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The author:(作者)归海一刀published in(发表于) 2014/3/25 23:05:54 Guangzhou proposed Provident Fund provided loan can only be used once
Yangcheng evening news reporter Liu Wei
Guangzhou Provident Fund lending policies making significant adjustments again! Reporter yesterday from Guangzhou housing Provident Fund Management Center was informed that, the Center has Yu Shang Friday in official website bulletin bar in the quietly hanging out Guangzhou housing Provident Fund personal housing loan implementation approach under (sought views version) and the on I city housing Provident Fund loan about problem of notification under (sought views version), which intends provides has using had housing Provident Fund loan of, will no longer be loan, this also on meant with, if approach official implementation, future buy room applications Provident Fund loan of opportunities only once!
In addition, the draft also modified the loanable amount, eligibility criteria, are tightening intentions clear. Collection date as of April 10, the methods once the validity period will be 5 years.
Three scenarios cannot claim credit
The Guangzhou housing provident fund housing loans to individuals in the exposure draft of the implementing measures, the reporters saw the seventh article, fall into the following three cases, no loans: building structure of wood and brick, mixed; for non-residential premises and low density residential; housing common reserve fund loan had been used.
Where is low density residential to current understanding "with high afforestation rate, low volume rate as the main characteristics of dwelling", including independent villas, high-rise residential and derived properties, and so on. Most affect ordinary workers, while the third case, if it means applying for opportunities to fund loan is implemented only once previously applied will not get another chance.
"This is indeed what I meant. "The Centre official yesterday confirmed to the yangcheng evening news reporter, and toying with such measures is to implement the spirit of the country and the Guangzhou real estate regulatory policy, according to the Guangzhou housing Provident Fund management requested by the Committee at its third meeting.
Provident Fund Centre was also may apply again after completing the Provident Fund loans, although according to the property market regulation and policy, three suites to stop loans, Provident Fund loans can also apply at least twice, according to the new draft for comments, then if they did have a provident fund loans, there would be no opportunity to reapply, and had never applied for, only one application in future opportunities.
If the spouses have no use of Provident Fund loans, whether there's a chance? Guangzhou housing Provident Fund Centre official says, still have a chance, but by second home related regulations.
Shen loan must be paid in two consecutive years
In terms of loan applicants, the draft also has tightened significantly, the payment time limits requirements has increased significantly.
Draft provisions, has a residence in this city, when applying for loans must have paid into the Housing Fund for more than 24 months in a row (including 24 months), non-domicile of the city, applications need to have paid into the public accumulation Fund for housing in a row over 36 months (36 months). Prior to this, the article is: Guangzhou residence, when applying for housing accumulation Fund loan has been paid into the Housing Fund for more than 6 months (including 6 months); non-residence in Guangzhou, when applying for housing accumulation Fund loan has been paid into the Housing Fund for more than 12 months (12 months).
In addition, the draft also requires that the applicant has paid down payment to buy, which means, to apply for a loan fund must pay the first payment, which previously only required down payment home buyers meet the requirements of the applicant.
Can lend or reducing by almost half
Loanable amount, exposure draft provisions "for credit based on the individual housing Provident Fund deposit", "credit limit" and "in accordance with the loan amount of the housing prices," minimum.
Reporter noted that "credit lines based on the personal housing accumulation Fund paid into" the change in the calculation method. Now is calculated as: (x2x Provident Fund account + monthly deposit amount to statutory retirement months) X2, and plan to modify (Provident Fund account balance X2+ months ' paid x number of months to compulsory retirement age X2), then the latter is equivalent to almost 1 time.
Suppose an employee Provident Fund account balance is 50,000 yuan, the monthly deposit amount for 2000, is 240 months away from mandatory retirement months or 20, then according to the formula to calculate the loan amount to 2.02 million Yuan, according to the revised formula down to 1.06 million Yuan, dramatically reducing 960,000 yuan.
