Ji'nan provident fund loan in 8 months down the threshold of 6
Shandong Commercial Daily
yesterday, Ji'nan provident fund center issued a notice to the existing housing provident fund loans, extraction related policies have been adjusted, as long as residence. People do not have provident fund loans, whether the first suite of commercial loans whether to pay back, using the fund to buy second sets of housing, can enjoy the minimum down payment ratio of 30% of the policy, and in the past, as long as the first suite of commercial loans did not pay back, the provident fund to buy a second suite to pay more than 60%. The new policy has been implemented since May 25th this year. This also means that the new fund of the CPF has officially landed in Ji'nan. The writer of this group Chen Jing
buy the two suites below 90 flat below 20%
according to the existing provident fund loan policy, pay the household use housing provident fund loan to buy the first set of ordinary housing, or have 1 sets of housing and have settled the corresponding purchase loan, for the improvement of housing conditions and apply for the use of housing public. The proportion of the first payment for commercial housing under 90 square meters is 20%, and the ratio of down payment of 90 square meters is 30%.
the person in charge of the housing provident fund management center said that the current policy, although buyers can enjoy the lowest down payment ratio of 20%, but there is an area limit, which also makes some people ready to buy large apartments to buy small houses, the quality of housing is not high. To this end, according to the notice on issues related to personal housing provident fund loans issued by the people's Bank of China, the Ministry of housing and rural construction and the China Banking Regulatory Commission (CBRC) in March 30, 2015, the management department decided to adjust the policy. From May 25th, the first purchase of the first set of ordinary self housing was purchased by the housing provident fund loan. No matter the area size, you can enjoy the lowest down payment ratio of 20%.
but for the families of workers who have 1 homes and have cleared housing provident fund loans, the application of housing provident fund loans to purchase ordinary self living commodity housing for improving housing conditions also abolished the area limit, and the minimum down payment ratio was 30%.
first suite business loans did not pay back the second suite also enjoy 30%
the provident fund for the two suite "confess room not to recognize the loan", more attractive to the residents.
has purchased the first suite of employees in accordance with the current policy. If you want to enjoy the first suite policy of 20% or 30%, we must first pay off the corresponding purchase loans, including commercial housing loans and housing provident fund loans. Otherwise, we can only pay 60% first payment according to the policy of two suites, and the loan interest rate is the benchmark. 1.1 times the rate. Previously, there have been real estate insiders said that the policy to a certain extent to the property market development has been imprisoned, the suppression of those who have the strength to bear double loan, but can not pay off the first suite of commercial loans to the people's desire to buy a house. To this end, the Ji'nan provident fund management center has decided to abolish the family differentiation policy with a set of housing but not clear the corresponding commercial housing loans, and unify the 30% first payment ratio and the benchmark interest rate.
it is easier to rent the public rental housing rental housing rent for
in addition to the purchase of loans, the central provident fund management center also adjusted the extraction of provident fund policy, the withdrawal of the family income restrictions. "The original policy not only requires the extractors to live in the city without inhabited housing, but also when the rent exceeds 15% of the wage income, the housing provident fund can be extracted with related materials. This time we relaxed the conditions and no longer stipulate the income of the extractors hard." According to the adjusted policy, as long as the staff and workers have full payment of the housing accumulation fund for 3 months, and the spouse and the spouses have no own housing in the city and lease the public rental housing, the housing provident fund of both husband and wife can be extracted, but the total amount of the amount can not exceed the actual rent, only one time can be extracted every year. The two time interval can not be less than 12 months.
a figure to understand the three major changes in Ji'nan "public loan"
1. payments ratio, no longer affected by the size of the purchase of
to buy the first suite, or have 1 sets and have cleared the loan purchase of
90 square meters, the down payment ratio is 20%; 90 square meters above, the down payment ratio is 30% [May 25th]
purchase the first suite, no matter the size, the minimum down payment ratio of 20%
has 1 sets and has cleared the loan purchase, the minimum down payment ratio is 30%
2. 1 Suites unsettled loans, the execution of 30% payment
has purchased the first suite of the deposit workers, if you want to enjoy First payment ratio 20% or 30% of the first suite policy, must first pay off the corresponding purchase loans, including commercial housing loans and housing provident fund loans, otherwise only according to the two suite policy, the payment of 60% of the first payment, the loan interest rate is 1.1 times the benchmark rate [from May 25th] / > to have a set of housing but not clear the corresponding Commercial housing loan families, apply for housing provident fund loans to buy housing differential policy stipulates that the unified implementation of the 30% down payment ratio and benchmark interest rate.
3., it is easier to rent the public housing rent for public housing,
the extractor will not live in the rental housing in this city, and the rent must exceed the wage income of 15% [May 25th] / >
if the continuous full reserve fund is full 3 months, the housing provident fund payment room of both husband and wife can be extracted. Rent
in August,
in order to stimulate the recovery of the property market, to solve the problem of residents' loans, the central bank and the Ministry of housing and other provident fund departments have issued a policy to reduce the threshold for the extraction and loan of the provident fund. From October 2014, the Ji'nan MPF policy has been adjusted. Among them:
October 9, 2014: pay 6 months to apply for loan
in November 22nd, the interest rate of provident fund is down 0.25%
in January 2015, the three ministries and commissions can be extracted and paid by the three ministries and commissions in January 2015. There is no room in the future (where there is no own housing and rent in the city). As long as the continuous deposit of the accumulation fund is full for 3 months, there is no need for rent invoices and tax tickets. Gold pays the rent.
down payment 30%, buy millions of real estate still 200 thousand gap
industry: looking forward to increasing the amount of provident fund loan
although the recent adjustment of the provident fund policy is frequent, but according to the National Statistics Bureau data, even in April, among the 70 large and medium cities in the country even in the general release of good policy role. There are still 48 housing prices down, only 18 in the city. In this case, people in the industry generally believe that in the downturn in the economic situation and the real estate market in the downturn, the recent fund new policy is still smaller,
two couples in accordance with the provisions of the provident fund loan is the maximum amount of 500 thousand, And the average price of new commercial housing in Ji'nan has exceeded 8500 yuan. For dual employees, the purchase of 100 flat housing even if the down payment is 170000 yuan, the remaining 680000 yuan can not be fully used provident fund loans. Simply put, a house of one million, down payment 30%, provident fund loans for two couples, the maximum loan is 500 thousand yuan, and there is a 200 thousand yuan funding gap. Therefore, the industry said that if we want to promote the development of the property market, raising the amount of provident fund loans is imperative.