Subsidies for buying a house in one place, up to 50,000 yuan! Home purchase policies in these 4 places were relaxed on the same day, and families with multiple children were encouraged
Home purchase policies continue to be loosened in many places.
Securities Times Securities China reporters sorted out statistics. On June 6, Tangshan City and Qinhuangdao in Hebei Province, Xuzhou City in Jiangsu Province, and Suining City in Sichuan Province all loosened the housing provident fund loan policy.
In addition to the standard actions such as reducing the down payment ratio of provident fund loans and increasing the maximum loan amount, Tangshan’s policy portfolio has been upgraded, not only reducing the minimum down payment ratio for second homes to 20%, but also increasing the maximum loan amount for families with multiple children; Qinhuangdao also Families who buy new houses in full propose that parents of both parties can withdraw provident funds to support their children to buy houses.
On the evening of June 7, the Housing and Urban-Rural Development Bureau of Shangqiu City, Henan Province issued a new policy to stabilize the property market.
The new policy proposes to provide housing subsidy for talents who purchase houses, 50,000 yuan for doctoral students, 30,000 yuan for master's students, and 20,000 yuan for undergraduate graduates.
At the same time, the maximum loan amount of the provident fund has been increased, from 400,000 yuan to 500,000 yuan for a single person; from 600,000 yuan to 700,000 yuan for couples.
In addition, for households without housing loans to purchase ordinary housing, the minimum down payment ratio of the loan is 20%.
For the newly issued commercial personal housing loans for the first set of housing, the lower limit of the interest rate shall be the requirement that the market quoted interest rate of the loan of the corresponding period minus 20 basis points.
In addition, a one-time subsidy of 10,000 yuan will be given to individuals who purchase ordinary commercial housing for the first time.
Tangshan second housing provident fund loan down payment ratio dropped to 20%
On June 6, the official account of "Tangshan Provident Fund" issued a document saying that the policy portfolio of Tangshan Provident Fund has been upgraded again: all purchases and loan repayments are withdrawn, and families with multiple children are encouraged!
In terms of withdrawal, it is proposed that for the withdrawal of the full purchase price, the withdrawal will be changed from one-time withdrawal to multiple withdrawals.
Full-payment withdrawal for house purchase includes full-payment withdrawal for commercial housing purchase and full-payment purchase for stock house withdrawal.
After June 1, 2022, if employees and their spouses purchase the first set of self-occupied housing or the second set of improved housing in the administrative area of Tangshan City, they can withdraw the storage balance of the housing provident fund account of themselves and their spouses once a year. The total amount of accumulated withdrawals shall not exceed the actual purchase expenses.
In addition, for the withdrawal of the repayment of the loan for the purchase of a house, the withdrawal can still be made once a year after the loan is settled.
In terms of loans, it is proposed that the minimum down payment ratio for housing loans should be reduced, and the minimum down payment ratio for housing provident fund loans should be adjusted from not less than 30% to not less than 20% for employees who pay for their first and second self-occupied housing.
At the same time, families with two and three children are encouraged to use housing provident fund loans to purchase houses, and the restriction that their loan amount is linked to the balance of the payment is cancelled. On the premise that they meet the requirements of loan repayment ability, families with two children can use the same conditions. The maximum increase is 100,000 yuan, and an additional maximum of 200,000 yuan for families with three children.
In addition, the restrictions on the duration of the combined loan are removed.
When the paid-in employees apply for the combined loan, the loan maturity date of the housing provident fund loan shall still not exceed 5 years after the borrower's statutory retirement time, and the commercial loan term shall be implemented in accordance with the commercial bank loan regulations.
This policy adjustment will be implemented from June 15, 2022.
Qinhuangdao reduces the down payment ratio of the second provident fund loan
On June 6, Qinhuangdao Housing Provident Fund Management Center issued the detailed implementation rules for implementing the municipal government's "Several Policies and Measures to Stabilize the City's Economic Operation".
Among them, it is proposed to increase the maximum loan amount, adjust the upper limit of the loan amount for single-payment employees from 400,000 yuan to 600,000 yuan, and adjust the upper limit of the family loan limit for double-payment employees from 600,000 yuan to 800,000 yuan.
(It can be adjusted according to the actual situation)
At the same time, the down payment ratio of the second loan is reduced, and the depositors who have paid off the first personal housing provident fund loan and reapply for the housing provident fund loan to buy self-occupied housing shall adjust the minimum down payment ratio from not less than 60% to not less than 60%. 30%.
In addition, to give full play to the mutual assistance function between family members, if the depositor of Qinhuangdao City purchases the new self-occupied housing in the city in full, the parents of both husband and wife can apply for the withdrawal of housing provident fund to support their children to buy a house (only once).
In addition, the age control line for existing housing loans is extended, and if you purchase existing housing (second-hand housing) and apply for a housing provident fund loan, the maximum housing age limit is adjusted from no more than 25 years to no more than 30 years, and the sum of the housing age and the loan term not more than 45 years.
Xuzhou reduces the first housing provident fund loan down payment ratio
On June 6, the Xuzhou Housing Provident Fund Management Center issued the "Notice on Implementing the Phased Policy of Housing Provident Fund".
The "Notice" proposes to adjust the down payment ratio of the first housing provident fund loan.
For those who use housing provident fund loans for the first time, the down payment ratio for new commercial housing is adjusted from 30% to 20%, and the down payment ratio for second-hand housing is adjusted from 40% to 30%.
This policy will be implemented from the date of promulgation and will be implemented on a trial basis for one year.
At the same time, the business of withdrawing housing provident fund monthly to repay commercial banks' personal housing loans was launched.
Employees who have never used housing provident fund loans are allowed to withdraw housing provident funds monthly to repay commercial bank personal housing loans.
At the same time, the business of transferring part of the balance of personal housing loans from commercial banks to housing provident fund loans will be suspended.
This policy will be implemented from August 1, 2022.
Suining second housing provident fund loan down payment ratio dropped to 30%
On June 6, the Housing Provident Fund Management Center of Suining City, Sichuan Province issued the "Notice on Appropriate Adjustment of Housing Provident Fund Loan Policies".
The above-mentioned "Notice" proposes that if a depositor's family conforming to the housing provident fund loan policy of Suining City purchases a self-occupied house in the main urban area of Suining City (including Chuanshan District and the municipal park) and applies for a housing provident fund loan, the maximum loan limit for a single-payer family is set by 350,000 yuan was raised to 500,000 yuan, and the maximum loan limit for double-deposit households was raised from 400,000 yuan to 600,000 yuan.
At the same time, if the depositor’s family in line with Suining’s housing provident fund loan policy purchases self-occupied housing in Shehong City, Anju District, Pengxi County, and Daying County to apply for a housing provident fund loan, the maximum loan limit for a single-payer family is 35 10,000 yuan was raised to 400,000 yuan, and the maximum loan limit for double-deposit households was raised from 400,000 yuan to 500,000 yuan.
In addition, the depositor's family in line with Suining's housing provident fund loan policy to purchase a second ordinary self-occupied housing in the district of Suining, the down payment ratio is reduced from 40% to 30%.
(Broker China)