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The author:(作者)qqpublished in(发表于) 2014/7/1 8:28:35 Provident Fund loans to buy second homes in Beijing lowering the threshold
Criteria relaxed today raised to 31.31 square meters per capita housing area has nothing to do with market regulation policy
Legal evening news (by Yi Duo), a family of 3, if the House is 90 square meters, this can be used to fund loans to buy second homes. The Beijing Housing Fund Management Center announced yesterday, today, and provident funds second mortgage standards raised to 31.31 square meters. Current per capita living space less than this standard families are eligible to apply.
, Provident Centre, yesterday issued a circular saying, for housing accumulation funds personal loan business, average monthly wage per capita housing floor space and staff to make adjustments.
In November 2010, the Municipal Fund Centre released its second mortgage standards, clearly identifying Fund loans payable to second homes, limited to existing per capita housing floor space, down from Beijing, according to the latest published per capita housing floor space of urban residents paid the worker's family. Perform standard at that time was the per capita residential area below 28.81 sq m (not included). In January last year, which increased to 29.4 square.
This is the third time adjustment. Circular said that 2013 released Beijing Municipal Bureau of urban households per capita housing floor space of 31.31 square meters. Loans to buy second homes, is limited to the existing per capita housing floor space below 31.31 (not included) paid working families, whereas earlier standards, has raised less than 2 square metres.
Interpretation
1. whether this adjustment means that the adjustment in the property market regulation policy?
Insiders say the raise that standard, relaxed to some extent the scope of Fund buying second-home loans, but this is a normal adjustment, according to Beijing statistics on per capita housing area of dynamic adjustment of change, has nothing to do and loosening or tightening of market regulation policy.
2. what families can fund loans to buy second homes?
Previous standards, per capita housing floor space less than 29.4 sq m (not included). A case study of a family of three, the first lower than 88.2 square meters of housing accumulation Fund loan can be used two sets.
Calculation
Standard: 29.4 meters/X3 = 88.2 square meters
Standard: 31.31 meters/X3 = 93.93 square meters
This means that, if a family of three, the first suite is 90 square meters, yesterday or unable to fund loans to buy second homes, and today you can.
3. the impact on buyers?
HomeLink real estate market research Department Chief Analyst Zhang says, "area of adjustment based on per capita only raised nearly 2 square meters. Is the raised area is not much, secondly even if the area in line with, but also other policy provisions of the Provident Fund two sets of loans, so that there is a lot of people in line with two sets of loan eligibility. ”
Because of Beijing's Provident Fund loans of 800,000 standard without adjustment, therefore, uses the Provident Fund loans for second homes of the family and not too much, real increases in trading volume in the market expects more limited.
Provident Fund loans on second homes rates
Loan for 5 years and under: 4.4%
Loans over 5 years: 4.95%
Upper quota: 1.04 million
Rate: current, maximum loan 30%, no houses have a credit record, highest loan 40%
Note: the single housing common reserve fund loan up to 800,000 yuan, the individual credit evaluation report evaluation of credit rating of AAA-level loan applicant may 30% increase to 1.04 million Yuan, but usually can borrow 800,000 dollars.
Related news monthly repayment standard synchronous adjustment
This adjustment, there are monthly average wage of staff and workers in housing common reserve fund loan. Last April, the provisions in the municipal loan fund Center-released the new deal, where the average monthly revenue exceeds monthly 3 times the average wage of workers in Beijing times (or more), their monthly payments, in principle, not less than the monthly income of 50%.
According to the latest data protection of City Council and the municipal Bureau of 2013 Beijing workers ' average monthly salary is 5793 dollars. In accordance with loan of differentiated policy regulations, provident loan applicant per capita monthly income exceeded 17379 (3 times of the average), the monthly repayment amount, in principle, should not be less than 8689.5.
In addition, starting today, Provident Fund deposit ceiling will adjust, raised to 4170 dollars. Up to 410 Yuan compared with last year. 2014-housing Provident Fund deposit ratio remains at 12%. Text/reporter Yi Duo
(Original title: Provident Fund loan two sets of lowering the threshold)
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