The "Notice" clarifies that the amount of housing provident fund loans should be increased, the down payment ratio of provident fund loans should be reduced, and the demand for rigid and improved housing credit should be supported. If an on-the-job employee purchases the first set of ordinary commodity housing and applies for provident fund loans, the loan amount will be relaxed to twice the original loanable amount, and the maximum loan amount will not exceed 400,000 yuan/person and 800,000 yuan/household. If employees buy a second set of ordinary commodity housing and apply for provident fund loans, the maximum loan amount will be raised to 400,000 yuan/person and 800,000 yuan/household. The down payment ratio of the second set of housing provident fund loans was reduced from the minimum 40% to 30%. The maximum loan amount of housing provident fund for on-the-job employees who have obtained master's degree or senior professional title has been raised to 800,000 yuan/person and 6,543,800 yuan+6,000 yuan/household respectively.
The "Notice" clarifies that if households purchase ordinary commercial housing through loans from commercial banks, the minimum down payment ratio for the first purchase is 20%, and the minimum down payment ratio for the second suite is 30%. The minimum interest rate for commercial loans for ordinary housing purchased by households shall be subject to the national minimum standard, the minimum interest rate for the first set of commercial housing loans shall be subject to the loan market quotation (LPR) minus 20 basis points, and the minimum interest rate for second-home commercial loans shall be subject to the current minimum standard. The reporter learned that according to the loan market quotation rate announced by the central bank on May 20, the 1 year LPR is 3.7% and the 5-year LPR is 4.45%, which means that the minimum interest rate for the first set of commercial housing loans over 5 years can reach 4.25%, and the minimum interest rate for the second set can reach 5.05%.
The Notice also clarifies that, from the date of promulgation, buyers who purchase the first or second set of ordinary commodity housing (including second-hand housing) in the main urban area (referring to Chongchuan District, Municipal Economic and Technological Development Zone and Suxitong Science and Technology Industrial Park) (subject to the filing time of the online signing of the housing sales contract) will be rewarded (residential part) at 0.75% of the total purchase price.
In addition, the circular also supports high-quality real estate enterprises to improve quality and efficiency, and puts forward some specific measures. For example—
Establish a "white list" system for real estate development enterprises. For high-quality real estate development enterprises with good reputation and steady operation, all kinds of deposits scheduled for projects in this city are allowed to be used as bidding deposits for land transfer in the main city.
Differentiated supervision policies are implemented for pre-sale supervision funds of high-quality housing enterprises, and you can enjoy bonuses such as increasing disbursement nodes, reducing the amount of key supervision funds, and replacing the same amount of pre-sale supervision funds of commercial housing with bank guarantees.
For high-quality real estate development enterprises with experience in developing high-quality housing and good social evaluation, they can also record prices on the basis of the original price filing system in accordance with the principle of "high quality and good price" to encourage them to develop higher-quality housing.
In order to further stimulate market vitality, the proportion of bid bond for operating land has been reduced from 30% of the total transfer price to 20%.
The pre-sale area of each commercial house is adjusted from not less than 30,000 square meters to not less than 1 10,000 square meters.
At the same time, optimize the urban renewal of commercial housing resettlement compensation policy, commercial housing pre-sale policy, optimize the price filing mechanism, and optimize and improve the service processes such as drawing review, quality supervision and safety supervision.
The time limit for the completion of various administrative service commitments of real estate development enterprises is reduced by more than 50% on the basis of legal time limit, and the pre-sale permit of commercial housing is reduced to 3 working days.
In the case of adhering to the main tone of "housing without speculation", supporting the commercial housing market to better meet the reasonable housing needs of buyers has become a new policy force. Reasonable housing demand includes both rigid self-occupation demand and improved housing demand. The new housing policy introduced by our city this time is beneficial to the demand for first-time housing, while taking into account the support for the demand for improved housing. The precise adjustment of the purchase policy will also effectively promote the reasonable housing consumption in our city and smooth the virtuous circle and healthy development of China's real estate industry.
Source: Nantong Publishing