heavy positive
Starting from October 1, Quanzhou Provident Fund
010 years or more loan interest rates were lowered to 3.1%
5 years or less to 2.6%
learned from the Quanzhou Provident Fund Center that Quanzhou has clearly followed up and implemented the notice requirements of the People's Bank of China Decision to Lower the First Personal Housing Provident Fund Loan Interest Rate" issued by the People's Bank of China.
That is, starting from October 1, 2022, Quanzhou will lower the interest rate for the first personal housing provident fund loan by 0.15 percentage points.
first home: the annual interest rate within 5 years is 2.6%, and the annual interest rate for more than 5 years is 3.1%;
second home: the annual interest rate within 5 years is not less than 3.025%, and the annual interest rate for more than 5 years is not less than 3.575%.
Customers who have previously issued the first provident fund loan will also enjoy interest rate cuts starting from January 1 next year.
Quanzhou Provident Fund Loan Policy
0 Currently implemented in Quanzhou Housing Provident Fund Policy is as follows
allows withdrawal of provident fund to pay down payment
Anyone who purchases new commercial housing within the administrative area of Quanzhou City , spouse and direct blood relatives can withdraw housing provident fund to pay down payment, further reducing the pressure on payment of down payment and facilitate employees to purchase new commercial housing.
first home recognition and down payment ratio
Quanzhou provident fund loan is "recognized houses and loans". This is the prerequisite for determining how much down payment ratio you need to pay. At the same time, you must use provident fund loans and you must pay them continuously for more than one year (12 months).
·Down payment ratio for first-class houses: 20%
·Down payment ratio for second-class houses: 30%
·Three or above: No loan approval
Note: The down payment ratio policy adjustment will be implemented on June 23, 2022 and will be implemented until December 31, 2022.
loan interest rate
first house: the annual interest rate within 5 years is 2.6%, and the annual interest rate for more than 5 years is 3.1%;
second house: the interest rates below 5 years (including 5 years) and above 5 years are not less than 3.025% and 3.575% respectively.
Note: The commercial personal housing loans in provident fund combination loans are priced in accordance with the latest LPR, and provident fund loans are still implemented in accordance with the original provident fund loan interest rate policy.
Increase the maximum amount of housing provident fund loan
If both the borrower and his wife pay the housing provident fund, the maximum loan amount will be adjusted from 600,000 yuan to 800,000 yuan. If the housing provident fund is paid unilaterally, the maximum loan amount will be adjusted from 400,000 yuan to 500,000 yuan.
Time limit: This policy adjustment will be implemented from the date of issuance of the document, and the policy of increasing the maximum loan amount will be implemented until December 31, 2022.
Increase the maximum loan amount for families with second or third children
If the employee family who gives birth to and raises two or more children applies for a housing provident fund loan and meets other loan application conditions, the housing provident fund loan amount will be added to 100,000 yuan on the basis of the maximum loan amount.
Provident Fund can be loaned from other places
Quanzhou can currently use Provident Fund to be loaned from other places . (Satisfied conditions: ① Quanzhou household registration purchases a house in Quanzhou, and provident fund is paid for 12 months in other places).
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