How to buy a house with provident fund in Xiamen: 10 days of hot topics and practical guide
Recently, Xiamen’s housing provident fund policy has become a hot topic of discussion. This article will combine the hot topics on the Internet in the past 10 days to sort out the process, conditions and precautions for buying a house with provident fund in Xiamen, and attach structured data for reference.
1. Recent hot spots in housing provident fund purchases in Xiamen
1.policy adjustment: The dynamic adjustment of the upper limit of housing provident fund loans in Xiamen has attracted attention.
2.Off-site loan: The policy of mutual recognition of provident funds in different places in the Yangtze River Delta, Fujian and Guangdong regions has been implemented.
3.Extraction conditions: Discussion on new regulations to increase the provident fund withdrawal ratio for renting a house to 80%.
2. Conditions for buying a house with provident fund in Xiamen
| Project | Specific requirements |
|---|---|
| Deposit time | Continuously paying in full for ≥12 months |
| Loan amount | The maximum price for a single person is RMB 720,000, and the maximum price for a double person is RMB 1.2 million. |
| Interest rate standard | 3.1% for the first set and 3.575% for the second set |
| House type | Only for residential commercial properties |
3. Process (latest version 2023)
| steps | Operation content | Materials required |
|---|---|---|
| 1. Pre-qualification | Check loan limit online | ID card, provident fund account number |
| 2. Online visa filing | Sign a house purchase contract | House purchase agreement, down payment voucher |
| 3. Loan application | Provident Fund Center Submit Materials | Proof of income, proof of marriage |
| 4. Mortgage registration | Real estate center handling | Property ownership certificate, mortgage contract |
| 5. Loans | Bank transfer to developer | Loan Notice |
4. Answers to hot questions
1.Q: Can provident funds from other places be used in Xiamen?
A: Currently, mutual recognition is only supported in Fujian Province and some cities in the Yangtze River Delta.
2.Q: What are the criteria for identifying a second house?
A: Taking a family as a unit, the existing housing area is ≥40 square meters, which counts as two units.
3.Q: How to apply for a portfolio loan?
A: It is necessary to meet the dual approval conditions of commercial banks and provident fund centers.
5. Things to note
| Risk point | Precautions |
|---|---|
| Interruption of deposits | Handle provident fund transfer when changing jobs |
| Credit question | Check your personal credit report in advance |
| Material expired | Make sure all certificates are valid |
6. Changes in Xiamen Provident Fund New Policy in 2023
1. New policy for a 20% increase in the quota for "families with multiple children"
2. Implement the "transfer with deposit" model to simplify the process
3. The application scope of electronic certificates is expanded to all businesses
Summary:When purchasing a house with provident fund in Xiamen, you need to focus on the payment time limit, amount calculation and material preparation. It is recommended to conduct simulation calculations in advance through the "Xiamen Provident Fund" WeChat official account. The latest policy shall be subject to the official release.
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