Go homepage(回首页) Upload pictures (上传图片) Write articles (发文字帖)
The author:(作者)归海一刀published in(发表于) 2014/3/25 23:05:49 Guangzhou intends to transfer Fund loan policies： loan amount or halved
Wen Pan 彧/reporters, Lai Weihang
"Spike six" after the introduction, Guangzhou Provident Fund policy has been to sit. However, the journalist yesterday learned from Guangzhou housing Provident Fund Management Center, this situation is likely to change. Guangzhou housing Provident Fund personal housing loan implementation approach under (sought views version) (abbreviation approach under) and the on I city housing Provident Fund loan about problem of notification under (sought views version) (abbreviation notification under) began sought views, according to above two a file, future using had Provident Fund loan of public or will not can again for Provident Fund loan, and loan lines also will has received narrow.
"' Spike six ' after we have introduced policy intentions in this area, is still soliciting opinions stage. "Guangzhou housing Provident Fund Management Centre official said yesterday in an interview with reporters, this new deal to perform, to be considered by the Fund Management Committee adopted.
Credit lines or halved
The notice showed that loans based on the deposit amount, calculated as: account balance X2+ month months, X2 x the amount paid to the retirement age. This formula compared with previous formulas, line "shrink" significantly.
Insiders said the previous calculation formula: (x2x Provident Fund account + monthly deposit amount to statutory retirement months) X2. With a 30 year old man, Provident Fund deposit amount 250 dollars a month, have paid for two years calculated according to the previous formula, the maximum loan of 372,000 yuan, and published in accordance with the formula, only 192,000 yuan loans, nearly half.
Just need real estate pressures
They immediately understood that almost all the people in the trade to the notice issued by surprise.
"If this exposure draft does become a reality, then a very harsh means. "Central China real estate Huang Tao, General Manager of the Department, told reporters.
"For buyers, and increased difficulty of Provident Fund loans, lines down, can lead to loan burdens even heavier, more pressure, suppression of demand may appear artificial. "Huang Tao analysis says that developers may face a further decline in demand in the future, increased difficulty of pricing. "Due to the use of Provident Fund loans more properties for sale are mostly just need just need disc pressure is very large, needs to be changed, or to take other means to solve this problem, some developers have already started to implement some of the measures. ”
"It's hard to say how many customers were affected, but to make projections, if we start graduate pay Provident Fund, provident funds bottom line will reach the age of first-time home buyers want to use 25~26sui. "Full House senior marketing manager Zhou Feng said that if not for the next few months other measures, continues to perform" Spike six ", temporarily not too dramatic improvements in trading volume, and if the Provident Fund loans tighten in accordance with trends in commercial lending tightened now, some customers will stop buying sprees of first-hand and second-hand house prices will have some loose.
Selling to buy a public "hurt"
"If this implementation that used the Provident Fund loans, sold to buy a people unhappy. "Some State-owned enterprise employees, Mr Lai said 6 years ago with Provident Fund loans to buy herself a one-bedroom home, it was only a loan of 200,000 yuan. Now, his apartment has been sold, and in full swing "characteristic" House. Prior to this, as long as the Fund loan after six months you can give credit, but now he plans to soon off. He wondered, "why does not reflect new policies to improve housing for support? ”
1
Second home down payment
From 70%
Reporters saw in the notice, for the Provident Fund loans will be determined according to the family homes, the purchase of housing floor space. On the purchase of second homes, families, houses purchased by the loan amount does not exceed the rate of 30%, lending rate by the same grade of 1.1 times the benchmark rate in the same period times Executive.
Prior to this, on the purchase of second homes, families, first payment shall not be less than 60%, lending rate by the same grade of 1.1 times the benchmark rate in the same period times Executive. Suspension family buy a third or more of housing accumulation Fund loan.
2
Recognition recognition credit
More strict
Guangzhou housing Provident Fund Management Center official told Xinhua that Guangzhou now implementing Provident Fund loan roots found on, for the second suite of standards more lenient. For example a spouse to apply for Provident Fund loans on behalf of the party, even selling buying buying second homes, and a spouse after you pay off the loan fund, the other party can also apply for loan fund. Second Suite Fund loan conditions of the new deal more stringent imposed on family homes that "acceptance" and "recognition of loan" standard. Through housing issued by the personal name registration of the real estate sector enquiry show, the people's Bank of credit system of the personal credit reports and Bank through testing, interviews or other forms of real estate due diligence investigation finds families roots.
