Wenzhou and Nanchang join!More than 10 urban provident fund loans have dropped to 20 %

Zhongxin Jingwei, June 8th (Dong Wenbo) Residents from Wenzhou, Nanchang, Jiangxi, and Nanchong, Zhejiang, have noticed that the housing provident fund loan policy has changed!

Wenzhou, Nanchang: Reduce the down payment ratio

On June 7, the Wenzhou Housing Provident Fund Management Center released the \"Housing Provident Fund Stage Support Policy\" (hereinafter referred to as \"Policy Policy\" \"), Of which clearly paid the first self -occupied housing purchase, construction, renovation, and overhaul of employees' families.

Source: Wenzhou Housing Provident Fund Management Center \"Policy\" proposed that

supports housing consumption.

(1) Improve the lease extraction quota. If the depositor's housing provident fund has not been leased without housing leasing, if you apply for withdrawal of housing provident fund before December 31, 2022, the maximum monthly withdrawal amount will be increased from not more than 1200 yuan to no more than 1,400 yuan.

(2) Increase the first loan amount.

If the employee purchases the first house of the family to apply for a personal housing provident fund loan during the policy execution period, the maximum loan amount is increased by 150,000 yuan for single -person deposits, and the double -paying deposits increase by 300,000 yuan

. (Policies and Politics Time: March 1, 2022 to September 30, 2022) (3) Adjust the loan calculation rules. Increase the support of the personal housing provident fund loan quota for the depositor's personal housing provident fund, and the time limit multiple of the loan quota calculation method is used as a base of 4 times, up to 10 times, and increases to 5 times as the base, and the maximum multiple increases to 11 times. (Policy execution time: May 23, 2022 to September 30, 2022)

(4) Reduce the proportion of loan down payment.

For the first self -occupied housing for the purchase, construction, reproduction, and overhaul of the employee's family, and applying for a personal housing provident fund loan, the minimum loan ratio is reduced to 20%

. Families in the depositor employee already have a self -occupied house. In order to improve the purchase, construction, reproduction, and repairer family of the households in the second set of self -occupied housing, the minimum loan's down payment ratio will be reduced to 40%. (Policy execution time: May 30, 2022 to September 30, 2022) On June 7,

Nanchang Housing Provident Fund Management Center

official WeChat released \"About Adjusting me to adjust me Notice of the Urban Housing Provident Fund Loan Payment \". The document shows that since June 7, 2022 (inclusive),

Pay employee family housing provident fund loans to purchase the first ordinary housing (including commercial housing loans transfer to housing provident fund loans), the lowest minimum, the lowest The down payment ratio is adjusted from 30%to 20%

; Buy two general housing (including commercial housing loans to transfer housing provident fund loans), the minimum down payment ratio is adjusted from 40%to 30%, and interest rates are unchanged by 10%.

Source: \"Nanchang Provident Fund\" WeChat

Nanchong: Provident Fund Payment Payment

On June 7, the Nanchong Municipal Housing Provident Fund Management Center issued the \"Announcement on Implementing the Purchase Policies of Housing Provident Fund\" (hereinafter referred to as the \"Announcement\"), which clearly supports the withdrawal of the housing provident fund payment payment. The implementation time limit is tentative to December 31, 2022.

According to the \"Announcement\", one is an enterprise affected by the new crown pneumonia. Applying for the housing provident fund can be applied for a repayment after expiration. During this period, the employees withdrawn and apply for housing provident fund loans normally and apply for housing provident fund loans are not affected. The second is the depositor who is affected by the new crown pneumonia's epidemic. It cannot be repaid for the housing provident fund loan normally.

Third,

The households withdrawn the housing provident fund payment for households who support housing -free employees

, the family's annual withdrawal amount does not exceed 15,000 yuan.

Fourth, increase the maximum loan amount of housing provident fund. The maximum loan amount of the unilateral deposit of housing provident funds for employees has increased from 420,000 yuan to 500,000 yuan, and the maximum loan amount of the bilateral deposits of employees' families has increased from 480,000 yuan to 600,000 yuan.

Five is to support the withdrawal of housing provident funds to pay first payment . The employee and spouse can withdraw the housing provident fund before the loan to pay the first payment of the housing provident fund.

In addition, Sichuan Ziyang issued a notice on June 7 that new housing housing provident funds can be loan -loan. Specifically, the notice states that if you purchase a housing provident fund loan in the administrative area of \u200b\u200bthis city,

can apply for the deposit balance of the calculation of the loan amount, but the withdrawal amount and the loan amount The sum of the total price of the house must not be exceeded

. It will be implemented from June 6, 2022, and will be valid until December 31, 2022.

Multiple places surrender to the first payment, quota

According to the incomplete combing of Zhongxin Jingwei, the current cumulative

has the lowest to buy the first house of the first house for the purchase of the first house. The down payment ratio dropped to 20 %

. 　　除温州和南昌外，江苏徐州6月6日最新发布通知明确，首次使用住房公积金贷款的，新建商品住房首付比例由30%调整为20%，二手房首付比例由40%调整为30%. The policy is implemented from the date of release and a trial year.

On June 2nd, Anhui Bengbu issued measures to implement differentiated housing credit policies. The lowest down payment ratio of the first house was reduced to 20%, and the minimum loan interest rate was reduced to the corresponding period of loan market quotation. Earlier, Tangshan, Hebei, made it clear that the minimum down payment ratio of the housing provident fund loan was adjusted from not less than 30%to no less than 20%.

Sichuan Ya'an mentioned that the minimum down payment ratio of residents' family purchases the first set of ordinary commercial housing was reduced to 20%, and the minimum down payment ratio of a house and the corresponding home loan was reduced to 30%.

Fuzhou, Fujian, mentioned that if the property rights area of \u200b\u200bpure housing provident fund loans for the first time, the property rights area of \u200b\u200bbelow 90 square meters will be adjusted to not less than 20%.

For the first time in Xi'an, Shaanxi, if you apply for a housing provident fund loan to purchase ordinary housing (144 square meters and below), the down payment ratio is not less than 20%; if you purchase non -Putong housing (more than 144 square meters), the down payment ratio is not less than 25% Essence

In addition, since the second quarter of this year, the first home payment ratio of the first house in Lanzhou, Yinchuan, Ningxia, Nanchang, Jiangxi, Jilin, and Taiyuan, Shanxi can be at least 20%.

Not only that, many places also increased their first payment

to increase the amount of housing provident fund loans

.

For example, Taiyuan, Shanxi, is clear that both husbands and wives have the highest loan amount of 800,000 yuan in the households who pay the housing provident fund normally. Essence The amount of provident fund loans within the city of Nanchang, Jiangxi has increased to a unified amount of loans to a maximum of 800,000 yuan in dual employees, and a single employee of up to 700,000 yuan. (Zhongxin Jingwei APP)

Pay attention to the official WeChat public account of Zhongxin Jingwei (JWVIEW) to get more elite financial information.

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