Families without housing employees pay attention to Hangzhou housing provident fund loan quota increased

Zhejiang News Client reporter Ye Yilin Editor Wang Jia

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On June 10, the Hangzhou Housing Provident Fund Management Committee issued the "Notice on Increasing Housing Provident Fund Loan Loans for Housing Housing Housing Fund" -

In order to further give full play to the role of the housing provident fund credit, increase the support for solving basic housing problems for households without housing employees, and improve the differentiated credit policy of housing provident fund, according to the "Zhejiang Housing and Urban -Rural Development Department, Zhejiang Provincial Department of Finance, and the People's Bank of China Hangzhou Notice of the Central Sub -branch on the implementation of the housing provident fund phased support policy "(Zhejiang Jianjian Fa [2022] No. 61), with the consent of the Hangzhou Municipal Government, now improving the notice of the relevant matters of the housing housing loan amount of Hangzhou housing employees as follows:

I. There is no house in the family name of the employee and no housing loan record. If you apply for a housing provident fund loan when you first purchase an ordinary self -occupied housing, the maximum loan limit standards will rise by 20%. Among them, the maximum amount of single -person deposit housing provident fund in Hangzhou urban area increased from 500,000 yuan to 600,000 yuan, and the maximum amount of the housing provident fund paid for the housing provident fund increased from 1 million yuan to 1.2 million yuan. Jiande City was adjusted according to the local highest loan limit standard.

2. This notice will be implemented from the date of issuance. Other loan quota preferential policies and the upstream policy of the loan quota are not superimposed. The specific rules are formulated by the Hangzhou Housing Provident Fund Management Center.

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Related questions and answers

1. What are the conditions need to be met with the improvement of the loan quota for employees without housing?

Answer: There is no housing in the family name of the employee and no housing loan records. The first purchase of ordinary self -living housing is purchased, which meets the conditions for the application for housing provident fund loans. Among them, there is no housing in the family name and the identification criteria for the first purchase of the family names without housing holding records in the family name, and no housing transfer records. No housing loan record refers to the record of personal housing loans and commercial personal housing loans without provident fund, which is based on the results of the housing provident fund supervision service platform of the Ministry of Housing and Urban -Rural Development. Essence

2. How to determine the maximum loan limit standard of the family?

Answer: The specific quota of the maximum loan limit of the family is: those who pay the housing provident fund for single employees, Hangzhou City, Tonglu County, and Jiande City are 600,000 yuan, Chun'an County is 480,000 yuan; For housing provident funds, Hangzhou City is 1.2 million yuan, Tonglu County is 960,000 yuan, and Chun'an County and Jiande City are 840,000 yuan. The personal loan quota of the specific employee is calculated and determined that the monthly average monthly balance of the housing provident fund account when applying for a loan for the employee is calculated, and it does not exceed the above quota standard. The preferential policies for the amount of housing provident fund loans such as this loan quota and high -level talents will not be used.

3. Policy implementation time of housing housing housing without housing housing housing?

Answer: From June 10, 2022, it is implemented. Among them, the new commercial housing is subject to the signing time of the commercial housing signing contract. If the contract signed by the contract before June 10, 2022 shall be implemented in accordance with the original loan amount policy.

(Comprehensive from Hangzhou Provident Fund, a WeChat signal)

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