Hefei Provident Fund Loan 2022 New Deal?

1. Hefei Provident Fund Loan 2022 New Deal?

The first is to increase the maximum loanable amount of the provident fund for the first home loan. If a family uses the first housing loan to purchase the first self-occupied housing, when applying for the housing provident fund loan, the maximum amount of the normal loan unilaterally paid will be raised from 450,000 yuan to 550,000 yuan, and the maximum amount of the loan for both husband and wife will be raised from 550,000 yuan to 650,000 yuan.

Second, extend the loan period of second-hand housing. Employees use housing provident fund loans to buy second-hand houses, the age of which is no more than 20 years, and the longest loan period is 30 years. The loan period plus house age is adjusted from no more than 30 years to no more than 40 years.

Three, this notice from the date of promulgation, valid for 5 years.

The second is a foreign household registration (work), but the provident fund is in Hefei, and I want to use the provident fund loan to buy it in Hefei. ...

According to the latest national policy, the provident fund can be withdrawn from different places. However, the implementation varies from place to place, so it is necessary to consult the local provident fund center in Zhengzhou.

The Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the Central Bank jointly issued the Notice on Developing Personal Housing Loan Business of Housing Provident Fund, requiring all localities to relax the conditions of provident fund loans. In the future, employees can apply for provident fund loans after continuous deposit for 6 months, and it is clearly stated for the first time that mutual recognition of provident fund will be realized in different places. On September 2, 2065438, KLOC-0, the Ministry of Housing and Urban-Rural Development issued the Notice of the Ministry of Housing and Urban-Rural Development on the Operation of Individual Housing Loans from Housing Provident Funds in Different Places (hereinafter referred to as the Notice) in official website.

The "Notice" clarifies that the housing provident fund for individual housing loans in different places is as follows:

1, the loan city provident fund center accepts the consultation of employees' loan business in different places, and informs them of the audit materials required for loans at one time;

2 employees themselves or their clients apply to the municipal provident fund deposit center, and the municipal provident fund deposit center verifies the loans issued by employees according to their applications. For the paid employees who have not used the housing provident fund personal housing loan or whose first housing provident fund personal housing loan has been settled, they shall be issued with certificates of deposit and use of housing provident fund loans in different places;

3. After accepting the employee's application for off-site loan, the loan city provident fund center shall verify the authenticity and completeness of the information in the Certificate of Deposit and Use of Housing Provident Fund for Employees with Off-site Loan to the deposit city provident fund center.

4. During the repayment period of employee loans paid in different places, if the personal account of housing provident fund is transferred, the original deposit city provident fund center shall promptly inform the loan city provident fund center and transfer it to the city provident fund center.

5, transferred to the city provident fund center should be in receipt of employee housing provident fund accounts, timely re-identify and record off-site loans.

3. How many years does Hefei extend the housing provident fund personal loan?

Hefei provident fund loan second-hand housing age stipulates the purchase of second-hand housing. When using the provident fund loan, the down payment must be paid in full to the special account of Shang Hui Bank of Hefei Stock House Fund Custody Center, and the house purchase contract or relevant supporting documents should be provided. If the house age is within 10 year, the maximum loan is 70%; If the house age 10 is less than 20 years, the maximum loan is 60%, and it must meet the loan down payment policy. The completion period of the house is subject to the real estate license or the relevant certificate of the real estate department. When making a loan, the sum of the loan period and the housing age shall not exceed 30 years at the longest, and the sum of the borrower's age and the loan period shall not exceed 5 years after his statutory retirement age, and he must apply for a loan before retirement.

Fourth, collect! 2022 Hefei's latest purchase policy update, these six must see!

In 2022, the results of the mid-year exam of Hefei property market were released, and the turning point of the property market has arrived. Leju Hefei exclusively plans "Backward and Forward-Mid-Year Inventory of Hefei Property Market in 2022", grasps the mid-year node, restores the trend of Hefei property market in the first half of the year, summarizes typical market phenomena and predicts the market trend in the second half of the year.

