Hangzhou released a three -child house housing provident fund preferential policy multi -city property market tilted to multiple children families

Reporter Li Zheng

On August 1, the Hangzhou Housing Provident Fund Management Committee issued the "Notice on the Implementation of the Promoting Policy on the Three -Child Family Housing Provident Fund" (hereinafter referred to as the "Notice").

The "Notice" clearly states that if the three -child family in Hangzhou purchases the first ordinary self -living housing and apply for a housing provident fund loan for the first time, the loan amount can be determined by 20%of the maximum loan limit of the family; For provident fund, the withdrawal limit is determined by 50%according to the prescribed quota standard.

具体来看，在购房方面，首套普通自住住房按杭州市公积金贷款“认房认贷”政策确定；租房方面，具体确定额度为杭州市区（含萧山区、余杭区、临平区、 Fuyang District, Lin'an District) 1,800 yuan/month, Tonglu County is 1260 yuan/month, Chun'an County is 900 yuan/month, and Jiande City is 720 yuan/month.

"From the perspective of buying a house, the highest loan amount of the floating provident fund in the Hangzhou property market on the new policy of the Hangzhou property market can directly reduce the monthly supply of the provident loan. Even if you need to use commercial loans, you can indirectly reduce the repayment amount of the commercial loan. The three -child family provident fund withdrawal limit is 50%up. While alleviating the pressure of housing expenditure of many children's houses without houses, it also reflects the policy attitude of encouraging rent and purchase. "Li Yujia said.

According to the incomplete statistics of the "Securities Daily" reporter, in the new property market in many places during the year, in addition to Hangzhou, there are more than 30 cities or regions including Cangzhou and Changsha. The new policy of the property market includes a variety of methods such as relaxation of purchase restrictions, increasing the amount of housing provident fund loans, and giving house purchase subsidies.

For example, on July 31, a preferential policy in Cangzhou City, Hebei, increased the loan amount of many children's housing housing provident fund. Among them, the maximum loan quota of the two -child family rises 100,000 yuan, and the maximum loan quota of the three -child family will float 200,000 yuan; on July 22, Changsha issued the "Notice on Optimizing the Business Policy and Process of Housing Provident Fund", a family of three children for childbirth The maximum amount of housing provident fund loans has increased to 800,000 yuan, and employees' families purchase the second set of improved self -housing. The new policy shall not adjust the down payment ratio of 60%to 40%of the total price of the house.

In this regard, Yan Yuejin, the research director of the Think Tank Center of the E -House Research Institute, told a reporter from the Securities Daily that from the national perspective, the implementation of the new policy of the property market has been launched in many places since this year With multiple children's policies, such initiatives can further reduce the cost of buying houses for many children's households, active market demand, and also protect the rights of house buying.

"From the perspective of the city scale, most cities that have been released in the new policy belong to second -tier cities. It is mainly because second -tier cities are more inclined to use the demand for multi -child households as a breakthrough. All residents of inclusive. "Yan Yuejin said that this approach is worthy of recognition and has a very good demonstration effect. Other cities can also actively learn Hangzhou practices. For different buying and rental groups, some new relaxation policies are introduced in terms of provident fund Essence

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