Financial NetworkOn April 10, the Housing Provident Fund Management Center of Zhoukou City, Henan Province announced that it would increase the maximum loan amount of the provident fund. If the loan has been paid off and the provident fund loan is used to purchase new commercial housing, both husband and wife pay the provident fund loan to purchase a house, and high-level talents introduced by the city use the provident fund loan to purchase new commercial housing, the maximum loan amount of the provident fund is increased to 600,000 yuan. And adjust the second set of housing identification standards. The identification criteria for the first and second homes are adjusted from the original “recognition of the house and subscription of the loan” to the registration content of the personal housing information inquiry form issued by the real estate center where the household registration is located.
In addition, the household registration restrictions on loans will be cancelled. If the provident fund is deposited in another place and the local house buyer in Zhoukou applies for a provident fund loan, the household registration in the Zhoukou jurisdiction is required to be adjusted to not be restricted by the household registration.
Full text below:
Recently, in order to better meet the housing purchase needs of the housing provident fund depositors and accelerate the establishment of a housing system that promotes both rental and purchase, the Municipal Housing Provident Fund Management Center has released a number of housing provident fund policies to support the stable and healthy development of the real estate market.
1. Withdrawal of housing provident fund. 1. Relax the time limit for house purchase withdrawal. The number of years for applying for the purchase of a house and withdrawing housing provident funds with a real estate title certificate and a recorded house purchase contract has been uniformly adjusted from one year or less to less than three years. 2. Relax the scope of withdrawal for house purchases. Expand the scope of housing provident fund withdrawals to “immediate family members (spouse, parents, children)”. 3. Increase the withdrawal amount for renting a house. For those who rent public rental housing in this city and sign a lease contract to withdraw housing provident funds, the withdrawal amount shall not exceed the actual rent paid; if there is no lease contract or the lease contract has not been registered and filed, the withdrawal limit shall not exceed 6,000 yuan per person per year.
Second, housing provident fund loans. 1. Increase the maximum loan amount. If the loan has been paid off and the provident fund loan is used to purchase new commercial housing, both husband and wife pay the provident fund loan to purchase a house, and high-level talents introduced by our city use the provident fund loan to purchase new commercial housing, the maximum loan amount of the provident fund is increased to 600,000 yuan. 2. Launched the “housing provident fund + commercial bank” combination loan business. 3. Adjust the criteria for identifying the second set of housing. The identification criteria for the first and second homes are adjusted from the original “recognition of the house and subscription of the loan” to the registration content of the personal housing information inquiry form issued by the real estate center where the household registration is located. 4. Shorten the lending time limit. The lending time limit for provident fund loans is adjusted from the original five working days to three working days following obtaining the real estate (pre-announcement) mortgage certificate. 5. Cancel the household registration restrictions on loans. If the provident fund is deposited in another place and the local house buyer in Zhoukou applies for a provident fund loan, the household registration in the Zhoukou jurisdiction is required to be adjusted to not be restricted by the household registration.
Three, intensify efforts to benefit enterprises. The entry standards for real estate filings have been lowered. When real estate development companies handle the filing and access of multi-storey residential buildings, the requirements for the progress of the main structure project will be adjusted from the original “completion of the main body capping” to “reaching 2/3 of the main structure”.
In the next step, the Municipal Housing Provident Fund Management Center will intensify policy publicity, conscientiously implement various policies that benefit the people and enterprises, and maximize the role of housing provident funds in benefiting the people’s livelihood and promoting development, so as to help depositors realize their dreams and live in peace, and promote the city’s real estate market Steady and healthy development contributes to the strength of the provident fund.