On July 18, this newspaper learned from the Housing Provident Fund Management Center of Tianshui City, Gansu Province that Tianshui City further relaxed the relevant policies on loans and withdrawals.
According to the New Deal, for those who apply for loans to buy the first set of self-occupied housing or two sets of improved housing in Tianshui, the maximum amount of employee loans paid in Qin Zhou and McKee districts is 600,000 yuan, and the maximum amount in Qin 'an, Gangu, Wushan, Qingshui and Zhangjiachuan counties is 500,000 yuan. If the loan applicant pays unilaterally, the maximum amount is 450,000 yuan in two districts and 350,000 yuan in five counties. At the same time, cancel the stop payment amount. That is, employees no longer need to keep the payment amount of 12 months when applying for a loan.
In addition, Tianshui further liberalized the "business-to-business" loan business.
The 202 1 annual report of Tianshui housing provident fund shows that the personal loan rate of Tianshui housing provident fund has exceeded the risk warning line of 85%, reaching 96.82%. In order to prevent and control the liquidity risk of housing provident fund, better protect the legitimate rights and interests of employees who pay housing provident fund, and ensure the safe operation of housing provident fund funds, the second-tier loan risk tightening policy was implemented on June 1 day. At the same time, suspend the "business-to-business" loan business; And according to the liquidity situation, the loan is to be issued (the first set is preferred).
On June 8 this year, Tianshui Housing Provident Fund Management Center also issued the Notice on Further Improving the Phased Support Policy of Housing Provident Fund, clarifying that employees who cannot repay their personal loans normally due to epidemic situation and other reasons will not be overdue, will not be penalized and will not be submitted to the credit reporting department as overdue records after being applied by the borrower and verified by the center.
At the same time, for employees who withdraw housing provident fund from renting houses, the amount of withdrawal from renting houses will be further increased. The withdrawal amount in Qin Zhou and McKee District will be increased to 20,000 yuan per year, and the withdrawal amount in five counties will be increased to 1.2 million yuan per year. Employees can choose the annual or monthly withdrawal method according to their actual situation.
How to obtain the maximum amount of provident fund loans
Many property buyers prefer provident fund loans when buying a house, and the policies of provident fund loans vary from place to place. Recently, many places have raised the maximum amount of provident fund loans. Everyone certainly wants to get the maximum quota, but it's not easy. How can I get the maximum amount of provident fund loans?
1. Is it the municipal management provident fund or the state management provident fund?
The loan requirements are different whether it is to pay the municipal provident fund or the state provident fund.
The loan amount of municipal provident fund mainly depends on the deposit amount, while the loan amount of state provident fund mainly depends on the balance. Specific consideration should be given to the local provident fund loan policy. The maximum amount of single application is low, and more provident fund is paid. The maximum amount of marriage certificate can be applied for is relatively high, and the provident fund paid by both parties is also relatively small.
Second, don't maliciously increase the deposit amount of the provident fund.
Before the loan application is signed face-to-face, the provident fund center will review the applicant's deposit records for the previous 12 months. If someone suddenly increases the amount of provident fund deposit before applying for a loan, the social security payment base will remain unchanged, and the provident fund center will review whether there is the possibility of fraudulent loans and may refuse the loan.
Third, the impact of personal credit records.
Due to geographical restrictions, the conditions of provident fund loans vary from place to place. Some cities, some cities, look at the credit when applying. If there are credit cards and student loans overdue in personal credit information, it is not a good thing for provident fund housing loans, which will inevitably affect the loan amount.
How to increase the loan amount of provident fund commercial loans
If you apply for a portfolio loan, the running water is twice the monthly payment, not only for the commercial loan, but also for the provident fund loan. Expressed by the formula, it means that the running water is ≥ 2 times of the total monthly repayment amount (provident fund commercial loan). Portfolio loan refers to the borrower who meets the conditions of individual housing commercial loan and pays the housing provident fund at the same time. When handling personal housing commercial loans, you can also apply for personal housing provident fund loans, that is, borrowers can use their own urban self-occupied housing (or other guarantee methods recognized by banks) as collateral, and at the same time apply for personal housing provident fund loans and personal housing commercial loans from banks. In short, I applied for both provident fund loans and commercial loans.
What are the precautions for applying for a portfolio loan?
