Shandong 2 City Rest up the highest provident fund's highest loan amount

The notice of the Dongying Housing Provident Fund Management Committee on supporting the use of housing provident funds to support multi -children families

In order to give full play to the role of housing security housing security and support multi -child family rental housing, the relevant matters are notified as follows:

First, many children families who have no own housing in Dongying City and rented houses can withdraw housing provident fund according to the actual rent.

2. For a multi -child family who purchases the first self -living housing and has not used housing provident fund loans, one person pays the housing provident fund, the highest loan amount increases by 100,000 yuan, both of the husband and wife pay the housing provident fund, and the maximum loan amount increases by 20 10,000 yuan; the calculation coefficient of the loan amount is adjusted from 2 to 3, and the monthly repayment amount to the monthly income ratio is adjusted from 50%to 60%.

The above policies are implemented from the date of issuance.

Dongying Housing Provident Fund Management Committee

September 24, 2022

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On September 21, the reporter learned from the Yantai Housing Provident Fund Management Center that recently, Yantai City issued the "Rules for Adjusting the Housing Provident Fund Policies, Regulating the Identification of Loan Business Matters" and "Rules for the Implementation of the Policy Development Policy of Housing Provident Fund". Execution from October 1.

The new standard shows that the maximum amount of personal housing provident fund loans in Yantai City was adjusted to 600,000 yuan. However, if the loan purchases a newly -built full -time house, prefabricated residence, passive ultra -low energy consumption independent residence (two -star and above green building standards), the maximum amount of loan is 700,000 yuan. The full renovation residential loan policy is implemented until November 10, 2023.

In terms of down payment ratio, the proportion of first payment of the first house and the second home housing provident fund personal housing loan must not be less than 30%.

If the unit pays overdue housing provident fund one -time remittance, the applicant shall continue to pay at no less than 5 months. If the newly transferred employees or units who participate in the job, the housing provident fund account will be paid, and the applicant shall continue to pay for no less than 5 months.

In the process of commercial transfer, the payment conditions for the payment of commercial housing loans to transfer housing provident fund loan employees "The borrowing applicant should have the housing provident fund for full deposit and housing provident fund in this city for 12 months when applying for the commercial housing loan. (Including) the above conditions ", the transfer applicant has been paid for 6 months in full and full of 6 months.

The document proposes that the house is recognized without recognition. Cancellation of the number of housing sets to implement the "recognition of houses and recognize loans" policy, changed to: provident fund loan, commercial loan purchased houses for settlement, and the full purchase of house purchases. There is a number of houses.

At the same time, Yantai City requested that the provident fund loan is limited to two times. The first provident fund loan applied for the employee may not apply for a housing provident fund loan again before paying off the loan. Families of employees who have already used housing provident fund loans shall not issue housing provident fund personal housing loans.

For the first withdrawal of the loan, the document requirements, the provident fund loan of the contract repayment business, if the first withdrawal after the issuance is issued, the first withdrawal of the loan is issued within one year of the loan issuance, and the provident fund loan issuance date shall prevail. When extraction, the repayment amount of the previous month should be retained by more than three times (including).

The document shows that the maximum amount of the maximum amount of the housing provident fund personal housing loan (referred to as the "multi -child loan") is 700,000 yuan in accordance with the conditions of the housing provident fund loan conditions, two -child, and three -child employees in Yantai City.

The amount of childlike two -child and three -child employee family renting ("multi -child extraction") quota that meets the conditions of renting housing extraction (for short child extraction) is 24,000 yuan per year.

Multi -child loan policy is suitable for business loans, incremental housing loans, different land loans (two -child, three -child household registration in Yantai) and other businesses (including first houses and second houses). Doctoral loan and master's loan. (Source: Dongying.com, Surging News)

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