In terms of optimizing the provident fund loan policy, the "Notice" clarifies that the identification of the number of sets should be simplified and "loans should be recognized but not recognized". If the paid employees have neither housing provident fund loan records nor outstanding housing commercial loans, the first home loan policy shall apply mutatis mutandis; 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.
At the same time, 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.
In terms of reducing 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 that of the second suite be adjusted from not less than 50% to not less than 30%.
In terms of increasing financial credit support, 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%.
At the same time, the interest rate of commercial loans will be lowered. 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.
The New Deal also mentioned encouraging the introduction of talents and the government subsidizing the purchase of houses. The "Notice" shows that in order to support the people to buy the first suite and encourage more entrepreneurs to come (return) to live in Xiangyang, the government will give corresponding subsidies to these two groups when purchasing existing houses collected by the housing construction department.
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; Those who meet the relevant provisions of Xiangyang's talent housing security and buy new commercial housing for newly employed entrepreneurs in Xiangyang (returning to Xiangyang) are entitled to 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.