The multi-site provident fund policy has changed.

New changes have taken place in the housing provident fund policy in many places.

Nanjing, Zhumadian and other places promote "mortgage transfer", Yangzhou, Xianyang and other places support "business transfer to public", and Dazhou and other places support provident fund to pay down payment.

Nanjing, Zhumadian and other places push for "transfer with mortgage"

The notice of Zhumadian Municipal People's Government of Henan Province mentioned that the housing provident fund loan should be "transferred with the mortgage", the application for withdrawal of housing provident fund to pay the down payment, and the support for the depositor of housing provident fund to withdraw the provident fund for renting housing.

Official website Nanjing Housing Provident Fund Management Center issued the Notice on Launching the Mortgage Second-hand Housing Provident Fund Loan Business, and started the mortgage second-hand housing provident fund loan business from now on.

Nanjing Housing Provident Fund Management Center pointed out that in the process of second-hand housing transactions, buyers and sellers can handle the house transfer and mortgage registration through the provident fund loan business without the need for the seller to settle the loan and release the mortgage first, so that the buyer has the conditions to implement the mortgage guarantee of the purchased house before the housing provident fund loan is released.

After the approval, we can get the provident fund loan.

In addition, it is mentioned in the "Pilot Program of" Transfer with Fees "for Second-hand Housing Provident Fund Loans in Xiangyang City" that second-hand housing transactions can be transferred without settling the loans in advance.

Anhui Lu 'an, Fujian Zhangzhou, Zhejiang Ningbo and other places have successively introduced the relevant policies of "mortgage with mortgage" for provident fund loans.

Mortgage transfer refers to the transfer of the real estate mortgaged by the seller in the second-hand housing transaction, that is, the real estate transfer registration is carried out under the condition that the original mortgage exists, and the ownership of the real estate is transferred to the buyer.

The research director of the think tank center of Yiju Research Institute said that the "transfer with mortgage" policy is a real estate registration reform and convenience service policy, and it is a long-term mechanism for normalization. In the medium and long term, this policy has a very good role in promoting the subsequent development of the second-hand housing market.

Wang Qing, chief macro analyst of Oriental Jincheng, said that the implementation of the "mortgage transfer" policy is mainly to facilitate second-hand housing transactions.

At the same time, it will also expand the market demand for new commercial housing-the seller may buy other second-hand houses or enter the new housing market after selling the house.

For the public, "transfer with mortgage" simplifies the second-hand housing transaction, shortens the transaction time, especially saves the seller the process of raising money to repay the mortgage, and also saves the buyer the worries of paying in advance.

Provident fund to pay down payment for house purchase

Nanjing Housing Provident Fund Management Center issued the Detailed Rules for the Implementation of Relevant Provisions on Optimizing the Withdrawal of Housing Provident Fund to Pay for House Purchase in Nanjing, allowing employees and their spouses who meet the conditions of withdrawing housing provident fund to sign agreements with development enterprises or sellers to use the balance in individual housing provident fund accounts as pre-purchase funds.

Dazhou, Sichuan issued a notice on ten measures to support rigid and improved housing demand, allowing employees who have paid the housing provident fund in Dazhou without loan debt to withdraw the housing provident fund and buy self-occupied housing for their children or parents within Dazhou.

If you buy self-occupied housing in Dazhou, adult children or parents are allowed to apply for housing provident fund loans.

In addition, if Dazhou housing provident fund loan is used to purchase a house, the depositor can apply for withdrawing the balance of the account to pay the down payment after retaining 5% of the loan amount in his provident fund account, and implement "repaying the loan by loan".

This year, in addition to Nanjing, Dazhou and other places to follow the provident fund purchase policy, according to the monitoring data of the Central Reference Institute, more than 20 provinces and cities such as Fuzhou and Zhuhai have successively introduced new policies, allowing employees who purchase commercial housing to withdraw housing provident fund to pay down payment, and the cities that have introduced relevant policies continue to expand.

In addition to the above changes, these areas support the "commercial transfer of provident fund", social security card withdrawal of provident fund, and extension of repayment period.

In terms of "business-to-public", Yangzhou, Jiangsu Province started the business of transferring commercial housing loans to individual housing provident fund loans (hereinafter referred to as "business-to-public"). Yangzhou Housing Provident Fund Management Center said that this move is to give full play to the inclusive role of the housing provident fund system and effectively reduce the repayment pressure of housing provident fund depositors.

Xianyang, Shaanxi issued detailed rules for the implementation of personal housing commercial loans to housing provident fund loans, and completed the first real estate registration of "commercial to public" loans.

Suqian, Jiangsu Province realizes Suqian innovative social security card to support the withdrawal of provident fund; Fujian Quanzhou has added three services: online loan repayment, online repayment and online early settlement; Yancheng, Jiangsu Province has extended the loan period of housing provident fund from no more than 20 years to 30 years, and adjusted the maximum loan amount for eligible families from 600,000 yuan to 654.38+00,000 yuan.

The director of market research of the Central Reference Institute believes that the introduction of policies such as increasing the amount of provident fund loans, supporting "business-to-public" loans and allowing the withdrawal of provident fund to pay down payment in several cities will help alleviate the pressure on home buyers to repay loans and improve the efficiency of the use of provident fund pools. In the short term, all localities will continue to combine the actual situation of their own provident fund use, and the number of cities that optimize the provident fund policy is expected to continue to expand.