Tangshan will increase the amount of provident fund loans from 15. In order to meet the rigid and improved housing needs of employees, Tangshan Provident Fund Center proposes to increase the maximum amount of loans and reduce the down payment ratio of second homes. Tangshan will increase the amount of provident fund loans from 15.

Tangshan will increase the amount of provident fund loans from 15. Tangshan Housing Provident Fund Management Center released a new policy on provident fund loans on the 4th, with the maximum amount of provident fund loans raised to 800,000, and the second down payment ratio lowered to 30%.

In terms of increasing the maximum amount of loans, the maximum amount of individual housing loans for single-and double-employee family housing provident fund was adjusted from 600,000 yuan to 800,000 yuan; Purchase passive ultra-low energy-consumption self-occupied housing with two-star and above green building standards, and the loan amount will increase by 20%, with the maximum loan amount of 960,000 yuan; The maximum loan amount of Tangshan Phoenix talents is 6,543,800 yuan;

The maximum loan amount for high-end innovative talents introduced from caofeidian area, China (Hebei) Pilot Free Trade Zone is implemented according to the original policy, and the maximum loan amount is 6.5438+0.2 million yuan.

In terms of reducing the down payment ratio of the second set, the minimum down payment ratio for employees to buy a second set of self-occupied housing is adjusted from not less than 60% to not less than 30%, and the loan interest rate is 1. 1 times the personal loan interest rate of the first set of housing provident fund announced by the People's Bank of China at the same time; Buying the first set of self-occupied housing still requires a down payment of not less than 30%. The adjustment will be implemented from March 15, 2022.

Increase the loan amount in several places.

According to incomplete statistics, since the beginning of this year, Guangxi, Quzhou, Zhejiang, Dongguan, Zhongshan, Henan, Xinxiang and other places have successively adjusted their policies and increased the amount of provident fund housing loans.

Specifically, the notice of the Housing Provident Fund Center of Quzhou City, Zhejiang Province on February 15 made it clear that if the first ordinary commodity housing is purchased in the administrative area of Quzhou City by using provident fund loans for the first time, the loan amount of the provident fund will be increased by 65,438+10,000 yuan on the basis of calculating the loanable amount (not exceeding the current maximum loan limit of the provident fund).

On February 25th, Guangxi District Housing Provident Fund Management Center issued a notice, clarifying that since March 1 day, employees and families have purchased the first set and applied for housing provident fund loans for the first time, and the maximum amount of housing provident fund loans has been raised from 600,000 yuan to 700,000 yuan. On the same day, Dongguan announced that the liquidity adjustment coefficient was adjusted from 0.8 to 1. According to the provident fund loan formula and the relevant regulations of Dongguan Provident Fund Management Center, the maximum loanable amount of the first local provident fund is raised from 720,000 yuan to 900,000 yuan.

On March 1, Zhongshan, Guangdong and Xinxiang, Henan notified to increase the amount of provident fund loans. Zhongshan clearly purchased the first suite and the second suite to apply for housing provident fund loans. The maximum amount of housing loans for one depositor is adjusted from the current 400,000 yuan to 500,000 yuan, and the maximum amount of housing loans for two or more depositors is adjusted from the current 800,000 yuan to 900,000 yuan. Xinxiang stipulates that the maximum loan amount will be raised from 300,000 yuan to 400,000 yuan if the housing provident fund is paid in full and on time.

Tangshan 15 will increase the amount of provident fund loans. 2 According to the official account of Tangshan Provident Fund WeChat, in order to promote the stable and healthy development of the real estate market, meet the rigid and improved housing needs of employees, and greatly reduce the cost of housing purchase for employees, Tangshan Provident Fund Center plans to increase the maximum loan amount and reduce the down payment ratio of second homes.

When employees buy a second set of self-occupied housing, the minimum down payment ratio is adjusted from not less than 60% to not less than 30%.

The down payment ratio of Tangshan second suite dropped to 30%

In terms of raising the maximum amount of loans, Tangshan Provident Fund Center pointed out that the maximum amount of individual housing loans for single-and double-employee family housing provident fund was adjusted from 600,000 yuan to 800,000 yuan.

