Our province relaxes the two suites "public loan" restriction
Shandong Commercial Daily
low pressure for the real estate market and low utilization of provident fund, this year Shandong will take control of real estate development general Measure, relax the provident fund loan conditions, increase housing security and other measures, the reporter learned from the Shandong provincial housing construction department that the current Shandong has relaxed two suites of provident fund loan restrictions, the conditions of the city fund loans can "recognize the loan does not recognize the house." Edition reporter Chen Jing
release of provident fund loans to buy a house voice has been very high
September 2014, the central bank, the CBRC issued a document, clear to the first suite and have cleared the corresponding home for the purchase of loans, for the improvement of residential conditions again apply for loans to purchase ordinary commodity housing, banking industry Financial institutions carry out the first suites loan policy. At the same time, the document also made clear that the lowest first payment ratio of the loan is 30% for the first set of households, and the lower limit of the loan interest rate is 0.7 times the base rate of the loan.
after the introduction of the new policy, the major commercial banks have introduced the rules of adjustment. However, the loan policy of the provident fund has not been adjusted accordingly. It is still "recognizes the house not to recognize the loan", which also makes many buyers, especially young buyers, disappoint. At that time, people in the industry said that, even if the commercial loans were liberalized, the interest rate was still relatively high, which would prohibit the buyers. Only the policy of accumulation fund should be adjusted to improve the housing conditions of the citizens and promote the recovery of the real estate market.
local conditions can be relaxed according to the conditions of the local conditions of
yesterday, the reporter learned from the housing department that Shandong province has issued relevant documents, relaxed the loan conditions for the provident fund, indicating that the district and city can study and formulate the first suites and improved self housing provident fund loan identification standards according to the local actual situation. "Generally speaking, it is provident fund loans can also be referred to the central bank, the Ministry of housing and construction department related documents, the first suite of interest, when the purchase of second suites, the proportion of the first payment and interest rate appropriately down. Whether the cities are adjusted or not depends on local housing prices, capital and housing market demand. The person in charge of the housing fund office of the housing construction department told the reporter.
Dongying, Dezhou and Dongying have made earlier adjustment
some cities have already made earlier adjustments according to the new documents, such as Dezhou, to use provident fund loans to buy second sets of improved ordinary self housing, the proportion of first payment is adjusted from 50% to 30%; Dongying will also pay the first payment of the second suites. The proportion of money was adjusted from 60% to 40%. "It is sure that the housing market demand is small, the use rate of provident fund balances is low in the cities, such as Ji'nan, Qingdao, the market is hot, the supply of provident funds in cities, short time, the possibility of the implementation of little."
in reference to the question of raising the amount of the provident fund loan, the relevant person in charge of the housing construction department said that the specific amount needs of the municipal provident fund departments according to the actual conditions. "The situation is different in different places, we can not formulate a unified policy. At present, the Qingdao quota is the highest, the next is Ji'nan and other cities, and the future is also based." This is the order. "
accumulation fund policy changes
October 2012 individual maximum loan 250 thousand
Ji'nan adjustment Provident Fund personal loan policy, from October 8th, the maximum loan amount of the urban individual application housing provident fund loan is 250 thousand yuan, and the loan upper limit after adjustment has been reduced by 250 thousand yuan. In addition, the down payment ratio of the first suite of 90 square metres of provident fund loans fell from 30% to 20%.
- in March 2014, the fund loan of the provident fund is changed to the loan, the government discount
the Shandong housing provident fund working conference, the city of Ji'nan and Qingdao, which have higher housing price and large demand for the fund loan, can study the link between the deposit and loan, and explore the housing fund loan to the bank commercial loan according to the state regulations, by the government Interest is subsidized.
- in the first half of November 2014 to pay
July 4, 2014, July 4, 2014, the Ministry of housing and other 3 departments to adjust the provident fund policy, the corresponding provisions of Ji'nan in early November, the corresponding public provident fund for 6 months to be able to loan, reduce the corresponding expenses of the provident fund loan.
- in November 22, 2014, the interest rate of
has been reduced by 0.25 percentage points since Ji'nan has begun to implement the benchmark interest rate after the interest rate reduction. 5 years below the provident fund loan interest rate is 3.75%, 5 years or more provident fund loan interest rate is 4.25%.
> in January 2015, migrant workers were included in the provident fund coverage
Shandong issued a document stipulates that the work of stabilizing migrant workers into the housing provident fund coverage. If a peasant worker signs a labor contract with a employing unit and works steadily, the employer shall deposit the housing accumulation fund for the peasant worker. The minimum deposit base can be calculated on the basis of the minimum monthly wage of the workers in the first year of the work place, and the deposit ratio shall not be less than 5%.
February 3, 2015 this year will increase the loan amount
reporter from the work conference on housing and urban construction in the province. This year, our province will relax the loan conditions of the provident fund and raise the loan amount, promote the foreign loans, and encourage the discount interest rates for the low-income families.
- February 6, 2015 release "loan confess no room"
reporter from the Shandong provincial housing construction hall to understand that the current Shandong has liberalized two suites of provident fund loan restrictions, the conditions of the city provident fund loans can "recognize the loan does not recognize the house."