Optimize the provident fund loan policy
Simplify the identification of the number of sets and implement "recognizing loans but not recognizing houses". The "Notice" stipulates that if the paid employees have neither housing provident fund loan records nor outstanding housing commercial loans, they will be implemented according to the first home loan policy; If there are records of housing provident fund loans that have been settled or commercial housing loans that have not been settled, it shall be implemented according to the second home loan policy.
Increase the loan amount. According to the requirements of the new policy, the maximum amount of housing provident fund loans will be increased from 600,000 yuan to 700,000 yuan, of which the loan amount will not be linked to the housing provident fund deposit and loan policy for the time being.
To reduce the down payment ratio, the Notice requires that the down payment ratio of the first suite be adjusted from not less than 30% to not less than 20%, and the down payment ratio of the second suite be adjusted from not less than 50% to not less than 30%.
Hu Guijun, member of the party group and deputy director of Xiangyang Housing Provident Fund Center, said that by increasing the loan amount, reducing the down payment ratio, simplifying the scope of the number of sets, and canceling the linkage policy of deposit and loan for the first home, more employees can enjoy the provident fund loan policy and support the people to buy houses.
Increase financial and credit support.
Reduce the down payment ratio. According to the new notice, banking financial institutions reasonably determine the minimum down payment ratio of commercial personal housing loans, and households purchase commercial personal housing loans for ordinary commercial housing for the first time, and the minimum down payment ratio is reduced from 30% to 20%; For families who own a house and the corresponding housing loan is not settled, in order to improve their living conditions, they will apply for commercial personal housing loans again to buy ordinary commercial housing, and the minimum down payment ratio is 30%.
Reduce the interest rate of commercial loans. For families who purchase ordinary commercial housing with loans, the lower limit of the interest rate of the first set of commercial personal housing loans is adjusted to not less than the quoted interest rate of the loan market minus 20 basis points in the same period, and the lower limit of the interest rate policy of the second set of commercial personal housing loans is implemented according to the current regulations.
For families who own a house and have settled the corresponding housing loans, in order to improve their living conditions, they apply for loans to buy ordinary commercial housing again, and banking financial institutions implement the first home loan policy.
Zhou Zixuan, deputy governor of Xiangyang Central Sub-branch of China People's Bank, said that after the introduction of the new policy, not only the down payment ratio of commercial loans decreased, but also the interest rate of commercial loans could be implemented according to the lower limit of the policy.
Encourage the introduction of talents and the government to give housing subsidies.
In order to support ordinary people to buy the first apartment and encourage more entrepreneurs to live in Xiangyang, the government will give corresponding subsidies to these two groups when purchasing existing houses collected by the housing and construction departments.
The "Notice" clarifies that if you purchase the first set of ordinary new commercial housing, sign the contract online and complete the deed tax payment, each set will be given a subsidy of 20,000 yuan; In line with the relevant provisions of the city's talent housing security, new (returning) employment and entrepreneurial talents who purchase new commercial housing can enjoy one-time down payment subsidy vouchers ranging from 1.5 million yuan, 1.2 million yuan, 80,000 yuan and 60,000 yuan respectively according to the talent category.
Huang Wei, member of the party group and deputy director of Xiangyang Housing and Urban-Rural Development Bureau, said that the existing houses will be publicly expropriated by the housing and urban-rural development departments, with complete five certificates and conditions for acceptance and filing, and the development enterprises are willing to make profits on the basis of the filing price.
According to reports, in line with the subsidy for purchasing the first new house, apply to the housing and construction department of Xiangyang City; The organization department of Xiangyang Municipal Committee is responsible for purchasing subsidy vouchers for talents. The detailed declaration rules are being worked out and will be released in the near future.
In addition, the "Notice" also proposes to strengthen the linkage between real estate and urban areas and rationally adjust the pace of land supply; Improve the efficiency of examination and approval of real estate projects, shorten the construction period and encourage the development of high-quality housing; For real estate projects that meet the credit conditions, financial institutions should increase their support and not blindly lend, cut off loans or pressure loans.
This notice shall come into force as of the date of promulgation and shall be valid until June 65438+1October 365438+1October 0, 2023. The scope of implementation is Xiangyang City, including Xiangzhou District. (End)