Tangshan's "One Man Buy the Family Gang" Cheng Chengcheng No. 14 City, Expert: Can be promoted nationwide

Jimu Journalist Liu Yerui

On July 5th, Tangshan Housing Provident Fund Management Center in Hebei Province launched a "one -person house gang" for the new policy for the purchase of a house and repayment. It will be implemented on July 15.

Jimu Journalists sorted out and found that Tangshan was the 14th city in the country to implement this policy. Earlier, 13 cities in Guangdong, Hunan, Sichuan, Hebei and other provinces launched the policy.

Yan Yuejin, the research director of the Think Tank Center of the E -House Research Institute, said that the policy of "one person to buy a house" is worthy of recognition and is worth promoting nationwide.

One person to buy a house for the whole family, the provident fund can loan 1.4 million yuan

On July 5th, the purchase of a house in Tangshan Housing Provident Fund Management Center in Tangshan City, Hebei Province launched the new policy of "one person to buy a house". The New Deal will be implemented on July 15.

Among them, single employee loans to buy a house, parents can use the provident fund to help repay the loan; the marriage employee's loan to buy a house, the parents of both parties can help repay the loan; the parents' loan house or the married child and the couple can help repay the loan; The repayment person allows participation in loan repayment capabilities to increase the loan amount.

Tangshan Provident Fund New Deal (Picture Source: Tangshan Provident Fund WeChat public account)

For the standard for provident fund loans, the New Deal specifies different loan amounts according to different qualifications, with a minimum loan of 800,000 yuan and a maximum of 1.2 million yuan.

At the same time, relevant policies also stipulate that if two -child and three -child families use housing provident fund loans to purchase houses, on the premise of meeting the requirements of loan repayment capabilities, the maximum loan amount of the two -child employees can increase the maximum maximum increase of 100,000 yuan. The maximum maximum increase of 200,000 yuan.

Manager Zhu, who is engaged in loan work in banks all year round, told Jimu Journalists that according to Tangshan's new policy, in the case of sufficient provident fund, if buyers meet multiple conditions, the maximum or even 1.4 million yuan can be loan. "If the provident fund loan plus the commercial loan model, you can loan more." Manager Zhu said.

Tangshan Housing Provident Fund Management Center explained the New Deal (Picture Source: Tangshan Provident Fund WeChat Public Account))

Jimu Journalists learned from a real estate agency in Tangshan that as of June this year, the average price of new commercial housing in Tangshan was about 8,500 yuan, and the total price of 120 square meters of new houses was about 1.02 million yuan. "At present, the provident fund policy is favorable. If you or your parents at home are paying the provident fund paid in Tangshan, you can buy it after the policy release." The intermediary said. This also means that if the loan applicant has sufficient provident fund and meet the above quota conditions, you can easily buy a house.

For the reasons for the introduction of this policy, Tangshan Housing Provident Fund Management Center stated that on the one hand, this move was to promote the healthy and stable development of the local real estate market. On the other hand, it is to increase the amount of housing provident fund loans and enhance the guarantee and mutual assistance. At the same time, this policy can also awaken "sleep funds" and turn the family's "dark supplement" into the "Mingbu" of the housing provident fund.

The reporter inquired that on September 28, 2020, the Office of the People's Government of Tangshan City issued the "Notice on Strengthening the Regulation of Real Estate Market", which stated that it was necessary to curb speculative speculation, strengthen real estate financial supervision, and strive to create the advantages of low house prices in cities.

At present, Tangshan's house prices have continued to fall. According to data from the middle finger research institute, in May 2022, the average price of new commercial housing in Tangshan was 8606 yuan/square meter, a decrease of 0.42%month -on -month; the average transaction price of second -hand houses was 11027 yuan/square meter, a decrease of 0.84%month -on -month, and a decrease of 6.65%year -on -year. Cumulative 15 months fell from the previous month. Data from the World Union also showed that in May 2022, the supply area of ​​commercial housing in the main urban area of ​​Tangshan was 93,100 square meters, an increase of 627%month -on -month, a year -on -year decrease of 63%; the transaction area was 49,400 square meters, an increase of 160%month -on -month, a year -on -year decrease of 61 %; The average transaction price was 14367 yuan/square meter, a decrease of 3%month -on -month, and a year -on -year decrease of 21%.

14 cities launched such policies, experts believe that it can be promoted nationwide

Jimu Journalists sorted out and found that Tangshan was the 14th city in the country that launched the "one -person house gang" policy.

Since June, Chaozhou and Zhuhai, Zhuhai, Hunan Shaoyang, Sichuan Ziyang, Hebei Qinhuangdao and other places have added a new provident fund loan to add a down payment withdrawal policy, that is, supporting myself and their direct relatives (spouses, parents, children) to withdraw the provident fund for the provident fund for the provident fund To pay the first payment or purchase payment, implement the "one -person house gang".

14 Places have launched relevant policies (picture source: Zhongxin Jingwei)

On June 1, the Zhuhai Housing Provident Fund Management Center took the lead in the implementation of the "one -person house gang", and 90%of the employee can withdraw the account balance to help their direct relatives (spouses, parents, children) purchase payment down payment, or it can also The monthly withdrawal of the provident fund is extracted by the loan repayment to help their direct relatives (spouses, parents, and children) repay their home loans.

On June 7, the Chaozhou Provident Fund Management Center also launched the down payment withdrawal policy. In June to December 2022, if you purchase first -hand commercial housing in this city, he and their direct relatives (spouses, parents, children) can use the commercial housing subscription agreement , Materials such as deposit payment vouchers, proof of direct relative relationships, commitment letters, etc., to the housing provident fund office window to withdraw housing provident fund to pay the first payment of the house purchase. At the same time, relaxation of house purchase extraction policies, from June to December 2022 to buy first -hand commercial housing in this city, their direct relatives (spouses, parents, children) can apply for withdrawal housing provident fund.

On the same day, the Shaoyang Housing Provident Fund Management Committee also proposed that supporting parents to withdraw the housing provident fund to buy a house for children, and the total withdrawal amount does not exceed the total amount of house purchases. Yan Yuejin, the research director of the Think Tank Center of the E -House Research Institute, said that the policy of "one person to buy a house" is worthy of recognition and is worth promoting nationwide.

"This policy mentioned the" loan repayment ability "calculation method, which is also an important manifestation of the current provident fund's phased support policy." Yan Yuejin said that the popular understanding of the loan repayment ability is the salary and other income of the buyer. Calculate how much funds can be loaned by buyers.

"In other words, this policy can be understood that when a employee family is buying a house, because the income is not too high, it may not be able to reach the maximum loan amount of 800,000 yuan, and it can only be loaned to 600,000 provident fund. At this time Parents can also be used as common repayments, so that similar income and wages can be added, so that the resident family can loan 800,000 yuan smoothly. "Yan Yuejin said.

Yan Yuejin also stated that the policy also mentioned "also applicable to commercial loans to the provident fund employee." For such employee families, if the provident fund loan is not available enough, it is not enough, then you can also participate in the "provident fund+commercial bank loan".

Yan Yuejin believes that the Tangshan policy is actually a new expression of increasing the loan amount. As the increase in the amount of such loans is based on the increase in the number of repayment people, the risk of subsequent repayment of provident fund loans is very small, or defaults to default The risk is small, which is also worthy of advocating.

"It is worth promoting nationwide." Yan Yuejin said.

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