This municipality has a big move! The favorable policy for buying a house has arrived for personal housing | loans | municipalities directly under the central government

Optimizing housing policies in another hot city.

On August 11th, Chongqing further optimized the policy of using housing provident fund, which proposed to optimize the criteria for determining the number of housing units for housing provident fund replacement loans, support the direct payment of down payment for loan purchases by withdrawing housing provident fund, and support deposit in other places. New citizens and young people who purchase houses in Chongqing can apply for housing provident fund loans, increase the withdrawal limit for household rental housing of depositors, and so on.

According to Securities Times Securities China reporter, since August, many places have intensively introduced new policies for home purchases. Among them, many places such as Chifeng in Inner Mongolia, Quzhou in Zhejiang, Hainan Province, Zhengzhou in Henan, Huizhou in Guangdong, Fuyang in Anhui, Jinhua in Zhejiang, and Chongqing are involved in housing provident fund policies.

Chongqing optimizes the policy of using housing provident fund

On August 11th, the Chongqing Housing Provident Fund Management Center issued a notice on further optimizing the policy of using housing provident fund.

It is proposed to optimize the criteria for determining the number of housing units for housing provident fund replacement loans. Families of depositors without a record of personal housing loans for housing provident fund, who have only one outstanding commercial personal housing loan and only one house in Chongqing, can apply to exchange the outstanding commercial personal housing loan for a personal housing loan for housing provident fund.

At the same time, it is supported to withdraw housing provident fund and directly pay the down payment for loans to purchase a house. The depositor and their spouse who use commercial personal housing loans to purchase newly-built commercial housing in Chongqing can apply for withdrawal of housing provident fund and directly pay the down payment for the purchase. The withdrawal funds are entrusted by the depositor to the Municipal Housing Provident Fund Management Center and directly paid to the relevant project commodity housing transaction capital supervision account.

In addition, we support new citizens and young people to apply for housing provident fund personal housing loans. New citizens and young people who have paid for housing provident fund in other places and work, start businesses, and live in Chongqing can apply for personal housing loans with housing provident fund when purchasing a house in Chongqing.

In addition, there is a unified standard for determining the number of newly purchased housing units. If the depositor's family uses the housing provident fund personal housing loan to purchase a new house in Chongqing, they must verify the housing provident fund personal housing loan record and the number of housing units in the district and county where the proposed house is to be purchased.

In terms of rental support, it is also proposed to increase the withdrawal limit for households of depositors. For households of depositors who do not own or rent housing in Chongqing, the withdrawal limit for depositors in the central urban area will be increased to 1800 yuan/month per person, and 3600 yuan/month for both spouses; The withdrawal limit for depositors in districts and counties outside the central urban area has been increased to 1500 yuan per person per month, and for both spouses, it is 3000 yuan per month. At the same time, we will increase support for families with multiple child depositors to rent houses. For households with two or more children, the withdrawal limit for depositors in the central urban area has been increased to 2700 yuan/month per person, and for both spouses, it is 5400 yuan/month; The withdrawal limit for depositors in districts and counties outside the central urban area has been increased to 2250 yuan/month per person, and 4500 yuan/month for both spouses.

Intensive adjustment and optimization of housing policies in multiple regions

According to Securities Times Securities China, many regions have recently made intensive adjustments and optimizations to their housing purchase policies, many of which are housing provident fund policies.

On August 10th, Jinhua, Zhejiang Province issued 7 measures to promote real estate development. In terms of housing provident fund, the policy is to adjust the maximum loan limit for first and second home provident fund loans. The first home will be adjusted from the current 400000 yuan per employee and 800000 yuan per spouse to 500000 yuan per employee and 1 million yuan per spouse; The second set of housing has been adjusted from the current 250000 yuan per employee and 500000 yuan per spouse to 300000 yuan per employee and 600000 yuan per spouse.

On the same day, Fuyang, Anhui Province, introduced two new measures to optimize the withdrawal of housing provident fund. Among them, it was proposed that families of depositors who applied for housing provident fund loans for the first time in the jurisdiction of Fuyang City to purchase new commercial housing can apply for the withdrawal of housing provident fund from their own or spouse's account to pay the down payment for purchasing a house.

In addition, Huizhou, Guangdong Province proposed in the "Huizhou Housing Development Plan" that for those who purchase newly-built commercial housing, they are allowed to first withdraw their own and their spouse's housing provident fund to pay the down payment for the purchase of the house; Implement preferential policies for housing provident fund for high-level talents, etc.

On August 4th, the Henan Zhengzhou Housing Provident Fund Management Center issued a notice that starting from August 7th, when using housing provident fund loans to purchase a family's first or improved housing within the administrative area of Zhengzhou, the minimum down payment ratio for newly built commercial housing is 20%, and for second-hand housing, the minimum down payment ratio is 30%.

On August 3rd, Zhengzhou, Henan Province issued 15 policy combinations, launching the first shot in optimizing and adjusting housing policies. In terms of increasing the support for housing provident fund, it is proposed to timely introduce policies for housing provident fund withdrawal and loan support. For families who have two or more children and have one underage child, as well as families who use provident fund loans for the first time to purchase improved housing, differentiated preferential support policies will be implemented when withdrawing housing provident fund and applying for housing provident fund loans.

On the same day, Hainan Province issued a notice on the withdrawal of housing provident fund to pay the down payment for the purchase of newly-built commercial housing and affordable housing, supporting the withdrawal of housing provident fund for homebuyers and their spouses to pay the down payment for the purchase of a house. In the multiple measures introduced by Wuzhou, Guangxi to promote rigid and improved housing consumption, it is also proposed to increase the maximum amount of housing provident fund loans for families with multiple children and allow the provident fund to be used as pre purchase funds.

On August 1st, the Housing Provident Fund Management Center of Chifeng City, Inner Mongolia officially implemented the policy of "housing recognition but not loan recognition" by the Ministry of Housing and Urban Rural Development. When employees who have paid their housing provident fund apply for housing provident fund loans, they will no longer review the number of previous housing provident fund loans, but only review the number of "three land" housing units they own.

On the same day, Quzhou, Zhejiang Province also adjusted its housing provident fund policy, proposing support policies for retired military personnel's housing provident fund and loan policies for purchasing green and low-carbon commercial housing. It also increased the monthly repayment and withdrawal of housing provident fund for purchasing houses from other regions.