The amount of housing provident fund loan in many places in the country

In August, the maximum loan amount of housing provident funds was adjusted in many places, supporting rigid and improving housing demand, and continuous increase in methods and intensity.

On August 3, Liu'an, Anhui, issued the "Notice of Six'an City's Coperly Real Estate's Promotions to Promoting the Steady and Healthy Development Policies of Promoting the Steady and Healthy Development of the Real Estate Market", which will increase the amount of housing provident fund loan. Among them, the maximum of 600,000 yuan for the two employees is 600,000 yuan, and the maximum of 400,000 yuan in the family who pays a single employee is 400,000 yuan.

On August 1, Hangzhou, Zhejiang issued the "Notice on Implementing the Promoting Policy of the Three -Child Family Housing Provident Fund". Three -child family purchased the first set of ordinary self -occupied housing and applied for a housing provident fund loan for the first time, and the loan amount could be floated according to the maximum loan limit of the family current period. 20%OK.

The amount of loan loans in Yichang Housing Housing in Hubei raised a maximum loan of 600,000 yuan. It will be implemented on August 1. On the same day, the amount of provident fund loan was also raised, and Hengshui, Hebei, had increased from 600,000 yuan to 700,000 yuan.

Since the beginning of this year, Beijing, Shanghai, Ningbo, Hefei and other places have successively raised the amount of housing provident fund loans. According to incomplete statistics, as of now, Out 90 cities have gradually relaxed the housing provident fund loan policy.

The maximum loan limit for housing provident fund not only helps improve the payment capacity of just required housing groups and reduce loan costs. Compared with commercial loans, the interest rate of housing provident fund loans is lower. To a certain extent Reduce the cost pressure of developers and operators, effectively boost market confidence, and promote the healthy and sustainable development of the real estate industry.

From the current point of view, the housing provident fund policy has become an important direction for optimizing and adjusting real estate policies from all over my country since the beginning of this year, and it has various forms. It is not only reflected in increasing the amount of housing provident fund loans, but also to reduce the proportion of housing provident fund loans, expand the scope of housing provident fund use, and strengthen the guarantee of housing provident fund to related talents and many children's families. For example, Lanzhou stipulates that housing property owners can withdraw the provident fund of themselves and their spouses to pay for the cost of installing the elevator; Nanning has reduced the original down payment ratio to 30%; , Add 1 set of room purchase indicators. In addition, the city has relaxed the construction period of the house purchased by the housing provident fund loan. For example, according to the new regulations implemented by Luzhou in Sichuan on May 1, if you apply for a re -transaction house (second -hand house) provident fund loan, the annual period of the house purchased by the employee family does not exceed 20 years. For 40 years, the loan period does not exceed the time of land use rights for the remaining house purchased.

The purpose of the establishment of the housing provident fund system is to solve the housing needs of ordinary people. New changes in the housing provident fund policy will help better meet the reasonable housing needs of buyers. Next, to ensure rigid housing demand and meet reasonable improvement of housing needs. On the basis of fulfilling the responsibility of the land and adhering to the positioning of the "housing housing", the local economic development is actual, the demand for house purchase, and the potential for population inflows in residents' house purchase, and population inflow potential Factors, due to urban policies and improving the accuracy and effectiveness of real estate credit policies. Through continuing stable price, housing prices, and stable expectations, the virtuous cycle and healthy development of the real estate industry are promoted.

Jiaozuo Daily All -Media Reporter Wang Ming reported

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