10 On June 26th, Zigong, Sichuan issued 27 new policies to stabilize real estate, in which it proposed to increase the tax support for improving house purchase, and natural persons would buy back their houses within 1 year after selling their own houses from June 26th, 2022 to February 26th, 2023. In addition, the New Deal also includes subsidies for specific groups of people to buy houses, the implementation of "recognizing loans but not recognizing houses", and reducing the down payment of provident fund loans.
On the same day, Guangxi Beihai issued a new housing provident fund policy, which lowered the minimum down payment ratio to 30% for families who paid employees to buy a second house or apply for a second housing provident fund loan. In addition, for families with many children who buy the first set of self-occupied housing, the amount of housing provident fund loans will be appropriately increased.
In addition, Hubei Shennongjia Forest District Housing and Construction Bureau issued a new policy to stabilize the property market, proposing to increase the amount of personal provident fund housing loans, reduce the down payment ratio of commercial housing, and lower the interest rate of commercial loans.
In addition, from June 27th, 10, Ningbo, Zhejiang Province officially implemented the new household registration policy, and implemented "70-year-old property houses can be settled".
1 year, the replacement house purchase in Zigong can be refunded.
65438126, Zigong City Housing and Construction Bureau and other five departments issued "Several Measures for Promoting the Healthy Development of Real Estate Industry in a Benign Cycle", including tax reduction and exemption for replacement houses, subsidies for specific people to buy houses, implementation of "recognizing loans but not recognizing houses", and reduction of down payment for provident fund loans.
The New Deal proposes to increase tax support for improved house purchase. During the period from 10 in 2022 to 1, 12 and 3 1 in 2023, if a natural person sells his own house in Zigong and buys a house again within 1 year after selling his existing house, he can apply for a refund of the personal income tax paid for the sale of his existing house according to relevant regulations. Among them, if the newly purchased housing amount is greater than or equal to the current housing transfer amount, all the paid personal income tax will be refunded; If the amount of newly purchased housing is less than the transfer amount of existing housing, the personal income tax paid for the sale of existing housing will be refunded according to the proportion of newly purchased housing to the transfer amount of existing housing.
At the same time, support specific groups to buy houses. For migrant workers, rural residents, soldiers, retired soldiers, teachers, medical personnel, community grassroots workers, passenger and freight drivers, sanitation workers, industrial workers, property practitioners, technical secondary school graduates or above, and Zigong freelancers, 200 yuan/m2 housing subsidy will be given. For the groups outside the province and outside the city who come to Zigong to buy new ordinary commercial housing in the central city, they will be given a one-time financial subsidy of 20,000 yuan and 1 10,000 yuan for each commercial housing on the basis of enjoying the previous housing subsidy.
In addition, in terms of supporting the demand for improved home purchase, 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 new commercial housing again, and bank financial institutions implement the first home loan policy.
In addition, increase support for housing provident fund loans. If residents purchase the first self-occupied housing and use provident fund loans, the down payment ratio is 20%. Those who meet the requirements for the first time to apply for provident fund loans to buy self-occupied housing are not limited by the amount of differential loans for single and double employees, and the amount of single loans is not limited by 20 times the balance of provident fund deposits. The maximum loan amount is 750,000 yuan. Resume "business-to-public" loans.
It is worth noting that in terms of ensuring the delivery of buildings, the New Deal proposes to strengthen the supervision of pre-sale funds of commercial housing, reduce the delivery risk of pre-sale projects, increase the supervision of project construction, prevent and resolve the risks of key enterprises, and resolve "problem buildings" one by one.
30% down payment for Beihai second-home provident fund loan
10 year126 October, Beihai Housing Provident Fund Management Center adjusted the use policy of housing provident fund, which proposed that the minimum down payment ratio should be lowered to 30% for families with paid employees to buy a second house or apply for a second housing provident fund loan. In addition, for families with many children who buy the first set of self-occupied housing, the amount of housing provident fund loans will be appropriately increased. Among them, the maximum loan amount for two-child families is 450,000 yuan for single employees and 550,000 yuan for married employees; The maximum loan amount for families with three or more children is 500,000 yuan for single employees and 600,000 yuan for married employees.
Beihai Housing Provident Fund Management Center said that the adjustment of the housing provident fund use policy is to further increase the housing provident fund to support housing consumption, better meet the reasonable housing needs of depositors, and promote the virtuous circle and healthy development of the real estate industry.
Shennongjia Forest Region introduced new policies to stabilize the property market.
101On October 26th, the Housing and Construction Bureau of Shennongjia Forest Region issued the Work Measures on Promoting the Stable and Healthy Development of the Real Estate Market in the Region. Among them, it is proposed to optimize the housing provident fund policy and increase the amount of personal housing loans and the total amount of decoration loans. The personal housing loan amount of the housing provident fund has been increased from 500,000 yuan to 600,000 yuan, the decoration withdrawal amount has been increased from10.5 million yuan to10.8 million yuan, and the decoration withdrawal policy has been increased from the original not to exceed10.2 million yuan per square meter.
At the same time, the down payment ratio of commercial housing will be reduced, and the minimum down payment ratio will be reduced from 30% to 20% when households purchase commercial personal housing loans for ordinary commercial housing for the first time; For families who own a house and the corresponding housing loan has not been 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 will be reduced from 50% to 30%.
In addition, in terms of increasing financial loan support, the interest rate of commercial loans will be reduced. For families who borrow money to buy ordinary commercial housing, the interest rate of the first set of commercial personal housing loans is adjusted to the upper limit of 4.8%, and the interest rate of the second set of commercial personal housing loans is adjusted to the upper limit of 5.05%. For families who own a house and have settled the corresponding housing loans, in order to improve their living conditions, they apply for loans again to buy ordinary commercial housing. Banking financial institutions implement the first home loan policy and implement the policy of "recognizing loans but not recognizing houses".
In addition, in terms of optimizing the listing and trading conditions of affordable housing, in order to broaden the housing trading market and stimulate the consumption of affordable housing, the listing and trading conditions of affordable housing have been changed from five years after the original purchase of affordable housing and the shed-to-resettlement housing have completed the housing property certificate to five years after registration.
Ningbo implements "70-year-old property houses can be settled"
101From October 27th, Ningbo officially implemented the new household registration policy, further relaxing the conditions for urban settlement.
It is understood that the new policy mainly has three adjustments:
First, the implementation of "70-year-old property houses can be settled", that is, those who have legally stable residences within the six districts of the city can settle down with real estate licenses, canceling the original requirement of "paying social security".
Second, except Fenghua, the lease settlement conditions in the sixth district of the city are adjusted to residential employment 1 year, that is, renting in the same street in the urban area 1 year, and paying social security 1 year. I, my spouse and minor children can settle in community collective households, and with the consent of the landlord, they can also settle in family households where the house is located. The continuous lease registration and social security payment of complete sets of housing in the same street (town) in the urban area are relaxed for two years to 1 year.
Third, Fenghua piloted the "permanent residence registration" system. Complete houses in the same street (town) in Fenghua urban area can be settled after continuous lease registration is over 1 year or social security payment is over 1 year.
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