In a blink of an eye, the Hefei property market has come to an end in the first half of 2022. From the policy point of view, the first four months were calm, and there were drums in May and June, and the "waiting for the party" finally came to hope. Cancel the purchase restriction from Xinzhan and Yaohai, and adjust the rules of job-residence balance. Families with many children can register 30% new houses, and social security can pay back. Collective households can buy houses within 1 year, and the threshold for buying houses will drop again and again. From May of 10, in just two months, Hefei's ""policy followed, and the outside world ridiculed it as "returning to the old business". But for Hefei, the courage to "start all over again" is admirable. The martial arts in the world are fast and unbreakable. In the face of changes in the situation, instead of passive changes, it is better to adjust policies decisively and dare to try and make mistakes in order to outperform the real estate situation. One year has passed since the +0| regulation of No.65438. The situation of Hefei property market has changed. Changes in the property market are always changing rapidly. Looking back at the first half of 2022, who would have thought that the purchase restriction could be so "loose"? After 2021"4.6 New Deal", Hefei property market quickly returned to rationality, and various phenomena emerged one after another. It is generally believed in the industry that this policy has made 202 1 the most watershed year for Hefei property market. In April, this website exclusively planned "Change-65438+the 0 th Anniversary of Hefei Property Market Regulation", and deeply analyzed the implementation and influence of eight major policies such as land supply, lottery and sales restriction in the past year. For example, Hefei's new house shakes the number to hit a new heat; The number of second-hand housing listings surged and prices fell; The school district room cools down; 900,000 square meters of affordable rental housing was added; Interest rates fell for the first time in four years; The chaos in the property market is gradually decreasing.

At that time, we had already seen the "plunge" of the national property market, and felt that the situation of Hefei property market had changed. The enthusiasm for home ownership seemed to have been pressed "pause button" at once, as did new houses and second-hand houses. In the face of the "warm-hearted" policy wave in other cities, I also have expectations for the new policy of Hefei property market, but I never thought that Hefei could be reflected so quickly. NO.2| Second, canceling the purchase restriction and social security can repay the beginning of the story of Hefei's courage to "return to the old business", which dates back to 202 1. Due to the epidemic and the repeated impact of the real estate industry, the Hefei property market continued to slump. When the fanaticism dispersed, "wait-and-see school" and "wait-and-see school" rose, the turnover of new and second-hand houses in Hefei dropped significantly, and the market was silent. At this time in Hefei, although there are rumors that "the pilot project of job-residence balance will be expanded" and "the purchase restriction policy may be adjusted", there is no real hammer after all. From May 10, Hefei started the "loose" purchase restriction and "real" loosening mode, and Xinzhan and Yaohai took the lead in canceling the purchase restriction. Household registration in this city can buy a third second-hand house in the restricted purchase area. On June 24, a series of policies, such as relaxing the purchase restriction and increasing the price, paying social security and allowing enterprises to buy houses, were interlocking, which opened a big hole in the calm market. The specific policies are as follows: From May 2022 10, the purchase restriction of Xinqiao Industrial Park in Yaohai District, Xinzhan District and Economic Development Zone of Hefei City will be cancelled; 2. Foreigners from other regions can buy a set by paying social security for 6 months in Hefei within 2 years. 3. Hefei household registration can buy a third second-hand house in the restricted purchase area, but the new house can't; 4. Other policies remain unchanged. On June 24th, Hefei's purchase restriction policy was adjusted again: 1. Collective households with urban household registration and households who take refuge in relatives and friends have the same qualifications for purchasing houses as urban household registration. 2. In the qualification identification of non-registered residents in this city, the identification of social security tax payment is retrospective and supplementary. 3. Legal persons and unincorporated organizations can purchase new commercial housing and second-hand housing within the urban area. Among them, new commercial housing needs to be sold by development enterprises themselves. 4. When inquiring about the qualification of purchase restriction, the houses in non-purchase restriction areas (Xinzhan District, Yaohai District and Xinqiao Industrial Park) are no longer counted as family housing units, and the qualification standards only need to remain unchanged. A series of policy changes have made the path of buying houses in Hefei property market loose, and also released the qualifications and demand for buying houses, which will help boost market confidence. The emergence of new things is often accompanied by doubts, and the "loosening" of Hefei's purchase restriction has also been questioned. Some people in the industry commented on "Hefei returning to its old business" and "Hefei Taylor people". Just as the planning theme is "Backward, Forward", the national property market in the first half of 2022 is not optimistic. The three red lines are superimposed with various factors, and the real estate industry has suffered unprecedented heavy losses, such as housing market crisis, construction site shutdown, and unfinished real estate. Faced with this situation, Hefei decisively adjusted the purchase restriction policy in a timely manner. The criticism of "returning to the old business" is far more suitable for the current Hefei property market than the reputation of "sticking to the purchase restriction". NO.3| Improved demand "send welfare" to buy a house has policy support. Surprisingly, in addition to the relaxation of purchase restrictions, the improved demand has also been supported by policies, and the extra "sending benefits" is very intimate. Mainly manifested in the down payment of 30% for the household registration of two-child families; The policy of work-life balance has changed. Two-child family welfare lottery policy update. Families with two or more children in Hefei sign up for the lottery, with a down payment of 30%. Buying a house needs to meet the loan down payment ratio required by the bank, and the registration threshold and the purchase threshold are greatly reduced. A buyer who intends to be "politically high" took the initiative to join the new camp.

