20 19 down payment ratio of the first suite in Changzhi city and loan interest rate of the first suite identification policy

Changzhi City raised the maximum amount of the first home loan from 500,000 yuan to 600,000 yuan.

Notice of Changzhi Housing Provident Fund Management Center on Adjusting Personal Loan Business of Housing Provident Fund in Our City

In order to support low-and middle-income families to improve their housing conditions and give full play to the housing security function of the housing provident fund, According to the Notice of the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China on Developing Personal Housing Loan Business of Housing Provident Fund (Jian Jin [20 14] 148), the Notice of China People's Bank and China Banking Regulatory Commission on Further Improving Housing Financial Services (Yinfa [2065438+04] No.287) and Shanxi Province, The Notice of Taiyuan Central Sub-branch of the People's Bank of China on Forwarding the Notice of the Ministry of Housing and Urban-Rural Development, the Notice of the Ministry of Finance and the People's Bank of China on Developing the Personal Housing Loan Business of Housing Provident Fund (Jin Zi [20 18]), combined with the actual situation of housing provident fund loans in our city, was deliberated at the fourth meeting of the third session of the Municipal Housing Provident Fund Management Committee on February 9, 65438, and the individual housing loan policy of housing provident fund in our city was adjusted as follows:

First, increase the maximum loan amount for the first suite.

(a) in Changzhi City (urban areas, suburbs, high-tech development zones) within the scope of the purchase, construction, renovation, overhaul of the first set of self-occupied housing, loan applicants both husband and wife have paid housing provident fund, the maximum amount of provident fund loans from the original 500 thousand yuan to 600 thousand yuan; If the loan applicant pays the provident fund unilaterally, it will be adjusted from 350,000 yuan to 450,000 yuan.

(2) If the first set of self-occupied housing is purchased, built, renovated or overhauled in other counties outside Changzhi City, and both husband and wife of the loan applicant have paid the housing provident fund, the maximum amount of provident fund loans will be adjusted from the original 400,000 yuan to 500,000 yuan; If the loan applicant pays the provident fund unilaterally, it will be adjusted from the original 250,000 yuan to 350,000 yuan.

Second, increase the maximum amount of decoration loans.

(a) in Changzhi City (urban areas, suburbs, high-tech development zones) within the scope of renovation of self-occupied housing, the loan applicant and both husband and wife have paid housing provident fund, the maximum amount of provident fund renovation loans from the original 90 square meters below 200,000 yuan to 300,000 yuan, 90 square meters above (including 90 square meters) 300,000 yuan to 400,000 yuan; If the loan applicant pays the provident fund unilaterally, the maximum amount of the provident fund decoration loan will be adjusted from 6,543.8+0.5 million yuan below 90 square meters to 250,000 yuan, and from 200,000 yuan above 90 square meters (including 90 square meters) to 300,000 yuan.

(2) If the owner-occupied house is renovated in other counties outside the urban area of Changzhi City, and both husband and wife of the loan applicant have paid the housing provident fund, the maximum amount of the provident fund renovation loan will be adjusted from 6,543,800+0.5 million yuan below 90 square meters to 250,000 yuan, and from 200,000 yuan above 90 square meters to 300,000 yuan; If the loan applicant pays the provident fund unilaterally, the maximum amount of the provident fund decoration loan will be adjusted from 6,543,800 yuan below 90 square meters to 200,000 yuan, and from 6,543,805 yuan above 90 square meters (including 90 square meters) to 250,000 yuan.

Third, reduce the down payment ratio of housing loans.

If you buy two sets of self-occupied houses, the down payment ratio of housing provident fund loans below 140 square meters will be adjusted from not less than 50% to not less than 30%, and the down payment ratio of housing provident fund loans above 1. 1 times of the personal housing loan interest rate of the first housing provident fund in the same period.

Four, the implementation of the loan does not recognize the housing policy.

When purchasing a house with provident fund loans, the standard for determining the number of housing units was changed from "recognizing housing loans" to "recognizing loans and not recognizing housing". Implement the first home loan policy for families who purchase the first self-occupied housing; For families who own 1 apartment and settle their housing loans, in order to improve their living conditions, if they apply for housing loans to buy ordinary commercial housing again, the first home loan policy shall be followed. For families who own 1 apartment but the housing loan has not been settled, and need loans to buy a house again, the second home loan policy will be implemented. During the same period, the sum of all housing provident fund loan quotas shall not exceed 600,000 yuan. No personal housing provident fund loans will be issued to the families of workers who buy the third or above houses.

Verb (abbreviation of verb) expands the scope of borrowers.

Low-and middle-income families buy affordable housing, and buyers who cannot apply for housing provident fund loans without paying the provident fund can apply for housing provident fund loans in the name of their immediate family members who meet the loan conditions.

Intransitive verbs promote the loan business in different places.

(1) Applicant: Employees whose household registration is within the administrative area of this Municipality, but who have paid provincial and municipal housing provident funds outside the administrative area of this Municipality, can apply for housing provident fund loans in this Municipality as long as they purchase their own houses within this Municipality.

(2) Application conditions:

1. The applicant has full capacity for civil conduct, stable occupation and income, good credit and the ability to repay the principal and interest of the loan;

2. The applicant must purchase self-occupied housing in this city and be the owner or owner of the purchased housing;

3. When applying for a loan, the applicant must pay the housing provident fund in full and continuously for more than six months and pay it normally, and provide the employee housing provident fund payment certificate issued by the employment housing provident fund management center;

4. The applicant and spouse have no outstanding housing loans in this city and the place where the housing provident fund is paid;

5. The loan guarantee method must adopt the local real estate mortgage guarantee method;

6, other conditions stipulated by the city housing provident fund management center.

(3) the loan amount, term and interest rate

When employees apply for housing provident fund loans, the loan amount, term and interest rate shall be implemented in accordance with the relevant provisions of this Municipality.

The above six individual housing loan policy adjustments were implemented from 65438+February to 65438+February. Source network, for reference only