Recently, a number of departments in Chengdu have jointly issued four major policies involving real estate, including the provident fund "business to public", house purchase settlement, new house purchase cancellation restrictions, preferential subsidies for the purchase of parking spaces, etc.
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▶ The maximum loan amount is raised to 1.2 million yuan! Chengdu Housing Provident Fund issued five important support policies
▶ From now on, Chengdu can apply for "business to business"!
▶ Chengdu new house purchase has been cancelled, and it can be listed and traded with a certificate
▶ Buy a house and get a parking space, buy a parking space and enjoy subsidies? These preferential policies will be introduced for the purchase of parking spaces in Chengdu
▶Heavy! Chengdu implements a new policy for buying houses and settling down
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About the Provident Fund "Business to Business"
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Question 1: Is the "business-to-business" process operated online or does it need to be on-site?
Answer: At present, the borrower needs to go to the lending bank for on-site processing.
The main information to be provided for application is as follows:
(1) Valid identity certificates such as second-generation ID cards or military ID cards, Mainland Travel Permits for Hong Kong and Macao Residents, Mainland Travel Permits for Taiwan Residents, and permanent residence ID cards for foreigners.
(2) Hukou booklet (Home, this page of the borrower, and the page of minor children).
(3) Marriage certificate (marriage certificate, divorce certificate and divorce agreement, effective documents of divorce by the court), and singleness must be declared on the spot.
(4) "Certificate of Real Estate Ownership" or "Certificate of Housing Ownership" and "Certificate of Use of State-owned Land".
(5) A summary of housing information or a summary of real estate registration information issued by the registration authority.
(6) The "Letter of Early Repayment of Commercial Loans" issued by the original commercial loan bank.
(7) The loan contract of the original commercial loan (which shall include the mortgage clause).
(8) The purchase contract or agreement confirmed by the housing and urban-rural development department.
(9) When applying for a loan at the lending bank, the borrower can print the "Personal and Family Housing Registration Information" (including the information of minor children) over the counter.
(10) Entrusted deduction (repayment) account: a personal debit card Ι card of the main borrower that meets the requirements of the selected lending bank.
(11) Income-related information:
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1. In principle, the monthly income of the employees deposited by the unit shall be subject to the contribution base. If the housing provident fund payment unit is inconsistent with the declared work unit, it is necessary to provide evidence such as a description of the payment relationship issued by the work unit.
2. The monthly income of individual voluntary depositors is based on the contribution base. If the deposit base is more than 5,000 yuan, it is also necessary to provide additional evidence such as bank income flow and social security payment materials for the last 6 months.
3. The monthly income of the flexible employment depositor, provide the latest social security payment information or income tax payment certificate for the last 12 months, withholding tax payment certificate, and further provide bank income flow and lease contract, partnership agreement, equity dividend, purchase/sales documents, business account bank statement, etc.
4. The monthly income of the co-applicant who has not paid the provident fund, and provide the latest bank income statement or social security payment information for not less than 12 months.
(12) Information related to the deposit of provident fund: Depositors of provincial sub-centers and petroleum sub-centers, as well as depositors who have handled cross-center transfers, shall provide the certificate of deposit and use issued by the corresponding center and the deposit and withdrawal details with the accounting date. If the borrower authorizes the Chengdu Provident Fund Center to inquire through the housing provident fund sharing platform and other channels, and can obtain the query result, it is not required to provide it.
Procedure:
(1) When applying for a business-to-business loan, the borrower shall fill in a written application at the lending bank, submit true, complete and valid application materials as required, and cooperate with the loan investigation and review.
(2) The lending bank shall accept, investigate and preliminarily examine the loan application and application materials, and submit preliminary examination opinions.
(3) The Chengdu Provident Fund Center shall review and approve and notify the lending bank of the approval result.
(4) According to the approval conclusion, the lending bank shall notify the borrower to complete the contract signing and other relevant formalities. The borrower applies to the real estate registration department for the registration of the subordinate mortgage of the business-to-public loan, and the lending bank obtains the real estate registration certificate (subordinate mortgage).
(5) After the loan conditions are met, the lending bank shall hand over to the Chengdu Provident Fund Center for approval.
(6) After the approval of the Chengdu Provident Fund Center, the lending bank will issue the loan to the designated account of the original commercial loan bank, and the interest on the business-to-public loan will begin to be calculated.
(7) The lending bank notifies the signatory of the contract to collect the contract.
Question 2: Which banks can handle the "business to business" of provident fund?
Answer: (1) The following banks have signed the "Business to Business Cooperation Agreement" with Chengdu Provident Fund Center, and the commercial personal housing loans of the subordinate branches have not been settled, and meet the relevant conditions of the business to business loans, the depositors can apply for the business to business loans.
