Specifically, if employees (including families) use the housing provident fund to purchase the first house for the first time, the down payment ratio will be adjusted to 20%. The maximum loan amount is adjusted from 600,000 yuan to 800,000 yuan for double-paid employee families (both husband and wife have paid housing provident fund for 6 months). The maximum loan amount for a single employee family (one of the husband and wife has continuously paid the housing provident fund for 6 months) is 600,000 yuan.
At the same time, housing subsidies will be given to the buyers who buy the first set of first-hand commercial housing in Gao 'an, and the housing subsidies will be paid to the buyers in a lump sum in the form of money. The subsidy standards are as follows: full-time doctoral students and full-time senior technicians 200 yuan /m2, full-time graduate students and associate senior technicians 150 yuan /m2, full-time undergraduates, intermediate technicians and senior technicians 120 yuan /m2. The policy period is May 1 day, 2022 to February 3 1 day, and the individual application time is March 1 day, 2023.
The New Deal also mentioned that for newly transferred land projects (subject to the release time of land transfer announcement), 20% of the starting price of land transfer will be paid as a bid bond. After the signing of the land transfer contract, it is allowed to pay not less than 50% of the land transaction price within one month, pay the remaining land transaction price within three months and pay the corresponding interest according to the bank loan interest during the same period. The term of the policy is May 1 day, 2022 to February 3 1 day, 2022.
For real estate development projects that have implemented the supervision of commercial housing pre-sale funds, the proportion of supervision funds is adjusted to 6% according to the enterprise credit and the actual progress of project construction. After the project is put on record and the supporting facilities are completed and accepted, the proportion of supervision funds will be adjusted to 3%, and the proportion of supervision funds will be adjusted to 2% after the project is handed over and accepted. After the real estate right is completed, the supervision fund account will be released to reduce the pressure on the working capital of enterprises. The term of the policy is May 1 day, 2022 to February 3 1 day, 2022.
In addition, for bid bond, performance bond and project quality bond in the real estate field, bank guarantee, insurance guarantee and electronic guarantee are vigorously promoted to replace cash deposit, and they are encouraged to be issued in Gao 'an state-owned banks and state-owned insurance enterprises, effectively reducing the cash pressure on enterprises.