May 2022

Support rigid housing demand

In order to serve the cross-island development strategy, support the stable self-occupation demand of employed people, and promote the balance between occupation and residence and the integration of production and city, the corresponding new regulations are that families and individuals who have been employed stably in Xiamen for more than half a year and are not registered in this city can buy a set of self-occupied commercial housing outside this city.

Support families with many children to improve their housing needs.

In order to serve the adjustment of the national birth policy, the corresponding new regulations are: families with two or more children in this city can buy a third set of self-occupied commercial housing in this city.

land transfer

The longest payment time of land transfer fee for commercial and residential land will be extended from 9 months to 1 year, which will appropriately reduce the pressure on enterprises to pay funds.

Pre-sales support

On the basis that the investment in the development and construction of commercial housing projects reaches more than 25% of the total investment in the project construction, the image progress requirements of pre-sale permit projects are appropriately reduced to support enterprises to speed up construction and sales.

In terms of regulatory funds

Allow real estate development enterprises to replace half of the pre-sale supervision funds that should be retained with commercial bank guarantees, and support enterprises to revitalize funds.

loan rate

The lower limit of the interest rate of the first commercial individual housing loan in Xiamen is adjusted to not be lower than the quoted interest rate of the loan market plus 10 basis point.

Provident fund policy

Employees who buy new commercial housing withdraw housing provident fund to pay the down payment, instead of "paying first" and then reimbursing. The "advance payment system" for direct payment of provident fund is being optimized.

Previously, in order to attract talents to work and start businesses in Xiamen, Xiamen stipulated that full-time undergraduate graduates who have supported the housing needs of newly employed college students and have been employed stably in this city for more than half a year can buy 1 set of self-occupied commercial housing on the island.

Involving these people

Families and individuals who have been employed stably in Xiamen for more than half a year without housing and are not registered in this city can buy a set of self-occupied commercial housing outside this city.

Families with two or more children registered in this city can buy a third set of self-occupied commercial housing in this city.

Full-time undergraduate graduates who have been employed stably in this city for more than half a year can buy 1 set of self-occupied commercial housing on the island.

What's the mortgage interest rate?

The lower limit of the interest rate of the first commercial personal housing loan in Xiamen is adjusted to be no less than the quoted interest rate of the loan market plus 65,438+00 basis points. If calculated according to the LPR over five years announced on May 20th, it will be reduced from 4.9% last month to 4.55% at present.

Provident fund policy

Employees who purchase new commercial housing withdraw housing provident fund to pay the down payment, and the reimbursement method after "first payment" is optimized to "advance payment system" for direct payment.