Heavy!Can pay the down payment of Qingdao Provident Fund again and again

In order to further play the role of housing provident fund support and support rigid and improved housing needs, the Municipal Housing Provident Fund Management Center launched employees withdrawn housing provident fund to pay for the purchase of housing down payment business, and promote the virtuous cycle and healthy development of Island real estate industry.

From September 1, 2022, buying new commercial houses in the administrative area of ​​Island City can apply for withdrawal of housing provident funds under the name of the buyer and their spouse to pay the first payment of the house.

At the same time, the scope of the above -mentioned policy extraction is relaxed at the same time. From September 1st, 2022 to August 31, 2023, the first self -residential house (including employees, spouses, and minor children) of the family (including employees himself, spouse, and minor children) The scope of the extraction person is relaxed to the buyer and their direct relatives (including spouses, parents and children).

In order to ensure the rights and interests of employees' loan, the Municipal Housing Provident Fund Management Center will adopt the business model of loans and withdrawals, and shall handle loan acceptance and down payment withdrawal business together to ensure that employees who are interested in applying for housing provident fund loans to ensure that the withdrawal amount does not affect the loan amount. Essence Real estate development enterprises bring commitments and real estate fund supervision agreements to each district (city) service hall of the Municipal Housing Provident Fund Management Center to apply for real estate filing.

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Improve loan quotas and relax loans ... The provident fund policy is continuously optimized

In order to give full play to the advantages of the housing provident fund system, support employees' rigidity and improvement of housing demand, accelerate the establishment of a housing system with multi -main supply, multi -channel guarantee, and rental purchase, and promote the steady and healthy development of the real estate market. Since this year, the provident fund policy has been optimized.

First, adjust the provisions of the provisions of the provisions of the provident fund loan loan application, the second -hand housing provident fund loan age, and cancel the provisions of the second -hand housing age and the proportion of the down payment. Further relax the deposit standards of employees to the deposit standards to the employee to establish a housing provident fund account for half a year (that is, 183 days), and the loan shall be continuously paying for the housing provident fund for more than 6 months (inclusive); the loan of the second -hand housing provident fund loan will The sum of the period and the age of the room is relaxed to the longest not more than 50 years. The loan period is up to 30 years, and it must not exceed the borrower 5 years after the age of 5 (male 65 years old, female 60 years old), and the loan period shall not be higher than the remaining land of the house purchased. The step payment ratio is increased. After the policy is adjusted, if the first house is purchased, the down payment ratio is not less than 30%. If the purchase of two houses is purchased, the down payment ratio is not less than 40%.

At the same time, the maximum amount of Qingdao housing provident fund loans has been adjusted to 800,000. If the first home -living house is purchased in the administrative area of ​​Qingdao, the borrowing applicant and the spouse are met in the loan application conditions, and the maximum amount of provident fund loan is adjusted to 800,000 yuan; the borrowing applicant only meets the loan application conditions, the provident fund loan The maximum quota was adjusted to 500,000 yuan.

In addition, the "Commercial Loan Transfer Provident Fund Loan" business is expected to be launched during the year.

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