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杭州放宽公积金贷款政策 贷款年限最长延至50年
Hangzhou relax the loan term of the loan policy of the maximum length of the provident fund to 50 years
     发布时间:2016-03-13 07:42:22    

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  注意啦!为进一步加大住房公积金贷款对职工自住住房消费的支持力度,杭州住房公积金管理中心日前正式下发通知调整住房公积金贷款相关政策,职工使用住房公积金贷款购买二手房,贷款首付比例最低为20%,同时杭州市域外公积金异地贷款条件也正式放宽。

Pay attention to you! In order to further increase the housing provident fund loans to workers of owner occupied housing consumption support, housing provident fund management center in Hangzhou formally a few days ago issued notice to adjust the housing provident fund loans related policies, workers housing provident fund loans to buy second-hand housing, loans down payment ratio the lowest 20%, also Hangzhou foreign different loan fund condition also officially relaxed.

  根据该新政策,使用公积金贷款购买首套房为二手房,房龄为5年(含)以内且建筑面积在140平方米以下的,贷款首付比例不低于20%;建筑面积在140平方米(含)以上的,或房龄为5年以上20年(含)以内的,贷款首付比例不低于30%;房龄为20年以上的,贷款首付比例不低于40%。同时,使用公积金贷款购买二手房的贷款期限加房龄最长年限,由40年放宽至50年。

According to the new policy, use provident fund loans to buy the first suite for second-hand housing, the age of within 5 years (inclusive) and a building area of 140 square meters, the proportion of the first payment of loans not less than 20%; construction area in 140 square meters (including) above, age or for not less than five years and not more than 20 years (including) within that the first payment of loans ratio of not less than 30%; age for more than 20 years, the first payment of loans ratio of not less than 40%. At the same time, the use of provident fund loans to buy second-hand housing loan period with the longest period of age, relax from 40 years to 50 years.

  此外,新政策明确放宽公积金异地贷款条件,对在杭州市域外正常缴存住房公积金的职工,在杭州市购买自住住房,可向杭州住房公积金管理中心及其分中心申请办理住房公积金个人异地贷款,其贷款条件、贷款额度、办理程序等执行杭州市住房公积金贷款相关政策规定。(作者:俞舒珺综合报道 王凯伦/译)

In addition, the new policy clearly relaxed provident fund loans in different places conditions, workers in Hangzhou city outside the normal housing provident fund deposit, in Hangzhou City, the purchase of owner occupied housing, to Hangzhou housing provident fund management center and sub center to apply for housing provident fund personal loans in different places, the conditions of the loan, the loan amount, for program execution of Hangzhou city housing provident fund loans related policy provisions. (Comprehensively reported by Shu Jun Yu Kai Lun Wang/Translate)

来源: 中国网综合    | 作者:中国网综合    | 责编:俞佳慧     电子信箱:184042016@qq.com    

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