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News
Effective 30 september 2024
First and second housing units in 20 cities in fuoshan paragraph
Minimum down payment rate flat 15%
1 november 2024
Fuoshan can draw from the housing provident fund
Payment of down payment for house purchase
Fuoshan's gonna get a down payment
Fukuyama city housing fund management centre
Sequestration of housing fund to pay down payment for house purchase
Notification of relevant matters
Employees, real estate development enterprises with all their contributions to the housing fund:
To further develop the role of the security of the housing fund system and to reduce the financial pressure on deposit workers to purchase housing, the nine departments, including the housing and urban and rural construction authority of foshan city, issued circulars on a number of measures to sustain the smooth and healthy development of the real estate market, in accordance with the housing provident fund regulations (2024) no. 36), the following is the notification concerning matters relating to the withdrawal of the public deposit fund to cover the down payment for the purchase of the house (hereinafter referred to as the first withdrawal for the purchase):
I. Terms of extraction
A person who has made a deposit in this municipality (hereinafter referred to as the employee) or his spouse to purchase a new commercial home in the administrative area of the city of foshan and to use a housing loan may apply for a first-payment withdrawal。
In order to protect against risk and to support the down payment for the project, the real estate development company shall file the case with the housing fund management centre (hereinafter referred to as the provident fund centre) in foshan city。
Time frame and frequency of extraction
The employee shall submit an application, which may be withdrawn once, prior to filing a contract for the purchase and sale of a merchandise house。
Level of withdrawal
(i) the drawing shall not exceed the amount of the down payment for the purchase of the house。
(ii) the balance of the personal housing fund account shall be retained after withdrawal not less than $500。
Processes
(i) building filing. The real estate development firm filed with the provident fund centre to support the purchase of the loaned project building。
(ii) a request for withdrawal. Upon signing a letter of purchase for the commodity house, the employee submits a first-payment withdrawal request for the purchase of the house to the provident fund centre prior to filing a contract for the purchase of the commodity house。
(iii) allocation of funds. Following the filing of a contract for the purchase and sale of a commercial house, the central bank of the provident fund transfers funds to the bank accounts of the contracted real estate development enterprises。
Processing of materials
(i) building filing
Pre-sale licences for commodity houses or documentation of the current sale of commodity houses
2. Letter of commitment
(ii) claims for withdrawal
1. Taking the applicant's identity card
2. Commodity house subscription or commodity house purchase contract
3. Lump-sum drawing commitment
4. Marriage certificate (if during marriage a home is purchased and only the name of the spouse is registered, it should be provided)
Vi. Related matters
(i) when an employee makes a first payment for the purchase of a home in the municipality, when applying for a loan from the housing provident fund for the same housing unit, the housing deposit to cover the first payment for the purchase of a home may be calculated as a contribution to the loan line。
(ii) in the event of the termination, cancellation or invalidation of the contract for the purchase or sale of a commodity house, the real estate development enterprise shall return the collected housing fund in full to the special household of the provident fund centre, which shall account for the refunded funds in the personal housing fund account of the employee, prior to the cancellation of the contract for the purchase or purchase of a commodity house。
(iii) when the employee applies for a down payment for the purchase of a home, the withdrawal will automatically be withdrawn if the contract for the purchase and sale of a commodity is not filed within one year。
(iv) this number is not included in this notification under or over。
(v) this notification shall enter into force on 1 november 2024 and shall remain in force for a period of five years。
Fushan city housing fund management centre
27 september 2024
First and second housing units in 20 cities in fuoshan paragraph
Minimum down payment rate flat 15%
On 30 september, the people's bank of china, in the official letter of the guangdong provincial branch, released " financial support for real estate policy fast on land " 。
In order to follow up on the implementation of the party's central and state council decision-making and to better support urban and rural residents in improving their demand for affordable and diversified housing, and to promote the smooth and healthy development of the guangdong real estate market, the self-regulatory mechanism for setting interest rates in the guangdong market, in accordance with the circular of the general directorate of state financial supervision of the people's bank of china on the policy of optimizing the minimum rate of down payment for individual housing loans, in accordance with the principles of city-driven planning, and in accordance with the changing situation in the local real estate market and the requirements of the municipal authorities, has made the following adjustments to the policy for individual housing loans in the 20 cities of guangzhou city, chuhai city, hao city, fushan city, xuan city, dongzhou city and yunwoo city:
For households that have made loans to purchase housing, commercial personal housing loans no longer distinguish between first and second homes, with a flat minimum down payment of 15 per cent. This policy was implemented from 30 september 2024。
It's worth mentioning
During the fourth of july, several buildings in the south china sea came online with surprises
A strong "98% discount on the national day."
"the house will be bought at a discount of 300,000."
“three-year management fee paid”
"buy a house for home furniture and electricity" and so on. Package
Let's not miss it
