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On December 8, the Changsha Municipal Housing Provident Fund Management Committee and the Changsha Housing Provident Fund Management Center issued three new policies. The New Deal clearly optimizes the criteria for determining the number of housing units. When working families with two or more children buy newly built commercial housing and apply for a provident fund loan, the number of existing housing units in Changsha can be reduced by one, and the corresponding interest rate will be implemented according to the number of units after reduction. At the same time, offsite depositors apply for an provident fund loan to buy a house in Changsha. They no longer check the housing situation at the main borrower's deposit site; they only use local housing registration information in Changsha to determine the number of units, further lowering the threshold for offsite home purchases. Changsha has added a commercial bank housing loan to an provident fund portfolio loan business. It is processed using a sequential mortgage model. Depositors can apply without raising their own funds to settle the original loan. In order to ease the pressure to rent, Changsha officially launched the Provident Fund direct rent payment service. If depositor families meet the rental withdrawal requirements and rent a house under a direct payment cooperative project, they can apply through the WeChat account or service outlet.

Zhitongcaijing·12/08/2025 09:25:06
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On December 8, the Changsha Municipal Housing Provident Fund Management Committee and the Changsha Housing Provident Fund Management Center issued three new policies. The New Deal clearly optimizes the criteria for determining the number of housing units. When working families with two or more children buy newly built commercial housing and apply for a provident fund loan, the number of existing housing units in Changsha can be reduced by one, and the corresponding interest rate will be implemented according to the number of units after reduction. At the same time, offsite depositors apply for an provident fund loan to buy a house in Changsha. They no longer check the housing situation at the main borrower's deposit site; they only use local housing registration information in Changsha to determine the number of units, further lowering the threshold for offsite home purchases. Changsha has added a commercial bank housing loan to an provident fund portfolio loan business. It is processed using a sequential mortgage model. Depositors can apply without raising their own funds to settle the original loan. In order to ease the pressure to rent, Changsha officially launched the Provident Fund direct rent payment service. If depositor families meet the rental withdrawal requirements and rent a house under a direct payment cooperative project, they can apply through the WeChat account or service outlet.