Entering, the best news for the majority of property buyers in Anhui is the implementation of off-site provident fund loans, especially for those who want to buy a house in Hefei. Hefei public loan, which has been pending before, has finally reached a conclusion: Anhui province's off-site provident fund can buy a house in Hefei.

Hefei foreign loan couples can borrow up to 450 thousand.

65438+February 3 1, Hefei Housing Provident Fund Management Center announced two good news, one is to change the deposit period of applying for provident fund loans from one year to half a year, and the other is to implement public loans in different places in Hefei.

According to the announcement, employees who are currently registered in the administrative area of Hefei, are employed in other cities in the province and pay the housing provident fund normally. If they buy their own houses in Hefei, they can apply for personal housing loans from the housing provident fund management center with the payment certificate issued by the housing provident fund management center.

According to the telephone consultation of Hefei Housing Provident Fund Management Center, as long as employees have paid the provident fund in different places for 6 months and their household registration is in Hefei, they can apply for provident fund loans when they buy a house in Hefei. The maximum loan amount is 350,000 for a single person and 450,000 for a double person, and the longest loan period is 20 years. Regarding the loan time, the other party said, "I'm not sure. It depends on the queuing situation of the applicants before. I will inform you by SMS after the loan is issued."

Formula for calculating the loan amount of provident fund (assuming that both husband and wife have provident fund): the sum of the deposit bases of both husband and wife × 12×0.5×20.

The twists and turns of Hefei's road to foreign loans

It is not easy to carry out public loans in different places in Hefei. It is understood that in August last year, the Provincial Housing and Construction Department issued a document, and from September of that year, 1 implemented the housing provident fund loan policy in different places in the province. The so-called public loan in different places means that employees can apply for provident fund loans at the deposit place or the location of the house. Since September last year, other cities in the province have also begun to implement this policy, but Hefei is the only one. The main reason is that the loan-to-deposit ratio of Hefei Provident Fund is relatively high and the funds are relatively tight. The system of waiting for loans is implemented, and there is only a fixed loan amount every month.

Later, Hefei announced the implementation of "public transfer business" discount loans, that is, citizens who meet the conditions of provident fund loans can apply for commercial loans, and the interest difference between them is subsidized by the center. This move greatly eased the pressure on the provident fund funds, and also allowed the public loans in different places in the province to "land" in Hefei.

In addition, Hefei Provident Fund can not only communicate with other cities in the province, but also be loaned and used with cities such as Wuhan, Changsha and Nanchang. In this regard, the four cities have signed relevant agreements, but the policy details have not yet been issued, and it will take some time to really implement them.