1. Make full use of provident fund loans.
For buyers who choose a portfolio loan to buy a house, it is necessary to plan the loan amount when applying for a mortgage. Property buyers should make full use of provident fund loans, extend the loan term as much as possible, and shorten the commercial loan term to a great extent, so as to reduce the monthly repayment and save the loan cost. Only provident fund depositors can apply for portfolio loans. The so-called portfolio loan is the loan mode of "commercial loan provident fund loan", so to apply for this loan, the borrower must pay the provident fund in full and on time at the place where the house is to be purchased, and the provident fund account is still in a normal state of deposit.
2. Choose the repayment method that suits you.
Different repayment methods are suitable for different buyers. Buyers of portfolio loans need to choose a good repayment method before applying for a mortgage. When signing a loan contract with a bank, you must first understand these repayment methods and determine the repayment method that suits you, because once the repayment method is agreed in the contract, it is generally not allowed to change during the whole loan period.
3. Determine the loan amount
Before applying for portfolio loans, buyers need to determine their own loan amount, and then determine the amount of provident fund loans and commercial loans. The maximum loanable amount for applying for portfolio loans is determined from two aspects, namely, the maximum amount of provident fund loans and the maximum amount of commercial loans. The lower of the two is the final loanable amount of the portfolio loan. When applying for a portfolio loan, the provident fund loan amount cannot be changed once it is determined, so the loan applicant and spouse need to check the maximum loan amount at the provident fund management center.
How to obtain the maximum amount of provident fund loans
The loan amount of housing provident fund can only be determined by comprehensive calculation.
The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower.
The calculation method is as follows:
According to the repayment ability calculation formula, {(total monthly salary of the borrower, monthly payment of the housing provident fund of the borrower's unit) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan }× loan period (month), {(total monthly salary of both husband and wife, monthly payment of the housing provident fund of both husband and wife's work units )× repayment ability coefficient-total monthly repayment amount of both husband and wife's existing loan }× loan period (month). Among them, the repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution);
According to the calculation formula of house price, loan amount = house price × loan ratio, in which the loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage loans;
According to the account balance, if an employee applies for a housing provident fund loan, the loan amount shall not be higher than 10 times of the housing provident fund account balance when the employee applies for a loan (if the spouse housing provident fund is used to apply for a housing provident fund loan at the same time, it is the sum of the employee's and spouse's housing provident fund account balances), and if the housing provident fund account balance is less than 20,000, it shall be calculated as 20,000;
According to the maximum amount, the maximum loan amount for applying for housing provident fund loans with my own housing provident fund is 400,000 yuan, the maximum loan amount for applying for housing provident fund loans with my spouse's housing provident fund is 600,000 yuan, the maximum loan amount for applying for housing provident fund loans with my spouse's housing provident fund is 500,000 yuan, and the maximum loan amount for applying for housing provident fund loans with my spouse's housing provident fund is 700,000 yuan.
Housing provident fund is more flexible: increase the loan amount and simplify the handling process.
There have been new changes in the housing provident fund policy. Recently, the General Office of the State Council issued a document, emphasizing that the housing provident fund supports renting houses. In the same period, many cities across the country adjusted their housing provident fund policies: some increased the amount of provident fund loans; Some cancel the provision of "one of the two options of withdrawal and loan"; Some relax the scope of use of provident fund? According to experts' analysis, the adjustment of the provident fund policy can reduce the purchase cost of the just-needed groups, effectively boost market confidence, and promote the healthy development of the real estate market together with other "stable property market" policies.
Higher quota reduces the cost of property buyers.
Compared with commercial loans, the interest rate of housing provident fund loans is lower, so it is favored by many buyers. Take Beijing as an example. In 20021year, Beijing issued 94 154 individual housing loans, amounting to 72.399 billion yuan, up by 13.5% and 15.3% respectively. The interest rate is about 2 percentage points lower than that of commercial loans, which can effectively reduce the purchase cost of buyers.
