The "Measures" propose to guide financial institutions to reduce the minimum down payment ratio and the minimum loan interest rate of the first and second sets of improved housing personal mortgage loans for residents. The minimum down payment ratio for the first home is lowered to 20%, and the minimum loan interest rate is lowered to the loan market quotation for the same period. Minus 20 basis points. For families who own 1 apartment and have settled the corresponding housing loans, and apply for loans to buy ordinary commercial housing again to improve their living conditions, financial institutions will be guided to implement the first home loan policy.
Bengbu City proposed that enterprises affected by the epidemic can extend the housing provident fund from June 2022 to June 65438+February according to regulations, and pay back after the expiration. During this period, paid employees can normally withdraw and apply for housing provident fund loans without delay. If the depositor affected by the epidemic cannot repay the provident fund loan normally, it is not overdue and is not included in the credit record. Increase the withdrawal amount of housing provident fund rental, and increase the rental of married families from the previous 15000 yuan to 18000 yuan. Increase the support of provident fund loans for the first and second sets of improved housing demand, and adjust the maximum amount of individual housing provident fund loans from 200,000 yuan to 300,000 yuan, and the maximum amount of housing provident fund loans for both husband and wife from 400,000 yuan to 500,000 yuan; The down payment ratio of the second application for self-occupied housing provident fund loan will be reduced from not less than 50% to not less than 40%.
According to the document, all buyers who buy new commercial housing and second-hand housing in Bengbu can apply for household registration with the registered commercial housing sales contract and deed tax payment certificate, and their children can enjoy the degree of public school in the compulsory education stage where the property is located according to regulations.
Support the demand for talent housing. In accordance with the implementation measures for promoting the introduction of innovative and entrepreneurial talents in industrial parks (Bangfa [2021] No.4), those who purchase the first set of housing in Bengbu city will be given a one-time housing subsidy. Doctor, full-time senior professional and technical post or corresponding level personnel 200,000 yuan, master, senior technician, deputy senior professional and technical post or corresponding level personnel 80,000 yuan, undergraduate, technician, intermediate professional and technical post or corresponding level personnel 50,000 yuan. The application conditions for housing provident fund loans can be appropriately relaxed.
Optimize the payment method of land transfer fee. The minimum proportion of the auction deposit for newly sold commercial and residential land is adjusted to 20% of the listed price, and the land transfer fee can be paid in installments within 1 year from the date of signing the land transfer contract. In the case that the payment ratio of land transfer fee is not less than 50% and the property right certificate has not been obtained, all relevant functional departments can go through the examination and approval procedures such as construction land planning permit, construction project planning permit and construction permit that do not exceed 50% of the approved total planning area, and pay off the land transfer fee and handle the property right certificate before handling the pre-sale permit of commercial housing.
Optimize the pre-sale management of commercial housing. Support enterprises to meet reasonable capital requirements in the process of project construction. On the basis of five pre-sale fund disbursement nodes, namely, foundation completion, main structure 1/2, main structure capping, completion acceptance filing and comprehensive acceptance, two nodes, namely, main structure 3/4, facade completion and door and window installation, are added. For real estate development projects that choose AAA credit rating construction enterprises in Bengbu as the general contractor, the upper limit of the distribution amount of each node will rise by 5%, but it will not exceed 95% of the total amount of key supervision funds.
Optimize project fund management. After the development project obtains the pre-sale permit for the first time, the fund supervision of the project will be cancelled.
Optimize the supply of real estate land. Scientifically and reasonably determine the scale and use of new real estate land, and promote the balance between supply and demand. Accelerate the construction progress of infrastructure such as roads and underground pipe networks around reserve plots and public facilities such as education and medical care. Combined with the development status around the project, urban bypass roads, street parks and other supporting facilities can be included in the planning conditions.
Increase credit support for real estate enterprises. Strengthen the docking between banks and enterprises, and actively provide project mortgages and mortgage loans for projects under construction for development enterprises. Reasonably distinguish between project risks and group risks, do not blindly borrow, break or pressure loans, and reasonably extend the repayment period, renew loans or reduce financing costs for enterprises with good credit. Increase the credit support for real estate enterprise M&A, and effectively alleviate the financial pressure of market players.
Optimize the approval of development projects. Actively promote the tolerance commitment approval mechanism, and the projects whose planning and design schemes have been approved can go through the preliminary construction procedures in stages, carry out earthwork excavation and foundation pit support construction, carry out quality and safety supervision simultaneously, and speed up the project start. At the stage of completion and acceptance, the construction unit is encouraged to handle the surveying and mapping of the project completion plan and the actual measurement of the house, and complete the verification of the completion plan, land review and acceptance and the verification of the actual measurement results of the house. The construction unit can independently choose the joint acceptance method according to the needs, and jointly handle the construction project planning verification, civil air defense project completion acceptance filing, construction project completion acceptance filing and construction project fire protection acceptance or filing. After the joint acceptance, the first registration of real estate can be handled simultaneously, which will promote the realization of "obtaining the certificate after acceptance".