Shandong Commercial Daily
yesterday morning, Ji'nan provident fund center issued a notice to the existing public deposit loan first suite identification standards have been adjusted, As long as the families who have paid off the home purchase loans, when buying two sets of commercial housing, they can enjoy the first suite of down payment ratio for provident fund loans. This edition is written by Chen Jing
last September 30th, the central bank and the CBRC issued a notice to make adjustments to the housing loan policy, requiring a family that had already owned 1 sets of housing and had already settled the loan of the house for the improvement of the living conditions to apply for a loan purchase and purchase of a common commodity house and the first suite. After the loan policy, the major commercial banks in Ji'nan have adjusted their policies in succession, but the accumulation fund has not been followed up at that time. The adjustment policy of this provident fund center also means that the proportion of the first payment of public and commercial loans is unified.
according to the new policy issued by the provident fund center, it has 1 sets of ordinary self housing housing and has cleared the corresponding home for home purchase loans (including commercial housing loans and housing provident fund loans). In order to improve the living conditions, the application for housing provident fund loans to buy self living ordinary commodity housing, the implementation of the first suite of housing provident fund loans. Money policy, that is, the purchase of building area of 90 square meters (including) below the proportion of 20% of the first payment of commercial housing, 90 square meters above the first payment ratio of 30%, the loan interest rate is carried out according to the benchmark interest rate.
for families with a set of housing but not settling the corresponding commercial housing loans, if the housing provident fund loan is applied to buy ordinary self housing, the proportion of the first payment of the housing provident fund loan is 60%, and the loan interest rate is 1.1 times that of the benchmark interest rate. For those who want to buy the source of third Suites through the provident fund loan, this is a disappointment. The new policy clearly stipulates that the policy of "prohibiting the payment of housing provident fund loans to the purchase of third suites" will continue.
adjustment
from October 2014, to stimulate the development of the real estate market, the housing construction department has made several adjustments to the provident fund policy, including the realization of mutual recognition of the common reserve fund, the increase of the first set of housing loan lines, 6 months of continuous deposit and 3 consecutive months of deposit. No rent invoices can be drawn from the provident fund to pay the rent.
in addition, in November 24, 2014, Ji'nan also reduced the benchmark interest rate of provident fund loans according to central bank policy, down 0.25 percentage points. After the adjustment, the interest rate of the following provident fund loans under the 5 year period was 3.75%, and the interest rate of the provident fund above the 5 year period was 4.25%.
experts read
improvement demand will release three bedroom or hot
World Federation of Shandong regional director general manager Zhu Jiang. The new policy will greatly stimulate the improvement of housing demand. "In the current market, there are many improvements in the current policy and some economic capacity." People who want to buy comfortable housing for the elderly or buy housing in the school districts, the new policy will solve their difficulties.
sound
down payment, purchase two suites more easily
according to the current provident fund policy of Ji'nan, for citizens who have common housing, such as the need to apply for provident fund loans, the proportion of down payment should not be less than 60%, which also makes a lot of people who want to improve housing conditions "look at the house". Mr. Zhao, a family of four people, lived in a house of 90 square meters. He had an early heart to buy a new house for his son, but he was shy. "Business loans are too expensive, the first payment is too high, the one-time payment can not afford, only wait."
there is absolutely no more than one Mr. Zhao with the same annoyance. According to official data, the average price of real estate in Ji'nan has been around 8500 yuan in the last two years, and the price of a good area is above 10000 yuan. According to the 8000 yuan per flat meter of the house, the total house money of 90 square meters of housing is 720 thousand yuan, and the proportion of the first payment of two sets of housing is 6 according to the original policy. 0%, that is, 432 thousand yuan. According to statistics, the average wage of Ji'nan in 2014 was only 3949 yuan. For most wage earners, the down payment pressure can be imagined.
this provident fund first suite is adjusted, according to the first suite down payment, the proportion dropped from 60% to 20%, still in the urban area of 90 square meters of housing calculation, the amount of down payment from 432 thousand yuan before the adjustment to 144 thousand, home buyers pressure will be greatly reduced. Even if 1 million yuan house, the down payment 200 thousand yuan, may use the accumulation fund loan to purchase. This provides housing opportunities for long-term loan buyers.
purchase of large type of capital pressure
home buyers appeal to increase the upper limit of the loan amount
through the interview before, the reporter found that the residents who want to buy second sets of housing, most want to improve the family housing environment, the ideal of the housing is in the 100 level, and the new policy, in the existing public deposit When the amount of gold loan is unchanged, this part of the property buyers and the purchase of 90 sets of less than two sets of housing sources compared to the people, the difficulty of buying houses is relatively large.
according to the new policy, the purchase of second sets of more than 90 square meters of housing, the proportion of down payment will be adjusted to 30%, indeed reduced the threshold of loan, but the difficulty of buying a house is still very big. The same price of 8000 yuan of housing calculation, want to buy 130 square meters of housing price of 1 million 40 thousand yuan, remove 30% total of 312 thousand yuan after the first payment, still need 728 thousand yuan, according to the current provident fund policy, two husband and wife of the highest provident fund loan amount of 500 thousand yuan, plus first pay, home buyers need to raise 540 thousand yuan to buy home. "In addition to the provident fund loans, whether it is borrowing or commercial loans, for office workers to repay the pressure is too big, so for the people who want to buy large apartments to improve the quality of housing, this policy is not very significant, or dare to see the loan. The provincial capital, one of the senior intermediaries, told reporters. In the
interview, buyers and real estate agents said they hoped that the government departments could appropriately raise the amount of the fund loans, on the one hand, to reduce the pressure of the citizens to buy a house, on the other hand, to stimulate the development of the property market.
provincial capital provident fund policy changes
to pay half a year in early November 2014 to loan
July 4, 2014, the Ministry of housing and other departments and other 3 departments to adjust the accumulation fund policy. In the early November, the corresponding provision for 6 months of the public provident fund for the citizens to be able to loan and reduce the corresponding fee of the fund loan Use.
- 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%.
- 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."
extension
Ji'nan will explore the "public interest discount loan"
last year's provincial housing provident fund working conference. The relevant person in charge of the housing construction department said that Ji'nan, Qingdao and other cities with higher housing prices and large demand for provident fund loans can be studied and implemented in accordance with national regulations. Explore the housing provident fund loans to commercial bank loans, the government subsidized interest.
it is understood that the so-called "interest rate discount loan" refers to the cooperation between the central provident fund center and commercial banks. When the supply of housing provident fund is tense to set early warning conditions, a commercial individual housing loan is issued by the bank in accordance with the amount approved by the provident fund center. . During the period of repayment of the loan, the interest difference between the interest rate of commercial housing loan and the interest rate of the housing provident fund loan is different. The central provident fund center gives the borrower a subsidy on a monthly basis, and then the commercial loan of the bank will be replaced by the fund center.