Shanghai to raise the threshold for Provident Fund loan applications loan need to even pay for 2 years

Provident Fund loans imminent policy tightening.

Exclusively for journalists was informed that the surging, with the Shanghai property market introduction of the new deal, Shanghai Fund lending policies to tighten, application for Provident Fund loans to improve second homes, ordinary housing down payment not less than 30% to be pulled back no less than 50%, not common housing down payment not less than 60% to be pulled back no less than 70%.

In addition, the pure combination of Provident Fund loans and loan threshold is also up, from continuous to pay 6 months raise fund to pay for 2 years in a row provident funds can apply for loans.

It is reported that most of Shanghai Bank has intensified its application portfolio of loans, Provident Fund loan policies are expected as soon as this week.

Close Fund Management Center in Shanghai said this on March 25, Shanghai put on further improvement of housing in the city system and to protect the system and promote a stable and healthy development of the real estate market (later called "number of comments") referred to in the policy and supporting policies in place.

According to the opinions, for households with 1 housing, to improve living conditions for personal commercial housing loan to buy a normal home again, down-payment not less than 50%; purchase of ordinary housing, down-payment not less than 70%.

According to the Provident Fund hotline Shanghai 12329 introduction, present Provident Fund loan was completed 6 months continuous payment of Provident Fund, in addition to purchasing improvement of two sets of conditions is, in this city with 1 home, apply for primary lenders, and spouses and children of Provident Fund loans, per capita housing area is less than equal to 35.5 meters, again applied for Provident Fund loans to buy second homes, as improved two sets. Improved two sets of houses for ordinary residence, the down payment of not less than 30%, interest rates for more than five years 3.25%, the five-year-2.75%; improved two sets of non-ordinary residence, the down payment of not less than 60%, floating interest rate 1.1 times.

(Editors: Biao Guo UN832)
2016-03-31 19:40:56
Surging news

上海拟提高公积金贷款门槛 申请贷款需连缴满2年

　　公积金贷款政策收紧在即。

　　澎湃新闻记者独家获悉，随着上海楼市新政出台，上海公积金贷款政策也将相应收紧，申请公积金贷款购买改善二套房，普通住宅首付比例将从原先不低于30%提升至不低于50%，非普通住宅的首付比例将从原先不低于60%提升至不低于70%。

　　此外，申请纯公积金贷款及组合贷款的门槛也相应提升，由原来连续缴满6个月公积金提升至连续缴满2年公积金才可以申请公积金贷款。

　　据悉，上海大部分银行已经加紧办理申请组合贷款资料，公积金贷款政策预计最快在本周出台。

　　接近上海市公积金管理中心人士表示，这是对3月25日，上海出台的《关于进一步完善本市住房体系和保障体系促进房地产市场平稳健康发展的若干意见》（后简称“若干意见”）中提及的政策，出台的配套政策。

　　根据《若干意见》，对拥有1套住房的居民家庭，为改善居住条件再次申请商业性个人住房贷款购买普通自住房的，首付款比例不低于50%；购买非普通自住房的，首付款比例不低于70%。

　　根据12329上海市公积金热线介绍，现行申请公积金贷款，是连续缴纳公积金满6个月，此外购买改善二套的条件是，在本市拥有1套住房，申请公积金贷款的主贷人以及配偶和子女，人均住房面积低于等于35.5平方米，再次申请公积金贷款购买二套房，视为改善二套。改善二套房子为普通住宅，首付比例不低于30%，利率为五年以上3.25%，五年以下为2.75%；改善二套为非普通住宅，首付比例不低于60%，利率上浮1.1倍。

(责任编辑：郭彪 UN832)
2016-03-31 19:40:56
澎湃新闻