The accumulation fund policies of Shandong cities are summarized! Falling interest rates
Jinan: The maximum loan amount is 1 million yuan, and various policies are not repeated.
The maximum loan amount for the first and second suites is the same as that for the first suite. For those who purchase ordinary self-occupied housing and apply for housing provident fund loans within the administrative area of Jinan City, the unified maximum loan amount is: the maximum loan amount for employees’ families who have paid housing provident fund for one person is 500,000 yuan, and the maximum loan amount for employees’ families who have paid housing provident fund for two or more people is 800,000 yuan.
Two, two children and above families (at least one child is underage) in our city to buy ordinary self-occupied housing to apply for provident fund loans, the maximum loan amount according to the family’s current maximum loan limit rose by 25%.
Three, the purchase of high-quality housing to apply for provident fund loans, the maximum loan amount according to the family’s current maximum loan limit rose by 20%. High-quality housing is subject to the identification of the housing and construction department.
Fourth, the birth support policy, the policy of "gathering youth to build a dream spring city" and the policy of high-quality housing are based on the principle of high loan amount and are not repeated.
Qingdao: The maximum loan amount of housing provident fund can reach 1.15 million yuan, and various policies can be enjoyed repeatedly.
The first is to increase the loan limit for purchasing second-home housing provident fund. Unified purchase of the first suite and the second suite provident fund maximum loan amount, the maximum loan amount for double-paid employee families is 800,000 yuan, and the maximum loan amount for single-paid employee families is 500,000 yuan.
Second, the housing provident fund loan support policy for families with many children has been extended to the second suite. If a family with many children in our city buys the first or second set of self-occupied housing, the loan amount of housing provident fund can rise by 20%.
Third, the implementation of high-quality housing, green building housing provident fund loan support policy. According to the confirmation opinions issued by the housing and construction department, the amount of housing provident fund loans can be increased by 20% when employees buy new high-quality houses in our city or new commercial houses that reach the current green building evaluation standard of one star or above.
At the same time, on the premise that the loan amount meets the down payment ratio of provident fund loans stipulated by our city, the floating policy of loan amount can be superimposed, and the maximum loan amount of housing provident fund can reach 1.15 million yuan.
Zibo: The maximum loan amount for the first suite is 800,000 yuan, with a maximum increase of 20%.
Raise the maximum loan amount of housing provident fund in our city, and purchase the first and second sets of self-occupied houses in our city to apply for housing provident fund loans, and the upper limit of loan amount remains the same. If both husband and wife have paid the housing provident fund (including joint loan) continuously and normally, the maximum loan amount for the first suite will be increased from 600,000 yuan to 800,000 yuan, and the maximum loan amount for the second suite will be increased from 500,000 yuan to 800,000 yuan; If only one party pays the housing provident fund continuously and normally, the maximum loan amount for the first suite is still 600,000 yuan, and the maximum loan amount for the second suite is raised from 400,000 yuan to 600,000 yuan. Families with many children who purchase houses or prefabricated houses to apply for housing provident fund loans will continue to implement the preferential policy of increasing the maximum amount by 20%. This notice shall be implemented as of the date of issuance.
Zaozhuang: The maximum loan amount for the first suite is 800,000 yuan, with a maximum increase of 20%. Various policies are not repeated.
First, in the city to buy self-occupied housing to apply for housing provident fund loans, the maximum loan amount for the normal deposit of housing provident fund by both husband and wife of the loan worker family is increased from 500,000 yuan to 800,000 yuan, and the maximum loan amount for the normal deposit of housing provident fund by the employee unilaterally is increased from 300,000 yuan to 500,000 yuan.
Two, in line with the national birth policy, families with many children, in our city to buy self-occupied housing to apply for housing provident fund loans, the maximum loan amount rose by 20%.
Three, in the city to buy prefabricated residential or high-quality residential, the maximum loan amount rose by 20%.
Four, families with many children, prefabricated housing, high-quality residential loan quota floating preferential policies are not superimposed.
Five, the purchase of new commercial housing or second-hand housing to extract housing provident fund for a one-time extraction within 3 years.
Six, this policy adjustment does not involve commercial loans, other housing provident fund loans, extraction conditions are still in accordance with the original provisions.
Dongying: The maximum loan amount for the first suite is 600,000 yuan.
First, adjust the loan amount. If an employee’s family purchases the first set of self-occupied housing and has no record of housing provident fund loans, the loan amount will be adjusted from a maximum of 300,000 yuan paid by one person to 400,000 yuan, and a maximum of 500,000 yuan paid by two people to 600,000 yuan.
Second, adjust the calculation coefficient of loan amount. The calculation formula of loan amount is adjusted from 1.5 times of monthly deposit amount × remaining working months to 2 times.
Third, adjust the amount and method of rental withdrawal. For the fixed extraction of rental commercial housing, the total extraction amount of employees and spouses is adjusted from 1300 yuan/month to 1500 yuan/month, which can be extracted once or multiple times a month during the year.
