Recently, Guangdong Huizhou Provident Fund Management Center announced that starting from June 5438+10.5, eligible employees will be given a floating discount on the loan amount when they purchase green buildings or prefabricated commercial houses in this city to apply for housing provident fund loans.
The above notice makes it clear that if employees apply for housing provident fund loans to buy commercial housing that meets the green building standards of two stars or above or commercial housing that is recognized as prefabricated construction projects in Huizhou, the loan amount will increase by 20% on the basis of the loanable amount, but it will not exceed the maximum amount of housing provident fund loans.
When commercial housing in green buildings or prefabricated buildings is converted into second-hand housing transactions, it will still be accepted as ordinary commercial housing, and the loan amount will no longer rise.
In this regard, Yan Yuejin, research director of the think tank center of Yiju Research Institute, said that with the gradual relaxation of the property market regulation policy, many places have introduced differentiated policies for different housing products. Huizhou's new provident fund policy reflects the local support for green buildings or prefabricated residential products, which can guide consumers to pay more attention to such residential products.
"The main starting point of the above policies may be to support and encourage green buildings or prefabricated buildings." Deng Haozhi, a real estate expert, told the Shanghai Securities Journal that the development cost of green buildings or prefabricated buildings is higher than that of ordinary real estate projects, and the profits of developers are relatively low. The introduction of relevant policies has certain support for the development of such projects.
According to the statistics of the Central Finger Research Institute, in 2022, the overall transaction volume of Huizhou property market was at a low level, with the annual commercial housing turnover of 627,000 square meters, the lowest since 20 15 years, down nearly 40% year-on-year.
"This policy may not play a big role in the transaction of Huizhou market, but its more obvious role is to promote the development of green buildings and prefabricated buildings in Huizhou." Chen, research director of Guangzhou Branch of Central Finger Hospital, said.
In fact, as early as April 2022, the Guangdong Provincial Department of Housing and Urban-Rural Development announced the 14th Five-Year Plan for Building Energy Efficiency and Green Building Development in Guangdong Province. It is clear that by 2025, Guangdong will complete the energy-saving green transformation of existing buildings of more than 30 million square meters, build 3 million square meters of ultra-low and near-zero energy-consuming buildings with Lingnan characteristics, and add 2 million kilowatts of solar photovoltaic installed capacity to buildings, with electricity consumption accounting for more than 80% of building energy consumption.
The above-mentioned documents also put forward some incentives. It is clear that the construction area increased by adopting green building and assembled technical measures according to regulations is not included in the floor area ratio accounting. The use of housing provident fund loans to buy star-rated green buildings from housing, the loan amount can be increased by no more than 20%, specifically determined by the prefecture-level listed housing provident fund management department.
In June 5438 +2022 10, Zhuhai Housing Provident Fund Management Center issued the Notice on the implementation of preferential quota policy for housing provident fund loans for commercial housing purchased by green buildings and prefabricated construction projects in our city.
It is mentioned that employees who apply for housing provident fund loans to purchase commercial housing that meets the two-star green building standards in Zhuhai or commercial housing that has been identified as prefabricated construction projects can increase the loan amount of 10% on the basis of the loanable amount; Buying commercial housing that meets the three-star green building standards in Zhuhai can increase the loan amount by 20% on the basis of the loanable amount, but it does not exceed the maximum loan amount of the city's housing provident fund.
Not just Guangdong. On May 27th, 2022, the Housing and Urban-Rural Development Department of Hebei Province issued the Notice on Doing a Good Job of Green Finance Supporting the Development of Green Buildings in an Orderly Way to strengthen the support of green finance for green building projects in Hebei Province and promote the coordinated development of green buildings and green finance. Among them, financial institutions are required to give key support to green building projects that meet the requirements in terms of credit line, interest rate pricing, loan acceptance and approval.