具体来看，一方面，对于职工家庭购买首套或者第二套改善性自住房申请公积金贷款的，最低首付款比例统一调整为20%，组合贷款同步调整。另一方面，对于单身缴存职工购买第二套改善性自住房为“新建商品房”的可以申请公积金贷款。据悉，此前公积金贷款仅支持单身职工购买首套自住房。1. Employees' families purchasing first or second improved self-occupied housing with provident fund loans shall have the minimum down payment ratio uniformly adjusted to 20%; 2. For class A, B, C, D high-level talents, the maximum loan amount for purchasing first self-occupied housing can be increased to 4 times the maximum loan amount in Changsha.
On November 18, Caijing News Agency (Reporter: Shi Sitong) reported that real estate support policies continue to emerge. In recent times, Beijing, Shanghai, Shenzhen, Hangzhou, Chengdu, Chongqing and other places have successively adjusted housing provident fund policies, involving various aspects such as provident fund withdrawal, increasing loan limits, supporting cross-regional home purchases, etc.
On the afternoon of November 18, Changsha Housing Provident Fund released the "Notice on Adjusting Housing Provident Fund Loan Policies". Caijing News Agency reporters found that this adjustment covers various groups including employee families, single employees, cross-regional deposit employees, and high-level talents, involving aspects such as reducing down payment ratios, relaxing restrictions on provident fund loan purchases, increasing loan limits, etc. Some high-level talents can even have the maximum loan amount for purchasing the first house up to 4 times the local maximum loan amount.
Specifically, on the one hand, for employee families applying for provident fund loans to purchase first or second improved self-occupied housing, the minimum down payment ratio is uniformly adjusted to 20%, and combined loans are adjusted simultaneously. On the other hand, for single deposit employees purchasing the second improved self-occupied housing as "new commodity housing", they can apply for provident fund loans. Previously, provident fund loans only supported single employees purchasing their first self-occupied houses.
Furthermore, after this adjustment, cross-regional loans are no longer restricted to the deposit city, but still only support new commodity housing. According to the "Notice", cross-regional deposit employees purchasing first or second improved self-occupied housing as new commodity housing, can apply for provident fund loans from the Changsha Housing Provident Fund Management Center (including provincial branch centers).
In addition, high-level talents in Class A, B, C, D in Changsha as the main borrowers applying for provident fund loans are not restricted by deposit time, and the maximum loan amount for purchasing first self-occupied housing can be increased to 4 times the maximum loan amount in Changsha.
Caijing News Agency reporters learned that prior to this adjustment, the minimum down payment ratios for first self-occupied housing provident fund loans and combined loans in Changsha were 20% and 30%, respectively, while the minimum down payment ratios for second improved self-occupied housing provident fund loans and combined loans were both 40%.
However, it is worth mentioning that after the release of the "Notice", the minimum down payment ratio for the above first and second provident fund loans has been uniformly adjusted to 20%. While the provident fund loan part of combined loans is adjusted simultaneously, for the commercial bank loan part with different regulations, the higher regulations are still followed.
Regarding the above policy adjustments, Yan Yuejin, Deputy Director of the Shanghai E-House Real Estate Research Institute, believes that this time Changsha's provident fund has unified the down payment ratio for first and second homes, reducing the threshold for purchasing a home and allowing more people to enjoy the policy of applying for a low down payment with the provident fund. At the same time, the coverage of provident fund loans has been further expanded, especially for single workers who are generally guaranteed for the first home. This adjustment has also included second homes in the scope of provident fund loan support.
Overall, in Yan Yuejin's view, the policy optimization intensity of Changsha's provident fund this time is quite significant. It further enhances support for residents in various aspects, while also benefiting the revitalization of provident fund funds and playing a role in housing security through provident funds.
In his opinion, the adjustments made to the provident fund loans in the Changsha area this time involve four aspects, all of which show that there is still room for further optimization of current policies, especially the provident fund policy, which will continue to create new opportunities to reduce housing costs for residents.
