The "Opinion Draft" shows that Liupanshui will increase support for personal housing mortgage loans. Encourage financial institutions to implement the 20% down payment policy for the first home loan and appropriately reduce the housing loan interest rate. Support and guide financial institutions to apply for loans to buy commercial housing again for families who own a house and have settled their home purchase loans, and implement the first home loan policy.
Increase support for housing provident fund. When the housing provident fund funds are insufficient to guarantee the housing loan demand of employees, the value-added income of the housing provident fund will be used to subsidize the interest difference during the repayment period of commercial loans. The scale of new subsidized loans is 654.38 billion yuan, and the loan issuance time is controlled within 6 months. If you use the provident fund loan to buy a house and buy 1 parking space at the same time, it can be included in the scope of provident fund loan support.
The Opinion Draft also mentioned that efforts should be made to promote the market-oriented operation of urban renewal and shantytown renovation projects. After the local municipal (special zone, district) government scientifically demarcates the transformation area, in order to avoid the serious shortage of public service facilities and municipal infrastructure in the specific area after transformation, local plots can be optimized according to the planning indicators of plot ratio ≤4, building density ≤30%, green space ratio ≥30% and building height ≤ 100m.
In addition, strengthen credit support for real estate projects. Organize bank-enterprise docking on a regular basis, guide financial institutions to implement the relevant credit policies of trapped enterprises, increase credit support for real estate project mergers and acquisitions in accordance with the principles of legal compliance, controllable risks and sustainable business, and urge financial institutions not to stop lending, draw loans or press loans at will.