In this regard, Zhongyuan Bank replied to the china securities journal reporter that there are such preferential measures, but the annual interest rate does not exceed 4.9%, and all outlets give interest rates according to the actual situation.
Henan property market has been enlarged in succession.
It is understood that the repayment period of the special housing mortgage loan for "college students staying in Zhengzhou" and the housing mortgage loan for new citizens in Zhengzhou can be up to 30 years. The application conditions are: college students within 5 years of graduation, full-time college degree or above, in line with Zhengzhou's housing purchase policy (subject to the fact that the Housing Authority can record transactions), with the ability to purchase houses and relatively stable family income; The purchased property must be the first suite, and the maximum construction area shall not exceed140m2.
The application conditions of special preferential housing mortgage loan for Zhengzhou new citizens are: foreign registered residents who live and work in Zhengzhou, or Zhengzhou "new citizens" who have obtained Zhengzhou household registration for less than three years, meet the provisions of Zhengzhou's housing purchase policy (subject to the transaction that can be filed by the Housing Authority), have the ability to purchase houses, and their family income is relatively stable; The purchased property must be the first suite, and the maximum construction area shall not exceed140m2.
Previously, Zhengzhou issued the Notice on Promoting the Healthy Development of Real Estate Industry, which proposed measures to promote the healthy development of Zhengzhou's real estate industry from the aspects of supporting reasonable housing demand, improving housing supply, increasing credit financing support, promoting the construction and renovation of resettlement houses, and optimizing the real estate market environment.
In terms of ensuring that college students live in the Zheng family, the Notice makes it clear that eligible doctoral students, master students, undergraduate graduates (preparatory technicians and technicians in technical colleges) and junior college graduates (senior workers in technical colleges) who are starting businesses will purchase * * * property houses, and those who buy commercial houses will be given housing subsidies according to the policy. For those who meet the requirements to provide affordable rental housing before buying a house for college students with entrepreneurial employment in Zheng, a certain area subsidy can be given to those who rent market-oriented rental housing, and the preferential period is 3 years.
Zhang Dawei, chief analyst of Zhongyuan Real Estate, told china securities journal that since 2022, about 60 cities including Zhengzhou have introduced different degrees of real estate easing policies. The content of relaxation mainly focuses on commercial loans, provident fund, talent housing subsidies and so on. It is expected that the real estate market in key cities where some regulatory policies are relaxed may appear in March and April.
Standardize the supervision of pre-sale funds of commercial housing
On March 1 1, the Housing and Urban-Rural Development Department of Henan Province, Zhengzhou Central Sub-branch of the People's Bank of China and Henan Supervision Bureau of the Insurance Regulatory Commission of the Bank of China issued the Opinions on Further Regulating the Supervision of Commercial Housing Pre-sale Funds. According to the Opinions, all income obtained by real estate development enterprises from the pre-sale of commercial housing, including deposit, down payment, installment payment, one-time payment, bank mortgage loan, housing provident fund loan, etc., should be included in the supervision scope of pre-sale funds of commercial housing. If the house price collected from the supervision account belongs to the key supervision funds, it will be used exclusively to pay the project construction cost after approval, including the necessary building materials, equipment, construction progress payment and other related expenses, and shall not be used to pay other loan principal and interest, land price, fines, marketing expenses, wages of employees of real estate development enterprises, etc.
The "Opinions" clarify that the key supervision funds are the funds needed to ensure the completion and delivery of the project, with the project construction cost and a certain percentage of unforeseen expenses as the upper limit; Funds with pre-sale income exceeding the upper limit of key supervision funds belong to general supervision funds, which can be extracted and used by development enterprises. For key supervision funds, commercial banks shall not deduct them without authorization before the first registration of the ownership of commercial housing projects is completed; A real estate development enterprise that establishes a subsidiary may not be transferred by the group company.
Previously, Beijing, Xinyang, Xiamen and other places have introduced relevant policies for the supervision of pre-sale funds. Among them, Xiamen recently issued a clear policy on the pre-sale management of commercial housing. The pre-sale funds of commercial housing are given priority to the purchase of building materials and equipment necessary for project construction, and the construction progress payment and statutory taxes and fees are paid before the completion of commercial housing. The pre-sale department shall strengthen the supervision and management of the collection and use of pre-sale funds for commercial housing. The amount of funds retained in the first phase of the special account for the supervision of commercial housing pre-sale funds shall be approved according to the project cost and risk premium of the pre-sale project; The amount of subsequent retained funds is determined according to the project image progress of the pre-sale project to ensure the completion of the project.
According to Zhang Dawei's analysis, the current market practice policy is the supervision mode of "stay first and then use": all the house payments paid by buyers are pre-sale funds, and all of them should be deposited in the special account for the supervision of pre-sale funds for supervision; Before the completion of the project, the pre-sale funds shall be given priority to the expenses necessary for the project construction; Pre-sale funds are generally unfrozen according to the progress of project construction. Judging from the recent changes in pre-sale policies in various places, there are basically loose and tight. The core is to relax the enterprises with high credit, and continue to tighten the enterprises with tight capital chain. On the one hand, it can release the overall liquidity of the market, on the other hand, it guarantees the basic rights and interests of buyers.
(Original title: Henan property market is enlarged again! The maximum interest rate of these group mortgage loans does not exceed 4.9%)