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Zhaoqing, Guangdong: Raise the upper limit of the first home provident fund loan.
Official website On May 25th, Zhaoqing Housing and Urban-Rural Development Bureau of Guangdong Province issued the Notice on Promoting the Stable and Healthy Development of the Real Estate Market (hereinafter referred to as the Notice), clearly proposing to raise the upper limit of the first housing provident fund loan, optimize the supervision of the pre-sale funds of commercial housing, adjust the land supply, and keep the period of housing de-urbanization at a reasonable level.

The "Notice" mentioned that it is necessary to optimize the supervision of pre-sale funds of commercial housing. Considering the different creditworthiness of enterprises, for real estate enterprises with high creditworthiness, the proportion of pre-sale funds should be appropriately reduced to alleviate the financial pressure of enterprises. According to the different construction stages of the project, the pre-sale funds will be retained in stages and proportions to minimize the deposit of funds. For real estate enterprises with short-term cash flow difficulties, appropriately increase the allocation amount to ensure the funds needed for project completion and delivery. According to the progress of the project construction, support the project funds and the payment of workers' wages to help enterprises tide over the difficulties.

In terms of increasing financial support, financial institutions should be guided to support the reasonable demand of real estate enterprises for development loans and new house purchase loans, and loans should not be blindly drawn, cut off or pressed, effectively alleviating the pressure of capital chain operation in the real estate market. Reduce the burden of personal housing consumption, and reduce the down payment ratio and annual interest rate of commercial personal housing loans for households to purchase ordinary housing for the first time. For households with/kloc-0 apartments and whose corresponding housing loans have been settled, if they apply for commercial personal loans to buy ordinary houses again to improve their living conditions, the first home loan policy will be implemented.

In addition, the "Notice" also mentioned that it is necessary to increase the overall planning of housing provident fund and increase the loan amount of the first home provident fund; Strengthen the coordination of provident fund loans and commercial loans, improve work efficiency and enhance the convenience of personal housing loans.

For land supply, it is necessary to keep the cycle of house de-transformation at a reasonable level. Adhere to the principle of scientific planning and reducing supply at the source, comprehensively judge and rationally adjust the pace of land supply according to the inventory and de-chemical cycle of the city's real estate market, and achieve the goal of stabilizing land prices, housing prices and expectations.