In addition, in order to improve the handling efficiency, cancel intermediate links, reduce loan information and reduce loan risks, if the borrower deposits employees for the provincial and Changqing oilfield sub-centers, the sub-centers will directly accept the approval of their provident fund loans.
Xi Housing Provident Fund Management Center said that it will strictly examine and approve provident fund loans and strengthen the qualification examination of loan applicants. It is understood that the content of this notice has been implemented since May 20 13 19, and the accepted individual housing provident fund loans are still approved according to the original policy, subject to the time when the loan application is entered into the housing provident fund business system.
According to relevant sources, the purpose of this new policy is to "promote payment with loans and set loans with loans", curb investment in speculative housing purchases, guarantee basic needs, and ensure the safe, orderly and efficient operation of funds.
Contents of the new provident fund policy
■ Suspend the purchase of houses outside Xi 'an (including Xixian New Area) and withdraw the provident fund.
■ Provident fund loan amount
& gt& gt The sum of the provident fund accounts of the borrower and spouse is more than 20,000 yuan;
Loan amount = (balance of the borrower's provident fund deposit account+balance of the spouse's provident fund deposit account) × 15 times× deposit time coefficient (if the accumulated deposit time is ≥36 months, the time coefficient is1.2; If the accumulated deposit time is less than 36 months, the time coefficient is 1).
& gt& gt The balance of the deposit account between the borrower and the spouse is less than 20,000 yuan;
If the total balance of the account is less than 5,000 yuan, the maximum loan amount shall not exceed 200,000 yuan.
5,000 yuan ≤ account balance < 1 1,000 yuan, and the maximum loan amount does not exceed 250,000 yuan.
10000 yuan ≤ total account balance < 20000 yuan, and the maximum loan amount does not exceed 300000 yuan.
(If the spouse's provident fund deposit is abnormal, the spouse's provident fund is not included in the calculation)
(The current provident fund loan amount is 18 multiplied by the account balance and then multiplied by the deposit time coefficient. The total amount of loans available for the New Deal has decreased. )
take for example
In the past, the maximum loan was 648,000, but now it can only be 540,000.
For example, Mr. Wang and his spouse have paid the provident fund for more than three years, and the account balance is 30,000 yuan. At present, the total loanable amount is 648,000 yuan, but since May 13, the total loanable amount is 540,000 yuan, and the loanable amount has decreased by108,000 yuan.
The balance of Mr. Wang and his spouse's provident fund account is less than 5000 yuan. At present, the maximum loan is 250,000 yuan, and the maximum loan is 200,000 yuan since May 13.
The balance of Mr. Wang and his spouse's provident fund account is ≥ 5,000 yuan but less than 1 1,000 yuan. At present, the maximum loan amount is 300,000 yuan, and the maximum loan amount is 250,000 yuan since May of 13.
The balance of Mr. Wang and his spouse's provident fund account is ≥ 10000 yuan but less than 20000 yuan. At present, the maximum loanable amount is 350,000 yuan, and the maximum loanable amount is 300,000 yuan from May of 13.
In other words, under the new policy, when the balance of the provident fund account is less than 20,000 yuan, the maximum loanable amount will be reduced by 50,000 yuan.
■ down payment ratio of provident fund loans
& gt& gt>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> &
The down payment ratio within the area of1.144m2 (inclusive) shall not be less than 35%.
2. The down payment ratio in areas above144 shall not be less than 40%.
& gt& gt After settling the first housing provident fund loan, apply for using the housing provident fund loan to purchase self-occupied housing again.
The down payment ratio within the area of1.144m2 (inclusive) shall not be less than 40%.
2. The down payment ratio in areas above144 shall not be less than 45%;
3. The third and above applications for housing provident fund loans will not be accepted. The down payment ratio for the purchase of finely decorated houses shall not be less than 40%.
Attachment: Current policy on down payment ratio of provident fund loans
& gt& gt>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> &
1. The down payment for the area within144m2 (inclusive) shall not be less than 25% of the total house price.
2. The down payment ratio for the area above144m2 shall not be less than 30% of the total house price.
& gt& gt After settling the first housing provident fund loan, apply for using the housing provident fund loan to purchase self-occupied housing again.
1. The down payment for the area within144m2 (inclusive) shall not be less than 30% of the total house price.
2. The down payment ratio for the area above144m2 shall not be less than 35% of the total house price.
(As long as employees pay in Xi 'an and buy houses outside Xi 'an and Xixian New Area, they can withdraw the provident fund. )
interpret
When will the liquidity risk prevention and control response of provident fund funds start?