Including: 1. Industrial and Commercial Bank of China Co., Ltd. Chengdu Branch, 2. Agricultural Bank of China Co., Ltd. Chengdu Branch, 3. Bank of China Co., Ltd. Sichuan Branch, 4. China Construction Bank Co., Ltd. Sichuan Branch, 5. Bank of Communications Co., Ltd. Sichuan Branch, 6. Postal Savings Bank of China Co., Ltd. Chengdu Branch, 7. China Merchants Bank Co., Ltd. Chengdu Branch, 8. Industrial Bank Co., Ltd. Chengdu Branch, 9. China CITIC Bank Co., Ltd. Chengdu Branch, 10. Shanghai Pudong Development Bank Co., Ltd. Chengdu Branch； 11. China Guangfa Bank Co., Ltd. Chengdu Branch; 12. Bank of Chengdu Co., Ltd.; 13. Chengdu Rural Commercial Bank Co., Ltd.; 14. Bank of Sichuan Co., Ltd.; 15. Mianyang City Commercial Bank Co., Ltd. Chengdu Branch.
(2) It is worth noting that, in order to ensure the quality and efficiency of housing mortgage registration and early repayment of the original commercial loan: 1. If the original commercial loan sub-branch has the qualification to handle provident fund loans, the business-to-public loan should be handled in the original commercial loan sub-branch; 2. If the original commercial loan sub-branch does not have the qualification to handle provident fund loans, the business-to-public loan can be handled in other sub-branches with provident fund loan handling qualifications.
(3) Sub-branches with provident fund loan handling qualifications can inquire through the service guidelines of the official website of Chengdu Provident Fund Center - loan business - handling location - handling bank outlets, or Chengdu Housing Provident Fund APP convenience service - service outlets - loan bank acceptance hall.
Question 3: Can I convert all of my previous portfolio loans into provident fund loans?
A: According to the Guiding Opinions of the Ministry of Construction, the Ministry of Finance and the People's Bank of China on Several Specific Issues Concerning the Management of Housing Provident Fund, employees are not allowed to apply for housing provident fund loans again before they have paid off their housing provident fund loans. Therefore, if it was originally a portfolio loan, it was necessary to settle the provident fund loan part first, and the remaining commercial loan part could be applied for a business-to-public loan. The business-to-business loan was recorded as a provident fund loan.
Question 4: Do I have to have a provident fund balance before I can transfer to the public?
A: Yes, the amount of CPF contributions, withdrawals, time and deposit and loan coefficients are the main factors in calculating the loanable amount of CPF loans.
Question 5: Is "only one house in the city" an individual unit or a family unit?
Answer: "The only house in the city" means that the borrower's family (including minor children) has only one house in Chengdu when applying for a business-to-public loan. Houses that have been purchased and have now been sold are not included in the calculation.
Question 6: If the house is bought in the name of the parents, can the child's provident fund be used to apply for a business transfer?
A: No, the borrower must be the property owner and the commercial loan borrower.
Question 7: My portfolio loan is the second CPF loan, can I switch to business after paying off the balance of the CPF loan?
A: No, the cumulative number of provident fund loans of borrowers (including co-applicants) shall not exceed twice.
Regarding the lifting of sales restrictions for new home purchases
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Question 1: When can I buy a new house without restrictions?
Answer: Housing purchased before October 15 (exclusive) and targeted sales housing purchased after October 15 (inclusive) must still be restricted, and the specific sales restriction time shall be implemented in accordance with the original regulations. After October 15, the new purchase of commercial housing (excluding targeted sales projects) and second-hand housing projects will no longer be restricted, and the transaction can be obtained by obtaining the real estate ownership certificate.
Question 2: How to check whether the house is a directional sale?
Answer: For details, please consult the 86279799 of the trading center of the Municipal Bureau of Housing and Urban-Rural Development, or consult the real estate service window offline.
Question 3: There is no restriction on selling a house, but what about VAT? Is it exempt?
Answer: The policy that is not involved shall be implemented in accordance with the current regulations.
About the purchase of a house and the settlement
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Question 1: I bought a house last year and haven't delivered it yet, can I settle down?
A: You can only settle down after handing over the house.
Question 2: Is there an age limit for parents when they move with them? Do I need a 5-year restriction for my children to settle in Chengdu?
A: Men over 60 years old, women over 55 years old. There is no restriction on the time for children to settle down.
Question 3: Can I settle down in a house I bought before the New Deal? Or does it have to be a house purchased after the New Deal to settle in?
A: There is no limit on the time to buy a house, and those purchased before the release of the document can also settle down.
Question 4: Can I settle down if I buy an apartment?
A: A 40-year apartment is not available, but a 70-year apartment is.
Question 5: Are housing settlement and talent settlement parallel?
A: Yes, in parallel.
Edit | Ma Yanyan
Editor-in-charge | Huang Yangmin source丨Chengdu release
