Is the use of the provident fund limited? Be careful before buying a house
Author: Cui Rongjie
beginning of new year, the state and the city of Ji'nan issued a new deal on provident fund loans began to implement, especially many people in the house of people are calculating how to make full use of their own two provident fund loan opportunities. Reporters from some real estate and real estate agencies have learned that many of the buyers who were originally prepared to use provident fund loans took into account their own circumstances and chose to use commercial loans first, and the number of limited provident fund loans was "left for later use".
a lot of people to the provident fund loan "leave to use"
the citizens of the public in North Garden Street near the purchase of a set of about 700000 second-hand housing for parents, originally intended to loan provident fund 350 thousand purchase. But after a careful understanding of the current provident fund loan policy, Ms ho has changed her mind and decided to add more points and then loan 20 million commercial loans to buy the house.
Ms. Ho said, at present, his house is bought with the husband's provident fund loan, equal to the use of a provident fund loan. Although I paid 50% of the first payment without a problem, "but after I have used this, I can't use the MPF loan in accordance with the current policy. So I feel that I work hard and make a little bit more." First pay, and then strive to lend only 20 million loans. " Ms. Ho said, this is to do this is to leave the only remaining reserve fund loans to later reuse, after all, the interest rate of the provident fund loan is much lower, to see the current situation of rising house prices, and to change the house in the future may also depend on the fund loan.
Ms. Wang, a salesman in a western building, told reporters that the customers in her hand, who bought the first suite, also changed the original use of the provident fund loans to commercial loans, "the main is the small house, the total price and the loan amount relatively small customers."
frequency limit is to prevent the new policy of
the borrower's family in the second use of housing provident fund personal housing loans to buy ordinary housing, the proportion of the first payment of the house purchase should not be less than 50%, the loan interest rate is carried out by 1.1 times the housing loan interest rate. . Stop using housing provident fund personal housing loan to buy third or more housing. According to the introduction, the original policy did not limit the number of loans. As long as the last housing accumulation fund loan was repaid, it could continue to apply for the use of provident fund loans.
sunshine 100 Promotion Department Manager Tao Xiaozhi thinks, first is the accumulation fund loan has the frequency limit, and the two suite down payment increased to 50%, prevents someone to use the provident fund loan low down payment and the low interest rate short term purchase to buy the real estate. At the same time, Ji'nan's housing loan provident fund loans and commercial loans "linked", the number of unpaid commercial mortgage in hand, to reduce the corresponding amount of provident fund loans, which have effectively prevented people from the accumulation of provident fund loans and commercial loans to the behavior of the house.
but if it is to live in the house, or to improve the living conditions, you can choose the order of business loans and provident fund loans according to their own circumstances.