Article 17 of the Notice mainly includes five aspects: ensuring reasonable housing demand, improving housing market supply, strengthening housing financial support, innovating services to reduce the burden on enterprises, and optimizing the real estate market environment.
In terms of ensuring reasonable housing demand, the Notice proposes to implement the housing subsidy policy. Those who buy the first set of newly-built commercial housing in the downtown area and pay the deed tax after signing the commercial housing sales contract (subject to the online signing filing time) can enjoy the purchase subsidy. The payment standard is 30,000 yuan for full-time doctoral students, 20,000 yuan for full-time master students, and 1 10,000 yuan for undergraduate and junior colleges (including technical colleges); Families with two children or above, unmarried at the age of 28 or above, 1 1,000 yuan; The new citizens who came to Xiaxia for various reasons such as work or school were 6,543,800 yuan.
At the same time, the amount of provident fund loans will be increased, and the maximum personal loan amount will be raised to 500,000 yuan. Encourage paid employees to use housing provident fund to buy houses. Insufficient funds, you can use the "provident fund commercial banks" portfolio loans to encourage cooperative banks and real estate development enterprises to use portfolio loans.
In addition, active second-hand housing market transactions. If the original value of the house and the tax payable cannot be correctly calculated, and complete and accurate proof of the original value of the house cannot be provided, individual income tax can be levied according to the income from housing transfer of 1%.
In terms of strengthening housing financial support, the Notice proposes to reduce the burden of individual housing consumption, and for families who own a house and have settled the corresponding housing loans, in order to improve their living conditions, they will apply for loans to buy ordinary commercial housing again, and banking financial institutions will implement the first home loan policy. Support municipal banking financial institutions to implement the minimum interest rate policy for personal mortgage loans in accordance with the provisions of the head office, and encourage them to seek credit lines for personal mortgage loans from higher banks to meet the reasonable housing needs of residents. We will implement a differentiated housing credit policy, support rigid and improved housing demand with preferential interest rates, realize the release of everything that should be released, and ensure that the reasonable mortgage demand that meets the conditions is fully met. Flexibly adjust the repayment arrangement of housing mortgage loans for people affected by the epidemic, and reasonably delay the repayment period for no more than 6 months.
In improving the supply of housing market, the "Notice" mentioned that land supply should be reasonably regulated. The bid bond for residential land can be paid at not less than 20% of the lowest price for transfer; It is allowed to pay the transfer fee by installments, and the remaining price can be paid off within one year on the premise that the down payment ratio is not less than 50% of the transfer price. According to the land transfer contract and the commitment letter of the real estate development enterprise, the relevant departments can handle the planning and other examination and approval procedures.
In terms of optimizing the real estate market environment, the Notice proposes to strengthen the management of commodity housing sales price. Strictly implement the pre-sale price filing system for new commercial housing, guide real estate development enterprises to reasonably determine the average selling price and stabilize the price of commercial housing. Organs, institutions and state-owned enterprises shall not organize new housing group purchase and directional housing development.