According to official website, the housing accumulation fund center of Chaozhou City, Guangdong Province, in order to strengthen the market expectation guidance, support the rigid and improved housing demand, optimize the real estate market environment, and promote the virtuous circle and healthy development of the real estate industry in Chaozhou City, on April 24th, the housing accumulation fund of Chaozhou City implemented five measures to promote the stable and healthy development of the real estate market.
In terms of the down payment withdrawal policy, the New Deal proposes that if an employee buys a house for the first time and it is a first-hand commodity house in this city, both husband and wife can withdraw the housing provident fund from the housing provident fund service window with relevant materials to pay the down payment for the house purchase.
According to the interpretation of Chaozhou Housing Provident Fund Center, the withdrawal of housing provident fund to pay the down payment can reduce the employees’ use of their own funds to pay the down payment and ease the pressure of buying houses. For example, the total price of a couple’s house purchase is 1.2 million yuan, and the total down payment is 240,000 yuan according to the minimum 20% down payment ratio, and the balance of the husband and wife’s provident fund account totals more than 200,000 yuan. According to the down payment withdrawal policy, after the husband and wife first withdraw the housing provident fund to pay the down payment of 200,000 yuan, they only need to use their own funds to pay the remaining 40,000 yuan down payment, which greatly reduces the burden on employees to purchase houses.
According to the regulations, the amount of the down payment withdrawn by the husband and wife or the joint property owner shall not exceed the amount of the down payment in the Commercial Housing Subscription Agreement or the amount of the down payment invoice.
The New Deal also proposes to cancel the restriction on the borrower’s domicile, and the borrower who applies for a first-hand commodity housing provident fund loan in Chaozhou with the National Certificate for the Use of Housing Provident Fund Loans in Different Places should cancel the requirement that at least one of the borrower or his spouse’s domicile must be in Chaozhou, and the loan amount and loan application conditions are the same as those of Chaozhou depositors.
At the same time, the implementation of rapid lending, real estate development enterprises can complete the mortgage filing in Chaozhou Housing Transaction Service Center with the applicant’s purchase contract and obtain the "Mortgage Filing Certificate", which can enter the provident fund lending process in advance.
The New Deal clearly stipulates that the limit on the deposit balance in the borrower’s account should be lowered, and the first-hand commodity housing in Chaozhou City should be purchased for the first time and the housing provident fund loan should be applied for for the first time. The maximum loan amount should not exceed 15 times of the total amount stored in the borrower’s housing provident fund account at the time of application, and it should not exceed 20 times of the total amount stored in the borrower’s housing provident fund account at the time of application. The current loan amount ceiling remains unchanged.
In terms of housing provident fund support policies for families with many children, first, the maximum amount of rental housing is increased by 20%. That is, taking the family as a unit, the maximum amount of withdrawal per household per year does not exceed 11,520 yuan. Second, if you purchase the first set of self-occupied housing and apply for housing provident fund personal housing loans, the maximum amount of loans for two-child families will be increased by 10%, and the maximum amount of loans for three-child families will be increased by 20%. Other loan conditions will still be implemented according to the Chaozhou Housing Provident Fund Personal Housing Mortgage Loan Measures.
According to the 2022 annual report of Chaozhou Housing Provident Fund, in 2022, the maximum amount of individual housing loans is 600,000 yuan. Among them, the maximum amount of individual housing loans for single employees is 400,000 yuan, and the maximum amount of individual housing loans for double employees is 600,000 yuan.
关于作者