Leju Housing News Xiamen Housing Provident Fund Center issued a notice on the use rate of housing provident fund loans.
As of January 31, 2022, the balance of housing provident fund in Xiamen was 51,498,521,700 yuan, the balance of housing provident fund loans was 49,689,310,000 yuan, and the utilization rate of housing provident fund loans was 96.49%.
According to the latest loan utilization rate in Xiamen of 96.49%, the coefficient is 0.6, according to the latest provident fund policy: the maximum loan amount of the first application for the housing provident fund = 1.2 million yuan×0.6 = 720,000 yuan; The maximum loan amount for the second application for housing provident fund = 600,000 yuan× 0.6 = 360,000 yuan
At present, Xiamen mortgage interest rate is the implementation of LPR (interest rate 4.60%) plus point model, Leju called several mainstream banks in Xiamen to understand the latest situation: Xiamen major banks are the implementation of LPR, of which, the first suite plus 30 basis points, two suites plus 80 basis points, Xiamen major banks have been implemented according to the latest quotation, that is, the first home loan interest rate is 4.9%, the second home loan interest rate is 5.4%. At the same time as the mortgage interest rate has declined, the lending speed of many banks has also increased significantly, and some banks have said that they can lend in only 1-2 weeks when the materials are complete.
