The "Notice" increased the housing provident fund to support the rational consumption of housing. When implementing the "recognition of housing loans" standard, housing provident fund loans only recognize records; Employees can increase the loan amount of housing provident fund through independent deposit. After the buyers who apply for housing provident fund loans submit qualified loan requirements, the housing provident fund management department and relevant undertaking banks will speed up the loan qualification review, loan quota review and loan progress.
At the same time, guide financial institutions to increase investment in personal housing mortgage loans. The down payment ratio of the first home loan is not less than 20%, and the interest rate is not more than 60 basis points on the basis of the central bank's basic interest rate (LPR) in principle; The down payment ratio of the second home loan shall not be less than 30%, and the interest rate shall not rise by more than 80 basis points on the basis of the central bank's basic interest rate (LPR) in principle.
According to the "Notice", for families who own a house and have settled the corresponding housing loan, if they apply for loans to buy ordinary commercial housing again in order to improve their living conditions, banking financial institutions will implement the first home loan policy.
At the same time, the "Notice" clarifies that the listing and trading of new commercial housing will no longer be restricted within two years, and the virtuous circle of the primary and secondary markets of commercial housing will be promoted.
The "Notice" pointed out that doctoral, master's and undergraduate (junior college) graduates who are employed for the first time within two years (including returning to their hometowns to start businesses) purchase talent rooms in Yichang City, and give eligible ones a one-time payment of 6,543,800 yuan, 60,000 yuan and 50,000 yuan.
If the county where the school is located has non-residential houses that basically meet the housing needs and are actually used for living, and there are no other ownership houses and leased affordable houses in the region, the education administrative department shall make overall arrangements for the children of all non-residential houses to enter the school nearby.
The "Notice" also mentioned that the fourth-generation residential project should be explored to provide quality, diversified, differentiated and people-oriented housing products, and the technical regulations for urban planning management should be optimized in a timely manner, and policy support should be increased in balconies, balconies, bay windows, overhead floors and wind and rain corridors to improve the quality of commercial housing.