3
Loan Fund
"No loan"
The methods also belongs to one of the following conditions, no loans: (a) building structure of wood and brick, mix, (ii) use for non-residential premises and low density residential, (iii) housing common reserve fund loan had been used.
"I understand, an affirmation that mean loan fund can only be used once. "A mortgage industry veteran who said during previous operations of Provident Fund loans if repaid prior to the loan fund, half a year later, may apply for the next loan fund.
4
Credit record
Approval based on
In order to combat acts of cheating in recent years of a provident fund. The approaches proposed provisions of housing accumulation Fund loan to employees ' credit record as an important basis for approval, restrictions on workers for any of the following reasons:
(A) fraudulently extract stored balances within trade unions own the housing accumulation Fund accounts, full refund after 3 years before they can apply for housing accumulation Fund loan;
(B) provide false information to trade unions in obtaining loans, provident Centre bad credit record will be retained for 4 years, during which it will not be accepted its housing accumulation Fund loan applications;
(C) the credit records of people's Bank home loans overdue for 6 issues (6) above, loans to settle for 5 years before I can apply for housing accumulation Fund loan.
"Before the number of overdue repayment of housing loans have only one code of internal operations, there is no clear guideline, driving the early repayment of used consumer credit card forget ' big prawn ' after submitting the information, it was found not eligible to apply for. "Fund Center said to reporters, once you have that clear policies, allow the public to more targeted at the time of application.
5
Local accounts needed
Even paying for two years
Provident Fund Centre official says, in line with the "Spike six", the comment of the approach and the notification of the purchase requirements are more stringent,
The measures proposed, may apply for a condition of Provident Fund loans are: residence in this city, when applying for a loan has been paid into the Housing Fund for more than 24 months (inclusive); non-domicile of the city, applications have been continuously deposited housing accumulation Fund for more than 36 months (inclusive).
Previously, payment of CPF life requirements of Guangzhou residence, when applying for housing accumulation Fund loan has been paid into the Housing Fund for more than 6 months (inclusive) non-residence in Guangzhou, when applying for housing accumulation Fund loan has been paid into the Housing Fund for more than 12 months (inclusive).
