In strengthening housing financial support, Xi banking financial institutions timely optimize real estate financial services and appropriately reduce the down payment ratio and interest rate pricing level of individual housing loans, which is specifically determined by the self-discipline mechanism of market interest rate pricing in Shaanxi Province.
According to the notice, in terms of adjusting the loan amount of individual housing provident fund, the maximum amount of employee loans paid once is no more than 650,000 yuan, and the maximum amount of employee loans paid twice is no more than 850,000 yuan.
In addition, in terms of the down payment ratio of individual housing provident fund loans, if the housing area is 144 square meters or less, the down payment ratio is not less than 20%; If the housing area is greater than 144 square meters, the down payment ratio shall not be less than 25%.
For employees who apply for personal housing provident fund loans for the second time, if the housing area is 144 square meters or less, the down payment ratio shall not be less than 25%; If the housing area is greater than 144 square meters, the down payment ratio shall not be less than 30%.
For families who have moved into this city from outside the city to buy the first house in the housing purchase restriction area, they must settle down for 1 year before buying a house; Non-resident families who purchase houses in restricted housing areas must hold residence permits in this city and pay social insurance or personal income tax in this city for two years continuously before the date of purchase.
In order to promote the circulation of second-hand houses, Xi 'an stipulates that in the housing purchase restriction area, purchased or newly purchased commercial houses can be listed and traded if the owner of the house has obtained the certificate of immovable property for two years, or if the online signing of the commercial house sales contract has been filed for three years and obtained the certificate of immovable property; The second-hand house that has been purchased or newly purchased can be listed and traded as long as the owner of the house has obtained the certificate of immovable property for 2 years.
In terms of optimizing the policy of purchasing houses for all kinds of people, according to the relevant implementation rules, those who buy houses in Shaanxi or their units to ensure that Shaanxi academicians live, as well as those who have been confirmed by the Municipal Talent Office to buy commercial housing, can get priority protection. The purchase of houses by members of Xi fire rescue team shall be implemented with reference to the purchase policy of active servicemen. Families with two or more children who buy commercial housing and unmarried people aged 28 and above who buy the first commercial housing are regarded as "just-needed families". It should be noted that unmarried people aged 28 and above must also meet the following requirements: no marriage record, no housing in the name of this city, no housing transfer record within the first 48 months from the date of purchase, and in line with the Xi housing purchase restriction policy.
According to the Notice of the General Office of Xi Municipal People's Government on Further Standardizing the Transaction Order of Commodity Housing, in the restricted purchase area of Xi, it is necessary to register the real name intention according to the classification of just-needed families and ordinary families. Notary agencies should organize the lottery according to the categories in order of families with difficulties and ordinary families.
According to the changes in the sales price of commercial housing in 70 large and medium-sized cities in April 2022 released by the National Bureau of Statistics, the price of new commercial housing in Xi increased by 0.2% month-on-month and 5.2% year-on-year. The price of second-hand houses decreased by 0. 1% month-on-month and increased by 1.8% year-on-year. From the analysis of the new house area interval, the products in the area of 90 square meters and below increased by 0 from the previous month, which remained unchanged compared with March and increased by 5.7% year-on-year; Products with an area of 90- 144 square meters increased by 0.3% from the previous month and 5.3% from the same period last year; Products with an area of 144 square meters increased by 0. 1% month-on-month and increased by 4.7% year-on-year.