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Tianjin Provident Fund loans down two suites purchase down to 20%

Time: 2015-10-09         Source: Financial 360         Author: Aki

Recently, Tianjinhousing fundManagement Center released a message that the provident fund loans to buyTwo suites down payment ratioFrom 30% down to 20%, and apply for a combination of loans, both in line with commercial banksPersonal housing loansThe relevant provisions.

 Specific issued as follows:

All districts and counties, appoint (Group Company), in Tianjin Unit:

In accordance with the spirit of the Notice on Adjusting the Minimum Down Payment Ratio of Individual Housing Loans for Housing Provident Funds (Jianjin [2015] No. 128) issued by the Ministry of Housing and Urban-Rural Construction, Ministry of Finance and People's Bank of China, in order to support the reasonable accommodation needs of employees , Now the city personal housing provident fund (portfolio) loan policy as follows:

Employee families to buy the second set and other conditions in line with the purchase of own-home housing, the minimum down payment ratio from 30% of the purchase of housing prices reduced to 20%. Apply for a portfolio loan, which must be consistent with the relevant provisions of the commercial bank personal housing loans.

This notice shall come into force on September 1, 2015 and be repealed on August 31, 2020.

According to the four ministries and commissions such as the Ministry of Housing and Construction issued a circular, from September on to have a set of housing and have settled the corresponding purchase loans of the residents families, to improve living conditions re-apply for housing provident fund loans to buy housing, the minimum down payment ratio To 20%.

At present, Beijing, Foshan, Harbin, Wuxi, Nanjing, Fuzhou, Jinan, Nanchang, Changchun and other cities have unconditionally executed two sets of housing provident fund loans down 20% down payment. Chengdu, Qingdao, Wuhan, Dalian, Yinchuan, Yunnan and other cities are conditional down payment 20%, such as Chengdu for the first set of settled provident fund loans to give 20% down payment, but did not close the fund loan two suites, The implementation of the minimum 40% down payment; Yinchuan has settled the provident fund loans, purchase Yinchuan area to give 20% down payment; Yunnan has 1 set of housing and has settled the corresponding purchase loans to families given 20% down payment. Qingdao 2 down payment only for new homes, second-hand housing required 6 percent; Dalian 2 percent down payment for only 90 square meters below the house; Wuhan is for 144 square meters below the second suite, more than 144 square meters of second suites can not apply for provident fund loans. Cities such as Guangzhou, Shanghai, Shenzhen, Haikou, Hangzhou, Hefei, Kunming, Ningbo, Suzhou and Chongqing have yet to reduce the down payment for the second-suites and still implement the minimum down payment of 30%. Among them, Chongqing is the most stringent, 40%.

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