When the personal loan interest rate meets the risk level conditions for three consecutive months, corresponding countermeasures will be initiated.
Prior to this, on April 10, Xi promulgated and implemented the Measures for the Prevention and Control of Capital Liquidity Risk of Xi Housing Provident Fund Management Center.
This method aims to implement the central positioning that "houses are used for living, not for speculation", further prevent and control the liquidity risk of housing provident fund funds, ensure the safe, orderly and efficient operation of funds, reasonably guide housing demand, guarantee basic demand, support improved demand, curb investment in speculative housing purchase, and promote the sustained, stable and healthy development of Xi real estate market.
The Measures for the Prevention and Control of Liquidity Risk of Xi Housing Provident Fund Management Center clearly stipulates that a liquidity risk prevention and control mechanism should be established and a three-level response should be implemented through comprehensive analysis of indicators such as individual housing loan rate (hereinafter referred to as individual loan rate) and net capital flow of housing provident fund, as well as judgment on the trend of supply and demand in the use of housing provident fund. When the personal loan interest rate meets the risk level conditions for three consecutive months, the corresponding countermeasures are initiated through comprehensive judgment.
First-level response:
The personal loan rate is between 85% and 90%
1. Stop buying houses in Xi 'an (including Xixian New Area) and withdraw the provident fund. 2. The loan amount of individual housing provident fund is linked to the deposit balance. If the balance of the provident fund (including spouse, the same below) is more than or equal to 20,000 yuan, the multiple will be reduced to15; If the deposit balance is less than 20,000 yuan, the loan amount will be reduced by 50,000 yuan according to the current regulations. 3. The down payment ratio of individual housing provident fund loans will be correspondingly increased by 10 percentage point on the basis of current regulations; The down payment ratio of finely decorated houses shall not be less than 40%.
Secondary response:
The personal loan rate is between 90% and 95%
1. On the basis of continuing to implement the relevant measures of the first-level response, it is suspended to withdraw the intergenerational mutual assistance of families who buy houses, that is, parents cannot withdraw their children's provident fund when buying houses, and children cannot withdraw their parents' provident fund when buying houses. 2. The loan amount of individual housing provident fund is linked to the deposit balance. If the balance of the provident fund deposit is more than or equal to 20,000 yuan, the multiple will be reduced to13; If the deposit balance is less than 20,000 yuan, the loan amount will be reduced by 50,000 yuan on the basis of the first-level response. 3. The down payment ratio of individual housing provident fund loans will be increased by 10 percentage point based on the first-level response.
Three-level response:
The personal loan rate is above 95%
On the basis of implementing relevant measures for secondary response, the liquidity of funds will be continuously monitored. When necessary, on the basis of ensuring the normal withdrawal of business, measures can be taken to wait for loan issuance to give priority to meeting the capital needs of the first and portfolio loan business.
The method is clear. After starting the risk prevention and control measures, it is necessary to strengthen the monitoring of various business indicators, pay attention to the direction of funds, and do a good job in data analysis. When the personal loan ratio drops to the next range and runs stably for three months, the liquidity situation will be comprehensively judged according to the development trend of capital supply and demand, and the coping level will be adjusted until the liquidity returns to normal. In the case of major adjustment of the provident fund policy, emergency measures can be taken to prevent liquidity risks when it is judged that liquidity is greatly affected by analyzing the supply and demand of funds. This group of manuscripts was written by Qing Rongbo, a reporter from Huashang Daily.
Today's recommendation:
1. Last week, the average residential price in Xi 'an was12,695 yuan/square meter, and the removal rate of 2368 suites was as high as 96%.
2.Xi 'an 1438 suite source registration, three sets of people broke the table, and two of them were in hot demand.
3. Six sets of 3.Xi 'an 1769, the price is 9354 yuan /m2, and the quality education disc of the East Second Ring Road will be bought.
4.Xi 'an 682 Suite is registered, with 2 registered people. Off the chart 1 Face 3 people to grab a suite.
5. A big wave of buying houses in Xi 'an is coming! 9 sets 1402 suites have entered the market, and the starting price of hardcover is 10620 yuan/㎡!
In the first week of June and April, both the transaction volume and the price of residential buildings rose, and the chemical conversion rate of the three projects reached 100%.
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