Shijiazhuang provident fund loan second suite down payment ratio of 20%

Employees who have paid the housing provident fund outside Shijiazhuang can apply for individual housing loans in accordance with the housing provident fund policy of Shijiazhuang when purchasing housing in Shijiazhuang. The down payment ratio of the second suite dropped to 20%.

The highlight of this policy adjustment is to fully liberalize the restrictions on off-site loans of provident fund. Employees who have paid housing provident fund can apply for housing provident fund loans in Shijiazhuang Housing Provident Fund Management Center, no matter which city they are in, as long as they have paid housing provident fund for more than six months continuously and bought houses in provincial capitals. At the time of application, the paid employee needs to go to the deposit provident fund center to issue the "Certificate of Use of Employees' Housing Provident Fund Loans in Different Places".

It should be noted that there are also restrictions on loans from different places, that is, employees who have paid the housing provident fund have never used personal housing loans or have not repaid housing provident fund loans.

The down payment ratio of the second home loan dropped to 20%

From September, 20 15, the down payment ratio will be reduced from 30% to 20% for households with 1 apartment who have settled the corresponding housing loans and applied for housing provident fund entrusted loans again to improve their living conditions. This is the further reduction of the down payment threshold for the second home loan of the provident fund after the "March 30" New Deal, which is consistent with the down payment ratio for the first home.

It is more convenient for employees to use the provident fund as a whole in provincial and municipal provident fund centers.

The circular also clarified the overall use of funds, which will also make it more convenient for employees to use the provident fund. The "Notice" stipulates that employees who deposit housing provident fund in the city center or provincial sub-centers may apply for loans from the city center or provincial sub-centers when purchasing houses. This means that employees who deposit in provincial sub-centers or downtown can apply to downtown or provincial sub-centers when applying for housing provident fund loans. In the past, provincial and municipal provident funds were managed separately.

Relevant persons of Shijiazhuang Housing Provident Fund Management Center reminded that employees who have continuously paid housing provident fund in the provident fund management center for more than 6 months can apply for individual housing provident fund loans only after purchasing second-hand houses or real estate commercial houses that have signed a provident fund loan cooperation agreement with the provident fund center. The term of provident fund loans generally does not exceed the remaining length of service within the statutory retirement age of the borrower, and may be extended to 5 years after retirement under special circumstances, with a maximum of 30 years.

Workers who have continuously paid housing provident fund for more than 6 months in their places of employment (in different places) and purchased self-occupied housing within the administrative area of Shishi can apply for personal housing loans to the housing provident fund center as the main lender by virtue of the Certificate of Payment and Use of Housing Provident Fund for Employees Loaned in Different Places issued by the housing provident fund management center of their places of employment and the details of their personal provident fund accounts.

(The above answers were published on 2015-12-17. Please refer to the actual situation for the current purchase policy. )

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