Jiangmen City, Guangdong Province
On February 23, 4 items of the Jiangmen Housing Provident Fund Management Center in Guangdong ProvinceProvident fund to benefit the peoples new policies.
Jiangmen optimizes the standard for the number of housing housing sets of housing funds.Employees who meet one of the two conditions, perform the first home housing provident fund loan standard: (1) Family members of the employees (including borrowers, spouses, and minor children, the same below) have no housing provident fund loan records nationwide;) Employee family members have a record of housing provident fund loans nationwide and have settled the loan. There are no complete houses in the administrative area of Jiangmen City when applying for a loan.
The standard of housing housing provident fund loan standards: employees and family members have a housing provident fund loan record nationwide and settled the loan.There are sets of houses.
Jiangmens members who have used housing provident fund loans two or more housing provident fund loans have been used twice nationwide, and will not issue housing provident fund loans.Before February 22, 2024, the loans of the housing provident fund that have not been issued and approved have been implemented in accordance with the original standards.
Jiangmen City Housing Provident Fund Loan Calculation Standard Optimization Form
Jiangmen improves full renovationThe highest loan amount of new commercial housing housing provident fund.If an employee purchases a full renovation of new commercial housing in Jiangmen City and meets the conditions of housing provident fund loans, one person applies for the highest loan amount to increase by 80,000 yuan on the basis of the maximum loan amount of the housing provident fund in Jiangmen City.The city housing provident funds maximum loan amount increased by 160,000 yuan.That is to say, if the two people buy a full renovation new commercial house, the highest loan amount of the first house can reach 760,000 yuan, and the maximum loan amount of the second house can reach 660,000 yuan.
Jiangmen Full Restoration of the New Commercial Housing Provident Funds highest loan amount adjustment comparison table (unit: 10,000 yuan)
In terms of adjusting the proportion of down payment and loan term of the housing housing provident fund loan loan, the completion time of Jiangmen is more than 10 years and within 30 years (inclusive).35%; the completion time is more than 30 years, and the minimum down payment ratio is not less than 45%of those with higher evaluation and transaction prices.If the completion time is more than 10 years, the loan period is up to 20 years and the loan period and the sum of the age of the building must not exceed 40 years.It should be noted that the purchase of housing with a purchase completion time is more than 20 years, and the proportion of down payment ratio of provident fund loans is reduced.Before February 22, 2024, the unreasonable housing provident fund loans have been approved by the original policy.Jiangmen Stock Housing Provident Fund Loan Payment Personance and Loan Term Adjustment Table
In addition,Jiangmen Housing Provident Funds Talent Policy is for talents of the provinces talents, Youyue Card.After reaching the national legal retirement age, if the retirement procedures are still working in Jiangmen City, the housing provident fund can be paid until the labor relationship is lifted.
Talents have continuously paid the housing provident fund in Jiangmen City for 3 months. I and their spouses have no their own housing in Jiangmen City and renting their housing.During the validity period of the card, the housing provident fund is withdrawn every half a year to pay the rent.
Talent purchases the first and second self -occupied housing in Jiangmen City, and the maximum loan amount of housing provident fund increases moderately. Among them, the holding of the talent Youyue Card A card, the maximum loan amount of the housing provident fund is 5 times that of the highest loan amount of the housing provident fund in Jiangmen City; after the adjustment, the maximum loan amount of the first house or above can reach 3 million yuan; Holding talent Youyue Card B card, the maximum loan amount of housing provident fund is twice the highest loan amount of the housing provident fund in Jiangmen City.When the housing provident fund loan of Jiangmen City implements the waiting lending, the housing provident fund loan is issued priority, and there is no need to participate in the waiting lending.
Jiangmen holding talent Youyue Cards talent housing provident fund loan quota adjustment list (unit: 10,000 yuan)