For the adjustment of housing accumulation Fund loan policies, the relevant units and members of the public can post comments to specify the mailbox before the April 10, 2014:
(Original title: Provident Fund loan can no longer lend)
文/记者潘彧、赖伟行
在“穗六条”出台之后，广州公积金政策一直按兵不动。不过，记者昨日从广州住房公积金管理中心了解到，这种情况有可能发生改变。《广州住房公积金个人住房贷款实施办法》(征求意见稿)(简称《办法》)及《关于我市住房公积金贷款有关问题的通知》(征求意见稿)(简称《通知》)开始征求意见，根据上述两个文件，今后使用过公积金贷款的市民或将不可以再进行公积金贷款，而且贷款额度也会有所收窄。
“‘穗六条’出台之后我们就有这方面的政策意向，目前还在征求意见阶段。”广州住房公积金管理中心相关负责人昨日在接受记者采访时表示，上述新政若要执行，还要经公积金管理委员会审议通过。
贷款额度或缩水一半
《通知》显示，根据缴存情况计算的贷款额度，计算公式为：账户余额×2+月缴存额×到退休年龄月数×2。这一计算公式相比起此前的公式而言，额度“缩水”明显。
业内人士表示，以前的计算公式为：(公积金账户余额+公积金月缴存额×2×至法定退休月数)×2。以一个30岁男子，每月公积金缴存额250元，已经缴存两年来计算，按照以前的公式，最高可以贷款37.2万元，而按照此次公布的公式计算，只能贷款19.2万元，缩水近半。
刚需楼盘压力增大
记者随即了解到，几乎所有的业内人士都对此次《通知》出台感到惊讶。
“如果这个征求意见稿真的成为现实，那么算是非常严厉的调控手段了。”中原地产项目部总经理黄韬对记者表示。
“对买房人来说，公积金贷款的难度增加，额度下降，会导致贷款负担更重，压力更大，购房需求会出现人为的抑制。”黄韬分析称，未来开发商可能面对的购房需求将进一步下降，定价的难度增加。“由于使用公积金贷款较多的楼盘大都是刚需盘，刚需盘面临的压力会很大，必须要以价换量，或者采取其他的手段去给客户解决这个难题，有些大开发商已经开始实施一些措施。”
“很难说具体多少客户会受到影响，但可以据此推算，如果从毕业开始缴纳公积金的话，首次置业想要使用公积金的年龄底线将达到25~26岁。”满堂红高级市场经理周峰表示，假如接下来几个月没有其他的措施出台，依然执行“穗六条”，成交量暂时不会有太明显的改观，而如果公积金贷款收紧，按照现在商业贷款收紧的趋势，部分客户将停止入市，一手和二手住宅的价格都会有一定的松动。
卖一买一市民“伤不起”
“如果按此实施，那用过公积金贷款、卖一买一的市民难过了。”某国企员工黎先生表示，自己6年前用公积金贷款购买了一套一室一厅自住，当时仅贷了20万元。现在，他已经将这套房卖掉，并在紧锣密鼓地“物色”婚房。此前，只要还完公积金贷款半年后便可以再贷，但现在他的打算眼看就要泡汤了。黎先生表示不解，“为什么新政策完全没有体现对改善型住房的支持？”
二套房首付
提至七成
记者在《通知》的中看到，对于公积金贷款比例，将根据家庭购房套数、所购住房建筑面积确定。对购买第二套住房的家庭，贷款额度不超过所购房屋价格的30%，贷款利率按同期同档次基准利率的1.1倍执行。
而此前，对购买第二套住房的家庭，首付款比例不得低于60%，贷款利率按同期同档次基准利率的1.1倍执行。暂停发放家庭购买第三套或以上住房公积金贷款。
认房又认贷
更为严格
广州住房公积金管理中心相关负责人告诉记者，目前广州在执行公积金贷款套数认定上，对于二套房的认定标准较为宽松。例如夫妻一方以一方名义申请公积金贷款，即使是卖一买一购买二套房，在夫妻一方还清公积金贷款之后，另一方还可以再申请公积金贷款。而新政的二套房公积金贷款条件更为严格，对家庭已购房套数实行“认房”又“认贷”的标准。通过房管部门出具的《个人名下房地产登记情况查询证明》、人民银行征信系统《个人信用报告》及银行通过面测、面谈等形式的尽责调查认定家庭房产套数。
已贷过公积金
“不予贷款”
《办法》还提出：属于以下情况之一的，不予贷款：(一)建筑结构为砖木结构、混合结构；(二)用途为非居住用房及低密度商品住宅；(三)已使用过住房公积金贷款。
“我个人理解，这种表述的意思是公积金贷款只能用一次。”一位按揭业内资深人士表示，在以前公积金贷款的操作之中，只要还清之前的公积金贷款，满半年之后，便可以申请下一次公积金贷款。
诚信记录成
审批依据
为了打击近年来骗取公积金的行为。《办法》拟规定住房公积金贷款以职工的诚信记录作为重要审批依据，对于出现下列情况的职工限制贷款：
(一)以欺骗手段提取本人住房公积金账户内存储余额的职工，全额退款3年后才可申请住房公积金贷款；
(二)提供虚假资料骗取贷款的职工，公积金中心将保留不良诚信记录4年，其间不受理其住房公积金贷款申请；
(三)人民银行征信记录显示住房贷款逾期6期(含6期)以上，贷款结清5年后才可申请住房公积金贷款。
“之前对住房贷款的逾期还款期数只有一个内部操作的守则，没有明确的指引，令到不少早年使用过消费信用卡忘记还款的‘大头虾’递交了资料后，也才发现没有资格申请。”公积金中心人士向记者表示，有了这一明确政策之后，可以让市民在申请时更为有的放矢。
本地户口需
连缴两年
公积金中心相关负责人表示，为了配合“穗六条”，此次征求意见的《办法》和《通知》在购房要求上也更为严格，
《办法》提出，可申请公积金贷款的条件之一为：本市户籍，申请贷款时已连续缴存住房公积金24个月以上(含)；非本市户籍的，申请时已连续缴存住房公积金36个月以上(含)。
而此前，缴纳公积金年限方面的要求为：广州市常住户口的，申请住房公积金贷款时已连续缴存住房公积金6个月以上(含)；非广州市常住户口的，申请住房公积金贷款时已连续缴存住房公积金12个月以上(含)。
针对此次住房公积金贷款政策调整，有关单位和各界人士可以在2014年4月10日前将意见发至指定邮箱：
(原标题：贷过公积金不能再贷)
赞