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Multi-site housing support policies continue to be introduced?
Multi-site housing support policies continue to be introduced?

Recently, the policy of supporting the purchase of houses has been continuously introduced. On February 27th, Nanjing, Jiangsu Province optimized the policy of withdrawing housing provident fund to pay for house purchase, and the following small series brought a number of policies to support house purchase. Let's take a look, hoping to bring some reference.

The balance of Nanjing provident fund account can be used as the pre-purchase price.

On February 27th, Nanjing Housing Provident Fund Management Center issued "Detailed Rules for the Implementation of Relevant Provisions on Optimizing the Withdrawal of Housing Provident Fund to Pay for the House Purchase in Nanjing".

According to the detailed rules, employees who have paid the housing provident fund in Nanjing and their spouses (hereinafter referred to as "employees who buy houses") can sign an agreement with the development enterprise to use the balance in the individual housing provident fund account as the funds before buying a house if they purchase a new house in Nanjing.

At the same time, the detailed rules propose that employees who buy second-hand houses in Nanjing can sign an agreement with the seller to use the balance in the individual housing provident fund account as pre-purchase funds if they meet the conditions for purchasing houses.

According to the detailed rules, buyers of new houses and buyers and sellers of second-hand houses shall not entrust others to withdraw housing provident fund as the pre-purchase capital business. The total amount of housing provident fund withdrawn by the employees who purchase houses is the balance (at least one yuan reserved) in the individual housing provident fund account as of the signing date of the commercial housing subscription agreement or the stock house sales contract, and the maximum amount shall not exceed the pre-purchased funds agreed in the subscription agreement or the sales contract. The Provident Fund Center and the Municipal Real Estate Bureau track and extract information related to house purchase transactions, and deal with the illegal extraction behaviors found in accordance with relevant regulations.

Regarding the reasons for Nanjing's policy of optimizing the withdrawal of housing provident fund to pay the house purchase price, Nanjing Housing Provident Fund Management Center stated that according to the spirit of the document "Several Policies and Measures for Promoting the Overall Improvement of Nanjing's Economic Operation", in order to further support qualified buyers to withdraw housing provident fund to pay the house purchase price and reduce the capital turnover pressure of residents in the early stage of house purchase, this detailed implementation rule is formulated in combination with the actual situation of Nanjing housing provident fund management.

Continue to introduce housing support policies in many places.

In addition to Nanjing, Changzhou, Suqian and Luohe have recently introduced housing support policies.

On February 25th, Changzhou lowered the lower limit of the first home loan interest rate from 4. 1% to 3.8%. The relevant departments in Changzhou said that the adjustment of the lower limit of the interest rate of the first home loan is an important measure to implement the spirit of "housing without speculation" and support the demand for rigid housing.

On February 24th, Luohe Housing and Urban-Rural Development Bureau issued the Notice on Further Supporting the Stable and Healthy Development of the Real Estate Market, and put forward a number of housing support policies, including improving the second set of housing identification standards and canceling unnecessary demand restriction policies. For families who have settled their housing loans, commercial banks can apply for loans to buy commercial housing again in order to improve their living conditions. Continue to give housing talents and deed tax subsidies until August 3, 20231; Encourage units to organize employees to concentrate on purchasing commercial housing; Increase the loan amount of housing provident fund; For high-level talents who meet the conditions of "Hundred Excellent Plan" and "Double Thousand Plan", the maximum amount of provident fund loans for purchasing the first family housing within three years after the qualification of talents is recognized will be raised to 800,000 yuan and 600,000 yuan respectively; Implement "one person buys a house and the whole family helps"; Support to improve the demand for changing houses. For taxpayers who sell their own houses and buy houses in the market again after selling their existing houses 1 year, the personal income tax paid for selling their existing houses will be given preferential tax refund.

On February 22nd, Suqian Housing and Urban-Rural Development Bureau issued "Several Policies and Measures on Further Promoting the Stable and Healthy Development of Real Estate in the Central City", which also put forward a number of policies to support the purchase of houses, including deed tax subsidies, giving subsidies of 80% and 100% of the total deed tax to families with two children and three children respectively; For individuals who purchase commercial housing (including second-hand commercial housing) within the central city, subsidies are given for the purchase price (residential part); Give tax refund subsidies. Taxpayers who sell their own houses and re-purchase houses in the same city within 1 year after the sale of existing houses may apply for refund of personal income tax according to regulations; Increase the maximum amount of housing provident fund loans; Implement the dynamic adjustment mechanism of the first commercial personal housing loan interest rate policy; Encourage banking financial institutions to implement the minimum down payment ratio for residents to purchase houses for the first time or refer to the down payment ratio of provident fund; Implement the "transfer with mortgage" service for second-hand houses.

Soochow securities believes that the recent frequent local real estate policies, the decline in mortgage interest rates and the relaxation of the policy of restricting purchases and loans have a positive impact on the demand side. It is expected that the follow-up policies at both ends of supply and demand will continue to increase until there is an obvious turning point in the sales market.

Seize the stocks with continuous daily limit.

In the mid-line stock picking skills, if you want to make a medium-long line layout, you must look at the current market situation. You can refer to the annual line (250 antennas) and semi-annual line (120 antennas) of the market index. If the trend is above the annual line and the semi-annual line, it means that it is not a bear market at present. In the face of national policies, investors should not be lucky enough to grab the rebound or choose to buy people, but should wait and see to clear their positions. If the stock market rises sharply, it is necessary to follow the trend and hold shares in the medium term.

Mid-line stock selection should be comprehensively analyzed from six aspects: K-line shape, technical index, relative price, company fundamentals, market trend and stock theme. We should give up some stocks with high P/E ratio and prices much higher than their intrinsic values.

As for how to seize the stocks with continuous daily limit? The initial share price rose by more than 6%; Must be "heavy"; The greater the increase, the stronger the trend and the more favorable it is. Among the key conditions of daily limit, the opening price is 2-3 points higher and the opening price is not more than 2 points lower. The decline process cannot be heavy, and the heavy volume is suspected of shipping; The closing price is near yesterday's closing price, so it is best not to form a gap.