On June 24, The Paper learned that Junan County, Linyi City, Shandong Province, located at the junction of southern Shandong and Suzhou, issued the "Announcement on Matters Related to Promoting Real Estate Policies and Measures and Appointment Registration of House Purchase Subsidies."
To ensure the stable and healthy development of the real estate market, the policies and measures formulated by Junan County mainly include supporting residents’ rigid and improved housing needs and supporting the healthy development of real estate enterprises.
For residents, the number of housing units is determined by loans. For families who do not own a house or own a house and have paid off the corresponding house purchase loan, and apply for a loan to purchase ordinary commercial housing, financial institutions will implement the first home loan. Policy, the down payment ratio is 20. Financial institutions have further increased their efforts in issuing personal housing mortgage loans and shortened the loan issuance cycle. The interest rate for the first set of commercial personal housing loans shall be 20 basis points minus the market quoted interest rate for loans of the corresponding term, and the second set shall not be lower than the market quoted interest rate for loans of the corresponding term plus 60 basis points.
At the same time, we will increase the support for provident fund loans. The maximum limit for "business-to-public" loans and single-payment employee loans is 500,000 yuan. If both husband and wife pay the housing provident fund in full and normally, the maximum loan limit is 600,000 yuan. Employees who pay provident fund in other places are allowed to apply for provident fund loans when purchasing houses in Junan. The down payment ratio of a provident fund loan is 30. The interest rate for the first use of the provident fund loan is based on the benchmark interest rate, and the interest rate for the second use is based on 1.1 times the benchmark interest rate. For PhD students who work in Junan and buy their first home in the county, the housing provident fund loan limit can be relaxed to up to four times the limit.
Residents can apply for credit loans with low interest rates and a maximum amount of 500,000 yuan from financial institutions based on proof of provident fund deposits. Junan County requires Linyi City Housing Provident Fund Junan County Branch and all commercial banks to actively support it.
Junan County implements housing purchase subsidies for talents. According to Linyi City's "1 N" new talent policy, a "one case, one discussion" approach will be adopted for new PhD, master's and full-time undergraduate graduates who are newly employed in Junan's "Two New" organizations or started businesses, and who want to buy a house for the first time in Junan County. , those who meet the conditions will be given one-time house purchase subsidies of 300,000 yuan, 100,000 yuan, and 50,000 yuan respectively.
In addition, Junan County implements consumption subsidies for house purchases. If the commercial housing transaction deed tax is fully paid from June 1, 2022 (inclusive) to June 30, 2022 (inclusive), the deed tax paid will be based on the amount paid. 30% of the deed tax will be subsidized to home buyers. For those who purchase newly built commercial housing from June 1, 2022 (inclusive) to June 30, 2022 (inclusive) (subject to the online signing and filing time), and pay the deed tax within one month after the official handover of the house, according to the 30% of the deed tax paid will be subsidized to the home buyers. Deed taxes are collected first and paid later.
The demolition and resettlement adopts a combination of housing resettlement and monetary resettlement, and the relocated people are encouraged to choose monetary resettlement. Build a market-based group purchasing platform for resettlement housing. All real estate development companies voluntarily apply to join and sign a group purchasing platform agreement with the demolition authorities. Housing companies will provide a certain percentage of profit concessions to relocation residents who purchase houses on the platform.
For real estate companies, Junan County has strengthened its efforts to provide relief, and regularly organizes financial institutions and real estate development companies to connect banks and companies. In accordance with the principles of compliance with laws and regulations, controllable risks, and sustainable business, various financial institutions have increased their support for project loans and merger and acquisition loans for real estate companies, extended and renewed loans to distressed companies, and effectively alleviated the pressure on the operation of corporate capital chains.
Encourage the reduction or exemption of mortgage loan deposits for real estate development companies. On the premise that real estate development enterprises bear periodic guarantees, commercial banks are supported to reduce or reduce the mortgage loan deposits of real estate development enterprises based on the development enterprise's credit standing and project conditions.
Real estate development companies with capital liquidity difficulties can apply for deferment or a moderate reduction in the payment ratio of employee housing provident funds. The deferment period will be until December 31, 2022. During this period, paying employees can withdraw and apply for housing provident fund loans normally and will not be affected by the postponement. After the deferment period expires, the enterprise should first make additional payments and then resume normal deposits. The repayment can be made in one go or in batches. The latest repayment date shall not exceed March 31, 2023.
Junan County stated that financial institutions that support development loans and reduce personal mortgage loan interest rates will be given priority support in terms of new government fiscal deposits, fund accounts and other deposits.
The qualification requirements for bidders will be further relaxed. In principle, legal persons, natural persons and other organizations can apply to participate in the bidding, and can bid jointly. If the winning bidder is an enterprise not registered in Junan, it must register and establish a wholly-owned independent legal person enterprise in Junan within 60 days from the date of signing the transfer contract, apply for the real estate certificate and implement development and construction. The collection of land performance bonds for real estate development projects is suspended.
In order to implement policies and measures to promote the stable and healthy development of the real estate market and timely cash out consumption subsidies for home purchases, Junan County has made it clear that the period from June 1, 2022 (inclusive) to June 30, 2022 (inclusive) If the commercial housing transaction deed tax is paid in full (or the deed tax is paid in full within the specified time), a subsidy will be given to the home buyer based on 30% of the deed tax paid.
For the purchase of new commercial housing from June 1, 2022 (inclusive) to June 30, 2022 (inclusive) (subject to the online signing and filing time), and within 1 month after the official handover of the house If the deed tax is paid in full, a subsidy will be provided to the home buyer based on 30% of the deed tax paid.
The scope of the subsidy covers commercial housing purchased in the county and its accompanying storage rooms, parking spaces and shops.
For those who purchase newly built commercial housing in June (subject to the online signing and filing time), such house purchasers do not need to make an appointment to register. They can enjoy the benefits of paying the deed tax and applying for a real estate certificate within one month after the official handover of the house. Subsidy policy.