25 %!500000!1.2 million!The latest policy of Chongqing Provident Fund has these changes!

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The amount of personal public gold loans increased to 500,000, and the minimum down payment for the second house of multi -children's family fell to 25%, and the maximum loan of the family was 1.2 million.

On September 2nd, the Chongqing Housing Provident Fund Management Center issued a notice on adjusting the relevant policy of personal housing loan (hereinafter referred to as the "Notice"), which occurred in the optimization standard, down payment ratio, and loan amount in optimizing the number of new housing sets. Variety.

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Housing outside the central urban area

Do not incorporate the scope of the number of inspection

The "Notice" further optimizes the standard for identification of the number of new housing sets, and clarifies the new housing purchase of the housing provident fund personal housing loans in the central urban area. Its housing outside the central city is not included in the scope of the number of housing sets.

Families to pay for employees in our city to use the new housing loans of housing provident fund personal housing loans, and only incorporate the record of personal housing loan in the housing provident fund into the scope of the inspection.

The number of personal housing loans for the use of housing provident funds for the use of housing provident funds for depositor employees does not exceed twice.

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Buy a second house

The minimum down payment ratio is reduced to 25%

The "Notice" clearly reduces the proportion of personal housing loans for the purchase of the second set of housing provident funds for the purchase of the second set of housing provident funds:

If the employee family purchase a second set of housing for a housing provident fund personal housing loan, the minimum down payment ratio is reduced from 40 % to 30 %.

Multi -daughter -in -law pays employees' families to purchase second houses to apply for housing provident fund personal housing loans, and the minimum down payment ratio is reduced to 25 %.

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Family highest loan amount

Raise to 1.2 million yuan

In terms of increasing the loan amount, the "Notice" clarified that the maximum loan amount of personal housing loan in the housing provident fund has increased from 400,000 yuan to 500,000 yuan; if the husband and wife participate in the loan, the maximum loan amount of the employee family has increased from 800,000 yuan to 1 million yuan Essence

If a daughter of a daughter pays the employee's family apply for a housing provident fund personal housing loan, the personal maximum loan amount is increased to 600,000 yuan; if the husband and wife participate in the loan, the maximum loan amount of the family has increased to 1.2 million yuan.

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Sichuan pays Chongqing to enjoy the same city treatment

In terms of expanding the scope of support for housing provident funds, the "Notice" pointed out that deepening the Sichuan -Chongqing housing provident fund "mutual recognition and mutual loan", Sichuan housing provident fund depositor employees apply for housing provident fund personal housing loans in our city to enjoy the same city treatment.

Support flexible employees to purchase houses, and qualified flexible employment payers to purchase second houses to purchase second houses, and can apply for personal housing loans for housing provident fund.

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Source: Chongqing Published

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