On February 7th, according to the WeChat WeChat official account "Dandong Release", in order to implement the relevant requirements of "Several Policies and Measures to Further Stabilize the Economy in Liaoning Province", earnestly safeguard the legitimate rights and interests of employees who have paid the provident fund, enhance the support for the use of employees’ housing provident fund, and promote the virtuous circle and stable and healthy development of the real estate industry in Dandong City, the Housing Provident Fund Management Center of Dandong City, Liaoning Province recently issued the "Notice on Further Adjusting the Relevant Policies of Housing Provident Fund".
According to the New Deal, employees of enterprises affected by the epidemic who apply for provident fund loans and withdraw the provident fund before June 30, 2023 can be regarded as normal continuous deposit of the provident fund and are not affected by the deferred payment.
At the same time, the second application for provident fund loans by paid employees is no longer limited by the interval of more than 12 months, and they can apply for loans again after the first housing provident fund loan is settled.
In addition, expand the scope of cooperative banks for provident fund portfolio loans. On the basis of cooperating with China Construction Bank and Agricultural Bank to carry out portfolio loan business, ICBC and Bank of Communications will be added as new cooperative banks, and the amount of market funds will be increased to meet the demand for employee loans to the maximum extent.
The New Deal also proposed that in order to alleviate the financial pressure of real estate development enterprises and help the development of enterprises, the proportion of phased guarantee deposits for frozen development enterprises will be lowered from 10% to 5%.
Prior to this, Dandong Housing Provident Fund Management Center issued a notice on January 9 on the "Detailed Rules for the Implementation of Personal Housing Provident Fund Loan Management in Dandong". The "Implementation Rules" clarify that the maximum loan amount for Dandong City to apply for individual housing provident fund loans is 800,000 yuan, and the first set of commercial housing is purchased, and the provident fund loan amount shall not exceed 80% of the purchased housing price; It will come into force on February 1, 2023.
In terms of down payment ratio, the down payment ratio for applying for provident fund loans to purchase the first set of commercial housing is not less than 20%; If the previous housing provident fund loan has been settled and the loan is applied for to purchase commercial housing again to improve the conditions, the down payment ratio shall not be less than 40%; If there is an outstanding commercial housing loan under the name of both husband and wife, it shall be determined as the second home loan, and the down payment ratio for purchasing the second home loan shall not be less than 50%; The down payment ratio for purchasing second-hand housing is not less than 40%; The down payment ratio for purchasing non-ordinary commodity housing shall not be less than 30%.
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