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
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宁波住房公积金政策再传利好。昨天，宁波市住房公积金管理委员会发布消息，购房贷款首付款比例和异地购房及还贷提取政策下月起调整，利用公积金贷款买房门槛降低。
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，从下月起，凡缴存公积金的职工家庭拥有一套住房并已结清相应购房贷款(含住房公积金贷款和商业银行贷款)，为改善居住条件再次申请住房公积金贷款购买第二套自住住房的，商品住房贷款首付款比例不低于30%调整为不低于20%，二手房贷款首付款比例不低于40%调整为不低于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%.
同时调整的还有异地购房及还贷提取政策。缴存职工在浙江省内异地购房及还贷提取住房公积金业务，按照宁波市行政区域内购房及还贷提取住房公积金政策办理。
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.
据介绍，按照原规定，现行缴存职工在宁波市行政区域以外购房，还贷提取住房公积金除需提供比照宁波市行政区域内购房及还贷提取规定的相关资料外，还需提供购房人或配偶在该地工作或系在该地居住的有效证件，或购房者父母、子女系该地居民的有效证件。
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.
此次调整，取消了异地工作和居住的相关证明，缴存职工在浙江省内异地购房及还贷提取住房公积金业务，按照宁波市行政区域内购房及还贷提取住房公积金政策办理。
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，此次异地提取公积金政策适用于本省的11个市。也就是说，如果宁波市民想在杭州、金华、衢州等省内城市买房，同样可以享受本地政策。
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.
(记者：赵皓月综合报道/吴东东译)
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