Suzhou, Anhui: You can extract the balance in the account first, and then apply for a housing provident fund loan

Zhongxin Jingwei, August 17th. The Suzhou Housing Management Center in Anhui Province issued the "Implementation Rules on Promoting the Implementation of the Implementation of the Steady and Healthy Development of the Real Estate Market" (hereinafter referred to as the "Implementation Rules"), "Implementation Rules"), "Implementation Rules") It is mentioned that the borrower can withdraw the balance of the provident fund in the account before applying for a housing provident fund loan. The "Implementation Rules" will be implemented from the date of release.

In terms of the adjustment of the provident fund loan policy, the "Implementation Rules" clearly states that the highest single loan amount is 300,000 yuan, and the highest loan amount of both husband and wife is 500,000 yuan; The period is 30 years; the first loan interest rate of the provident fund is implemented in accordance with relevant national regulations; the second provident fund loan interest rate is implemented at 1.1 times the loan interest rate of the provident fund; the borrower can withdraw the balance of the provident fund in the account before applying for the housing provident fund loan.

The "Implementation Rules" proposes three enhanced financial policy support measures. The first is to maintain the steady growth of real estate loans. Supervise financial institutions to increase support for affordable leasing housing, and support high -quality real estate companies to merge the acquisition of high -quality projects for large -scale housing companies.

The second is to effectively promote the healthy development of the real estate industry. Differential housing credit policies are implemented for commercial personal housing loans that are required to be purchased for the first time and buying improved housing. Encourage banking institutions to perform the minimum down payment ratio on the first suite within the policy scope, and the interest rate of the first home loan has maintained the minimum level of nearly five years.

The third is to do a good job of mortgage loans affected by the epidemic. Encourage banks to reduce the pressure on loan users by taking the loan user loan repayment by flexible and reasonable extension of repayment, extended loan periods, and phased adjustment repayment cycles. For those who cannot handle the procedures on the spot, if they are flexible, if they are overdue due to the epidemic cause, they will not reduce the classification of loan risks, not to be recorded in credit, and no punishment.

In addition, in terms of optimization of land transfer, the "Implementation Rules" proposes to take the auction method of "combining competitive land and the quality of competition" for transfer. Before signing the transfer contract, the land competes for the land. For those who are willing to pay the land transfer fee in installments, guide enterprises to submit applications for installments as required, load the number of installments, amounts, and periods of time, and the payment ratio within one month after the contract is signed is not less than the total transfer amount. 50%, the remaining models were paid within one year. (Zhongxin Jingwei APP)

Pay attention to the official WeChat public account of JWVIEW (JWVIEW) to get more elite financial information.

- END -