宁波下调公积金贷款政策 首付比例下调10% Ningbo reduced the housing provident fund loans with 10% reduction of down payment

資料圖

　　甯波住房公積金政策再傳利好。昨天，甯波市住房公積金管理委員會發布消息，購房貸款首付款比例和異地購房及還貸提取政策下月起調整，利用公積金貸款買房門檻降低。

　　More good news of housing common reserve fund policy has come in Ningbo. Yesterday, the Ningbo housing Provident Fund Management Committee released that the mortgage down-payment ratios and extracting policy of offsite housing and mortgage would be adjusted next month and the provident mortgage threshold would be lowered.

　　新政策指出，從下月起，凡繳存公積金的職工家庭擁有一套住房並已結清相應購房貸款(含住房公積金貸款和商業銀行貸款)，爲改善居住條件再次申請住房公積金貸款購買第二套自住住房的，商品住房貸款首付款比例不低于30%調整爲不低于20%，二手房貸款首付款比例不低于40%調整爲不低于30%。

　　New policy pointed out that, from next month, to worker-families with deposit of provident fund who own a housing and had settled corresponding purchase loan (containing housing provident fund loan and commercial banks loan), applying for a second housing for improving live conditions, the housing loan down payment rate would be adjusted to no less than 20% instead of 30%, the second-hand house loan down payment rate would be adjusted to no less than 30% instead of 40%.

　　同時調整的還有異地購房及還貸提取政策。繳存職工在浙江省內異地購房及還貸提取住房公積金業務，按照甯波市行政區域內購房及還貸提取住房公積金政策辦理。

　　The policy of extracting offsite housing and mortgage was adjusted at the same time. Paid workers in Zhejiang Province with extracting offsite housing and mortgage housing Provident Fund business could handle in accordance with the purchase and extraction of the loan within the administrative area of Ningbo housing provident fund policies.

　　據介紹，按照原規定，現行繳存職工在甯波市行政區域以外購房，還貸提取住房公積金除需提供比照甯波市行政區域內購房及還貸提取規定的相關資料外，還需提供購房人或配偶在該地工作或系在該地居住的有效證件，或購房者父母、子女系該地居民的有效證件。

　　According to reports, in addition to the provision of relevant files required by the administrative area of Ningbo city, the existing paid workers who purchase housing and repay outside the administrative area of Ningbo need to provide valid documents of the residents of the purchaser or spouse in the working or living in the transcripts, or their parents’ and children’s according to the original provisions.

　　此次調整，取消了異地工作和居住的相關證明，繳存職工在浙江省內異地購房及還貸提取住房公積金業務，按照甯波市行政區域內購房及還貸提取住房公積金政策辦理。

　　The adjustment has canceled related proving materials of working and living in different places, the extracting offsite housing and mortgage housing provident fund business of paid workers in Zhejiang Province can be handled in accordance with the purchase and extraction of the loan within the administrative area of Ningbo housing provident fund policies.

　　值得一提的是，此次異地提取公積金政策適用于本省的11個市。也就是說，如果甯波市民想在杭州、金華、衢州等省內城市買房，同樣可以享受本地政策。

　　It is worth mentioning that the offsite provident fund policy is applied to 11 cities in Zhejiang. If residents of Ningbo want to purchase a house in Hangzhou, Ningbo, Jinhua, Quzhou and other cities with the province can also enjoy the local policy.

　　(記者：趙皓月綜合報道/吳東東譯)

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