Xiaogan City, Hubei Province: It is the first time to apply for a provident fund loan to buy a house, and the loan amount is raised to a maximum of 6, yuan.

On October 24th, The Paper learned from official website, Xiaogan Housing Provident Fund Center in Hubei Province that the adjusted housing provident fund use policy will be implemented on October 24th.

According to the Notice on Adjusting the Use Policy of Housing Provident Fund issued by Xiaogan Housing Provident Fund Management Committee on October 19th, Xiaogan City has increased the loan amount, reduced the down payment ratio and expanded the scope of business-to-public transfer.

specifically, in terms of loan amount, "the maximum loan amount can be 5, yuan if the borrower applies for using provident fund loans to buy self-occupied housing in Xiaogan for the first time, and 4, yuan in other cases" is adjusted to "the maximum loan amount can be 6, yuan if the borrower applies for using provident fund loans to buy self-occupied housing in Xiaogan for the first time, and 5, yuan in other cases".

in terms of loan ratio, Xiaogan city's "the minimum down payment ratio of the purchased house belongs to the first set of self-occupied houses is 3% of the total price of the purchased house, and the loanable amount is 7% of the total price of the purchased house" is adjusted to "the purchased house belongs to the only self-occupied house, and the minimum down payment ratio of the first loan is 2% of the total price of the purchased house, and the loanable amount is 8% of the total price of the purchased house".

"If the purchased house belongs to the second self-occupied house or applies for housing provident fund loan for the second time, the minimum down payment ratio of the loan is 4%, and the loanable amount is 6% of the total price of the purchased house" is adjusted to "If the purchased house belongs to the second self-occupied house or applies for housing provident fund loan for the second time, the minimum down payment ratio of the loan is 3%, and the loanable amount is 7% of the total price of the purchased house".

regarding the object of commercial loans to the public, Xiaogan Municipal Public Management Committee indicated that the object of commercial loans to the public is limited to the main borrower of the original commercial loans in Chapter II of the Interim Measures for the Administration of Commercial Personal Housing Mortgage Loans to Housing Provident Fund Loans in Xiaogan City (No.5 [222] of Xiaogan Municipal Public Management Committee). If the principal borrower of the original commercial loan did not pay the housing provident fund, and the spouse paid the housing provident fund, it is impossible to apply for the business-to-public loan. As a result, in the actual process of handling, the principal borrower of many employees' families did not pay the housing provident fund, and the spouse paid the housing provident fund, but failed to handle the business of business-to-public loan.

This time, the city's personal loan rate continues to run at a low level. At the same time, due to the epidemic situation, the current downward pressure on the economy has increased, and the housing consumer market has cooled significantly. In order to improve the efficiency of the use of housing provident fund, the repayment pressure of some commercial loan workers' families has been alleviated. Expand "the original commercial loan principal borrower must be himself" to "the original commercial loan principal borrower is himself or his spouse", which can be handled if it meets the loan conditions.

The New Deal is adjusted to "Any employee who has established a housing provident fund account in the provident fund center for six months or more and has paid the housing provident fund in full for six months or more continuously, and stopped paying the paid employee for no more than six months continuously before applying for a loan, and his or her spouse has purchased a self-occupied house in Xiaogan City and applied for a personal housing commercial loan, he or she can apply for a business-to-public loan in the name of the paid employee himself".

in terms of withdrawal policy, Xiaogan city's "lease housing, the annual withdrawal amount shall not exceed the actual rent paid, with a maximum of 12, yuan" is adjusted to "lease housing, with an annual withdrawal amount not exceeding the actual rent paid, with a maximum of 15, yuan".

On March 15th, seven departments, including Xiaogan Housing and Urban-Rural Development Bureau, Municipal Provident Fund Center and Municipal Finance Bureau, jointly issued the Notice on Promoting the Stable and Healthy Development of the Real Estate Market in Xiaogan Central City, which involved four policies in the adjustment of provident fund loan policy: canceling the restriction on the household registration of the loan target, the loan ratio and quota of the first and second loans, and early repayment of provident fund loans.

The Notice clarifies that on March 15, 222 and March 14, 223, 1% subsidy will be given to the purchase deed tax for newly-built commercial housing with the purchase area not exceeding 144 square meters; The loan amount for the first set of self-occupied housing is 7% of the total price of the purchased housing, and the maximum loan amount for the first application for filial piety is 5, yuan; For the second set of owner-occupied housing or the second application for housing provident fund loan, the loan amount is 6% of the total price of the purchased housing.

In addition, the restriction on the household registration of provident fund loan targets is abolished, and all employees who meet the conditions of provident fund loans can apply for housing provident fund loans, in which the down payment ratio of the first suite is adjusted to 3% and the second suite is adjusted to 4%. Those who purchase new commercial housing will reach the delivery date agreed in the commercial housing filing contract and enjoy the equal compulsory education policy for citizens.

Strictly implement the pre-sale price filing system for newly-built commercial housing, guide development enterprises to reasonably determine the average selling price, implement the price publicity and the "one-price settlement" system, and stabilize the price of commercial housing.

According to the Operation of Xiaogan Urban Real Estate Market from January to September 222 issued by Xiaogan Housing and Urban-Rural Development Bureau on October 17th, 6,48 sets of newly-built commercial houses in Xiaogan were approved for pre-sale, with an approved pre-sale area of 83,8 square meters, down 23.68% from the previous month and 73.11% from the same period last year. Among them, 5,621 sets of new commercial housing were approved for pre-sale, and the approved pre-sale area was 651,3 square meters, down 15.9% from the previous month and 61.19% from the same period last year. There were 35 cases of land supply for real estate development, with a total area of 121.94 hectares, up 1.84% year-on-year; Among them, there were 21 cases of residential land supply, with a total area of 66.66 hectares, a year-on-year decrease of 15.29%.

7158 sets of newly-built commercial houses were sold in Xiaogan, with a sales area of 871,5 square meters, down 65.6% from the previous month and 76.65% from the same period last year; Among them, 6,279 sets of new commercial housing were sold, with a sales area of 736,6 square meters, down 65.97% from the previous month and 79.69% from the same period last year. 1396 sets of stock houses were sold, with a transaction area of 17,1 square meters, down 76.55% from the previous month and 78.66% from the same period last year; Among them, 1,366 sets of stock houses were sold, with a transaction area of 147,5 square meters, down 76.55% from the previous month and 78.62% from the same period last year.

by the end of September, 222, 2,761 unsold commercial housing units with an area of 2,359,3 square meters had been approved for pre-sale.