Yantai: The maximum amount is adjusted to 1 million yuan.
(1) The maximum amount of housing provident fund personal housing loan is adjusted from 600,000 yuan to 800,000 yuan.
(2) For the purchase of high-quality houses such as newly-built prefabricated houses and passive ultra-low energy-consumption self-occupied houses (two-star and above green building standards), the maximum amount of individual housing loans for housing provident fund shall be adjusted to 900,000 yuan.
(3) If high-level talents purchase the first family housing, the maximum amount of individual housing loan of housing provident fund will be adjusted to 1 million yuan; Apply for commercial loans to housing provident fund loans, the maximum amount is 800 thousand yuan.
(4) For families with two children and three children who meet the national birth policy, the maximum amount of individual housing loans for housing provident fund is adjusted to 1 million yuan.
Weifang: The maximum loan amount is 1.7 million yuan.
1. The upper limit of the maximum loan amount of the housing provident fund is raised to 800,000 yuan.
2. For families with many children who buy the first set of self-occupied housing in Weifang, the maximum loan amount of housing provident fund is raised to 1 million yuan.
3. High-level talents who meet the conditions for applying for personal housing provident fund loans will apply for housing provident fund loans for the first time in Weifang, and the maximum loan amount will be raised to 1.6 million yuan.
The purchase of high-quality housing, on the basis of the above increase of 100 thousand yuan.
Jining: The maximum loan amount is 1 million yuan, and various policies are not repeated.
First, increase the maximum amount of housing provident fund loans
For families with many children, if they buy the first or second set of self-occupied housing, the maximum amount of housing provident fund loans will be raised to 1 million yuan.
The maximum amount of housing provident fund loans will be raised to 900,000 yuan for employees’ families who buy high-quality houses.
At the same time, for families who meet the above two situations, the maximum amount of housing provident fund loans is the maximum, and it is not accumulated.
Second, other matters that need to be explained
(1) A family with many children refers to a family that raises two or more children (including adult children and minor children). If there is a history of divorced marriage, the number of children shall be approved by custody.
(2) High-quality housing is subject to the identification of the housing and construction department of our city.
(3) The policies not involved in this adjustment shall be implemented according to the original provisions.
Taian: The maximum loan amount of housing provident fund is 1 million yuan.
Notice on Adjusting the Housing Provident Fund Loan Policy of this Municipality, implemented since March 25, 2024. Purchase the first or second set of ordinary self-occupied housing in this city, and both husband and wife of the borrower have paid the housing provident fund continuously and normally. If the loan conditions of this city are met, the maximum loan amount of the housing provident fund is 800,000 yuan; If the borrower is single (including divorced or widowed) or only one of the husband and wife has paid the housing provident fund continuously and normally, and meets the loan conditions of this Municipality, the maximum loan amount of the housing provident fund is 500,000 yuan.
At the same time, increase the amount of housing loans for families with many children. According to the national birth policy, for families with two children and three children, both husband and wife of the borrower have paid the housing provident fund continuously and normally, and if they meet the loan conditions of this city, the maximum loan amount of the housing provident fund is 1 million yuan; If the borrower is single (including divorced or widowed) or only one of the husband and wife has paid the housing provident fund continuously and normally, and meets the loan conditions of this city, the maximum loan amount of the housing provident fund is 700,000 yuan.
Weihai: You can apply for a loan of up to 800,000 yuan, and raise it by 100,000 yuan for families with many children.
After the maximum loan amount is raised this time, if you buy the first set or two sets of self-occupied houses, the dual-employee families whose applicants and spouses meet the loan application conditions can apply for a loan of up to 800,000 yuan; The applicant can apply for a loan of up to 500,000 yuan for a single-employee family who meets the conditions for applying for a loan.
Increase the loan amount for families with many children. The maximum loan amount for families with two or more minor children to purchase self-occupied housing will be increased by 100,000 yuan.
Liaocheng: The maximum loan amount is 600,000 yuan, and the number of families with many children rises by 10%.
Adjust the housing provident fund loan policy. The maximum amount of family loans paid by dual employees was raised from 500,000 yuan to 600,000 yuan, and the maximum amount of family loans paid by single employees was raised from 300,000 yuan to 400,000 yuan. The minimum down payment ratio of the first-home housing provident fund loan was reduced from 30% to 20%, and the minimum down payment ratio of the second-home housing provident fund loan was reduced from 40% to 30%. Families with many children who have paid housing provident fund in our city apply for housing provident fund loans by purchasing the first set of self-occupied housing in our city, and the maximum loan amount will rise by 10% on the premise of meeting the requirements of down payment ratio.
Rizhao: the maximum is 1 million yuan, and the policy is not superimposed.
The first is to increase the maximum amount of housing provident fund loans. If both employees and spouses meet the loan conditions, the maximum loan amount will be raised to 800,000 yuan; If the loan conditions are met unilaterally, the maximum loan amount will be raised to 600,000 yuan. The first and second sets of housing provident fund loans have the same maximum loan amount.
