In terms of supporting new citizens and talents to live in peace, the Notice mentioned that eligible new citizens who buy the first ordinary house in Chongqing can enjoy the same personal housing loan policy as local residents. Support Chongqing talents recognized by Chongqing talent authorities or import departments to enjoy the same treatment as local residents in housing, settlement, medical care and children's education.
Regarding the implementation of differentiated housing credit policy, the Notice clarifies that Chongqing Management Department of the People's Bank of China and Chongqing Banking Insurance Regulatory Bureau will guide and improve the self-discipline mechanism of interest rate pricing in Chongqing market, adjust the city's differentiated housing credit policy, adjust the lower limit of the first commercial personal housing loan interest rate to not less than the loan market quotation in the same period, and adjust the lower limit of the first commercial personal housing loan interest rate for households to buy ordinary self-occupied housing to not less than the loan market quotation in the same period minus 20 basis points. The lower limit of the commercial personal housing loan interest rate for the second set of housing is adjusted to not less than the quoted interest rate in the loan market plus 60 basis points.
This also means that according to the loan market quotation (LPR) published on May 20, 2022, the LPR for more than five years is 4.45%, which is not lower than the market quotation in the same period minus 20 basis points, and the minimum loan interest rate for the first home in Chongqing can reach 4.25%.
In terms of optimizing the housing provident fund loan policy, the Notice proposes to give priority to supporting the first set of housing loans. If the employee pays the housing accumulation fund to the employee's family to purchase the first set of housing, the down payment ratio shall be no less than 20%; Reasonably support the improved housing loan, and pay the employees' families to buy a second house, with the down payment ratio not less than 40% and the loan interest rate not less than 1. 1 times of the personal housing loan interest rate of the first housing accumulation fund in the same period; Commercial personal housing loans that support the purchase of the first home are converted into housing provident fund personal housing loans (replacement loans); If the employee's family and husband and wife jointly participate in the loan, the single loan amount will be calculated by adding the personal loan amount of both parties, and the maximum amount will be increased from 600,000 yuan to 800,000 yuan. Support the issuance of provident fund discount loans to ensure the supply of loan funds.
At the same time, define the second set of housing identification standards for provident fund loans. Workers' families who have paid the housing provident fund have two or more houses or two or more housing loan records. After the sale of the existing housing, the family has no housing or only 1 apartment, and the housing loan has been settled or there is only one outstanding commercial housing loan. When buying a house again, you can apply for a housing provident fund loan in accordance with the policy of buying a second house.
In addition, the implementation of differentiated real estate tax policies. If a family newly purchases a house and transfers its only original house before handling the property right certificate, it will enjoy the preferential deed tax policy according to the first suite; If the family still has 1 house, the newly purchased house will enjoy the preferential deed tax policy according to the second house.