Shijiazhuang released the housing provident fund phased support policy

Parents can participate in the repayment as a common repayment person. The reporter learned from the Shijiazhuang Housing Provident Fund Management Center that the "Notice of the Shijiazhuang Housing Provident Fund Management Committee on further expanding the phased support policy of housing provident fund" (hereinafter referred to as the "Notice") has been issued.

The "Notice" clearly states that in accordance with the positioning of "ensuring the security of funds, guaranteeing the home of the house, and supporting the healthy development of the real estate market", in order to play a greater extent, the role of the housing provident fund system is used to expand the scope of withdrawal of the loan withdrawal of the housing provident fund, and the housing provident fund continues to increase the housing provident fund The rental quota of rental, reducing the proportion of housing provident fund loans, etc. to further expand the phased support policy of Shijiazhuang housing provident fund.

Expand the scope of withdrawal of housing provident fund loans

The "Notice" states that starting from October 1, 2022, the use of housing provident fund loans to purchase borrowers who live in the administrative area of ​​our city, their parents can apply for the repayment as a common repayment person; In this case, the spouse parents can also apply for the repayment as a common repayment person. The common repayment person is up to 2 people. The common repayment person can apply for the balance of the housing provident fund account. The sum of the withdrawal amount of the borrower himself, the spouse, and the common repayment person shall not exceed the current total loan principal and interest.

Continue to increase the amount of housing provident fund rental withdrawal

If it meets the conditions of renting a housing housing provident fund for renting a commercial housing, employees and their spouses may apply for the balance of housing provident fund accounts. Each person can be withdrawn once a year, and the withdrawal amount does not exceed 12,000 yuan. Starting from October 1, 2022, when the renting of the rental housing, the rental contract for the registration of the housing rental supervision service platform for Shijiazhuang City will be provided by the housing lease contract. During the validity period of the housing lease contract, the amount per person per year does not exceed 15,000 yuan. The implementation time limit is tentative to December 31, 2022.

Reduce housing provident fund loan down payment ratio

According to the "Notice", the employees pay the minimum down payment ratio in Qiaoxi District, Chang'an District, Xinhua District, Yuhua District, and High -tech Zone. 30%of house prices. In other areas of Shijiazhuang, the minimum down payment ratio shall not be less than 20%of the total house price. The implementation time limit is tentative to December 31, 2022.

This means that the minimum down payment for the provident fund loan of two houses to buy two houses is directly reduced from 60%of the total housing model to 30%of the total housing. The policy is good. The difference is that the interest rate of the first house is implemented at 3.25%, and the interest rate of buying a second house is implemented at 3.575%.

In addition, the "Notice" also made it clear that these housing provident fund phased support policies, the Shijiazhuang Housing Provident Fund Management Center and the Provincial Housing Fund Center recognized each other and the same city.

Source: Shijiazhuang Daily

Reporter: Chen Xia

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