What is the down payment ratio of Changsha Provident Fund?Latest response →

"What is the down payment ratio of a provident fund loan for a second suit?"

Recently, many netizens posted questions to Changsha, 12329 Provident Fund Service Hotline and other platforms. The current Changsha Housing Provident Fund Management Center responded to hot issues as follows.

Hot issue response

Hot issue 1

What is the down payment ratio of the purchase of provident fund loans for a second suit?

Answer: Employee families purchase the second set of improved self -housing, and the down payment ratio shall not be adjusted to 40%of the total price of the house. Partial adjustment of the combination of loan housing provident fund loans, and if there are different regulations for the loan part of the commercial bank, it shall be implemented in accordance with the high prescribed regulations.

Hot issue 2

Can a single employee with a divorced child apply for a provident fund loan when purchasing a second house?

Answer: Divorced single employees who have obtained the right to custody rights apply for provident fund loans with reference to the implementation of employee family loan policies. When purchasing a two -suite, you can apply for provident fund loans. In principle, the identification of custody rights is subject to a divorce agreement and court judgment recorded by the civil affairs department.

Hot issue 3

It is in line with the "phased first -housing can be loan -loan" policy, and has handled the loan and house extraction of commercial banks. Can I apply for a business transfer in the future?

Answer: Yes. In line with the "phased first -housing can be loan -cocked" policy, and the commercial bank loan and house purchase withdrawal have been handled, they can apply for commercial loans to transfer provident fund loans (hereinafter referred to as "commercial transfer"). However, if you buy a two -suite during the period, the suite is no longer in line with the "phased first house can be available to loan" policy, and it is not possible to apply for the business. Finally, the policy implemented when applying for a loan shall prevail.

Hot issue 4

How does the housing provident fund withdrawal and loans determine the number of real estate sets?

Answer: When applying for the housing provident fund withdrawal, the number of housing sets of employees is based on the results of the valid housing registration information in this city and the land purchase land. Fixed, second -hand housing is subject to the registration time of property rights.

When applying for a housing provident fund loan, the number of housing sets of employees is determined that the number of housing in the administrative area of ​​Changsha City is limited to the ownership housing in the administrative area of ​​Changsha City, and the inquiry information in Changsha housing registration information shall prevail. The number of household housing sets of loan employees in different places is subject to the results of the housing registration information inquiries within the administrative area of ​​Changsha City and the housing provident fund deposits in the housing provident fund.

Hot issue 5

How do employees print personal public accumulation certificates and "Certificate of Disted Loan Cassens" and other materials on the Internet?

Answer: Employees can log in to the official website of the center of the center (https://www.csgjj.com.cn), click "My Certificate" to print the personal public accumulation certificate and "Certificate of Disted Loan Payment and Use".

If you need to print the deposit or repayment flow, you can select the time period in the "I deposit" and "My Loan" sector, click "Export", download the flowing water, and print it by itself.

Source 丨 Changsha Published

Material 丨 Changsha Housing Provident Fund and Star Online

Edit 丨 Wen Chunyan School Division 丨 Chen Meng

Review 丨 Du Jin

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