Two children and three children can buy another set in the restricted area.
The "Notice" requires that the maximum loan amount for employees who have continuously paid the housing provident fund for two years and applied for the housing provident fund loan for the first time to purchase the first family-occupied housing will be increased from 600,000 yuan/household to 6,543.8+0,000 yuan/household.
If you purchase a second set of improved self-occupied housing and apply for housing provident fund loans, the maximum loan amount will be increased from 400,000 yuan/household to 800,000 yuan/household.
According to the national birth policy, the maximum loan amount of housing provident fund for families with two or three children will increase by 20% on the above basis.
The loanable amount of employee individual housing provident fund is adjusted from 12 times of the balance of the account deposited by the borrower and its * * * borrower on the loan application date to 15 times.
For example, Xiao Wang, an employee, paid the housing provident fund for two years continuously according to the regulations, and the balance of the housing provident fund was 50,000 yuan. The first set of provident fund loans has been paid off, and now I apply for housing provident fund loans to buy a second set of improved self-occupied housing. Before the implementation of the New Deal, the loan amount of Wang Xiao's provident fund was 400,000 yuan (50,000 yuan *12 = 600,000 yuan, reaching the upper limit of 400,000 yuan). After the implementation of the New Deal, the loan amount of Wang Xiao's provident fund was 750,000 yuan (50,000 yuan *15 = 750,000 yuan, which did not reach the upper limit of 800,000 yuan).
Employee Xiao Li has given birth to two children. She paid the housing provident fund for two years in a row according to the regulations, and the balance of the housing provident fund was 70,000 yuan. The first time she applied for a housing provident fund loan was to buy the first family-occupied house. Before the implementation of the New Deal (June 65438+1 October 20221,the maximum amount was raised from 600,000 yuan/household to 800,000 yuan/household), the loan amount of Xiao Li's provident fund was 800,000 yuan (70,000 yuan *12 = 840,000 yuan, reaching the upper limit of 800,000 yuan). After the implementation of the New Deal, Xiao Li's provident fund loan amount was 6.5438+0.2 million yuan, 70,000 yuan * 654.38+0.5 * (654.38+0.20%) = 6.5438+0.26 million yuan, reaching the upper limit of the loan amount of 6.5438+0.2 million yuan.
Ningbo registered households with two children, three children and minor children who already own two houses in Haishu District, Jiangbei District, zhenhai district District and Yinzhou District (hereinafter referred to as "City Four Districts") can purchase 1 set of commercial housing in the restricted area; Non-Ningbo registered two-child and three-child families with minor children who already own 1 apartment in four districts of the city can purchase 1 apartment in the restricted area.
Ningbo Housing and Construction Bureau said that the housing demand of two-child and three-child families due to the new population is a reasonable improvement demand, so 1 house purchase quota was added to the number of housing units stipulated before the implementation of the New Deal.
The implementation of housing levy and resettlement housing ticket system.
The "Notice" pointed out that it is necessary to vigorously promote the transformation of urban villages and urban-rural fringe areas, promote urban organic renewal, improve people's living environment, and enhance urban quality. At the same time, adjust and optimize the evaluation mechanism of collective land house expropriation and demolition, increase the proportion of monetary resettlement for house expropriation and demolition, and implement the system of expropriation and resettlement tickets. You can buy commercial houses or second-hand houses with house tickets, and actively guide real estate enterprises to provide purchase concessions to buyers with house tickets. Room tickets can also be redeemed at maturity or in advance according to the exchange rules. Relevant departments and regions have been formulating policies, systems and operating rules, and releasing them in due course.
The "Notice" requires that we should persist in optimizing the land supply structure, implement differentiated supply adjustment of ordinary commodity residential land according to the relationship between supply and demand, maintain a reasonable housing price difference, and rationally optimize the proportion of commercial and residential construction. Extend the payment period of land transfer fees. Pay 50% of the land transfer price (including the prepaid bid bond) within 1 month from the date of signing the land transfer contract. For ordinary commercial residential plots, the pre-application of intention shall be implemented, and the remaining transfer fees shall be paid according to the relevant requirements of the pre-application of intention; If the intention pre-application is not implemented, the remaining transfer fee can be paid within 1 year from the date of signing the land transfer contract.
