Ji'nan housing provident fund new policy is making detailed rules
4 day, the Ministry of housing and other four ministries and commissions announced the new policy of provident fund, but when the implementation, how to implement it is not clear, the need to formulate rules according to the situation. Yesterday, reporters learned from the Ji'nan housing provident fund management center, is currently working on the implementation details, as soon as possible to the public.
since October 1st, the "Ji'nan version of the new Provident Fund Scheme" has been implemented, compared with the new national provident fund policy.
from the first suite Shoufu, the Ji'nan version stipulates that the first suite will be paid 30% of the down payment. The national version stipulates that the first suite will pay 20% below the 90 square meters, and the down payment of more than 90 square meters will be 30%. In contrast, the Ji'nan edition is more stringent.
Ji'nan edition also has more stringent aspects, that is, the amount of the fund loan should be referred to the commercial loan amount. If the applicant has a commercial loan balance, the maximum amount of the commercial loan balance plus the fund loan amount can only be 500 thousand.
from the two suite down payment and interest rate, the Ji'nan version has put forward the two suite concept and raised the down payment to 50%, but the national edition increased the interest rate requirements and the two suite rate was floating 10%.
from the two suite to see, the current implementation of Ji'nan is to recognize the house and recognize the loan, to recognize the housing, that is, the real estate center has a real estate certificate, no "return loan is a set of" statement. The concept of the national two suite is more stringent, that is to say, it is limited to improved housing. The existing per capita housing area is less than the local average.
from the three suite loan look, the national version first proposed three suites in the provident fund loan, before the Ji'nan version did not have this concept.
the Ji'nan housing provident fund management center told reporters that the new policy notice has been received by the public fund, but the notice requires all localities to formulate implementation rules according to the actual situation, and the research is being discussed and published as soon as possible. Before the introduction of the new deal rules, the application is still accepted according to the previous policy.