Adjustment of Changde Housing Provident Fund Loan Policy

On September 2nd, the Municipal Housing Provident Fund Center issued the "Notice of the Changde City Housing Provident Fund Management Center on Adjusting the Related Policies of Housing Provident Fund Loans". The policy adjustment is mainly to increase the loan quota and relax the calculation standard for the family loan capacity of the borrowing applicant.

Adjust the maximum amount of housing provident fund loans. Those who pay the employee to purchase a commercial housing for housing provident fund loans, the maximum loan limit is adjusted to 500,000 yuan, and both the husband and wife pay the housing provident fund, and the maximum loan limit is adjusted to 600,000 yuan.

Relax the calculation standard for the home loan ability of the borrowing applicant. When calculating the family loan repayment ability of the borrowing applicant, you can comprehensively consider the monthly deposit base of the housing provident fund, the bank's income flow, and other debt; Applicants and spouses can hedge the amount of housing provident quota to calculate the loan distribution amount.

The restrictions on the linked amount of the loan amount and the housing provident fund deposit balance. Cancellation of "15 times the borrower's application for loan shall not be higher than the applicant and the spouse's provident fund account deposit balance".

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