Chengdu's first house provident fund loan down payment ratio is not less than 20%

"Employees who pay the housing provident fund at the Chengdu Provident Fund Center normally, buy self -occupied housing at Deyang, Meishan, and Ziyang City. Chengdu Housing Provident Fund Management Center issued the "Implementation Rules for the Implementation of the Chengdu Housing Provident Fund Management Center Tongshu Provident Fund Loan (Trial)" (hereinafter referred to as the "Detailed Rules"). The "Details" mainly adjust in the three aspects of adjusting the scope of the number of housing sets, the development of re -trading housing loans, and adjusting the minimum down payment ratio.

In the scope of adjusting the number of housing sets, the scope of the "number of house recognition sets" is mainly adjusted to the housing where the employee is purchased at the place where the house purchase is located. The "Detailed Rules" pointed out that Tongshu's provident fund loan supports the family's home purchase of the first self -occupied house or the second set of self -living housing, which does not support the purchase of third and above housing.

How to determine the number of housing sets of provident fund loans? The "Detailed Rules" states that the identification of housing loans without housing and no clear housing loan is to purchase the first house and implement the first home provident fund loan policy. There is a house but no clear housing loan, no housing, but there is an unclear housing loan, a house, a unreasonable housing loan, and the same housing (must provide a loan contract and the right to house rights. One of the three situations of the above three situations is identified as the purchase of the second home and implemented the second suite provident fund loan policy. There are two or more housing, two or more unrelated housing loans, a set of housing, a unreasonable housing loan, and one of the three situations of the same house. For housing above, no loans are given.

However, it is worth noting that if there is a housing or a housing or collective land built on the demolished housing or collective land for the selection of monetary compensation, relevant information can be provided. After being identified by the Chengdu Provident Fund Center and the office, it may not be included in the calculation of the number of housing sets.

In terms of re -trading housing loan policies, the Loan Business Management Department of the Chengdu Housing Provident Fund Management Center conducted an official interpretation: "In order to meet the demand for housing loans of employees, employees can also apply for the same urbanized provident fund loan to purchase local re -trading housing. The value of the re -trading housing is determined by the minimum value of the housing value of the housing value of the housing of the housing construction department confirmed by the housing construction department, and the loan amount is calculated. "

The ratio of the down payment refers to the proportion of the value of the first payment in the purchase of the housing. The "Detailed Rules" clearly states that if the first set of housing provident fund loan policies shall not be less than 20%; if the second suite provident fund loan policy is implemented, the down payment ratio is not less than 30%.

Chengdu Daily Jinguan News reporter Yang Shengtao Editor He Qixie Editor Liu Yonghao

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