Ningbo Housing and Urban-Rural Development Bureau interprets the changes in land supply, saying: First, optimize the land supply structure, increase the supply of high-quality pure residential land in core areas such as Sanjiang and East New Town, create benchmark quality real estate, enrich market product types, meet the housing needs of different levels of people, and improve the quality of the city. Second, in order to reduce the land acquisition cost of real estate development enterprises, maintain a reasonable profit rate and improve the enthusiasm of real estate enterprises, the newly supplied land will adjust the price and land price limit to make the price difference between houses more reasonable. Third, in terms of housing supply structure, land supply will be increased in areas with tight housing supply, and the proportion of business and office will be coordinated in combination with market demand to reduce excess supporting facilities.
Enterprises can use pre-sale funds exceeding the key supervision quota to pay Ningbo land bidding deposit.
To help enterprises get out of trouble, the Notice clarifies that real estate development enterprises can replace the corresponding pre-sale fund supervision quota of commercial housing pre-sale projects with bank guarantees, and the commercial housing pre-sale fund supervision bank shall not refuse to accept compliant bank guarantees.
On the premise of ensuring the safety of funds and not affecting the normal construction payment of the project, real estate development enterprises can use the pre-sale funds beyond the key supervision quota to pay the bid bond for Ningbo land, but the use period shall not exceed 45 days. Guide financial institutions to support the reasonable financing needs of real estate development enterprises on the premise of preventing risks, and speed up the approval and issuance of real estate project development loans.
At the same time, Ningbo will continue to carry out special actions to prevent and resolve risks in the real estate sector, focusing on "ensuring the delivery of houses, ensuring people's livelihood and ensuring stability", strengthening the prevention and resolution of major risks in the real estate sector and realizing closed-loop management of housing-related risks; Increase assistance to risk-related projects of housing enterprises, encourage state-owned enterprises to participate in project restructuring and revitalize projects; Standardize the market behavior of real estate enterprises, crack down on false propaganda related to housing, and protect the legitimate rights and interests of consumers.
Ningbo Housing and Construction Bureau specifically stated that,
In order to avoid risks, it is required to use pre-sale funds exceeding the key regulatory limits on the premise of ensuring the safety of funds and not affecting the payment of normal construction projects. At the same time, in terms of capital security, housing enterprises need to withdraw funds in time, and the use period shall not exceed 45 days. The parent company or head office of the real estate enterprise shall provide a promise or guarantee for the timely withdrawal of funds; In order to ensure the timely return of pre-sale funds, the management and housing construction departments will establish a communication linkage mechanism at the stages of land auction, fund use and return, and conduct closed-loop management of pre-sale funds used to pay the down payment to ensure the safety of funds.
In the pre-sale of commercial housing, Ningbo first actively promoted prefabricated buildings. The image progress condition for applying for the pre-sale permit of ordinary commercial housing is "one third of the high-rise buildings are capped with multiple floors", and the image progress of green building projects reaches 0, so you can apply for the pre-sale permit of commercial housing. In order to promote the process of building industrialization and increase the effective supply of housing, after the implementation of the New Deal, commercial housing projects with prefabricated buildings accounting for 35% or more of the construction area and the project image progress reaching zero can also apply for pre-sale permits for commercial housing. Second, the pre-sale construction area of each batch of commercial housing pre-sale permit project is temporarily adjusted from not less than 50,000 square meters to not less than 20,000 square meters, and the interval between each batch is temporarily adjusted from not less than 3 months to not less than 1 month; There is no minimum amount of 20,000 square meters per batch for projects or batches of commercial residential buildings to be sold, and local housing construction departments can flexibly grasp them according to the situation.