It is understood that recently, Guiyang, Jiaxing and other places have adjusted their housing provident fund loan policies, including reducing the minimum down payment ratio of second-hand housing provident fund loans, and the provident fund has applied for full loan repayment for the second time, focusing on supporting employees' demand for first-time housing purchase and improved housing purchase. In addition, in order to improve the housing conditions of rural teachers and attract more rural teachers to take root at the grass-roots level and teach with peace of mind, Henan Province has also proposed that the preferential margin for qualified rural teachers to purchase houses should be no less than 20%. In addition, Linli County, Changde also proposed a preferential policy of monetary subsidies for house purchase within a time limit.
The insiders believe that during the traditional "Golden September and Silver 10" period, some local governments have fine-tuned their housing policies, which is conducive to the release of housing demand and the destocking of local stocks.
Guiyang: Reduce the minimum down payment ratio of second-hand housing provident fund loans
On September 9, Guiyang Housing Provident Fund Management Center issued the Notice of Guiyang Housing Provident Fund Management Center on Adjusting Housing Provident Fund Loan Policy, which mainly adjusted the loan policy from three aspects: housing provident fund loan period, minimum down payment ratio of second-hand housing loans and loan period:
The first is to cancel the time limit for the second set of housing provident fund loans.
Original policy: If employees' families settle the first set of housing provident fund loans, they must apply for housing provident fund loans again to buy ordinary self-occupied housing after the settlement is over 1 year (including 1 year).
New policy: After paying the first set of housing provident fund loans, employees' families can apply for housing provident fund loans again to buy ordinary self-occupied housing.
Second, reduce the minimum down payment ratio of second-hand housing provident fund loans.
Original policy: For employees' families who use housing provident fund loans for the first time to buy second-hand houses, the down payment ratio shall be no less than 25% for those whose construction area in Xing Tao is less than 90 square meters, and no less than 40% for those whose construction area in Xing Tao is more than 90 square meters; In order to improve the living conditions, the second application for housing provident fund loans to buy second-hand housing, the down payment ratio shall not be less than 40%.
New policy: unified the down payment ratio standard of commercial housing (pre-sale housing, existing housing) and second-hand housing provident fund loans, that is, the down payment ratio of workers and families who use housing provident fund loans for the first time to buy second-hand housing should not be less than 20%; In order to improve the living conditions, the second application for housing provident fund loans to buy second-hand housing, the down payment ratio shall not be less than 30%.
Third, adjust the criteria for determining the loan life.
Original policy: the loan period of individual housing provident fund is calculated according to the longest loanable period of both husband and wife of the borrower.
New Deal: The loan period of individual housing provident fund is calculated according to the loanable period of the main lender.
In this regard, Yan Yuejin, research director of the think tank center of Yiju Research Institute, believes that canceling the time limit for two sets of housing provident fund loans is conducive to the release of demand for new home purchases and has a positive effect on local destocking in Guiyang. Reducing the minimum down payment ratio of second-hand housing provident fund loans can increase the subscription activity of second-hand housing, and then enable some landlords to transfer second-hand housing smoothly, and then be able to buy first-hand housing, which can release the demand for improved housing purchase. In short, the relatively loose orientation of Guiyang's housing provident fund policy adjustment will help some buyers to continue to purchase houses through the provident fund, reduce the cost of buying houses, and then accelerate the sales of some new housing projects, which will also be beneficial to the sales of the "Golden September and Silver 10" project this year.
Jiaxing: The second application for provident fund has been paid off, and the loan can be made in full.
On September 5, Jiaxing Housing Provident Fund Management Service Center issued a notice on adjusting the policies and measures for the use of housing provident fund, which took effect on September 10.
The first is to implement differentiated housing provident fund loan policies.
1. The employee's family has paid off the provident fund loan, and if they apply for the provident fund loan for the second time to buy their own house, the amount of the provident fund loan enjoyed by the employee's family will not be deducted, and both husband and wife can still enjoy the maximum amount of 600,000 yuan.
2. Resume the implementation of the policy that the interest rate of the second set of housing application provident fund loans rises 10%.
3. Re-emphasize that provident fund loans will not be granted to the families of workers who buy the third or above houses.
Two, simplify the calculation method of housing provident fund loan amount and retention.
1. When employees apply for provident fund loans, the loanable amount is determined by multiplying 10 by the employee's personal provident fund account balance;
2. After the employee's provident fund loan, the retained amount in the individual housing provident fund account shall be determined according to one tenth of the actual provident fund loan amount;
3. Employees apply for monthly withdrawal of provident fund to repay loans, and no longer require the balance of individual housing provident fund accounts to be no less than 6 months.
Three, adjust the scope of employee housing provident fund.
When employees buy and build self-occupied housing, their children can withdraw their parents' housing provident fund, and parents can also withdraw their children's housing provident fund, but they need the written consent of the person who has been withdrawn.
