Zhongxin Finance, May 31st, Wenzhou Municipal Government Information Office's official WeChat account "Wenzhou Release" on the 30th news, in order to promote the stable and healthy development of the real estate market, taking into account the demand for guaranteed housing and the policy of "housing, not speculating", Wenzhou recently introduced Implement a package of policies to support the rigid housing needs of the masses.

  In terms of housing provident fund loans, the new policy has increased support for housing provident fund loans.

When the housing provident fund workers purchase their first home during the policy implementation period, the maximum loan amount paid by a single person will be increased by 150,000 yuan, and the maximum loan amount paid by a couple will be increased by 300,000 yuan.

Taking the urban area as an example, after the adjustment, the maximum loan amount deposited by a single person can reach 650,000 yuan, and the maximum loan amount deposited by a couple can reach 1 million yuan.

  At the same time, the multiples of the payment time limit in the calculation method of the housing provident fund loan amount have also changed accordingly.

Among them, the base is increased from 4 times to 5 times, and the maximum multiple is increased from 10 times to 11 times.

For workers' families who purchase, build, renovate or overhaul their first self-occupied housing and apply for a personal housing provident fund loan, the minimum down payment ratio will be reduced from 30% to 20%; if a second set of houses applies for a personal housing provident fund loan, the minimum down payment ratio from 50% to 40%.

  In addition, the monthly withdrawal amount for employees who apply for housing provident fund withdrawals from homeless rentals has been increased from the previous maximum of 1,200 yuan to 1,400 yuan.

  In terms of commercial loans to buy houses, according to the new policy, Wenzhou City implements the minimum down payment ratio of 20% for residents who apply for commercial loans for the first time to purchase ordinary commercial housing or second-hand housing.

Commercial personal housing loans for the purchase of a second home with a minimum down payment of 30%.

  At the same time, Wenzhou City will encourage banks to further reduce the interest rate of households' first housing loan, strengthen the issuance of commercial housing mortgage loans with more favorable interest rates and a faster speed, and keep the housing loan interest rate at a low level in the province and even in the Yangtze River Delta region.

  In addition, in order to implement the differentiated housing credit policy, at present, households who have no housing in Wenzhou but have completed housing loan records under their names, or who own a house in Wenzhou but have no housing loan records under their names, or whose names For those who own a house in Wenzhou but the housing loan has been settled, the first set of first loan preferential policy will be implemented for the purchase of ordinary houses.

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