However, small partners who want to buy a house in Jingmen

Not only should money be prepared.

Also understand Jingmen's housing purchase policy.

You can save tens of thousands if you are not careful.

Let's have a look!

1

Provident fund category

1 Recovery of off-site provident fund loans in Jingmen.

65438+1October 10, the off-site provident fund loan is resumed, which meets the conditions for handling off-site provident fund housing loans. Applicants can apply to Jingmen Housing Provident Fund Center with the relevant information of provident fund personal housing loans.

2 Jingmen provident fund policy was greatly adjusted, and multiple restrictions were cancelled.

Jingmen Provident Fund abolished the restrictions on the withdrawal of houses purchased (built), "two choices and one loan" and the restrictions on employees handling loans in different places. At the same time, it fully started the direct transfer from business to public, which will be implemented on April 20, 2022.

3. Adjustment of housing provident fund loan interest rate

From June 65438+1 October1day, 2022, the interest rate of the first individual housing provident fund loan was lowered by 0. 15 percentage point, and the interest rates for less than five years (including five years) and more than five years were adjusted to 2.6% and 3. 1% respectively. The second set of personal housing provident fund loan interest rate policy remains unchanged, that is, the interest rates for less than five years (including five years) and more than five years are not less than 3.025% and 3.575% respectively.

2

Housing subsidy category

1 the housing subsidy for the registered population in non-central urban areas was released, reaching 20,000 yuan/household.

From 2022 1 to June 30 1, each household will receive a subsidy of 20,000 yuan; From July 1 day in 2022 to June 30, 2023, the subsidy for each household is 1.5 million yuan; From July 1 day to February 3 1 day, 2023, each household will receive a subsidy of 1 ten thousand yuan.

There are subsidies for buying two or more new houses in the central city.

From July this year 1 1 to July 2023 10, consumers who buy a second or more new commercial housing in the central city (subject to the online signing time) can enjoy the purchase subsidy. The deadline for accepting applications is 65438+20231October 30th.

3 Jingmen families with two children and three children have housing subsidies.

At least one of the husband and wife is registered in our city, and they buy the first or improved ordinary housing in Dongbao District, Jingmen High-tech Zone, Duodao District and Zhanghe New District, and pay housing subsidies, including a one-time subsidy of 20,000 yuan for two-child families and a one-time subsidy of 40,000 yuan for three-child families.

Support college students in Beijing to buy houses.

From the date of implementation of these Measures 1 year, undergraduates and junior college students in Beijing will be given a one-time subsidy of 40,000 yuan and 20,000 yuan respectively if they buy new commercial housing in the central city, sign commercial housing sales contracts online and obtain deed tax payment certificates.

5. Extend the housing subsidy time for college graduates.

The deadline for college graduates to enjoy housing subsidies has been extended from the original policy 165438+20221October 30th to 65438+February 30th, 2023 (subject to the online signing date of the commercial housing sales contract).

three

Other categories

The first suite "does not recognize the loan" 1 standard.

In July 1 1, the policy was relaxed again. At the same time, the down payment ratio of commercial personal housing loans for the first suite was reduced from 30% in the past to 20%. The down payment ratio of commercial personal housing loans for second homes has been reduced from 50% in the past to 30%, and measures such as subsidies have been taken to improve the purchase of houses. The validity period is tentatively set at 1 year.