Look at it!Changsha releases housing provident fund loans to withdraw new policy!

Vigorously support rigidity and improvement housing demand Changsha releases housing provident fund loans to withdraw the new policy of the new policy.

content include

Optimize the loan policy and process 8 to extract policies 1 focusing on supporting the first house purchase demand to meet the reasonable improvement of housing demand to meet the depositors' rental demand. New Deal will be implemented from August 1, 2022

Changsha release authority release

In order to actively respond to the voices of the contributor, give full play to the guarantee of the housing provident fund system, help the depositor to solve the basic and improved housing needs, help alleviate the pressure of buying and renting houses in the epidemic environment, and implement the differentiation of provincial and municipalities to implement differentiated implementation of urban policies. Housing credit policy, while improving the convenience of business management. On July 22, the Changsha Housing Provident Fund Management Committee issued the "Notice on Optimating Housing Provident Fund Business Policy and Process" (Chang Financial Management Committee [2022] No. 3), which includes optimizing loans 8 policies and processes, extract 1 policy, focus on supporting the first house purchase demand, meet the reasonable improvement of housing needs, and meet the demand for the withdrawal of the depositors. The New Deal will be implemented from August 1, 2022.

1. Improve the maximum loan amount of housing provident fund

The "Notice" clearly increases the maximum loan amount of housing provident fund loans from 600,000 yuan to 700,000 yuan, and the maximum loan amount of household housing provident fund loans for three children has increased to 800,000 yuan.

2. Focus on supporting the demand for the first house to buy the depositor

Implementing the "Tip loan" policy in the first set of houses. In order to help the purchase pressure under the impact of the people's epidemic, the "Notice" clearly states that the employee family can apply for a provident fund loan or apply for a house purchase and withdrawal from the date of implementation of the policy to December 31, 2022. The total amount of house extraction shall not exceed the first payment of the house. If the loan is successfully applied for the purchase of the house, the housing provident fund account of both husband and wife shall leave a 12 -month loan repayment amount of the housing provident fund loan.

3. Meet the reasonable improvement of housing needs

Reduce the down payment ratio of the second house. In order to support employees to improve the living environment, if employees' families purchase two suits to apply for housing provident fund loans, the minimum down payment ratio is adjusted from 60%to 40%.

Cancel the restriction requirements of the first house area. Those who purchase a two -suite to apply for a housing provident fund loan will cancel the "first self -housing area must not exceed 144 square meters", that is, no restrictions on the area of ​​the first house.

At the same time, if there is a housing provident fund loan after settlement, the housing provident fund loan will be applied again, and the "need to be cleared for 6 months" will be canceled, that is, the existing housing provident fund loan can be re -loan immediately after the settlement is settled.

4. Increase the amount of rent extraction

In order to help the depositor to reduce the pressure of rent, the employee withdraws the housing provident fund to pay the rent, and the withdrawal is withdrawn once a year. "One year's actual remittance amount" improves the support for employees' rent extraction.

5. Further improve business convenience

The number of housing sets of employees is easier. The number of housing sets of employees is determined to be limited to its own property rights within the administrative area of ​​Changsha City, and the inquiry information in Changsha's housing registration information shall prevail. The loan record displayed in personal credit reporting no longer requires the borrower to provide relevant information proof.

Note: The number of household housing sets of loan employees in different places is based on the results of the housing registration information inquiries within the administrative area of ​​Changsha City and the housing provident fund deposits of the main borrower. search result.

The original "Non -Moving Property Certificate" is no longer collected. The housing provident fund loan no longer collects the original "Real Estate Property Certificate" of the mortgage property.

Fully use the housing provident fund electronic seal. The implementation of the housing provident fund loan electronic contract has the same legal effect as the paper contract. The borrower can download and print the contract at any time as needed to log in to the center of the online service hall (personal version) at any time.

Edit 丨 Nights Cup, Leis School Division 丨 Chen Meng

Review 丨 Du Jin

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