The reporter learned from the Beijing Housing Provident Fund Management Center: from the 17th, Beijing will increase the support of the housing provident fund for the completion of the renovation of the old community, and optimize and adjust the approval standard of the housing provident fund loan term after the renovation of the old community.
For houses that have completed the renovation of old residential areas, the loanable life of the house has been optimized from three years less than the remaining service life of the house (50 years for brick-concrete structures/60 years for steel-concrete structures - 3 years for the service life of the house) to three years below the remaining land use life. The provident fund loan handling department finally determines the maximum loan term of the borrower based on factors such as the loan period of the house and the age of the borrower. After the optimization of the policy, it effectively solves the problem of short loan term due to the long service life of the house in the old community, and further reduces the pressure of borrowers to purchase and repay the loan. For example, suppose the borrower is single, with a monthly personal deposit of 1,250 yuan and a contribution ratio of 12%, to purchase a 1977 brick-concrete house that has completed the renovation of an old community. According to the original policy, it is not possible to apply for provident fund loans. After the policy optimization, borrowers can apply for provident fund loans with a loan term of up to 20 years (20 years = 70 years - (2024-1977) - 3 years) and a loan amount of 930,000 yuan for the first house, provided that other loan conditions are met. In addition, in other cases, the policy can also make the provident fund loan from a short loan and a small loan to a long loan and a large loan, and apply for the same loan amount, the monthly repayment amount will be reduced, effectively reducing the borrower's repayment pressure. It is understood that the housing renovation project of the old community specifically includes "comprehensive renovation of energy conservation", "comprehensive renovation of earthquake resistance and energy saving", "single renovation and environmental remediation" and "reconstruction of dangerous old buildings". The list of old community renovation projects is subject to the Beijing Municipal Commission of Housing and Urban-Rural Development.
Article source: Reprinted by CCTV Finance
Editor: Wang Haoyi
Review: Huai Nan
Producer: Zhao Min, Zhong Xiao
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