Families with multiple children can enjoy a 30% increase. Changchun Housing Provident Fund New Policy: Maximum loan amount of 900000 yuan | Housing Provident Fund | New Policy
According to the Housing Provident Fund Management Center of Changchun City, Jilin Province, on September 15th, Changchun City issued a notice on adjusting the housing provident fund personal housing loan policy in Changchun City. This notice will come into effect from the date of its publication.
The notice shows that the location of the house purchase is in the main urban area and development zone of Changchun City, and the maximum amount of a single loan with joint borrowers is 900000 yuan; The maximum amount of a single loan without co borrowers is 600000 yuan.
The location of the house purchase is in Shuangyang District and Gongzhuling City of Changchun City, and the maximum amount of a single loan with joint borrowers is 650000 yuan; The maximum amount of a single loan without co borrowers is 500000 yuan. The location of the house purchase is in Jiutai District, Dehui City, Yushu City, and Nong'an County, and the maximum amount of a single loan with joint borrowers is 450000 yuan; The maximum amount of a single loan without co borrowers is 300000 yuan.
The document shows that employees who deposit housing provident fund in the Railway Power Sub center and its affiliated branches, and purchase self occupied housing outside the administrative area of Changchun City, the maximum amount of a single loan shall be implemented according to the loan policy standards of the management center where the house is purchased.
The notice shows that for families with multiple children who have two or more children and are applying for housing provident fund loans for the first time, the maximum amount of a single loan can be increased by 30%.
The document also states that the loan amount shall not exceed the maximum amount of a single loan, and shall not exceed 20 times the sum of the housing provident fund account balances of the borrower and spouse when applying for housing provident fund loans.
For college graduates who meet the policies of promoting employment and entrepreneurship in Changchun City, and apply for housing provident fund loans for the first time to purchase self occupied housing in the main urban area and development zone of Changchun City, if the loan amount does not exceed 500000 yuan, they are not subject to the limit of multiple balance of the housing provident fund account.
For first-time applications for housing provident fund loans, the loan amount shall not exceed 80% of the value of the collateral; For the second application for housing provident fund loans, the loan amount shall not exceed 70% of the value of the collateral.
Employees who deposit housing provident fund in other management centers and purchase self occupied housing within the administrative area of Changchun City can apply for housing provident fund loans from other regions.
When the housing provident fund loan amount cannot meet their loan needs, they can apply for a commercial personal housing loan from the entrusted loan bank and apply for a housing provident fund commercial bank combination loan.