Provident Fund Mortgage Regulation to the commercial and credit line

Commercial News (reporter Qilin) the property market regulation of strict, Provident Fund loans closely follow commercial loans. Yesterday, the Ministry of Housing and Construction department and other four departments issued the "on the regulation of Residential Provident Fund housing loan policy related issues notice" (hereinafter referred to as "notice"), expressly prohibit the use of Provident Fund loans for speculative purchase, and the two-suite Provident Fund loans down payment ratio to 50%,　　The loan interest rate is not less than 1.1 times times of the first suite, and the object is limited to the existing per capita housing floor area below the local average level of the paid workers households. The biggest change in the new deal on the Provident Fund loan is about the second suite, which increases the loan threshold. At the same time, the "notice" confirmed again, Provident Fund loans to buy 90 square meters of the following first suite, down payment ratio of not less than 20%, 90 square meters above 30%, and three suites to stop lending.　　Analysis that commercial loans and Provident Fund loans both tightened, the housing market to form further pressure, housing price adjustment is expected to accelerate. This is the first time in the Provident Fund loan differential interest rate situation, 2008 regulation of the time did not appear. "21st Century Real Estate Group market director Lin Lei that the differential interest rate of Provident Fund loan means that individual housing loan has completely realized the differential interest rate regulation." From the content of regulation, it completely copied a series of differential measures of commercial loans. "This is the regulation of another overweight.　　"Lin Lei that after this Provident Fund loan interest rate adjustment, now individual housing loan regulation already is very stern."　　Credit institutions "Wai Ka on the" senior analyst Hao said, the General Provident Fund to do two of the basic loans are to improve the demand, this proportion accounted for the overall use of Provident Fund loan ratio of about 40%, in other words, this adjustment will affect the 40% Provident Fund users. Reporter calculate a sum, to Beijing Housing Provident Fund General maximum limit of 800,000 yuan loans for example, if the loan cycle for 20, in the implementation of 1.1 times times before the interest rate, home buyers monthly repayment of 4868.9 yuan, the implementation of 1.1 times times interest rate, monthly repayment of 5041.8 yuan, the monthly increase of about 172 yuan.　　However, compared with commercial loans, the amount of Provident Fund loan is limited, but its relatively low loan interest rate makes it the first choice for low-income buyers, especially after the hike channel opened. "Chain Home Real Estate," the chief market analyst type Builded with said, in Beijing, for example, according to the 2007 Bureau of Statistics published by the 27.07 square meters per capita standards, a family of three families to meet the household name of the existing only one by one housing and building area of less than 81.21 (27.07x3) square meters, Can use Provident Fund loans to buy a second suite, but this requires Provident Fund Management Center and the relevant departments of the local tax system docking, to identify the first set of Housing Provident Fund applicants. Therefore, the current audit per capita housing construction area and whether loans for the purchase of improved living conditions of ordinary from the housing still difficult.