Xining first suite loans provident fund loans

March 30th, two sets of mortgage down payment down to a minimum of 4 of the good news spread throughout the country, for many buyers, this is undoubtedly a good thing. For those who want to buy the first suite of Xining citizens, but also a good news coming from: since April 1st, the first payment of housing provident fund loans to buy the first suite down to 20%. March 31st, the reporter interviewed the relevant issues of public concern in the city housing provident fund center responsible person.

one problem: how to adjust?

– to apply for housing provident fund loans to buy the first set of ordinary commercial housing families, the proportion of the first payment down to 20%, the relaxation of the maximum loan period to 25 years.

– workers unit normal housing provident fund deposit of more than one year, I continuous full housing provident fund deposit 6 months (inclusive) above, can apply for housing provident fund individual housing loans.

– once in the off-site housing provident fund deposit, deposit in Xining housing provident fund management center staff of less than 6 months, the deposit time according to the original deposit issued by the housing provident fund management center of the deposit certificate or the normal transfer formalities with the calculation.

– to have 1 sets of housing and home loans have been settled respective families to purchase ordinary commodity housing to improve the living conditions of re apply for housing provident fund loans, the implementation of the first suite of housing provident fund loan policy.

– ordinary housing standards "to the State Council forwarded the Ministry of construction and other departments work on a stable housing prices views of the notice" (Guo Ban Fa 2005 No. 26) announced that the housing area shall prevail. In case of policy adjustments, according to the new standards.

three issues: how to handle the remote?

– the normal housing provident fund deposit workers, the purchase of owner occupied housing in the Xining area, in accordance with the conditions of housing provident fund loans, can apply for individual housing provident fund loans to Xining housing provident fund management center.

– the domicile of Xining area, employment in the province in accordance with the provisions of the normal housing provident fund deposit of more than one year of the workers, the purchase of the first set of owner occupied housing in the Xining area, can apply for individual housing provident fund loans to Xining housing provident fund management center.

– normal workers paid to buy second-hand housing, to apply for housing provident fund loans, the deadline to apply for housing provident fund loans and the purchase of second-hand housing properties adding up can be extended to 30 years.

four problems: the amount can be changed?

– the normal housing provident fund deposit and credit in good condition, and the housing needs of workers, comprehensive estimates of the housing provident fund deposit, income, housing price, Shoufu ratio and other factors, in line with the conditions of the loan can be based on the housing provident fund loans to the maximum amount of moderate rise floating ratio at 20% or less.

– for non malicious arrears adverse credit records of employees, objective evaluation of employees’ credit loans etc.;

Leave a Reply

Your email address will not be published. Required fields are marked *