In order to meet the new demand of buyers, this year, the amount of provident fund loans has been raised in many places across the country. Zhou Huan works in a logistics company in Ningbo, Zhejiang. Last year, he and his wife welcomed their second child. "Before Bauer was born, my wife and I had been renting a house with our boss. Now that I have a second child, it is inconvenient to rent a house. We are going to buy a suite in Ningbo. " Zhou Huan said, "This is in line with Ningbo's new policy this year. For families with two or three children, as long as the provident fund has been paid for two years, it is in line with the first loan of the provident fund and the first suite. It is good for us to increase the maximum loan amount from the previous 600,000 yuan to 800,000 yuan. " Jiaxing City, Zhejiang Province also proposed that if employees who normally pay housing provident fund apply for housing provident fund loans for the first time to buy the first family-occupied housing, the maximum loan amount for a single person will increase from 300,000 yuan to 400,000 yuan, and the maximum loan amount for two or more people will increase from 600,000 yuan to 800,000 yuan. Nanning, Guangxi, made it clear that from June this year 1, the maximum amount of the first-home provident fund loan was adjusted to 800,000 yuan, and the maximum amount of the second-home provident fund loan was adjusted to 700,000 yuan.
Some cities have adjusted the down payment ratio of housing provident fund loans. Linyi City, Shandong Province issued a new regulation, clarifying that if both husband and wife pay the housing provident fund in full and normally, the upper limit of the loan for purchasing self-occupied housing provident fund will be raised from the current 500,000 yuan to 600,000 yuan, and the down payment ratio of the second set of improved housing provident fund loans will be lowered from 40% to 30%. Jingzhou City, Hubei Province has also lowered the down payment ratio of second-home provident fund loans from 40% to 30%, and cancelled the provision that "individual housing provident fund withdrawal and loans can only be one of two choices" to expand the supply of provident fund funds for buyers.
Some cities have relaxed the construction period limit of housing provident fund loans. According to the new regulations implemented in Luzhou City, Sichuan Province in May 1, the construction period of the house purchased by employees' families shall not exceed 20 years, the sum of the house age and the loan period shall not exceed 40 years, and the loan period shall not exceed the remaining land use right period of the house purchased. Harbin City, Heilongjiang Province proposed to relax the loan age of second-hand housing provident fund from 20 years to 30 years, and the sum of the loan age and the loan age should not exceed 50 years.
"For the real estate industry, both consumers, developers and operators need a lot of money." Zhao Xiuchi, a researcher at capital university of economics and business Metropolitan Economic and Social Research Institute, said that relaxing the housing provident fund loan policy is conducive to consumers buying houses, reducing the cost pressure of developers and operators, thus achieving a virtuous circle and sustainable development.
More uses, more people benefit.
In addition to loans to buy a house, the housing provident fund can also be used to pay the rent of the house to meet the needs of renters.
Zhu Xiao rented a house with one bedroom and one living room in Yuzhong District, Chongqing, with a monthly rent of 1 0,000 yuan. "I heard from my colleagues that the provident fund can propose renting a house, so I applied." Zhu Xiao told reporters that the materials such as the Application Form for Withdrawing Provident Fund to Pay Rental Expenses and the Summary Form for Withdrawing Provident Fund in Batch by Units can be withdrawn from the local provident fund management center after being sealed by the unit. "I applied to withdraw more than 654.38+0 million, and I received it on the same day."
The reporter inquired about the "Regulations on the Management of Housing Provident Fund" and found that in addition to the ordinary purchase of self-occupied housing, the provident fund can also be used for the construction, renovation and overhaul of self-occupied housing.
In recent years, some cities have introduced new policies to clarify that employees can withdraw housing provident fund for the renovation of old communities. For example, Guizhou Province has issued a policy to support the families of employees whose living areas are included in the transformation of local old residential areas to withdraw housing provident fund for the renovation of houses such as installing elevators, strengthening housing structures, installing security facilities, repairing doors and windows, and indoor water (electricity, gas) pipes. From May last year to 65438+February, Guizhou Province * * * handled 124 withdrawals with an amount of 5 138300 yuan. The annual report of Changsha Housing Provident Fund 202/kloc-0 shows that in 202 1 year, Changsha Housing Provident Fund of Hunan Province * * * supported 290 working families to withdraw housing provident fund 1557. 10000 yuan for building elevators in existing houses and supporting the renovation of old residential areas. According to the annual report of Xiamen Housing Provident Fund 202 1, at the end of 20021,Xiamen City, Fujian Province supported the installation of elevators in old houses and the renovation of old elevators, and a total of *** 1326 housing provident fund was withdrawn, amounting to 6715190,000 yuan.
