In terms of supporting reasonable housing demand, the "Notice" clearly implements "recognizing loans but not recognizing houses". For families who own 1 house and have settled their house purchase loans, they apply for loans to buy commercial houses again, and commercial banks implement the first set of housing loan policies.
At the same time, reduce the down payment ratio and commercial loan interest rate. The minimum down payment ratio of commercial personal housing loans for households that purchase ordinary houses for the first time is 20%. Implement the policy requirements of the lowest commercial loan interest rate for the first and second suites in the province.
In addition, the "Notice" mentioned that the amount of housing provident fund loans should be increased. The maximum amount of a single loan in urban areas will be raised to 600,000 yuan; The maximum amount of a single loan in each county is raised to 500,000 yuan; On this basis, the number of high-level talents recognized by city and county organizations increased by 654.38+10,000 yuan. At the same time, the maximum amount of the second set of housing loans is the same as that of the first set of housing. It is also allowed to withdraw the balance of the provident fund that is not included in the loan amount calculation to pay the house payment.
The "Notice" also mentioned that the conditions for housing provident fund loans should be relaxed. For those who purchase the first set of self-occupied commercial housing and apply for housing provident fund loans for the first time, the minimum down payment ratio will be lowered to 20%, the minimum down payment ratio for the second set of housing loans will be lowered to 30%, and the upper limit of monthly repayment will be raised from 50% to 60% of the family's monthly income.
For enterprises and employees who are currently in difficulties, the notice shows that enterprises can postpone the payment of housing provident fund before the end of 2022, and employees' normal withdrawal of housing provident fund and application for provident fund loans will not be affected. If the employee fails to repay the housing provident fund loan normally, it is not overdue.
According to the notice, from the date of issuance of this notice to September 30, 2022, those who purchase commercial houses (including second-hand houses) in urban areas and apply for real estate registration certificates will be rewarded by the beneficiary finance according to the local retention of 20% of the deed tax.
In optimizing the supply of the housing market, the Notice mentioned that various resettlement methods are supported. Adjust the monetary resettlement policy for urban renewal and reconstruction projects, broaden the channels and methods of resettlement, issue "purchase vouchers", and support residents to replace surplus resettlement houses or buy commercial housing in the market to meet the diversified resettlement needs of the masses.
At the same time, promote the listing of affordable housing. From the date of issuance of this notice to February 3, 2022, when the price difference of affordable housing is paid and the sale formalities are completed, the beneficiary finance will reward the purchaser at 2% of the market evaluation price when the original affordable housing exits.