Of course, were made not so much in practice, because in taking the lowest value in the above three, according to the latest requirements from the draft, one application of housing accumulation Fund loan, loans capped at 500,000 dollars, purchased by two or more persons in the same housing applications for housing accumulation Fund loan, loans capped at 800,000 yuan. If it is a second home loan, you can only 30% credits by home prices.
Draft scan
Credit record approval basis
Journalists see from the exposure draft, credit records are highlighted for the first time become the important basis for approval, you receive the following three types of workers will be limited to loans. This includes:
(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, will not be accepted during the 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.
A pure commercial loans, two sets of Provident Fund loans
And same as before is that clearly the comment draft:
On purchased first sets housing and sets type area in 90 square (containing 90 square) following or by provides purchased supportability housing of family (including borrowing people, and spouse and the minor children, with), loan lines not over by purchased housing price of 80%; on purchased first sets housing and sets type area in 90 square above of family, loan lines not over by purchased housing price of 70%;
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.
Suspended payment of worker-family housing common reserve fund loan for third-home purchases and above.
Need to be aware of is that according to the exposure draft, is a purely commercial loans for the first time, the two sets have the opportunity to apply for a loan fund, and can lend substantially reduced, only up a credit 30%.
And imposed on the family had homes found "acceptance" and "recognition of loan". Provident Fund to the centers 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.
Community buzz
There is concern that:
Provident Fund lines enough?
Guangzhou Provident Fund Center on March 21, quietly hang above the comment draft website, comment deadline until April 10. These two exposure drafts, journalists interview respondents didn't know about, but the strong reaction of hearing about specific content.
People Miss Wong said she hadn't used the Provident Fund loans, "loan only once, I first have to buy large, otherwise it's not worth it! Wage-earners, under a lot of pressure to buy Grand, this is not contrary to national policies to support the purchase of the first suite yet? "Miss Huang questioned road. She also believed that if you limit, is still done, loan, you don't have to deposit? "Because I didn't get a chance to. ”
