Hefei City Provident Fund Loan Policy Latest

Hefei: The maximum provident fund loan limit for first-time housing loans has been increased to 650,000 yuan

On June 11, according to the news released by "Hefei Release", Hefei City will further Improve housing provident fund loan policies.

It is reported that Hefei City has increased the maximum provident fund loan limit for first-time home loans. For families who purchase their first self-occupied house with a first-time housing loan, when applying for a housing provident fund loan, the maximum loan amount for one party with normal deposits is increased from 450,000 yuan to 550,000 yuan, and the maximum loan amount for both spouses with normal deposits is increased from 550,000 yuan. to 650,000 yuan.

In addition, the term of second-hand housing loans will be extended. If employees use housing provident fund loans to purchase second-hand houses, the age of the house shall not exceed 20 years, and the maximum term of the loan shall be 30 years. The loan period plus the age of the house shall be adjusted from a maximum of 30 years to a maximum of 40 years. The "Notice on Further Improving Housing Provident Fund Loan Policies, Alloy Management Office [2022] No. 1" will be implemented from the date of issuance and will be valid for 5 years.

The Hefei Municipal Housing Provident Fund Management Committee Office stated that the first housing loans in this policy adjustment include both housing mortgage loans issued by commercial banks and housing provident fund loans entrusted by the housing provident fund management agency.

In terms of determining the actual loan amount for provident fund loans, the Office of the Hefei Housing Provident Fund Management Committee stated that if employees continuously contribute to the housing provident fund within 1 year (including 1 year), the payment time multiple is 10 times; continuously If the housing provident fund is paid and deposited for more than 1 year and within 2 years (including 2 years), the payment time multiple is 15 times; if the housing provident fund is paid continuously for more than 2 years, the payment time multiple is 20 times. If the account deposit balance is less than 10,000 yuan, it will be calculated as 10,000 yuan. The current "repayment ability coefficient" is 0.5.

In terms of determining the number of housing units to be adjusted by the policy, the loan undertaking bank will determine the number of housing units based on the housing inspection results of the loan applicant and the *** family (including the person, spouse and minor children) in the real estate registration department of the place where the house is purchased. The identification standards include: if there is no other house besides the house to be purchased for the housing provident fund loan, it will be recognized as the first home; if there is only one other house besides the house to be purchased for the housing provident fund loan, it will be recognized as the second house; according to the Ministry of Housing and Urban-Rural Development, the People's Bank of China, etc. Ministries and commissions' regulations require that housing provident fund loans will not be granted to families of contributing employees who purchase a third or more homes. In addition, housing provident fund loans will not be granted to families of contributing employees who have used housing provident fund loans twice.

Adjustments to the Hefei provident fund system: the maximum loan limit is 20 times the account balance

The Hefei Municipal People's Government website reported on May 30 that Hefei City will improve the standards for determining the provident fund loan limit. Mainly reflected in three aspects.

The first is to implement the Ministry of Housing and Urban-Rural Development’s "Housing Provident Fund Personal Loan Business Standards" which stipulates that "the loan amount applied for should not be higher than a certain amount of the balance of the provident fund account of the borrower (including *** and the same applicant) multiple". Therefore, Hefei City’s loan limit is linked to the repayment ability and is calculated by simultaneously increasing the deposit balance by a certain multiple.

The second is to reflect the need for differentiated credit policies of the Provident Fund. While the loan limit is calculated based on a certain multiple of the deposit balance, a corresponding multiple is set based on the deposit period to further reflect the balance between deposit obligations and loan rights. Match, improve the rationality of system design, guide depositing units and individuals to standardize the initiative of paying and depositing housing provident funds, and promote the healthy development of the housing provident fund system.

The third is the experience of other cities. Referring to the fact that the account balance multiples of foreign centers are generally set between 10 and 20 times, combined with the loan liquidity risk of Hefei City and the needs of stable and sustainable development of loan policies, Hefei City multiples are formulated to be divided into 10, 15, and 20 times according to the payment time. Third gear. At the same time, the housing provident fund loan protection needs of low-income and younger groups will be taken into account. If the employee's deposit balance is less than 10,000 yuan, it will be calculated as 10,000 yuan.

Recently, the Hefei Housing Provident Fund Management Center issued the "Notice on Further Improving the Housing Provident Fund Loan Policy" (Draft for Comments) to solicit opinions from all walks of life. The "Notice" aims to further leverage the housing provident fund's housing security role, support the rigid housing needs of employee families, and adjust and improve some of Hefei's housing provident fund loan policies.

According to the "Notice", the maximum provident fund loan limit for first-time housing loans will be increased.