"The housing provident fund system was established to solve the housing problem. Whether renting a house or renovating an old community is to solve the housing problem, it is the proper use of the housing provident fund and conforms to the provisions of the Regulations on the Management of Housing Provident Fund. " Zhao Xiuchi said. However, due to the lack of detailed regulations and support for the extraction of housing provident fund for rental housing and the transformation of old residential areas, such as the expenditure on extracting rental housing exceeding 5% of income, the consumption of such provident fund is relatively low.
A few days ago, the General Office of the State Council issued "Opinions on Further Releasing the Consumption Potential and Promoting the Sustained Recovery of Consumption", proposing a reasonable increase in public consumption, emphasizing "supporting depositors to withdraw housing provident fund for rental housing, and continuing to support residents in old urban communities to withdraw housing provident fund for the renovation of self-occupied housing such as installing elevators". Experts believe that this will help to reasonably expand the scope of use of provident fund and bring more convenience to the public.
It is more convenient and contributes to the healthy development of the real estate market.
The procedures for handling the provident fund are becoming more and more simplified and convenient. After living in Foshan, Guangdong Province for more than a year, Li Jing quit her original job and went to work in Hangzhou, Zhejiang Province. Considering the housing demand, recently, she transferred the provident fund of her last work place to her existing account. "Click on the' Transfer and Continuation' in the' National Housing Provident Fund' applet, and you only need to fill in your personal information. It was successful in two days, but I didn't expect it to be so fast. "
Inquire about the balance of the provident fund, calculate the mortgage and transfer the provident fund funds in different places? In the second half of last year, the "National Housing Provident Fund" applet was put into operation. Depositors can do a lot of business on their mobile phones without leaving home. As of February this year, all localities have set up 6,460 offline special windows and online special zones 1364, and handled more than 23.3 million businesses through the whole process of online office, collection agency and joint office in the two places.
Experts believe that the recent adjustment of the housing provident fund system is conducive to promoting the healthy development of the real estate industry. "On the one hand, adjusting the provident fund policy has reduced the cost of buying houses for consumers and expanded the use of housing provident fund." Zhao Xiuchi said, "On the other hand, policy adjustment can have an impact on social expectations, which will help to increase consumers' confidence in the healthy development of the property market, which will expand effective demand and thus promote the sustainable development of the real estate industry. "In addition, most of the areas that have recently introduced new housing provident fund policies belong to second-,third-and fourth-tier cities. The property market in these areas is relatively depressed, and the introduction of new policies is conducive to promoting the development of the local real estate industry.
The reporter noted that in addition to adjusting the housing provident fund policy, since the beginning of this year, various "stable property market" policies have been introduced in many places across the country, covering reducing down payment, relaxing credit, reducing subsidy deed tax, and attracting talents to subsidize the purchase of houses. A few days ago, the People's Bank of China and the State Administration of Foreign Exchange issued the Notice on Doing a Good Job in Financial Services for Epidemic Prevention and Control and Economic and Social Development, which made it clear that differentiated housing credit policies should be implemented according to the city's policy, and the minimum down payment ratio and minimum loan interest rate requirements for commercial personal housing loans within its jurisdiction should be reasonably determined to better meet the reasonable housing needs of buyers.
How to ensure the sustained and stable operation of the real estate market? Ni Hong, vice minister of the Ministry of Housing and Urban-Rural Development, said that the long-term real estate mechanism will be implemented steadily to ensure the demand for rigid housing, meet the demand for improved housing, continue to stabilize land prices, house prices and expectations, and promote the virtuous circle and healthy development of the real estate industry.
Adjust the amount of provident fund loans in many places
Wuxi recently issued a document saying that if a registered family with two or three children in this city applies for provident fund loans for the first time to purchase the first set of self-occupied housing and both the borrower and spouse meet the loan conditions, the maximum loan amount will be adjusted to 6,543,800 yuan (previously 600,000 yuan). In addition, Ningbo, Zhuzhou, Suining and other places have also introduced a new provident fund policy to increase the amount of provident fund loans for families with many children.
Increase the loan amount
On April 25th, Wuxi Housing Provident Fund Management Center issued the Notice on Adjusting the Relevant Policies of Housing Provident Fund in this Municipality (hereinafter referred to as the Notice). If a registered family with two or three children in this city applies for provident fund loan for the first time to buy the first self-occupied house, the loan amount may not be linked to the borrower's provident fund deposit period and balance. If the borrower meets the loan conditions, the maximum loan amount can be adjusted to 600,000 yuan. If both the borrower and the spouse meet the loan conditions, the maximum loan amount will be adjusted to 6,543,800 yuan.
