The "Notice" shows that housing subsidies are given to buyers who purchase new commercial housing in urban areas. Subsidy for each house under 90 square meters (inclusive) 1 1,000 yuan; Buy more than 90 square meters of each set of subsidies of 20 thousand yuan. In line with the national birth policy, the two-child family receives an additional subsidy of 5,000 yuan, and the three-child family receives an additional subsidy of 6,543.8+0,000 yuan.
Full-time doctors, full-time talents with senior titles, full-time masters, associate senior titles and senior technicians, full-time undergraduate, intermediate titles and technicians, full-time junior college and senior workers who have started their businesses for the first time in Xianning within two years are given housing subsidies of 654.38 million yuan, 60,000 yuan, 40,000 yuan and 20,000 yuan respectively.
In terms of increasing financing credit support, the notice mentioned that the down payment ratio for households that guide financial institutions to strongly support the demand for rigid and improved housing and purchase the first set of ordinary commercial housing should not be less than 20% of the total house price, and the second set and above should not be less than 30%. At this stage, the interest rate of commercial personal housing loan is implemented according to the standard that the first set is not higher than 4.8% and the second suite is not higher than 5.05%. Encourage banking financial institutions to adjust the interest rate of commercial personal housing loans according to market changes.
For families who own a house and settle related home purchase loans, if they apply for loans to buy ordinary commercial housing again in order to improve their living conditions, banking financial institutions are encouraged to implement the first home loan policy.
In terms of increasing support for housing provident fund, dual-employee families with both husband and wife paying housing provident fund will normally apply for housing provident fund loans on the premise of not exceeding 80% of the total contract price, and the upper limit of the amount will be raised from 500,000 yuan to 600,000 yuan; Employees of the same set of housing apply for loan business after withdrawing the housing provident fund first, and cancel the stipulation that the sum of the original withdrawal amount and the loan amount is not higher than the upper limit of the loan amount; Xianning housing provident fund deposit workers to buy self-occupied housing to apply for provident fund loans or balance withdrawal, but also apply for a one-time withdrawal of the balance of housing provident fund for parents and children (account reservation 100 yuan).
In addition, if employees who have paid in different places buy self-occupied housing in urban areas and apply for housing provident fund loans, the original limit of paying housing provident fund in Xianning for six months will be cancelled.
For housing enterprises, the New Deal also mentioned adjusting the pre-sale permit conditions of commercial housing. Pre-sale permit can apply for the construction of new commercial housing projects with planned floors below 6 floors above ground, until the structure of 1 floor above ground is capped, from 7 floors to 12 floors (inclusive) until the structure of 3 floors above ground is capped, and above 13 floors (inclusive) until the structure of 6 floors above ground is capped.
The New Deal also clearly regulates the order of the intermediary market, further regulates the behavior and standards of real estate intermediary service charges, guides development enterprises and real estate agents to control the service charges within 4% of the total housing sales price, increases the crackdown on illegal activities in the real estate intermediary service market, and actively creates a healthy and orderly market environment.