There are people who consider Provident Fund lending policies received so tight, obviously don't want to let you use, whether due to not enough lines of the Fund such measures? In response, denied the Provident Fund Centre, stated that it is only together with property market regulation policies, credit was ample.
Liu Wei
(Original title: Provident Fund loan)
羊城晚报记者 刘薇
广州公积金贷款政策再度酝酿重大调整！记者昨日从广州住房公积金管理中心获悉，该中心已于上周五在官网公告栏中悄悄挂出《广州住房公积金个人住房贷款实施办法》(征求意见稿)及《关于我市住房公积金贷款有关问题的通知》(征求意见稿)，其中拟规定已使用过住房公积金贷款的，将不再予以贷款，这也就意味着，若办法正式实施，今后买房申请公积金贷款的机会只有一次！
此外，意见稿还对可贷额度、申请条件等都进行了修改，收紧意图明显。意见征集日期截止到4月10日，《办法》一旦实施有效期将是5年。
三种情况不可申贷
在《广州住房公积金个人住房贷款实施办法》的征求意见稿中，记者看到第七条明确规定，属于以下三种情况的，不予贷款：建筑结构为砖木结构、混合结构；用途为非居住用房及低密度商品住宅；已使用过住房公积金贷款。
其中，低密度商品住宅按目前业界的理解是“以高绿化率、低容积率为主要特征的住宅”，包括独立别墅、多层住宅及派生房产等。而第三种情况对普通职工影响最大，若实施则意味着申请公积金贷款的机会只能有一次，以前申请过的就再也没有机会了。
“确实是这个意思。”该中心相关负责人昨日向羊城晚报记者证实，并表示酝酿这样的措施主要是为贯彻落实国家及广州市房地产调控政策精神，根据广州市住房公积金管理委员会第三届一次会议要求而做出的。
公积金中心此前的做法是，还完公积金贷款后可再次申请，尽管此前根据楼市调控政策，三套房停贷，但公积金贷款至少还可以申请两次，如按新的征求意见稿，那么只要以前有公积金贷款的，就没有再申请的机会，从未申请过的，今后也只有一次申请机会。
如果夫妻双方有一方没有使用公积金贷款，是否还有机会？广州市公积金中心相关负责人表示，仍有一次机会，但需按二套房相关规定办理。
申贷需连续缴存两年
在贷款人申请条件方面，征求意见稿也明显收紧了，对缴存时限的要求大幅提升。
意见稿规定，具有本市户籍的，申请贷款时需已连续缴存住房公积金24个月以上(含24个月)；非本市户籍的，申请时需已连续缴存住房公积金36个月以上(含36个月)。而此前，该条规定是：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6个月)；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12个月)。
此外，意见稿中还要求，申请人已按规定支付购房首期房款，这意味着，必须交了首付款才能申请公积金贷款，而此前仅要求申请人的购房首期付款符合规定比例。
可贷额度或减少近一半
在可贷额度上，征求意见稿规定，取“根据个人住房公积金缴存情况计算的贷款额度”、“贷款最高限额”和“按照房屋价格计算的贷款额度”中的最低值。
记者注意到，“根据个人住房公积金缴存情况计算的贷款额度”计算方法有变。现在的计算公式为：(公积金账户余额+公积金月缴存额×2×至法定退休月数)×2，而计划修改为(公积金账户余额×2+公积金月缴存额×至法定退休年龄月数×2)，那么后一项就等于少翻了一倍。
假设某职工公积金账户余额为5万元，其月缴存额为2000元，离法定退休月数还有240个月即20年，那么按照原来的公式计算的可贷额度为202万元，按修改后的公式则减少为106万元，大幅降低96万元。
当然，在实际中是贷不到这么多的，因为在上述三项中取最低值，按意见稿中的最新规定，一人申请住房公积金贷款的，贷款最高限额为50万元，两人或两人以上购买同一住房申请住房公积金贷款的，贷款最高限额为80万元。如果是二套房贷款的，则只能按房屋价格的30%来贷。
意见稿扫描
诚信记录成审批依据
记者从征求意见稿中看到，诚信记录被首次特别强调成为重要审批依据，出现以下三种情况的职工将被限制贷款。这包括：
(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，期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。
一套纯商贷，二套才能公积金贷
和之前规定相同的是，征求意见稿再次明确：
对购买首套住房且套型建筑面积在90平方米(含90平方米)以下或按规定购买保障性住房的家庭(包括借款人、配偶及未成年子女，下同)，贷款额度不超过所购房屋价格的80%；对购买首套住房且套型建筑面积在90平方米以上的家庭，贷款额度不超过所购房屋价格的70%；
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。
暂停发放缴存职工家庭购买第三套及以上的住房公积金贷款。
需要注意的是，按照征求意见稿，首次用的是纯商业贷款的，二套才有机会申请公积金贷款，且可贷额度大大降低，最高只能贷三成。
并且，对家庭已购房套数的认定实行“认房”又“认贷”。公积金中心称，会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。
市民热议
有人担心：
是否因公积金额度不够用？
广州公积金中心是在3月21日悄然将上述征求意见稿挂到官网上的，征求意见截止日期到4月10日。对于这两份征求意见稿，记者随机采访的市民表示毫不知情，但获悉具体内容后反应强烈。
市民黄小姐就表示，自己还没有使用过公积金贷款，“只能贷款一次的话，我首套就一定要买大房啊，否则太不划算了！可对工薪阶层来说，买大房的压力很大，这不是和国家支持购买首套房的政策相违背了吗？”黄小姐质疑道。她还认为，既然这么限制，是不是还完了贷款，就不用再缴存了？“因为我都没机会用到了。”
也有市民认为，公积金贷款政策一下收得这么紧，很明显是不太想让大家用，是否因公积金的额度不够用了才出这样的措施？对此，公积金中心予以否认，表示只是配合楼市调控的政策，贷款额度还是充足的。
刘薇
(原标题：公积金贷款)
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