COFCO Optical Building, Taojiang Chengxin Royal Garden, Taojiang Chuanghui Bamboo Sea Spring Breeze and other properties can be used.
Among the properties in Taojiang County, COFCO Optical Mansion, Taojiang Chengxin Royal Garden, Taojiang Chuanghui Bamboo Sea Spring Breeze, Taojiang Gushan Yipin, Taojiang Shanghai Beach Jiayuan, Taojiang Country Garden, Taojiang Phoenix Ruifu, Yuyue Fujin Garden, Wanji Seven-Star City, Dahan Longcheng, Dahan Longcheng Phase III Longyuntii and Oriental Changsheng Oriental New City can all be granted housing provident fund loans. After all, real estate developers also need funds to withdraw.
Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment. According to the regulations, employees who have paid the housing provident fund for a certain period of time or more (different years in different cities) can apply for provident fund loans when they have insufficient funds to buy or build houses or renovate or overhaul their own houses.
Over 20 cities support housing provident fund as down payment.
"Housing provident fund can be used as down payment" is becoming one of the contents in the policy toolbox of local property markets.
According to incomplete statistics, up to now, at least more than 20 cities such as Qingdao, Meizhou, Meishan, Mianyang, Shenyang, Zunyi, Ziyang, Shanwei, Zhuhai, Quanzhou, Nanping, Zhangzhou, Chaozhou, Huizhou, Zhongshan, Longyan, Ya 'an, Chizhou, Lu 'an and Huainan have mentioned that they can withdraw provident fund.
Take Meizhou, Guangdong as an example. Recently, Meizhou Housing Provident Fund Management Center announced the detailed implementation rules for employees to withdraw housing provident fund as the down payment for house purchase, and made it clear that employees and their spouses who deposit in Meizhou City to purchase commercial housing (or second-hand housing) within the administrative area of this Municipality can withdraw the provident fund as the down payment if they sign a house purchase contract with real estate enterprises (or go through the formalities of transferring the title certificate of immovable property with the seller).
Take Qingdao, Shandong Province as an example. On August 3rd, this year, the Qingdao Housing Provident Fund Management Center issued the Notice on Supporting Employees to Withdraw Housing Provident Fund to Pay the Down Payment for House Purchase, which clearly stated that those who purchase new commercial housing within the administrative area of Qingdao can apply for withdrawing the housing provident fund under the names of the buyers and their spouses to pay the down payment for house purchase. At the same time, the scope of the above policies will be relaxed in stages. If the first family-occupied housing is purchased within one year from the effective date of this notice, the purchaser and his immediate family members will be supported to withdraw the housing provident fund to pay the down payment for the purchase. The policy relaxation is valid from September 1 day, 2022 to August 3 1 day, 2023.
After the implementation of the New Deal, the policy effect began to appear. According to the data disclosed by Qingdao Housing Provident Fund Management Center on June 8th, 10, since the implementation of the new policy of 1 month to withdraw housing provident fund to pay down payment for house purchase, the Municipal Housing Provident Fund Management Center has handled the information filing of 352 real estate fund supervision accounts, * * * withdrawing housing provident fund to pay down payment for house purchase for employees, supporting rigid and improved housing demand, further guiding market expectations, boosting housing consumption and promoting the virtuous circle and healthy development of the real estate industry.
Also supporting the down payment of the provident fund is Huainan, Anhui. On May 24 this year, Huainan issued the Opinions on Promoting the Stable and Healthy Development of the Real Estate Market in the City, which also mentioned that the housing provident fund can be withdrawn to pay the down payment for the purchase of new commercial housing.
As of July 25th, the data released by Huainan Housing Provident Fund Management Center showed that since the implementation of the New Deal, Fengtai Sub-center of the Municipal Provident Fund Center has handled 12 loans to support employees to withdraw provident fund for the down payment of house purchase, with the amount of1445,000 yuan; 48 new loans with the amount of17.942 million yuan; * * * Support employees to purchase houses with an area of 0.54 million square meters, directly stimulating housing consumption of 33.4787 million yuan.
Jaco, dean of the branch of Anjuke Real Estate Research Institute, pointed out that in the past, if the provident fund in most cities needed to be withdrawn, it was usually used to repay the principal or offset the monthly payment after the loan was completed. It is clear that the provident fund can be used as the down payment for buying a house, which shows that the provident fund is more convenient to use and can play a greater role in releasing part of the deposited and long-term idle provident fund. In the actual purchase process, the ability to pay will be improved, and the pace of entering the market will be accelerated, especially for the first group that just needs it, and the utilization rate of the provident fund will be improved as a whole.
Chen Xiao, a senior analyst at Zhuge Housing Search Data Research Center, mentioned that from the perspective of urban distribution, third-and fourth-tier cities are the main cities that have introduced policies this time, supplemented by some weak second-tier cities. Third-and fourth-tier cities have experienced several rounds of policy loosening this year. In fact, the boost to the market is limited, and the market needs more substantial and powerful policy blessings. From the perspective of policy means, the provident fund policy, as an important means of policy adjustment this year, is an advanced process of policy loosening, from initially increasing the amount of provident fund loans and reducing the proportion of provident fund down payment to directly allowing the withdrawal of provident fund as down payment, which has given buyers greater support and released the policy orientation of more flexible and relaxed use of provident fund in the future. From the effect point of view, the policy is of great significance to appropriately reduce the purchase cost of buyers, further alleviate the financial pressure of buyers, and at the same time give more in-depth play to the supporting role of housing provident fund for buyers, boost buyers' home ownership sentiment and promote the release of rigid and improved housing demand.
What house can do provident fund loans?
Now more people need to apply for a loan from the bank to buy a house, and then repay it regularly every month. There are two ways to borrow money, one is through provident fund, and the other is through commercial loans. You know, not all houses can apply for housing provident fund loans. What kind of house can I apply for provident fund loans?
1. What house can be used for provident fund loans?
1, 70 years of commercial housing, as long as the developer and the provident fund management center signed a loan cooperation agreement, buyers can apply for provident fund loans. 2. Second-hand ordinary houses with real estate licenses or stock houses that can be listed and traded can apply for provident fund loans.
Two, some problems about provident fund loans
1. If you want to apply for provident fund loans, you must find out whether you meet the relevant conditions. If it is not satisfied, a lot of time may be lost before and after. Moreover, provident fund loans also have certain requirements for deposit time. For example, some places require continuous payment for more than 6 months and must be in the state of deposit. In some cities, such as Beijing and Guangzhou. , to pay more than a year.
2. The balance of the provident fund account also has a certain impact on the loan amount. For example, some cities will multiply the balance by 8 and then decide according to the retirement age. If the account balance is too small, the amount of application will be relatively low, which will naturally fail to meet the expected expectations and will also affect your plan to buy a house. Note that not all urban provident fund quotas are affected by account balances.
Generally speaking, there are many processes before and after the loan term, so the waiting time will be longer than that of commercial loans. The faster one may be done in a month, and the slower one may take more than two months.
Bian Xiao concluded: If you want to apply for provident fund loans, you must know clearly before. Some houses are allowed and some houses are not allowed to apply. Therefore, when choosing a real estate or buying a second-hand house, you need to pay attention to this aspect to prevent delaying your plan to buy a house.
This is the end of the introduction of real estate projects that support provident fund loans and houses that can apply for provident fund loans. I wonder if you have found the information you need?