Among them, if a family takes a first-time housing loan to purchase their first self-occupied house, when applying for a housing provident fund loan, the maximum loan amount that can be borrowed by one party for normal deposits is increased from 450,000 yuan to 500,000 yuan, and the maximum loan amount for both spouses who make normal deposits is increased from 550,000 yuan. Yuan increased to 600,000 Yuan.

According to the "Notice", the term of second-hand housing loans will also be extended. Among them, if housing provident fund depositing employees use housing provident fund loans to purchase second-hand houses, the age of the house shall not exceed 20 years, and the maximum term of the loan shall be 30 years. The loan period plus the age of the house shall be adjusted from the maximum of 30 years to the maximum of 40 years. Year.

In addition, if the house purchased by the borrower has been signed online in the information system of the Hefei Housing Transaction Management Department before the date of implementation of the "Notice", the original housing provident fund loan policy will still be implemented.

Hefei Provident Fund Loan 2022 New Policy

Hefei City has not officially implemented the content of the new policy, and it is still implemented in accordance with the original system. The details are as follows:

1. Have Full capacity for civil conduct;

2. The borrower and his employer have paid the housing provident fund in full and on time for more than one year before applying for a loan;

3. The borrower must be a house purchaser The main property owner stipulated in the contract (agreement); the housing purchased is commercial housing within the Hefei area (the developer must have a mortgage business signing agreement with the management center and the entrusted bank), economically affordable housing, unit-funded housing, and existing housing. Live in public housing and second-hand housing with clear property rights and no real estate disputes;

4. Have a permanent residence in Hefei City or a valid residence status;

5. Have a legal housing purchase contract or other Valid supporting documents;

6. Provide a guarantee approved by the management center and the trustee bank;

7. The down payment ratio for purchasing a new ordinary commercial house should not be less than 30% of the house price; When purchasing a second-hand house that is less than 10 years old, the down payment ratio is not less than 30% of the house price. When purchasing a second-hand house that is more than 10 years old and within 20 years, the down payment ratio is not less than 60% of the house price;

8. Have stable career and economic income, good credit, and the ability to repay the principal and interest of the loan on time. The borrower's average monthly repayment shall not exceed 50% of his or her family income.

What is the maximum amount of Hefei housing provident fund loan?

The current maximum provident fund loan limit in Hefei is 550,000 yuan. Among them, both husband and wife pay the provident fund normally, and then apply for a loan to purchase the first home. The maximum amount is 550,000 yuan. If an individual applies for a provident fund loan to purchase a first home, the maximum loan amount is 450,000 yuan.

1. The provident fund loan amount is calculated based on the following conditions:

1. The applicant’s loan amount cannot be higher than 70% of the total price of the house purchased;

< p>2. The loan amount is not higher than the maximum loan amount stipulated by the center;

3. The applicant and his spouse can only enjoy one housing provident fund loan at the same time.

2. Conditions for applying for provident fund loans in Hefei

1. The loan applicant must pay and deposit the housing provident fund in full and normally for more than six months in a row.

2. The developer of the commercial housing purchased by the loan applicant must have a provident fund mortgage business contract (agreement) with the management center.

3. The loan applicant is permanently resident in this city, has full capacity for civil conduct, good credit, stable economic income and the ability to repay the principal and interest of the loan; the monthly repayment amount shall not exceed 50% of his/her family’s monthly income %.

4. The down payment when applying for a housing provident fund loan for the first home should not be less than 20% of the house price; the down payment when applying for a housing provident fund loan for the second house should be no less than 20% of the house price.

The loan interest rate is 1.1 times the first housing provident fund loan interest rate during the same period. Stop issuing housing provident fund personal housing loans to families of contributing employees who purchase their third or more homes.

5. If commercial loans are involved in portfolio loans, the down payment, number of loans, interest rates and other relevant regulations shall be implemented by the loan undertaking bank in accordance with the relevant regulations of the People's Bank of China.

6. Both the loan applicant and his wife have no outstanding housing provident fund loans.

7. The loan applicant must be the buyer of the house and the proportion of the property rights occupied shall not be less than 50% (inclusive).

Extended information:

The Hefei Housing Provident Fund Management Center implements one-stop review services. The business hall on the first floor is for loan application review, and the contract signing hall on the second floor is for signing loan contracts and handling related procedures.

When applying and handling the loan, both husband and wife must be present to sign the contract at the same time. If there are other *** property owners or people participating in the repayment, *** property owners or people participating in the repayment must also be present. At the scene, insurance is based on a voluntary principle, and it is up to the parties to decide whether to insure.