Ji'nan three suites loan only provident fund can be applied
source: Ji'nan daily
real estate regulation before the National Day National Day policy, of which the first payment of first housing for loans to buy the first payment ratio to 30% and above, and suspend three sets of mortgage. Today, the reporter visited the major commercial banks in Ji'nan to understand that all the banks in Ji'nan have implemented the new standard of the new mortgage policy, and the three suites can be applied only by the provident fund.
an interview yesterday that the introduction of the new regulatory policy has dispelled the idea of a large number of investment buyers, and the changes in house prices after regulation have made many investment buyers worried. In eastern Ji'nan, a new building sales staff told reporters that the first payment of the bank's mortgage has begun to adjust, for the first set of first payment to 30%, three sets or more housing can not be loans. Some real estate developers said in a reporter's interview that the rise in down payment will inevitably have a small impact, but the new regulation policy after the introduction of the property market is still unknowns, so they will continue to continue the original sales policy. "Non local residents who are unable to provide proof of local tax certificate or social insurance payment for more than one year shall suspend the purchase of housing loans." The new second wave of real estate regulation and control policy will again regulate the purchase of different places.
yesterday, the reporter visited Ji'nan's major commercial banks to understand that at present, many banks in Ji'nan have clearly defined the "local residents" of housing loans. "Residents with Ji'nan accounts, including counties and districts, are eligible for local residents' loans." The Department of housing finance of the Ji'nan Business Department of the industrial and Commercial Bank of China told reporters that other residents in the province belonged to "non local residents". "If there is no resident in Ji'nan, we must provide more than one year's certificate of local tax payment or social insurance payment certificate to get the normal loan." The head of the loan department of CITIC Bank Ji'nan branch also made it clear that "this is the policy of" one size fits all "in the whole country, and it can not be careless at all.
it is understood that, at present, the branches of most banks in Ji'nan have completely stopped three sets of ordinary commercial loans, but are still in the normal acceptance of the three sets of mortgage applications including provident fund loans. "Three suites provident fund loans have not been completely halted." Ji'nan housing provident fund management center told reporters that the provident fund loan is different from the general commercial loan, so it is always the independent implementation of the housing loan policy in Ji'nan. According to the current regulations, workers who have not yet applied for housing provident fund loans can continue to apply for provident fund loans and are not subject to the number of loans. But the people concerned, if buy third suites of the provident fund lender, I and the spouse still have a commercial loan balance, then in the fund loan amount will be deducted from the balance of commercial loans, this is mainly to restrict investment, speculative purchase loans.