In order to ensure the stable and healthy development of the real estate market, the policies and measures formulated by Junan County mainly include supporting the rigid and improved housing needs of residents and supporting the healthy development of real estate enterprises.
For residents, the number of houses is determined by loans. For families who have no housing or housing and have settled the corresponding housing loans, if they apply for loans by purchasing ordinary commercial housing, financial institutions will implement the first home loan policy, and the down payment ratio will be 20%. Financial institutions will further increase the intensity of individual housing mortgage loans and shorten the loan issuance cycle. The interest rate of the first set of commercial personal housing loans is 20 basis points lower than the quoted market interest rate of the corresponding term loans, and the second set shall not be lower than the quoted market interest rate of the corresponding term loans plus 60 basis points.
At the same time, increase the support of provident fund loans. The maximum loan limit for "business-to-business" loans and single deposit employee loans is 500,000 yuan. If both husband and wife pay the housing provident fund in full, the maximum loan limit is 600,000 yuan. Employees who deposit provident fund in different places are allowed to apply for provident fund loans in Jun 'an. The down payment ratio of provident fund loans is 30%, and the interest rate for the first use of provident fund loans is based on the benchmark interest rate, and the interest rate for the second use is based on 1. 1 times of the benchmark interest rate. When a doctor working in Junan buys the first suite in the county, the maximum loan amount of the housing provident fund can be relaxed to four times the limit.
Residents can apply for a credit loan with a low interest rate and a maximum amount of 500,000 yuan from financial institutions with the deposit certificate of provident fund. Junan County requires Linyi City Housing Provident Fund Junan County Sub-center and all commercial banks to actively support it.
Ju' nan county implements subsidies for talents to buy houses. According to Linyi's "1+N" talent new policy, the new doctoral, master's and full-time undergraduate graduates of Junan organized by "Two Innovations" bought houses for the first time in Junan County, and were given a one-time subsidy of 300,000 yuan, 6.5438+10,000 yuan and 50,000 yuan respectively.
In addition, junan county implements housing subsidies. If the deed tax on commercial housing transactions is paid in full from June 2022 1 (inclusive) to June 30, 2022 (inclusive), the purchaser will be subsidized according to 30% of the deed tax paid. For those who purchase new commercial housing from June 1 day to June 30, 2022 (subject to the filing time of online signing) and pay the deed tax within 1 month after the formal delivery, the purchaser will be subsidized according to 30% of the deed tax paid. The deed tax is levied first and then paid.
Demolition and resettlement adopt a combination of housing resettlement and monetary resettlement, and encourage the demolished to choose monetary resettlement. Build a market-oriented group buying platform for resettlement houses. All real estate development enterprises voluntarily apply to join, sign a group buying platform agreement with the demolition authorities, and buy relocated households in the platform, and the housing enterprises will give a certain percentage discount.
For housing enterprises, Junan County strengthens helping enterprises get out of difficulties and regularly organizes financial institutions and real estate development enterprises to connect banks with enterprises. In accordance with the principles of legal compliance, controllable risks and sustainable business, financial institutions have increased their support for project loans and M&A loans of real estate enterprises, and extended and renewed loans to enterprises in difficulty, effectively alleviating the pressure of enterprise capital chain operation.
Encourage the relief of mortgage deposits of real estate development enterprises. Under the premise that real estate development enterprises undertake phased guarantees, commercial banks are supported to reduce or exempt the mortgage deposit of real estate development enterprises according to their credit status and project conditions.
Real estate development enterprises with liquidity difficulties can apply for deferment or moderately reduce the proportion of employee housing provident fund deposit, and the deferment period is 65438+February 3, 20221. During this period, paid employees can normally withdraw and apply for housing provident fund loans, which is not affected by the holdover. After the expiration of holdover period, the enterprise shall pay the overdue fine first, and then resume normal deposit. It can be paid in one lump sum or in batches, and the latest payment date shall not exceed March 3, 20231.
Ju 'nan County said that financial institutions that support development loans and reduce personal mortgage interest rates will be given priority support in adding government financial deposits and capital accounts.
Further relax the qualification requirements for bidders. In principle, legal persons, natural persons and other organizations may apply for bidding or joint bid. If the bidder is a non-registered enterprise in Junan, it must register and establish a wholly-owned independent legal person enterprise in Junan within 60 days from the date of signing the transfer contract, handle the property right certificate and implement the development and construction. Suspend the collection of land performance bond for real estate development projects.
In order to implement the policies and measures to promote the stable and healthy development of the real estate market, and cash in the house purchase subsidies in time, Junan County has made it clear that if the deed tax on commercial housing transactions is paid in full (or paid in advance) from June 1 day to June 30, 2022, the buyers will be subsidized according to 30% of the deed tax paid.
For those who purchase new commercial housing from June 1 day to June 30, 2022 (subject to the filing time of online signing) and pay the deed tax within 1 month after the formal delivery, the purchaser will be subsidized according to 30% of the deed tax paid.
The scope of subsidies is the commercial housing purchased in the county and the corresponding storage rooms, parking spaces and attached shops.
In June (subject to the online signing filing time), those who purchase new commercial housing can pay the deed tax and apply for the real estate license within 1 month after the official delivery, and enjoy the subsidy policy.