In terms of providing housing subsidies for talents, the "Measures" clarify that from the date of issuance to February 3, 20231day, private enterprises identified as "four on" by the enterprise talent leading group can enjoy housing subsidies if they introduce talents and purchase the first set of self-occupied new commercial housing. Among them, full-time doctoral students (or full-time titles) and above will be subsidized according to 40% of the total purchase price, with a maximum of 500,000 yuan; Full-time graduate students (or deputy senior titles and senior technicians) will be subsidized by 30% of the total purchase price, with a maximum of 400,000 yuan; Full-time undergraduate students (or intermediate titles, technicians) will be subsidized by 20% of the total purchase price, with a maximum of 250,000 yuan; Full-time college students (or junior professional titles and senior workers) will be subsidized at 10% of the total house purchase price, with a maximum of10.5 million yuan.
To apply for housing subsidies, you need to sign an agreement to promise that the latent service period is not less than 5 years, and handle the registration of * * * property rights according to the share of capital contribution. After five years of service under the contract, the contribution share will be transferred to the imported talents free of charge. If the service period of talents is less than 5 years, the house purchase subsidy will be refunded in full.
In terms of supporting the demand for reasonable housing purchase, the Measures clearly stipulate that from the date of issuance to February 3, 20221day, the first set of ordinary new commercial housing with an area of less than 144 square meters will be purchased, and a housing subsidy of 3% of the total house price will be given. There is only one set of housing in the urban planning area. If houses are sold from June 65438+1 October1to February 3, 2022, and ordinary newly-built commercial houses are re-purchased, a housing subsidy of 2% of the total housing price will be given.
Qianshan city encourages farmers to settle in the city. The "Measures" clarify that farmers who voluntarily withdraw from the homestead and settle in the city will be given a one-time purchase reward of 50,000 yuan from the date of issuance to February 3, 2023. Voluntary withdrawal from the homestead and reclamation of the homestead into cultivated land or other agricultural land will be rewarded with 30 thousand yuan per mu for the original homestead users after identification.
In the implementation of preferential policies for housing provident fund, the Measures clearly stipulate the spirit of the Opinions of Anqing Housing Provident Fund Management Committee on Adjusting Policies Related to Housing Provident Fund Loans. If both husband and wife pay the housing provident fund, the maximum loan amount will be raised from 450,000 yuan to 500,000 yuan, and the unilateral payment will be raised from 350,000 yuan to 400,000 yuan. The specific loan amount is linked to the monthly deposit amount of employee provident fund and repayment ability. In the administrative area of Qianshan City, if you apply for housing provident fund loans for the first time to purchase new commercial housing, the minimum down payment ratio is 20% (the minimum second-hand housing is 30%); The first loan has been paid off. If you apply for a housing provident fund loan for the second time to buy a new commodity house, the minimum down payment ratio is 30% (the minimum second-hand house is 40%), and the loan interest rate is 1. 1 times the benchmark interest rate of the housing provident fund loan.
Enterprises affected by the epidemic can apply for deferring the housing provident fund from June 2022 to June+February 65438 according to regulations, and pay it back after the expiration. During the period, paid employees can normally withdraw and apply for housing provident fund loans without being affected by holdover; If the depositor affected by the epidemic cannot repay the housing provident fund loan normally from June 1 day to February 1 day in 2022, it is not overdue and will not be submitted to the credit information department as an overdue record. Increase the maximum withdrawal amount of the public accumulation fund for leased commercial housing, which is limited to 1.200 yuan per household per month, and be withdrawn according to the actual rental expenses within the maximum amount.
In terms of reducing the personal housing consumption burden, the Measures clearly implement the latest requirements of the Notice of the People's Bank of China and the China Banking Regulatory Commission (Yinfa [2022] No.65438 +0 15), and gradually reduce the interest rate of newly issued commercial personal housing loans according to their own operating conditions, the real estate market situation and other factors and the principle of differentiated market pricing. Guide potential financial institutions to increase investment in personal housing mortgage loans to better support rigid and improved housing demand. For people who have temporarily lost their income sources due to the epidemic, financial institutions distinguish between repayment ability and repayment willingness, and support their existing personal housing loans by reasonably delaying the repayment period and flexibly adjusting the repayment plan. Encourage financial institutions to simplify the examination and approval materials, optimize the examination and approval process, and strive to complete the examination and approval within 2 working days with complete information, and lend money on the same day after filing. Encourage financial institutions to waive contract change fees and other fees, and bear the mortgage registration fee for individual housing loan customers and the assessment fee for second-hand housing mortgage collateral.
In terms of optimizing the policy of house expropriation and resettlement, the Measures clearly stipulate that "house ticket resettlement" should be added to the compensation for house expropriation in urban planning areas to meet the diverse resettlement needs of the masses. For the resettlement houses that have not started construction, the expropriated households are encouraged to choose the house ticket placement.
In terms of supporting enterprise project loans, the Measures clarify that financial institutions are not allowed to borrow, cut off or suppress loans for no reason, so as to ensure the orderly delivery of housing loans for real estate development enterprises, construction enterprises and individuals. Encourage financial institutions to support enterprises that are seriously affected by the epidemic and have difficulties in repayment due in accordance with the principles of marketization and rule of law, and submit credit records in accordance with the adjusted repayment arrangements. Guide all potential financial institutions to maintain a reasonable increase in credit for real estate development enterprises and ease the liquidity difficulties of market players.
In terms of optimizing the use of supervision funds for the pre-sale of commercial housing, the Measures clarify that under the premise of safe funds and controllable risks, the sum of the actual recorded amount and the residual value of the fund supervision account can cover the real estate projects for subsequent project construction. If the development enterprise has no record of dishonesty, it can apply for new project progress before the project is completed and accepted, and allocate key supervision funds according to the increase of 10%; After the project is completed and accepted, the proportion of key supervision funds for commercial housing will be reduced to 5%. If the same group company has multiple development projects within the city, it can make overall use of supervision funds in accordance with the principle of "one city, one policy" and on the premise of ensuring project development and construction and ensuring building delivery.
The "Measures" require that we should continue to rectify the order of the real estate market, implement "double random and one open" inspections, strengthen joint law enforcement, prohibit the transfer of real estate that has not been registered according to law and obtained ownership certificates, and seriously investigate and deal with illegal real estate transactions, intermediary agencies illegally releasing housing information and providing brokerage services, as well as real estate enterprises' illegal and illegal acts such as unapproved sales, false propaganda, misappropriation of pre-sale funds, and disguised evasion of regulatory policies.
From June 5438 to May this year, the sales area of commercial housing in Qianshan City was 7 1900 square meters, up 0.7% year-on-year. The sales of commercial housing was 5 1 100 million yuan, down 6.6% year-on-year.