The expansion of the pilot of priority lottery with close working relationship has also ushered in new progress, brought more surprises and expanded the scope. The proportion of lottery has increased to 50%, and the priority lottery with close working relationship has put the "priority lottery with close working relationship" into practice.

Compared with before, there are the following changes: 1, and the scope of job-residence balance has expanded. Previously, Hefei only conducted a pilot project of job-residence balance in high-tech zones; Now economic development zones have been added; 2. The distribution of lottery proportion has changed. Previously, within the scope of the pilot project of job-residence balance, the proportion of new house lottery distribution was only 30%, job-residence 30%, and ordinary 40%; At present, the occupation and residence have increased from 30% to 50%, and the specific proportion of the lottery is exactly 30%, the occupation and residence are 50%, and the ordinary is 20%. 3. The order of the lottery has changed, and the work and residence have priority to participate in the lottery. Previously, the order of the lottery in Hefei was: just needed-work and residence-ordinary, but now it is changed to: work and residence-just needed-ordinary. If 2021"4.6 New Deal" fully protects the rights and interests of just-needed, eligible just-needed can enjoy the policy dividend of 30% down payment; Then, the property market policy in the first half of 2022 will take into account the improved demand on the basis of ensuring just-needed, and fully protect the rights and interests of buyers with housing needs. NO.4| Fourth, the long-awaited increase in the amount of provident fund loans, before she began to come to us, we had called for a thousand times, urged for a thousand times, and finally came. Increase the maximum loanable amount of the first set of housing loan provident fund, increase the maximum loanable amount of the unilateral normal deposit from 450,000 yuan to 550,000 yuan, and increase the maximum loanable amount of both husband and wife from 550,000 yuan to 650,000 yuan. Extend the loan period of second-hand housing, and adjust the loan period and housing age from 30 years to 40 years. From 20 19 "the conditions for increasing the amount of provident fund loans are temporarily unavailable", 202 1 "the personal interest rate of provident fund loans runs at a high level", to May 2022 "the notice of increase has not been received", and then to the "New Deal" in June, Hefei people finally waited for the good news of the increase of the amount of provident fund loans. No.5 | Wu's maximum subsidy for buying a house is 30%. The phenomenon of "grabbing" talents in Hefei is serious. Recently, some policies (for trial implementation) for the development of service talents in Hefei have been issued, ranging from leading talents to technicians. There is a big discount on buying a house. If you come, you can buy a house and give priority to the lottery. The maximum subsidy for buying a house is 30%.

Rental subsidies are also very strong. You can rent talent apartments for free in the first three years. If you rent a house by yourself, the maximum subsidy is 60,000 yuan per year and the minimum subsidy is 42,000 yuan within three years. There is little pressure to rent a house. In short, Hefei is serious about "grabbing talents". The conclusion summarizes the policy of Hefei property market in one word, which must be "stable"! In the first half of the year, Hefei made six big moves to fix the property market: increasing the amount of provident fund loans, loosening the "real" restrictions on purchases, piloting the balance between occupation and housing, subsidizing talents, paying 30% down payment for families with many children, and repaying social security. In the first half of 2022, the good news of Hefei property market continued, whether it was the relaxation of purchase restriction, the increase of the amount of provident fund loans, or the talent purchase policy, it provided more opportunities for buyers.