Multi-site housing provident fund new policy was intensively introduced.
Southwest business daily
Multi-site housing accumulation fund
The new deal was intensively introduced
Reduce the pressure on home buyers and boost their home ownership mood.
On April 8, the provident fund policies in Beijing and Guangzhou have changed successively, and not long ago, the housing provident fund policies in many places in China have also undergone intensive adjustment and optimization.
At the same time, according to the incomplete statistics of the Central Finger Research Institute, as of April 7, 2024, about 70 policies related to provident fund have been issued in various places.
Beijing
Draw up a new housing provident fund policy
On April 8, Beijing Housing Provident Fund Management Center publicly solicited opinions on the Implementation Measures of Housing Provident Fund Supporting Green Development of Beijing Buildings.
# It points out that
01
For borrowers who apply for loans to buy two-star and three-star green buildings, the maximum loan amount will rise by 200,000 yuan and 300,000 yuan respectively.
02
For borrowers who apply for loans to purchase A(BJ), AA(BJ) and AAA(BJ) prefabricated buildings, the maximum loan amount will increase by 100,000 yuan, 200,000 yuan and 300,000 yuan respectively.
03
Support the use of loans to buy ultra-low energy buildings. For borrowers who apply for loans to buy ultra-low-energy buildings, the maximum loan amount will rise by 400,000 yuan.
The New Deal clearly defines the maximum floating amount of loans. For borrowers who meet multiple applicable conditions at the same time, the floating amount of the maximum loan amount can be accumulated, and the maximum floating amount can be 400,000 yuan, that is, the maximum loan amount does not exceed 1.6 million yuan.
Guangzhou
Raise the maximum amount of provident fund loans
On April 8, Guangzhou Housing Provident Fund Management Center issued a notice to adjust the maximum amount of loans for depositors to purchase self-occupied housing and apply for individual housing provident fund loans within five years from April 9, 2024.
# It points out that
01
If the housing provident fund loan is used to purchase self-occupied housing, the maximum amount of loan for one person is adjusted to 700,000 yuan, and the maximum amount of loan for two or more people to purchase the same set of self-occupied housing is adjusted to 1.2 million yuan.
02
If the owner-occupied housing is purchased by using the housing provident fund loan, and the purchased housing is a new one-star green building or a new prefabricated building, the maximum amount of the housing provident fund loan can rise by 10%.
03
If the owner-occupied housing is purchased by using the housing provident fund loan, and the purchased housing is a new green building with two or more stars, the maximum amount of the housing provident fund loan can rise by 20%.
The notice makes it clear that if the applicant meets the maximum amount of various floating housing provident fund loans in Guangzhou at the same time, the maximum floating ratio will be taken as the upper limit, and the floating amount will not be calculated repeatedly.
Many places in China
The new provident fund policy was intensively introduced.
Ordos
On April 1st, Ordos Housing Provident Fund issued a new housing provident fund policy.
The maximum loan amount for employees paid unilaterally is raised from 500,000 yuan to 600,000 yuan, and the maximum loan amount for employees paid by husband and wife is raised from 800,000 yuan to 1 million yuan;
High-level talents can borrow up to 2 million yuan; The maximum loan amount for purchasing green buildings will increase by 10%;
The maximum unilateral loan amount for a three-child family is raised from 600,000 yuan to 660,000 yuan, and the husband and wife are raised from 1 million yuan to 1.1 million yuan;
The multiple of the loan application amount is increased from 20 times to 25 times;
The minimum repayment amount of the borrower’s partial repayment in advance is reduced from not less than 20% of the total loan amount to 10%;
In addition, a combination loan of housing provident fund and commercial banks was introduced.
Suzhou
On March 31st, Suzhou issued the Notice on Adjusting the Policy of Using Housing Provident Fund.
Increase the amount of rental withdrawal; Allow parents to voluntarily withdraw provident fund to support their children to buy houses;
Continue to implement the policy of withdrawing housing provident fund to pay the down payment for new houses;
Relax the age limit of second-hand housing loans from 20 years to 30 years;
Continue to implement the maximum loan amount of 450,000 yuan for employees and 650,000 yuan for both husband and wife;
Continue to implement the policy of "business to public";
Continue to implement the "portfolio loan" policy.
Xiangtan
On March 29th, Xiangtan Housing Provident Fund Management Center issued the Notice on Adjusting the Deposit and Use Policies of Some Housing Provident Funds. From April 1, 2024:
Cancel the restriction that "flexible employees need to pay the basic old-age insurance premium for flexible employees for more than one year (inclusive) when paying the housing provident fund";
Increase the personal loan multiple in the loan amount calculation formula; Increase the amount of guaranteed loans;
Eligible full-time college graduates’ provident fund loan amount will increase by 30% according to the loanable amount;
The maximum loan amount for a two-child family will be raised to 800,000 yuan.
Qiannan prefecture
On March 29th, Qiannan Provident Fund Management Center issued the Notice on Optimizing and Adjusting Housing Provident Fund Policy in a Timely Way. From April 1, 2024:
Support college graduates to buy their own houses for the first time, and the loan amount can be increased by 10%, with a maximum loan amount of 550,000 yuan;
Support young talents to buy their own houses for the first time, with a maximum loan amount of 600,000 yuan;
Cancel the household registration restrictions on off-site provident fund loans;
Adjust the second-hand housing loan term and housing age, and the sum of the maximum years can reach 50 years;
Optimize the withdrawal of provident fund to settle the commercial housing loan business in part or in whole in advance;
Support unmarried children to purchase the first local self-occupied housing to withdraw their parents’ provident fund or parents to purchase the first local self-occupied housing to withdraw their unmarried children’s provident fund.
……
According to the incomplete statistics of the Central Finger Research Institute, as of April 7, 2024, about 70 policies related to provident fund have been issued in various places. According to the analysis of the insiders, optimizing the provident fund policy is still one of the main means to support the development of the real estate market and promote the release of demand in recent two years. The optimization and adjustment of the provident fund policy is conducive to reducing the cost of home ownership, reducing the pressure on home buyers and boosting their home ownership mood.
At the same time, it is worth noting that in the recent intensive adjustment and optimization of the housing provident fund policy, the subsidy for "low-energy housing" is undoubtedly a bright spot. According to the insiders, this green building, assembled building or ultra-low-energy building is undoubtedly a symbol of the improvement of housing quality. Increasing the support of provident fund loans to encourage buyers to buy green, low-carbon, intelligent and safe "good houses" will also help promote more development enterprises to build high-quality housing.
(The content of the article is integrated with media news such as Securities Times and Guangzhou Times)
Original title: "Intensive introduction of new housing provident fund policies in many places"
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