In terms of credit policy, the notice pointed out that when individuals apply for commercial personal housing loans, the down payment ratio of the first set of just-needed housing loans will be restored from not less than 30% to 20%, and the down payment ratio of the second set of improved housing loans will be restored from not less than 40% to 30%, and the lower limit of the interest rate of the first home loan will be adjusted to not less than the loan market price minus 20 basis points in the same period.
At the same time, the "Notice" makes it clear that the single maximum amount of individual housing loans of Changchun housing provident fund will be adjusted in stages. Before 65438+February 3, 20221,the maximum single loan for new commercial housing in Changchun City was 900,000 yuan with * * * borrowers, 600,000 yuan without * * * borrowers, and * * * borrowers in Changchun City.
It is worth mentioning that the Notice also proposes to support the centralized bulk purchase of commercial housing, support government agencies, state-owned enterprises and institutions, universities, research institutes and social organizations to contact real estate development enterprises and organize centralized bulk purchase activities of commercial housing. Group purchase requires pre-sale permit of commercial housing, and real estate development enterprises shall not sell below cost.
It is reported that since May, Changchun has been the second time to introduce policies related to real estate regulation. Prior to this, on May 6, the General Office of Changchun Municipal People's Government issued the Notice on Several Measures to Effectively Respond to the Impact of the Epidemic and Promote the Stable Development and Benign Cycle of the Real Estate Market, which proposed 20 specific measures, including reducing the down payment ratio of provident fund loans in stages, reducing the personal housing consumption burden, and increasing financial support for real estate enterprises.