On April 8, Beijing, Guangzhou, Shenyang and Suzhou simultaneously introduced adjustment and optimization measures for housing provident funds to further support residents' demand for rigid and improved housing.
Suzhou, Jiangsu Province has launched the "Happy Living in Suzhou City" provident fund deposit and loan product for individual industrial and commercial households, freelancers and other flexible employees, who can freely choose the time, amount and frequency of product purchase, withdraw the account balance of the product at any time, and also obtain provident fund loan rights.
Shenyang, Liaoning Province has optimized the provident fund withdrawal policy. From April 1 to September 30 this year, employees who take out loans to purchase self-occupied houses in Shenyang can apply for withdrawing housing provident funds to pay the down payment for house purchases. The policy is clear, and the time limit for provident fund withdrawal is no later than November 30 this year.
Beijing issued the "Implementation Measures for Housing Provident Fund to Support the Green Development of Buildings in Beijing" for public comment: the higher the green building grade and assembly rate grade of the house purchased by the buyer, the higher the amount of the provident fund loan.
Bai Lu, Deputy Director of the Loan Management Department of the Beijing Housing Provident Fund Management Center: The amount of the loan amount of borrowers who meet multiple applicable conditions at the same time can be cumulative, up to 400,000 yuan, and the maximum loan amount does not exceed 1.6 million yuan.
Guangzhou has raised the maximum amount of provident fund loans, and the maximum amount of loans for one person to purchase a self-occupied house has been adjusted from the original 600,000 yuan to 700,000 yuan, and the maximum amount of loans jointly applied for by two or more people to purchase the same self-occupied house has been adjusted from the original 1 million yuan to 1.2 million yuan. If certain conditions are met, the maximum amount of housing provident fund loans can continue to rise.
Feng Wei, Director of Guangzhou Housing Provident Fund Management Center: For the purchase of new green buildings and prefabricated buildings, the one-star will be increased by 10%, and the two-star and above will be increased by 20%. If the loan support policy for families with two children or more is met, the maximum loan amount will be increased by 30%. For example, the husband and wife have two minor children, and the house purchased is not only the first house of the family, but also a new prefabricated building, and the maximum provident fund loan amount is 1.56 million yuan.
According to incomplete statistics, since the beginning of this year, more than 100 housing provident fund policies of various types have been introduced across the country, involving many aspects such as the increase in loan amounts and the relaxation of withdrawal conditions.
Cai Zhen, associate researcher of the Institute of Finance and Banking, Chinese Academy of Social Sciences: First, policy support is greater, and the loan amount of housing provident fund in many cities has been increased, reducing the interest cost of provident fund loans. Second, it has a wider coverage, such as Suzhou in Jiangsu Province and Chengdu in Sichuan Province, both of which have policies for flexible workers, which can have a positive effect on the real estate market. (CCTV News)