Since July 1, there have been new changes in Changzhou mortgage interest rate and provident fund.

In the first half of the year, Changzhou property market was in a daze. At the beginning of the year, the market was deserted, then it was hot, and it was slightly rational in June. What will happen to the market in the second half of the year? It is still difficult to draw a conclusion for the time being. However, from July 1, there will be new changes in mortgage interest rate, provident fund and property management policies. Will these policies have an impact on Changzhou property market in the second half of the year?

Public accumulation fund

0 1 The total contribution of the provident fund is up to 436.8 yuan per month.

1 and 20 19 years, the monthly deposit base of housing provident fund is the total wage income of employees in 20 18 years divided by the number of months of wage payment.

2.20 19 The upper limit of the deposit base of housing provident fund is adjusted to 22,800 yuan; The lower limit of the deposit base will not be adjusted, that is, Changzhou City (including Wujin District) is 2020 yuan, and liyang city and Jintan District are both 1850 yuan.

* The maximum deposit base of all localities shall not exceed three times the average monthly salary of employees in non-private units in Changzhou, that is, 22,800 yuan.

* If the average monthly salary is higher than 22,800 yuan, the monthly deposit base is 22,800 yuan, and if the average monthly salary is lower than 22,800 yuan, the monthly deposit base shall be based on the actual income of employees, but the minimum shall not be lower than the monthly minimum wage standard for employees in all regions of the province announced by the human resources and social departments.

* In order to reduce the cost and burden of enterprises, in 20 19 years, the proportion of housing accumulation funds paid by various party and government organs, institutions and enterprises in the city was expanded from 10%- 12% to 5%- 12%, that is, the units and employees were 5%-/kloc-0 respectively.

Taking the urban area as an example, the upper limit of 20 18 provident fund payment is:

Unit: 20980× 12%=25 17.6 yuan.

Personal: 20980× 12%=25 17.6 yuan.

Total: 2517.6+2517.6 = 5035.2 yuan.

Taking the urban area as an example, after July 2065438+2009, the upper limit of provident fund deposit is:

Unit: 22,800×12% = 2,736 yuan.

Individual: 22,800×12% = 2,736 yuan.

Total: 2736+2736=5472 yuan.

The calculation standard of housing provident fund loan amount has changed.

The loan amount of housing provident fund in our city was previously calculated by 20 times the sum of the balance of the provident fund account of loan applicants (including more than 2 people).

According to the new calculation rules, the loan amount of two types of loan applicants can be calculated by 20 times the sum of the applicants' balances. One is that there is no record of using the housing provident fund to buy a house. The loan applicant needs to pay the housing provident fund continuously for 6 months before the loan, and at least one person has paid the housing provident fund continuously for 2 years before the loan; The other is the purchase of affordable housing, and the loan applicant can deposit for 6 months before the loan, regardless of whether there is a use record.

If the conditions of the 20-fold calculation rule are not met, the loan amount shall be calculated according to 6 times of the sum of the provident fund balances of eligible loan applicants. The original calculation rule "Calculate the loan amount according to 10 times the used record balance" is no longer implemented. "Usage records" refer to loan records, house purchase extraction records and loan repayment extraction records. Among them, the extraction records only refer to the extraction records of house purchase and loan repayment, and other types of extraction records (such as rental extraction and major illness extraction, etc.). ) does not belong to the purchase withdrawal record and does not affect the calculation of loan amount.

The New Deal cancelled the care policy of the guaranteed loan amount, that is, the original loan amount was relaxed to "65,438+0,65,438+0,802.36 million", and the care policy was no longer implemented. For innovative and entrepreneurial talents and spouses of active servicemen who have no record of using the housing provident fund, the loan amount is still relaxed to 600,000 yuan.

Employees who deposit in different places can apply for loans in our city.

The New Deal stipulates that employees who have paid housing provident fund in provinces and cities outside the administrative area of our city can apply for housing provident fund loans from the housing provident fund center of our city if they have purchased their own houses and have been certified by the housing provident fund management center where they have paid, and if they meet the conditions for housing provident fund loans in our city. The loan amount, term and interest rate shall be implemented in accordance with the provisions of the housing provident fund personal housing loan in our city.

Meet the conditions of housing provident fund loan in our city, including: the borrower's housing provident fund remittance is normal when applying for a loan, and the individual has continuously paid the housing provident fund for 6 months since the date of application; Can provide me with valid proof materials such as purchasing commercial housing, second-hand housing, affordable housing or building or overhauling self-occupied housing; Have a stable income, good credit, and the ability to repay the loan principal and interest on time; Handle the guarantee in accordance with the guarantee method approved by the Municipal Housing Provident Fund Center; The applicant has no or only one record of housing provident fund loan in different places and has paid it off.

To apply for housing provident fund loans deposited in different places, the loan applicant shall provide the certificate of deposit and use of housing provident fund issued by the provident fund center of the place where the loan is deposited; There are outstanding provident fund loans in the deposit place, and you cannot apply for provident fund loans in different places in our city; The loan records in different places are regarded as the loan records in our city. One of the loan applicants has a loan record of settlement in different places. The provident fund loan applied for in our city is implemented according to the second set of provident fund loan policy in our city. If there are two loan records in different places, you cannot apply for provident fund loans again in our city.

Individuals who contribute to the installation of elevators for residential buildings can withdraw the provident fund.

According to the New Deal, owners who have invested in installing elevators in existing houses can withdraw their own and their spouses' housing provident fund in one lump sum from the date of elevator use registration 1 year to pay their personal share of elevator installation costs, and the total amount of withdrawal shall not exceed the sum of the shares of individuals and couples.

It should be noted that this kind of extraction is only provided to the owners and their spouses of the additional installation and extraction of house property rights. Workers with outstanding housing provident fund loans or "revolutionary business" interest-bearing loans can not handle this withdrawal.

Mortgage interest rate

The first suite rose 10%, and the second suite rose 15%.

Before July 1, the interest rate of the first suite of three banks had risen by 10%, namely China Bank, Industrial Bank and Minsheng Bank. After July 1, the interest rates of the first suite of CCB, ICBC, Bank of Communications and Jiangnan Rural Commercial Bank have risen 10%, and the interest rates of the second suite have risen 15%.

When the mortgage interest rate is raised, the pressure on buyers to buy a house will increase. The loan is 654.38+0.5 million with equal principal and interest. In 30 years, the interest rate of the first suite will be increased from 5% to 654.38+00%, so the cost of buying a house will be at least 80,000 more! .

Property policy

"Changzhou Residential Property Management Regulations" will come into effect today.

Compared with the previous related measures, the Municipal Regulations added three chapters: property warranty fund, residential special maintenance fund, credit management and supervision and management. At the same time, the "Municipal Regulations" clarified the management boundaries of the government and relevant departments, and promoted the expansion of comprehensive administrative law enforcement to public places in residential quarters. It is worth mentioning that, in view of the public's general concern to promote the preparations for the first owners' meeting, specific provisions have been made on the management, use and supervision of warranty funds and residential special maintenance funds.

When the mortgage interest rate is raised, the pressure on buyers to buy a house will increase. The loan is 654.38+0.5 million with equal principal and interest. In 30 years, the interest rate of the first suite will be increased from 5% to 654.38+00%, so the cost of buying a house will be at least 80,000 more! .

Pan Xin kuai Bao

According to the current statistics, there will be 16 sets of pure new houses in Changzhou in the second half of the year, and the price will be between 10000-30000 yuan/flat. Relatively speaking, there is little difference in the number of pure new discs in the four districts, and there are relatively many high-end discs in Bell Tower and Tianning.