The purchase of passive ultra-low energy-consumption self-occupied housing with two-star and above green building standards will increase the loan amount by 20%, with the maximum loan amount of 960,000 yuan. The maximum loan amount of Tangshan Phoenix talents is 6,543,800 yuan. For high-end innovative talents introduced from caofeidian area, China (Hebei) Pilot Free Trade Zone, according to the original policy, the maximum loan amount is 1.2 million yuan.

In terms of reducing the down payment ratio of the second set, Tangshan stipulates that the minimum down payment ratio for employees to buy a second set of self-occupied housing should be adjusted from not less than 60% to not less than 30%, and the loan interest rate is 1. 1 times the personal loan interest rate of the first set of housing provident fund announced by the People's Bank of China. Buying the first set of self-occupied housing still requires a down payment of not less than 30%. This adjustment will be implemented from March 15, 2022.

According to the data of the National Bureau of Statistics, the sales price of new commercial housing in Tangshan increased by 0.7% month-on-month and decreased by 1% year-on-year. The price of second-hand houses was flat, with a year-on-year decrease of 1.7%.

Nanchang raises the maximum amount of provident fund loans.

On March 4th, the official account of Nanchang Provident Fund WeChat reported that Nanchang Housing Provident Fund Management Center issued the Notice on Optimizing the Use Policy of Housing Provident Fund. According to the Notice, the maximum loan amount for employees with double contributions to provident fund is adjusted to 800,000 yuan, and that for employees with single contributions is 700,000 yuan. The current withdrawal amount for renting houses is increased to 1.500 yuan per month.

In terms of increasing the rental withdrawal amount, the current rental withdrawal amount in Nanchang (monthly 1.200 yuan in urban areas, monthly 1.000 yuan in Nanchang County, Jinxian County and Anyi County) will be uniformly raised to monthly 1.500 yuan, and single employees will be halved. The implementation time is from March 7, 2022 (inclusive), and the employees who have handled the annual rent withdrawal business in 2022 can make up the difference.

In terms of increasing the maximum amount of loans, Nanchang has raised the current maximum amount of housing provident fund loans (600,000 yuan for urban employees, 500,000 yuan for employees in a single deposit, 500,000 yuan for employees in Nanchang County, 400,000 yuan for employees in Jinxian County and Anyi County, and 300,000 yuan for employees in a single deposit) to 800,000 yuan for employees with double deposits and 700,000 yuan for employees with annual deposits.

The real estate market may gradually stabilize.

According to the incomplete statistics of china securities journal reporter, up to now, many cities such as Nanchang in Jiangxi, Xuancheng in Anhui, Dazhou in Sichuan, Dongguan in Guangdong, Zhongshan in Guangdong, Xinxiang in Henan, Quzhou in Zhejiang, Jinzhong in Shanxi, Tianmen in Hubei have raised their housing provident fund loan quotas.

According to the statistics of the Central Plains Real Estate Research Institute, in the first two months of this year, real estate-related control measures were introduced more than 100 times. It involves reducing the down payment ratio, lowering the mortgage interest rate, speeding up the pace of lending, and giving subsidies for buying houses. To promote the virtuous circle and healthy development of the real estate industry.

The brokerage research report pointed out that since 2022, the relaxation of real estate demand side can be divided into "two stages" and "three aspects". The first stage is from the beginning of this year to the middle of February, focusing on provident fund, housing subsidies and talent policy. The second stage, from February 17 to the present, mainly includes three aspects: First, the first down payment ratio was lowered in non-restricted cities, including Heze and Ganzhou; The second is to reduce mortgage interest rates, including Guangzhou, Suzhou, Nanjing, Hangzhou and Shenzhen; The third is to speed up the pace of mortgage, including Hangzhou and Chengdu.

Zhang Dawei, chief analyst of Zhongyuan Real Estate, believes that since 2022, real estate control policies have been released frequently. Up to now, nearly 20 cities have issued different down payment policies. The most typical policy content is the loose provident fund policy, talent subsidy and house purchase subsidy. It is expected that "housing and not speculation" will remain the policy tone of real estate regulation and control, and the real estate market may gradually stabilize due to the city's policy.

