In terms of increasing support for personal housing mortgage loans, the New Deal proposes that the minimum down payment ratio for households who purchase the first set of ordinary commercial housing and apply for commercial or provident fund personal housing loans is 20%; For households that already own 1 house, if they apply for commercial or provident fund personal housing loans to buy a second house in order to improve their living conditions, the minimum down payment ratio is 30%. Guide financial institutions to increase personal housing mortgage loans and reduce housing loan interest rates.
At the same time, the registered families in this district who support the demand of buying houses for families with two or more children and give birth to two or more children can enjoy the first set of commodity housing purchase policies stipulated in this opinion when purchasing the second set of ordinary commodity housing in this district.
The New Deal mentioned that development enterprises can independently determine the pre-sale (sales) price of buildings (structures) according to factors such as the type of commercial housing and the quality of residential areas. Real estate development enterprises shall file a one-time price record for all houses (one room and one price) with the competent price department before handling the pre-sale permit or the filing formalities for the sale of commercial houses. After being examined and filed by the competent price department, the price shall be clearly marked at the filing price when selling. In principle, the fluctuation of sales price should not exceed 10% for sales, and it should be re-filed if it exceeds 10%. The time for re-filing should be more than 60 days from the last filing time. But we must not compete maliciously below the cost price and disrupt the real estate market.
For real estate enterprises, the New Deal shows that the bid bond for real estate land is paid at 20% of the lowest price, 50% of the land transfer price is paid within 1 month after the land transfer contract is signed, and the rest is paid according to the land transfer contract, and the latest payment time is no more than one year. For real estate projects that pay the land transfer price in installments, the construction permit examination and approval department may handle the construction permit as the land use examination and approval procedures for construction projects.
At the same time, strengthen the docking between banks and enterprises, and encourage financial institutions to effectively meet the reasonable financing needs of real estate enterprises under the premise of legal compliance, controllable risks and sustainable business. Actively innovate financial products and services, and increase financing for real estate development projects that adopt green building standards. For projects under construction of real estate enterprises with stable operation, reasonable leverage ratio, good sales prospects and closed capital operation, real estate development loans shall be issued in accordance with the principles of marketization and rule of law, and the credit line shall be reasonably determined to avoid blind lending, pressure on loans and suspension of loans. Accelerate the examination and approval procedures for the undistributed portion of existing mortgage loans, increase the credit line, and ensure the timely issuance of loans that meet the lending conditions. Give appropriate extension or extension to the real estate development loans of housing enterprises in difficulty, and focus on supporting high-quality real estate enterprises to merge and acquire high-quality projects of real estate enterprises in difficulty.