The "Notice" clarifies that if employees and their spouses do not own their own houses and rent commercial housing within the administrative area of this Municipality, each person will be raised to15,000 yuan per year. Cancel the restriction that the housing provident fund has been withdrawn due to the purchase, construction and overhaul of self-occupied housing, and the loan repayment record under the name cannot be used for renting.
In addition, if the borrower meets the loan conditions, he will apply for the provident fund loan for the first time to purchase the first set of self-occupied housing in Wuxi, and the maximum loan amount will be adjusted to 500,000 yuan; If both the borrower and spouse meet the loan conditions, the maximum loan amount will be adjusted to 800,000 yuan.
Ke Rui Research Center believes that the amount of provident fund loans in Wuxi has been adjusted and increased before. The maximum amount of personal first loan is 300,000 yuan, and the maximum amount of husband and wife loan is 600,000 yuan. The adjustment of Wuxi's provident fund loan amount has made it the first city in Jiangsu Province to link the provident fund loan amount with the multiple births policy.
According to the National Bureau of Statistics, the sales price index of new commercial housing in Wuxi rose by 0.2% month-on-month and 4.4% year-on-year. The second-hand housing sales price index rose by 0.5% month-on-month and 2. 1% year-on-year. In March, the sales prices of new commercial residential buildings and second-hand residential buildings in third-tier cities decreased by 0.6% and 1.9% year-on-year, respectively, which was 0.5 and 0.6 percentage points higher than that of the previous month. Wuxi is one of the third-tier cities with obvious rebound in house prices.
Previously, Ningbo, Zhuzhou, Suining and other places have introduced a new provident fund policy to increase the amount of provident fund loans for families with many children. Among them, the adjustment of housing provident fund loans and withdrawal policies introduced by Zhuzhou City is clear. According to the national policy, families with three children can apply for a housing provident fund loan of up to 800,000 yuan.
Provide housing subsidies
In addition to increasing the loan amount, Mianyang, Sichuan, Linze, Gansu, Hai 'an, Jiangsu and other places have also introduced policies to subsidize families with many children to buy houses.
Among them, Mianyang, Sichuan has introduced policies for families who have two or three children in line with the policy. Since the date of implementation of the notice, those who buy new commercial housing in Mianyang City (including Anzhou District) will be given financial subsidies per square meter of 200 yuan according to the construction area, with a maximum of 20,000 yuan for a single household. At the same time, development enterprises are encouraged to give special preferential treatment to families with two or three children on the basis of the highest preferential treatment. The amount of special discount does not include the recorded price below 15%.
Jaco, dean of the branch of 58 Anjuke Real Estate Research Institute, believes that the effect of giving preferential housing subsidies will vary from place to place. Some cities in the central, western and northern regions have relatively low housing prices, and the efforts to give some preferential housing prices are relatively greater, which has a more obvious effect on reducing the burden of buying houses and encouraging fertility.
Release the signal of stabilizing the property market
Statistics from the Central Plains Real Estate Research Institute show that since April, more than 50 cities including Quzhou, Qinhuangdao, Mianyang, Lanzhou, Dalian, Lishui, Suzhou, Nanning and Kunming have issued real estate control policies. Among them, there are more cities that adjust the amount of provident fund loans.
According to the Capital Securities Research Report, according to monitoring, since April, the sales area of key cities has dropped significantly year-on-year. Recently, the introduction of policies under the framework of urban policy has been significantly improved, and the scope of cities involved has been further expanded to some second-tier cities. Overall, the scope and intensity of easing are relatively limited.
Zhang Dawei, chief analyst of Zhongyuan Real Estate, said that adjusting the provident fund loan policy is still the main content of the recent property market regulation policy. The low amount of provident fund loans will not lead to speculation by buyers, and most provident fund users are just buyers. Adjusting the provident fund policy can give the market a signal to stabilize the property market.
"Since April, cities that have issued real estate control policies have shown a blowout trend, with the aim of promoting the release of just-needed and improved demand. Judging from the policy effect, the confidence of buyers in home ownership has not recovered, and the market activity is still insufficient. It is expected that more cities will accelerate the pace of policy adjustment. " Zhang Dawei said.