Ordos Adjustment of Provident Fund Policy: French shooting houses can be approved by 8

Ordos, Inner Mongolia, adjusts some public funds loan policies. Among them, it is clear that the buying house can be approved at 80%of the actual transaction price.Essence

According to the official WeChat public account "Ordos Housing Provident Fund" on Tuesday (November 1), in order to help the depositor to alleviate economic pressure and solve problems, the Inner Mongolia Autonomous Region Ordos City adjusted some public funds loan policies.

Among them, in terms of the purchase of housing provident fund loans for the purchase method, the new policy clearly clearly approves the maximum loan amount at 80%of the actual transaction price, and cancel the limit of the maximum loan amount at 50%of the ruling price.

In terms of private enterprise employees applying for housing provident fund loans, the nearly 6 months of salary flow, the details of the social insurance payment in the past 6 months, and the payment base of the deposit base exceed the tax certificate.Essence

The new policy proposes that the employee account has been sealed, and the monthly hedge loan repayment business can be handled under the conditions of hedging loan.

In addition, the balance of the employee account reaches the amount required to be paid in advance, and the balance of the housing provident fund account can be repaid in advance.

The above policy will be implemented from September 29, 2022.

It is reported that Ordos's current housing provident fund loan amount must be based on 20 times the balance of the borrower and the spouse account, personal credit record, monthly payment amount, monthly real -time income, total housing prices and other related informationComprehensive calculation.If the highest loan amount requires the borrower to establish a housing provident fund, the upper limit of the loan amount is 700,000 yuan (RMB, the same below, the same is about S $ 140,000); if one party establishes a housing provident fund, the upper limit of the loan amount is 400,000 yuan.

On the down payment, the borrower (including spouse) for the first time to apply for housing provident fund loans for the first time is not less than 20%of the total price of the house purchase;30%of the total price.

The borrower (including the spouse) applied for a housing provident fund loan for the first time, and the loan amount does not exceed 80%of the total price of the house.The same borrower (including spouse) shall not issue three or more housing provident fund loans.