China News Service, September 23. The website of the Housing and Urban-Rural Development Bureau of Guangyuan City, Sichuan Province recently released the "2022 Favorable House Purchase Policy" to implement the housing provident fund support policy.
The age limit for provident fund loans is relaxed. For lenders with good personal credit and ability to repay, the loan period can be appropriately relaxed to 5 years after retirement (the loan period does not exceed 30 years).
Increase the limit of provident fund loans. The loan limit for single employees is raised from 500,000 yuan to 600,000 yuan, and the double-employee loan limit is raised from 700,000 yuan to 800,000 yuan.
Reduce the down payment ratio of provident fund loans. The depositor purchases the first ordinary self-occupied housing in the administrative area of Guangyuan City. When applying for a provident fund loan, the minimum down payment ratio is reduced from 30% to 20%, and the minimum down payment for the purchase of ordinary self-occupied housing again. The ratio has been reduced from 40% to 30%.
Adjust the method of determining the number of housing units. The record of housing provident fund loans is used as the basis for determining the number of housing units for housing provident fund loans. If there is no record of housing provident fund loans, the first-home loan policy will be implemented; if there is a housing provident fund loan record and the balance of the loan has been settled, the second-home loan policy will be implemented.
The flexible loan repayment method is implemented. Before the depositor's provident fund loan principal is settled, the depositor can apply for a one-time partial repayment of the provident fund loan principal in advance using the balance of the provident fund of himself and his spouse.
The same-city loan policy is implemented. The employees who have paid and deposited in different places have paid their housing provident fund for 6 months or more, and the personal housing provident fund account is in normal state. Buying self-occupied housing in Guangyuan City enjoys the same loan policy for local employees.
Those who purchase houses within the urban area of Guangyuan City can enjoy the financial subsidy policy.
Those who purchase the first new commercial housing will be given a financial housing subsidy of 100 yuan/square meter, with a maximum of 10,000 yuan per unit (excluding price-limited commercial housing); those who purchase new commercial housing again will be given a financial housing purchase of 150 yuan/square meter. The maximum subsidy for a single set is not more than 15,000 yuan (excluding price-limited commercial housing); for the purchase of newly-built commercial housing, a financial subsidy of 1% of the total housing price will be given; for the purchase of a newly-built garage parking space, the first one will be given 3,000 yuan/piece Financial subsidy, 5,000 yuan / piece of financial subsidy for re-purchase.
(Zhongxin Finance)