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Tianjin provident fund loan purchase second suite down payment ratio decreased to 20%

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

Recently, Tianjinhousing fundThe management center released a message saying that it would buy a provident fund loan.Second home down payment ratioFrom 30% to 20%, and apply for a portfolio loan, it must also meet the commercial bankPersonal housing loanRelevant regulations.

 The specific issues are as follows:

All districts and counties, committees (group companies), units in Tianjin:

According to the spirit of the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People’s Bank of China’s three ministries and commissions on the adjustment of the minimum down payment ratio for housing loans for individual housing loans (Jianjin [2015] No. 128), in order to support the reasonable housing needs of employees , the city's personal housing provident fund (combination) loan policy is now notified as follows:

If the employee family purchases the second set and other self-owned housing that meets the purchase conditions of the city, the minimum down payment ratio is reduced from 30% of the purchased house price to 20%. To apply for a portfolio loan, it is necessary to comply with the relevant provisions of the commercial bank's personal housing loan.

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

According to the notice issued by the four ministries and commissions such as the Ministry of Housing and Urban-Rural Development, starting from September, the households with one set of housing and having settled the corresponding purchase loans will apply for housing provident fund entrusted loans to purchase housing for the improvement of living conditions. Up to 20%.

At present, Beijing, Foshan, Harbin, Wuxi, Nanjing, Fuzhou, Jinan, Nanchang, Changchun and other cities have unconditionally implemented a minimum of 20% down payment for the second home provident fund loans. Chengdu, Qingdao, Wuhan, Dalian, Yinchuan, Yunnan and other cities will implement a conditional down payment of 20%. For example, Chengdu will pay a down payment of 20% for the first set of cleared provident fund loans, and for the second suite of unpaid funds. The implementation of a minimum of 40% down payment; Yinchuan for the settlement of provident fund loans, purchases in the Yinchuan area to give a 20% down payment; Yunnan for a family of housing and has settled the corresponding home loan to give a 20% down payment. Qingdao 2 down payment is only for new houses, second-hand houses need 60%; Dalian 20% down payment is only for houses below 90 square meters; Wuhan is for two suites below 144 square meters, and more than 144 square meters for two suites can not apply for provident fund loans. Guangzhou, Shanghai, Shenzhen, Haikou, Hangzhou, Hefei, Kunming, Ningbo, Suzhou, Chongqing and other cities have not lowered the down payment ratio of the second suite, and still implement a minimum of 30% down payment, of which Chongqing is the most strict, 40%.

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