Jiaxing Housing Provident Fund Management Service Center said that the moderate adjustment of this policy mainly reflects the following principles: First, conscientiously implement the requirement that "houses are used for living, not for speculation", implement differentiated housing provident fund loan policies, and strive to support employees' first-time purchase and improved purchase demand. The second set of housing applies for provident fund loans, and the benchmark interest rate rises. The third and above houses will no longer issue provident fund loans; Second, precise policy and moderate adjustment are not only conducive to ensuring and supporting the reasonable housing consumption of employees, but also conducive to improving the operating efficiency of the housing provident fund in our city; Third, further simplifying calculation methods and operating procedures and optimizing services are conducive to promoting the universal benefits of the provident fund system.
Unlike the fine-tuning and loosening of Guiyang's housing provident fund policy, Jiaxing's housing provident fund policy is loose and tight. Among them, the tightening is that the interest rate of the second home loan is restored from the previous benchmark interest rate.
In this regard, Jiaxing officially explained that "the benchmark interest rate policy for purchasing a second set of housing and applying for provident fund loans was introduced in February 20 14 to support real estate destocking. According to the current real estate market situation and macro-policy orientation in our city, the interest rate floating policy will be restored. What needs to be emphasized here is that whether it is the first time to apply for a provident fund loan or not, as long as the employee's family has a house under their name when applying for a provident fund loan, the loan interest rate will rise by 10% according to the benchmark interest rate of the provident fund loan. "
However, Yan Yuejin believes that in the current policy environment, the main points of relaxation are more worthy of attention. The New Deal provides full loans to families who have paid off their loans and applied for provident fund loans for the second time to buy their own houses, which helps to reduce the cost of home buyers and thus stimulate housing demand. On the whole, the New Deal plays a positive role in improving the demand for home purchase, especially for "sell one and buy one" buyers.
Henan: The preferential rate for qualified rural teachers to purchase houses is not less than 20%.
On September 5, the Information Office of Henan Provincial Government held a press conference on the implementation of the province's teacher treatment policy, and released the implementation of hot issues such as teacher treatment, professional titles, housing and subsidies in Tianjin.
The meeting proposed to make every effort to improve the housing conditions of rural teachers. By 2022, through reconstruction, new construction and new construction, the province will basically realize that special post teachers, teaching exchange teachers and in-service teachers working in towns (excluding towns where the county seat is located) and public compulsory education schools (including teaching points) below will each have 1 set of circulating dormitory.
At the same time, it is planned that within 3-5 years, the basic housing needs of teachers in towns and villages (excluding the towns where the county is located) and schools below (including teaching points) in the province will be met in a safe and orderly manner by building commercial houses, organizing group purchases, issuing subsidies for purchasing houses or coupons, or providing teachers' apartments for rent according to the local public rental policy. In principle, the price per square meter is not less than 1 1,000 yuan, compared with the commercial housing of the same quality in the same lot, or combined with the actual local discount.
It is understood that Henan is the country's largest province with the largest education population and the largest province with the largest teachers. By the end of 20 18, there were 693,900 faculty members in Henan province, ranking first in the country, accounting for 8.22% of the country.
In this regard, the official of the Henan provincial government said that the policy focuses on improving the housing conditions of rural teachers in Henan Province, attracting more rural teachers to take root at the grassroots level and teach with peace of mind. Among them, market-oriented operation and preferential policies are adhered to, and each construction method has set certain preferential conditions for rural teachers, which fully embodies the care and love for teachers.
Regarding Henan's preferential policies for rural teachers to buy houses, Yan Yuejin believes that the purchase of houses by specific talents such as teaching staff has appeared in specific cities in the past, but it has not been introduced in the name of the whole province. Similar policies mainly reflect the orientation of respecting teachers and attaching importance to education, not simply relaxing policies, but objectively help to reduce the related housing costs and release more housing demand, especially in the context that the total number of teaching and administrative staff in Henan Province ranks first in the country, which has a positive effect on activating the related housing market.
Linli County, Changde: You can enjoy monetary subsidies when you buy a house within the prescribed time limit.
According to media reports, on August 28th, 20 19, at the first real estate fair in Linli County, in order to let the buyers enjoy real preferential treatment, the Linli County Party Committee and the county government studied and issued "Several Opinions on Further Promoting the Stable and Healthy Development of the Real Estate Market". The Opinions relaxed the qualification conditions for the first suite, lowered the supervision ratio of project capital and the threshold of pre-sale permit for commercial housing, and made it clear that eligible commercial housing can be purchased in the county within the prescribed time limit, and their children can apply for degrees nearby and enjoy quality educational resources. At the same time, they also encourage housing enterprises to build high-end boutique commercial and residential communities and strive to improve the living environment.
In this regard, Yan Yuejin believes that the policy reflects the current preferential policies of local governments to purchase houses and the orientation of activating the local property market. When the current "Golden September and Silver 10" comes, there will be a direction to release the demand for housing. At the same time, the practice of giving monetary subsidies further shows that some counties still need to be given the policy orientation of destocking, and the actions of such counties are representative in some industries.