Tangshan will increase the amount of provident fund loans from 15. 3 According to the micro-signal "Tangshan Provident Fund" of Tangshan Housing Provident Fund Management Center in Hebei Province on the 4th, Tangshan issued a new provident fund loan policy, including raising the maximum amount to 800,000, and reducing the down payment ratio of the second suite to 30%. The adjustment will be implemented from March 15, 2022.

In terms of loan amount, Tangshan New Deal proposed that the maximum amount of individual housing loans for single-and double-employee family housing provident fund should be adjusted from 600,000 yuan to 800,000 yuan; Purchase passive ultra-low energy-consumption self-occupied housing with two-star and above green building standards, and the loan amount will increase by 20%, with the maximum loan amount of 960,000 yuan;

The maximum loan amount of Tangshan Phoenix talents is 6,543,800 yuan; The maximum loan amount for high-end innovative talents introduced from caofeidian area, China (Hebei) Pilot Free Trade Zone is implemented according to the original policy, and the maximum loan amount is 6.5438+0.2 million yuan.

In terms of down payment ratio, Tangshan New Deal made it clear that the minimum down payment ratio for employees to purchase a second set of self-occupied housing was adjusted from not less than 60% to not less than 30%, and the loan interest rate was 1. 1 times the personal loan interest rate of the first set of housing provident fund announced by the People's Bank of China in the same period; Buying the first set of self-occupied housing still requires a down payment of not less than 30%.

According to public reports, recently, Nanning in Guangxi, Zhongshan in Guangdong, Jinzhong in Shanxi, Yichang in Hubei, Zigong in Sichuan, Tianmen in Hubei, Xuancheng in Anhui, Nanchang in Jiangxi and other places have successively issued new provident fund policies, clearly relaxing the application and distribution policies of provident fund, including reducing the down payment ratio of second homes and increasing the loan amount.

For example, Nanchang increased the maximum amount of housing provident fund loans, and the number of double-paid employees increased to 800,000.

Xuancheng raises the loan ceiling of talent housing provident fund. For imported talents who apply the "Eight Measures on Further Accelerating Talent Gathering and Promoting High-quality Development of Key Industries", if it is determined that employees' families buy new commercial housing locally, the maximum amount of the first-time provident fund loan will be increased by 654.38+10,000 yuan on the existing basis.

Tianmen raised the loan amount of housing provident fund, and the maximum amount was adjusted from 400,000 yuan to 600,000 yuan. And broaden the scope of housing provident fund extraction, and implement the policy of mutual recognition and mutual loan of housing provident fund in Wuhan city circle.

Zhongshan clearly purchased the first suite and the second suite to apply for housing provident fund loans. The maximum amount of housing loans for one depositor is adjusted from the current 400,000 yuan to 500,000 yuan, and the maximum amount of housing loans for two or more depositors is adjusted from the current 800,000 yuan to 900,000 yuan.

Xinxiang stipulates that the maximum loan amount will be raised from 300,000 yuan to 400,000 yuan if the housing provident fund is paid in full and on time.

Jinzhong implements the standard of determining the number of housing units by the number of family provident fund loans: the first suite is a suite that has not used housing provident fund loans before applying for loans; One-time provident fund loan is used to purchase a house, which has been settled, and the second suite is recognized, and the interest rate rises 10%.

Earlier, Yan Yuejin, research director of the think tank center of Yiju Research Institute, told Zhongxin Jingwei that the number of cities with down payment ratio of provident fund loans has increased, which fully reflects that the current down payment ratio of provident fund loans has a greater stimulus or impact on the demand for improved home purchases, reflecting the policy orientation of Huimin.

Yan Yuejin believes that the downward adjustment of the down payment ratio of the provident fund further shows that the current liquidity pressure of the provident fund is not great. From the perspective of activating reasonable housing consumption demand, there will indeed be various easing policies. In addition, combined with the recent downward adjustment of the down payment ratio of commercial banks, it can be seen that second-and third-tier cities have begun to show signs of policy loosening, which can have a more substantial impact on market transactions and play a positive role in promoting the stable and healthy development of the real estate market in the future.