Detailed explanation of the proportion of Tianjin provident fund

Housing accumulation fund is a long-term housing deposit paid by employees of state organs, state-owned enterprises, foreign-invested enterprises, institutions and private units. It is a preferential policy adopted by the state to alleviate the pressure of buying houses. Simply put, residents will have certain benefits when buying a house. However, the proportion of provident fund in different regions will be different. Today, Bian Xiao will tell you about the proportion of Tianjin provident fund.

The proportion of the provident fund can be said to be used for loans. As for the specific amount, it depends on the region. The proportion of Tianjin's provident fund is lower than that of Beijing, but the proportion of Tianjin's provident fund was raised from 2065438 to May 25th, 2005, and the loanable base was greatly increased.

Tianjin provident fund ratio reduces down payment ratio

First of all, for the first-time buyers, under the premise that the housing area is less than 90 square meters, the first-time buyers only need to pay 20% of the house price to go through the purchase procedures; If the housing area is more than 90 square meters, you need to pay 30% of the house price to go through the purchase procedures. In addition, for the existing housing, people who want to buy a second house need to pay 50% of the house price before they can go through the purchase procedures. Compared with uncovered points, it is reduced by 10%-20%.

Increase the proportion of Tianjin provident fund and the maximum loan amount

In terms of loan amount, if a person borrows money to buy a house, it will increase from the original 400 thousand to 600 thousand, which means that he can apply for a loan of up to 600 thousand to go through the formalities of buying a house. Of course, if the husband and wife use the loan together, the loan amount will be increased to 800,000, which means that you can apply for a loan of 800,000 to go through the formalities of buying a house. The previous amount was 600,000 to 700,000.

The influence of the increase of Tianjin provident fund ratio

After the increase in the proportion of Tianjin provident fund, it will definitely ease the pressure of buying houses in Tianjin. From the perspective of reducing the down payment for buying a house, it can lower the basic standards for people to buy a house. To put it simply, to buy a 1 million house, you had to have 300 thousand in your hand before, but now you only need 20. From the perspective of increasing the loan amount, it is possible for the public to raise the housing selection standard. Simply put, the higher the loan amount, the better the selection conditions when choosing a house. Generally speaking, it is a good thing for Tianjin citizens to increase the proportion of provident fund.

To sum up, it is a detailed analysis of the proportion of Tianjin provident fund prepared by Bian Xiao for you today. I hope that through Bian Xiao's introduction, you will have a certain understanding of Tianjin Provident Fund and help you in your daily life.

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