Important reminder!The city's policy of adjusting housing provident fund loans

All counties (cities, districts) people's governments, municipal departments, and relevant units:

The "Notice on Adjusting the Related Policies for Adjusting the Housing Provident Fund Loan Relevant Policy of the Housing Provident Fund Management Center" has been reviewed and approved by the Baoding Housing Provident Fund Management Committee.

1. Reduce the proportion of down payment for housing provident fund loans for housing provident fund loans

If you purchase the first house to apply for a housing provident fund loan, the down payment ratio of the house purchase is adjusted from not less than 30%to no less than 20%; if you purchase a second house for a housing provident fund loan, the proportion of the home purchase down payment is adjusted from not less than 60% It is not less than 30%.

2. The lowest and highest amount of differentiated housing provident fund loans

The following adjustments are made on the basis of the maximum loan amount stipulated in the original policy: the following adjustments:

1. Families with unilateral deposit provident fund, the minimum loan amount of the housing provident fund loan is 300,000 yuan; the minimum loan amount of the family who pays the provident fund is 400,000 yuan.

2. Families with unilateral deposit provident fund, applying for the maximum loan amount of housing provident fund loans of 600,000 yuan; families who pay the provident fund to apply for the housing provident fund loan to the maximum loan amount of 900,000 yuan.

3. Obtain the employees who have introduced the "Yan Zhao Ying Caica Card" for the purchase of the first home and the maximum loan amount of the provident fund loan of 1.3 million yuan in the depositor of the "Yan Zhao Ying Card". Coefficient limit.

4. The employee of the two children apply for a housing provident fund loan, and the maximum amount of provident fund loan pays for the provident fund for unilateral deposits is 800,000 yuan; the couple pays 1 million yuan for the provident fund.

3. Increase the account balance multiple and the deposit time coefficient to determine the deposit employee's loan quota

In the case of normal repayment capabilities, the loan amount of the borrowing applicant (including the common applicant) is determined by the account balance of 10 times to the payment time coefficient. The deposit time coefficient is as follows:

Pay time

Payment time coefficient

6 months

2.0

12 months

2.5

24 years

2.7

Payment time & 36 months or more

2.8

Note: If the husband and wife pay the provident fund, the account balance is calculated; if the deposit time is inconsistent, the borrower will pay the time coefficient of the deposit.

4. The borrower and spouse of the housing provident fund loan shall be given priority to repay the principal and interest of the housing provident fund loan in the housing provident fund paid in this area (directly handling the hedging business when loan acceptance).

5. Other related policies in the original loan management measures remain unchanged.

6. This notice is applicable to the city's area and implemented from August 1, 2022.

Baoding Housing Provident Fund Management Committee

July 4, 2022

Source ｜ Baoding Housing Provident Fund Management Center

Edit ｜ Lili

School pair ｜ Ai Chen

Review ｜ Longfei

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