Ji'nan provident fund loans to deal with new home purchase down payment to 30%
October 8th news (reporter Zhang Lu) according to the state related policies on the regulation and control of the property market, Ji'nan has also promulgated the relevant provisions of the provident fund loans. Compared with the past, the most significant new policy is the purchase of provident fund loans. The rate of first payment was recovered from 20% to 30%.
according to the introduction, the document entitled "Ji'nan housing provident fund management center on Further Strengthening the notice of the management of housing provident fund loans" contains four items. There are two most direct relations with the citizens of the housing purchase: 1. The borrower applies for the housing provident fund loan for the purchase of the housing. The proportion of the first payment of the house is restored from 20% to 30%. Two, when the borrower has the balance of the commercial loan for the purchase of the housing provident fund for the ordinary housing, the balance of the original commercial loan and the housing provident fund loan amount of this application should be combined to calculate the loan solvency of the loan, which is about to be calculated in accordance with the provisions of the provisions. The maximum loan amount of gold can be reduced from other outstanding housing loan balances as the amount of this provident fund loan.
municipal provident fund management center related responsible person, the introduction of the above two provisions, mainly in accordance with the state's relevant policies on the regulation of the real estate market, but also based on the market risk precautions. Before 2008, the down payment ratio of Ji'nan provident fund loans was 30%.
this new policy also stipulates that workers who have not enjoyed the housing provident fund in other cities in the province and not enjoy the policy of the provident fund loan are not less than 50% of the first payment in the housing accumulation fund loan in Ji'nan.
according to the introduction, the policy has been issued to the entrusted banks and sub centers, and has been implemented since October 1st.