Housing Provident Fund loan out New deal: Two suite down payment at least 50%

Ministry of Housing, Urban and rural construction the Ministry of Finance, the People's Bank, the CBRC jointly issued the "on the Standardization of Housing Provident Fund Housing loan policy related issues of the notice" on the use of Provident Fund loans to buy from the housing down payment provisions, and stop to buy the third set of housing and above the payment of Housing Provident Fund personal housing loans. In some of the housing prices too high, rising too fast cities, some pay workers to use Housing Provident Fund personal loans to buy the second and more housing, not entirely for their own lives, does not conform to the Housing Provident Fund Management Regulations, the impact of Housing Provident Fund play a mutual aid role and system fairness. To this end, the notice stipulates that Housing Provident Fund personal housing loans can only be used to pay workers to buy, build, renovated, overhaul ordinary from housing.　　It is prohibited to use Housing Provident Fund Personal housing loan for speculative purchase.　　Notice requirements, the Housing Provident Fund Management Committee in accordance with the actual, in order to support the payment of workers to buy ordinary housing loan requirements as the principle of reasonable determination of the maximum amount of personal loans for Housing Provident Fund, and according to the provisions of the record.　　According to the Xinhua News Agency Provident Fund loan Policy Adjustment First Suite use Housing Provident Fund personal housing loans to buy the first set of ordinary home, the set of building area of 90 square meters (including) below, the first payment ratio of loans shall not be less than 20%.　　If the construction area is above 90 square meters, the ratio of the first payment of loans shall not be less than 30%.　　Second Suite Housing Provident Fund the object of personal housing loan is limited to the existing per capita housing construction area below the local average level of pay into the family, and the loan is limited to purchase to improve the living conditions of ordinary home.　　The second Housing Provident Fund Personal housing Loan first payment ratio shall not be less than 50%, the loan interest rate must not be lower than the first Housing Provident Fund Housing loan interest rate of 1.1 times times.　　China's 76 cities October housing prices rose according to the Chinese real Estate Index system hundred City Price index to 100 cities, the full sample survey data, October nationwide 100 cities residential average price of 8418 yuan/square meters, compared to September 0.66%, of which 76 cities rose in the chain, 24 cities fell on the chain. The average price of the top ten cities in the country Rose 41.44%.　　Among them, Hangzhou rose the biggest, rose 55.57%, Shanghai, Nanjing, Shenzhen, Tianjin, Chongqing, Guangzhou, 6 cities rose between 30%~50%. According to the information Times-the first mention of 1.1 times times interest rate loans 800,020 years to increase the 172 yuan Beijing central Plains, compared to the previous Provident Fund regardless of the first set of the second set, all the implementation of the benchmark interest rate, the new deal for the first time mentioned Provident Fund differential treatment First suite and improve the demand for The second set of Housing Provident Fund loan interest rate should not be lower than the first set of Housing Provident Fund loan interest rate of 1.1 times times, 4.455%.　　Tightening of the housing speculators Use Provident Fund loopholes.　　To two Suites Provident Fund loans for 800,020 years, for example, the monthly increase in interest rates will be increased by 172 yuan. -The view still needs to supplyKeep up with the vice president of the China Real Estate and Housing Research Association Guyunchang that the Provident Fund loan policy has been in line with commercial loans, but the former has room for the first suite, reflecting its support for low-income buyers, and encourage the purchase of small families.　　The limit of the two suite of objects, reflects the Provident Fund for ultra-high standards of the improvement of demand for repression. The background to these policies, he says, is that the current housing market is seriously short of stock.　　Limited-Purchase limit loans are only a phased approach to balance the supply relationship, the long-term demand is still in supply.　　Yang Yong, an analyst with the real estate industry, who will speed up house-price adjustment, said the interest rate adjustment followed the old idea of restraining demand, speeding up the adjustment of house prices and speeding up the arrival of two of its dip. In his view, the short-term impact on the real estate is the purchase policy, the current new policy is actually in the original policy of the overweight, the risk has been gradually released. According to Sina