The second is to increase the maximum amount of housing provident fund loans for families with many children. For families with two or more children, the maximum loan amount will be raised to 1 million yuan if both employees and spouses meet the loan conditions, and to 800,000 yuan if they meet the loan conditions unilaterally.
The third is to use housing provident fund loans to purchase prefabricated houses and high-quality houses, and the maximum loan amount will rise by 20%. High-quality housing is subject to the identification of the housing and construction department.
The fourth is to increase the calculation multiple of the loanable amount of housing provident fund loans. The loanable amount is 20 times of the normal deposit balance of the housing provident fund of both employees and spouses.
The fifth is to adjust the deposit conditions of housing provident fund loans. The deposit conditions of employee housing provident fund loans are adjusted to "continuous full deposit of housing provident fund for more than 6 months (inclusive)".
Sixth, optimize the bidding conditions for commercial housing loans to housing provident fund loans. If the employees and their spouses who have paid in this Municipality have never applied for housing provident fund loans or the first housing provident fund loans have been settled, they may apply for business transfer. It is no longer stipulated that "the borrower should be the borrower who applied for commercial housing loans after January 1, 2017, and the borrower and spouse have not applied for provident fund loans".
Items (1) to (3) are phased support policies, valid until March 31, 2025. At the same time, if a number of policies to increase the loan amount of housing provident fund are applied to families with many children, prefabricated houses, high-quality houses, youth talent policies, etc., the calculation will not be superimposed, and the highest loan amount will prevail.
Binzhou: The maximum is 800,000 yuan, and the number of families with many children rises by 20%. The policy is not superimposed.
Buy self-occupied housing in Binzhou to apply for housing provident fund loans, and both husband and wife of the loan workers will pay normally, and the maximum loan amount will be raised from 600,000 yuan to 800,000 yuan; The loan employee pays the deposit unilaterally, and the maximum loan amount is increased from 400,000 yuan to 500,000 yuan. The upper limit of the first and second sets of housing provident fund loans is consistent.
If the loan employee is a family with many children, the maximum loan amount will rise by 20%. If the loan workers purchase high-quality houses and apply for housing provident fund loans, the maximum loan amount will rise by 20%. High-quality housing is subject to the identification of the housing and construction department.
At the same time, if there are more than two loan quota support policies for families with many children, high-quality houses and high-level talents, the maximum loan quota will not be superimposed, and the highest loan quota in the applicable policies will prevail.
Dezhou: The maximum loan is 700,000 yuan, and there are many kinds of floating policies.
First, increase the maximum loan amount of housing provident fund. The maximum loanable amount for one party to pay the provident fund is 600,000 yuan, and the maximum loanable amount for both husband and wife to pay the provident fund is 700,000 yuan.
Two, the purchase of new high-quality residential housing provident fund loans within the administrative area of Dezhou, an increase of 100 thousand yuan on the basis of the original maximum loan amount.
Three, full-time college graduates and above, in the administrative area of Dezhou city to buy self-occupied housing and use housing provident fund loans, on the basis of the original maximum loan amount increased by 100 thousand yuan.
Four, families with many children to buy self-occupied housing and use housing provident fund loans, an increase of 150 thousand yuan on the basis of the original maximum loan amount.
Linyi: The maximum loan amount is 1.1 million yuan.
If employees who meet the housing provident fund loan conditions buy high-quality houses, the upper limit of the loan amount will rise by 100,000 yuan on the original basis, that is, the maximum limit of the loan amount for single employees is 600,000 yuan, and the maximum limit of the loan amount for dual employees is 900,000 yuan.
Families with many children who buy high-quality housing can also enjoy the floating policy of provident fund loan quota for families with many children. After superposition, the maximum loan amount for a single employee’s two-child family is 700,000 yuan, and the maximum loan amount for a family with three children or more is 800,000 yuan; The maximum loan amount for families with two employees and two children is 1 million yuan, and the maximum loan amount for families with three children and above is 1.1 million yuan.
Heze: The maximum loan amount is 720,000 yuan, and various policies are not repeated.
If a family with many children who meet the national birth policy buys the first set of self-occupied housing or a family with many children with minor children buys self-occupied housing, the maximum loan amount will be increased by 100,000 yuan: for families where both husband and wife normally pay the housing provident fund, the maximum loan amount will be 700,000 yuan; For families who have paid the housing provident fund unilaterally, the maximum loan amount is 500 thousand yuan.
If housing provident fund depositors use provident fund loans to purchase prefabricated houses, the maximum loan amount will rise by 20%: for families where both husband and wife normally pay housing provident fund, the maximum loan amount is 720,000 yuan; For families who have paid the housing provident fund unilaterally, the maximum loan amount is 480,000 yuan.
If a number of housing provident fund loan quota support policies are applicable to families with many children, high-level talents and the purchase of prefabricated houses, the highest loan quota shall prevail.
Original title: "The accumulation fund policies of Shandong cities are summarized! Falling interest rates "
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