China News Service, August 30. On August 30, the Guiyang Housing Management Provident Fund Center website published the Guiyang Housing Provident Fund Management Committee's notice on printing and distributing Guiyang Gui'an Housing Provident Fund measures to promote a virtuous circle and healthy development of the real estate industry.
Among them, it is mentioned that the support provident fund is "raised and borrowed again".
For the same house, employees can apply for a housing provident fund personal housing loan after withdrawing the housing provident fund for an additional down payment.
The notice proposes to adjust the criteria for identifying the first home of housing provident fund personal housing loans.
If the employee's family (I and my spouse, the same below) has settled all personal housing loans or has only one unsettled commercial personal housing loan, the down payment ratio shall be determined according to the first housing loan to apply for a housing provident fund personal housing loan for repurchasing a house. , with a minimum of not less than 20%.
If the employee's family has more than one (inclusive) settled housing provident fund personal housing loan, and applies for a housing provident fund personal housing loan again, the loan interest rate shall be 1.1 times the first housing provident fund personal housing loan interest rate for the same period.
At the same time, the restriction that two housing provident fund personal housing loans must be separated by more than 12 months is abolished.
In terms of supporting provident fund personal interest-subsidized loans, the notice mentioned that the scale of personal interest-subsidized loans will be increased by 2 billion yuan, and the scale of interest-subsidized loans will be appropriately increased according to demand.
In supporting provident funds to purchase housing loans in different places, the notice clarifies that the restrictions on the residence of employees who have paid deposits in other cities (prefectures) in the province to apply for housing provident fund personal housing loans in different places in Guiyang, Guiyang, will be cancelled.
The notice will be implemented from the date of issuance and will cease to be implemented on July 31, 2023. If the period involves policy adjustments at the national and provincial levels, the policy at the higher level shall prevail.
(Zhongxin Finance)
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