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How to buy a house with Xiamen provident fund

2025-11-03 21:37:24 Real Estate

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

How to buy a house with Xiamen provident fund

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

ProjectSpecific requirements
Deposit timeContinuously paying in full for ≥12 months
Loan amountThe 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 standard3.1% for the first set and 3.575% for the second set
House typeOnly for residential commercial properties

3. Process (latest version 2023)

stepsOperation contentMaterials required
1. Pre-qualificationCheck loan limit onlineID card, provident fund account number
2. Online visa filingSign a house purchase contractHouse purchase agreement, down payment voucher
3. Loan applicationProvident Fund Center Submit MaterialsProof of income, proof of marriage
4. Mortgage registrationReal estate center handlingProperty ownership certificate, mortgage contract
5. LoansBank transfer to developerLoan 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 pointPrecautions
Interruption of depositsHandle provident fund transfer when changing jobs
Credit questionCheck your personal credit report in advance
Material expiredMake 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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