Anhui Hefei provident fund New Deal: buy green building loans up 20%

Source: Hefei Housing provident Fund Management Center, Anhui Province

On October 7, Hefei Housing provident Fund Management Center in Anhui province issued a Notice on Further optimizing the policy on the use of housing provident Fund, which has been implemented since October 8.

Hefei City proposed to support the purchase of residential green buildings. If the depositor uses the provident fund loan to purchase a one-star and above residential green building (new commercial housing), the maximum loan amount shall be increased by 20% when calculating the maximum loan amount, and the loan amount shall not exceed the upper limit standard of the corresponding grade loan amount stipulated by the city.

The Hefei Housing provident fund Management center explained that the loan amount shall not exceed the stipulated upper limit of the loan amount of the corresponding grade, that is, the borrower and his spouse have paid the housing provident fund in full according to the regulations for more than six months, the maximum provident fund loan amount is 550,000 yuan, and the first set of first housing loan maximum provident fund loan amount is 650,000 yuan. In line with the policy, the maximum provident fund loan for the first set of housing loans for families with multiple children is 750,000 yuan; If the borrower unilaterally pays the housing provident fund according to the regulations, the maximum provident fund loan limit is 450,000 yuan, the maximum provident fund loan limit for the first set of first housing loan is 550,000 yuan, and the maximum provident fund loan limit for the first set of first housing loan in line with the policy is 650,000 yuan.

Hefei will also adjust the calculation base of provident fund loans. To support the rigid housing demand of new citizens and young people, Hefei housing provident fund contributors buy their first self-occupied housing in the city, and the rental withdrawal amount in the Hefei Housing provident Fund Management center is incorporated into the balance of the provident fund account to calculate the loan amount.

Extend the term of second-hand housing loans. The maximum loan term of second-hand housing provident fund is 30 years, and the sum of loan years and housing years is not more than 60 years. If the house is less than 10 years old, the down payment should not be less than 20% of the house price; If the house is more than 10 years old and less than 20 years old, the down payment is not less than 30% of the house price; If the house is more than 20 years old and less than 30 years old, the down payment is not less than 40% of the house price; If the house is more than 30 years old and less than 40 years old, the down payment is not less than 50% of the house price; The term of the house shall be subject to the real estate ownership certificate or relevant materials of the real estate competent department.

In terms of the withdrawal of provident fund, Hefei launched the "take" service measures to repay provident fund loans, commercial loans, and portfolio loans. The number of loan repayment withdrawals will be relaxed from once a year to once a month, and the depositor can withdraw the provident fund at any time when the accumulated withdrawal amount does not exceed the actual repayment of the principal and interest of the loan.

Expand the range of elevator extraction support. The scope of support for the depositor's withdrawal of provident fund for the installation of elevator withdrawal policy is relaxed to include the installation of elevators in the owner-occupied housing of myself, my spouse and both parents.

The depositor can apply for withdrawal of the provident fund every year according to different withdrawal types. If the family provident fund loan of the depositor is not settled, the original policy shall be implemented.

Hefei housing provident fund management center said that the policy involves a number of innovative measures. First, for the first time to adopt the green building housing provident fund loan support policy; Second, for the first time, the withdrawal of rental housing is included in the calculation of the balance of the housing provident fund; The third is to support the repayment of provident fund loans, commercial loans, portfolio loans three withdrawals "at will"; The fourth is to expand the scope of elevator extraction support to myself, spouses and parents of both parties to install elevators; Fifth, the depositor can apply for the withdrawal of the provident fund according to different withdrawal types every year according to his actual situation.