good news! The Fujian Provincial Direct Provident Fund can pay the down payment for a new house

　　Sino-Singapore Jingwei, April 1st. According to the WeChat account of the Fujian Provincial Housing Provident Fund Center on March 31, the housing provident fund can be withdrawn to pay the down payment for the purchase of new commercial housing.

　　It is reported that the Fujian Provincial Department of Housing and Urban-Rural Development issued the "Guiding Opinions on Further Optimizing the Down Payment of Housing Provident Fund for Employees Purchasing Newly-built Commercial Housing", which will

.

According to the spirit of the "Guiding Opinions", the Fujian Provincial Direct Housing Provident Fund Center has formulated detailed implementation rules, and

　　The Fujian Provincial Housing Provident Fund Center clarifies that if the following conditions are met, the employees (including co-owners) and their spouses can apply to the Provincial Provident Fund Center to withdraw the housing provident fund (including housing subsidies) in the provident fund account to pay the down payment for the purchase of a house payment.

　　The first is to purchase newly-built commercial housing (including co-ownership housing, price-limited housing and other allotment-type affordable housing) within the administrative region of Fuzhou.

　　The second is that the real estate development enterprise (hereinafter referred to as the development enterprise) that purchased the commercial housing has gone through the real estate registration formalities at the Provincial Provident Fund Center, and has signed the "Commitment Letter".

　　The third is to meet other conditions for the purchase of a house by the Provincial Provident Fund Center.

　　According to the case analysis provided by the Fujian Provincial Housing Provident Fund Center, Employee A is interested in a commercial house in a real estate company in the administrative area of ​​Fuzhou, and intends to buy a house in the real estate. The total price of the house is 3 million yuan, and the down payment for the purchase of the house is 30% of the total house price, or 900,000 yuan, needs to be paid. According to the original regulations, self-raised funds are required to pay the down payment. After the introduction of the new policy, employee A and his spouse can use the balance of the provident fund (including housing subsidies) account to pay the down payment directly.

　　If employee A's provident fund account balance is 300,000 yuan, spouse B's provident fund account balance is 150,000 yuan, housing allowance is 100,000 yuan, and both employee A and spouse B have paid in the provincial provident fund center, the 550,000 yuan can be used to pay directly Down payment for the purchase of the house.

It is understood that the real estate company has completed the real estate registration at the provincial provident fund center, and has signed the "Commitment Letter". Employee A and spouse B paid the difference between the amount of the down payment agreed in the contract and the proposed withdrawal of provident fund (ie 90-55=350,000 yuan). ), and signed the Commercial Housing Sales Contract with the real estate company.

　　Employee A and spouse B bring the signed "Commodity House Sales Contract", the invoice for the house payment, the ID card and the marriage relationship certificate, and go to the Provincial Provident Fund Center for the down payment for house purchase.

The employees signed the "Power of Attorney" on the spot, and after the staff of the Provincial Provident Fund Center reviewed the relevant materials, they transferred 550,000 yuan to the real estate company's pre-sale fund supervision account.

Within 15 working days after the transfer of the housing provident fund, employee A or the real estate company should submit the complete down payment invoice and real estate registration certificate to the provincial provident fund center.

　　The new policy satisfies the need for employees to directly use the balance of the provident fund account to the maximum extent, and employee A does not need to raise 550,000 yuan to pay the down payment, which greatly reduces the pressure on family purchase funds.

　　According to the announcement of Fujian Provincial Housing Provident Fund Center on March 4, as of February 28, 2022, the provincial housing provident fund center has collected a balance of 25.672 billion yuan, and the housing provident fund loan balance is 20.174 billion yuan. The utilization rate of housing provident fund loans was 78.58%.

　　Public reports show that the provident fund policies in many places have been "relaxed" recently, and the provident fund application and issuance policies have been clearly relaxed, including reducing the down payment ratio for second homes and increasing the loan amount.

　　Earlier, Yan Yuejin, research director of the Think Tank Center of E-House Research Institute, told Sino-Singapore Jingwei that the number of cities where the down payment ratio of provident fund loans has been reduced has increased, which fully reflects the current orientation of the reduction in the down payment ratio of provident fund loans, which will stimulate or affect the demand for improved housing purchases. , reflecting the policy orientation of benefiting the people.

　　Wang Jingwen, a senior macro researcher at China Minsheng Bank, pointed out that since 2021, measures such as marginal relaxation of purchase and loan restrictions, lower mortgage loan interest rates, and lower down payment ratios for housing loans have been introduced in many places.

It is expected that the focus of the real estate policy in 2022 will be support for reasonable housing needs, among which "new citizens" are the important support objects, and under the guidance of "policy by city", different cities may adopt policies such as credit and provident funds to support rigid demand and demand. Improvement needs are supported.

(Sino-Singapore Jingwei APP)