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Zibo Housing Provident Fund Management Center issued the Notice on Adjusting the Interest Rate of Personal Housing Provident Fund Loans, so what adjustments will be made to the provident fund loans and down payment policies in Zibo in 2022? This article introduces the latest policy adjustment information of Zibo Provident Fund in detail.

Zibo adjusted the interest rate of the first individual housing provident fund housing loan from June 10, 2022;

1.2022 1 October 1 The first set of individual housing provident fund loans will still be subject to the original interest rate standard after 2022 1 October1,and from 20231October1.

2. For the first set of individual housing provident fund loans that have signed loan contracts and the loan date is after 2022 (inclusive) 10, the adjusted interest rate standard for individual housing provident fund loans shall be implemented, and individual housing provident fund loans with different repayment methods shall be determined according to the Operating Rules for Individual Housing Provident Fund Loans in Zibo and the Individual Housing Provident Fund Loan Contract in Zibo.

3. The first personal housing provident fund loan applied after June 65438+1 October1in 2022 shall be implemented according to the adjusted interest rate standard.

Notice on policies related to housing provident fund in Zibo from May 28, 2022:

In order to give full play to the role of housing provident fund in housing security, meet the reasonable housing needs of the employees, and promote the stable and healthy development of the real estate market, combined with the actual situation of our city, with the approval of the Zibo Housing Provident Fund Management Committee, since May 28, 2022, some housing provident fund use policies in our city have been adjusted. The specific contents are hereby notified as follows.

1. Reduce the down payment ratio of the second home loan.

The minimum down payment ratio of housing provident fund loans for employees' families to purchase second suites was reduced from 40% to 30%.

2. Relax the application conditions for housing provident fund loans.

By the date of loan application, employees who have continuously paid the housing provident fund in full for more than 6 months (inclusive) may apply for housing provident fund loans.

3. Optimize the loan support policy for talent groups

Talents who meet the requirements of Article 37 of Zibo Talent Finance can apply for housing provident fund loans if they open a housing provident fund account in our city and pay the housing provident fund in full 1 month (inclusive). The scope of talent groups is defined in accordance with Articles 5 and 6 of Article 37 of Zibo Talent Finance.

4. Determine the criteria for determining the number of housing units.

When employees handle the housing accumulation fund business, the houses with "rural homestead" or "use-residence and real estate certificate number J0x-XXXXXXXXX" clearly shown in the real estate registration query results of our city are no longer included in the calculation of existing housing units.

5. Increase the scale of housing provident fund funds.

Gradually increase the amount of housing provident fund funds and greatly shorten the waiting time for housing provident fund loans.

This notice shall come into force as of May 28, 2022. Since the date of implementation, the application for housing provident fund loans will be accepted according to the adjusted policy, and those previously accepted by the housing provident fund center will still be implemented according to the original policy.