Hunan: Three -child family provincial direct provident fund loans can reach up to 800,000 yuan

Three -child family provincial direct provident fund loans can reach up to 800,000 yuan

There are no restrictions on the area of ​​the first house

The Hunan Provincial Affairs Administration of Affairs issued the "Notice on Adjusting the Provincial Policy and Process of the Provincial Unit's Housing Provident Fund" on the 25th. From August 1, the maximum loan amount of the provincial direct housing provident fund loan increased from 600,000 yuan to 700,000 yuan, The maximum loan quota for the housing provident fund loan of the three -child family has increased to 800,000 yuan. If the employee family purchases a second house for a housing provident fund loan, the minimum down payment ratio is adjusted from 60%to 40%.

The "Notice" clearly clearly implements the "Key loan" policy in the first house. From the date of implementation of the policy to December 31, 2022, the purchase of the first house can apply for a provident fund loan, or you can apply for a house to withdraw. The total amount of the same house withdrawal shall not exceed the first payment of the house.

The "Notice" canceled the restriction requirements of the first house area. Those who purchase a two -suite to apply for a housing provident fund loan will cancel the "first self -housing area must not exceed 144 square meters", that is, no restrictions on the area of ​​the first house.

The "Notice" stipulates that the existing housing provident fund loans can be reinstated immediately after settlement. That is, after the existing housing provident fund loan is settled for 6 months, the provisions of the housing provident fund loan can be applied again.

Since this year, Changsha has introduced a number of measures to promote the release of house purchase demand. On April 21, many departments of Changsha City jointly issued a notice on implementing the "Several Opinions on Promoting the Destruction on Non -residential Commercial Housing", and by strengthening land use management, reducing transaction costs and use costs Develop. From May 6th, the interval time for households to purchase the second set of commercial housing in the Changsha restricted purchase area is calculated in a uniform for 4 years. In June, Changsha Housing Provident Fund and Provincial Straight Housing Provident Fund successively adjusted the deposit, with a monthly deposit amount of up to 6,888 yuan.

Regarding future policy direction, people in the industry said that first, the combination of housing policies with population, talent, and lease policy is still an important direction for optimizing the regulatory policy due to urban policies. The third is that the purchase restriction policy is expected to continue to be optimized; the fourth is that the policy or more refined. Due to urban policies and district policies, a targeted policy promotes rigidity and improved housing demand.

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