Recently, the Municipal Housing Provident Fund Management Center issued the Notice on Further Improving the Housing Provident Fund Loan Policy, aiming at encouraging and supporting housing consumption, promoting the stable and healthy development of the real estate market in our city, and further exerting the role of housing provident fund in ensuring reasonable housing consumption.
The "Notice" stipulates that from May 1 1 day, employees' families will pay housing provident fund loans to purchase the first set of ordinary self-occupied housing, with a down payment ratio of 20%; Workers' families who own 1 apartment and have settled their housing provident fund loans, in order to improve their living conditions, apply for housing provident fund loans again to buy ordinary self-occupied houses of 144 square meters or less, with a down payment ratio of 30%. For the identification of the first suite, the municipal housing provident fund management center adopts the principle of "recognizing loans but not recognizing houses".
In order to optimize the process of "transferring commercial loans to provident fund loans", the Provident Fund Center cooperated with the entrusted bank of provident fund loans to transfer the applied provident fund loans to the original commercial banks to repay the original commercial loans on their behalf, without the need for employees to raise funds to settle the commercial loans in advance, thus solving the financing difficulties of the original commercial loan borrowers.
In addition, the "Notice" also calls for the promotion of off-site provident fund loan business and the implementation of mutual recognition of housing provident fund deposits in different places. Workers who deposit housing provident fund in their places of employment can purchase self-occupied housing in our city, and apply for housing provident fund personal housing loans from the housing provident fund management center of our city with the proof of deposit issued by the housing provident fund management center of the place of employment. (Wu Hui, Mao Ji, Sun Yuanyuan)
(Related news) In May, 40 or 50 sets of second-hand houses with "over 2 but under 5" actively entered the market every day.
Jinshan Net News The "3 30 New Deal" in the property market not only reduced the down payment for the second home to 40%, but also changed the second-hand house business tax exemption period from 5 years to 2 years. At present, there are many "2 but not 5" second-hand houses in our city, which makes the second-hand housing market active.
Recently, the reporter went to the real estate registration management center several times and saw that there were basically no seats in the waiting area of the hall. It was also dark in front of the tax payment window on the fourth floor, and even the consultation window was lined up. Yesterday at noon 12, although it was raining outside, the public's enthusiasm for real estate transactions was still high. The work of the real estate registration management center started at night 1, and Xiaoding, the real estate agent, arrived half an hour earlier. She will prepare the information needed for the transfer, help the buyers and sellers fill in the form, and only wait for the signature of the owner, Ms. Gao, and the buyer, Mr. Liu. 12: 50, the buyer and the seller arrive at the real estate registration management center. At this time, there are already 20 people in the hall, and there are five or six people waiting in line to get the number.
The reporter learned from the real estate registration management center that in May, there were 40-50 sets of second-hand houses sold every day in the urban area, many of which entered the market after "5 to 2". In a real estate agency on Meng Xi Road, the staff said that after the implementation of the New Deal, the number of customer inquiries generally increased, and the number of houses with "more than 2 but less than 5" increased by about 35%. "Especially in mid-April, a large number of houses poured in."
There are many people consulting and many people looking at the house. Mr. Xu, a citizen, recently prepared to buy a house and chose several houses on the real estate website and intermediary. "Sometimes I look at four or five houses a day and at least a dozen suites a week." Mr. Xu said that he planned to buy a house last year, but he was not satisfied with several sets. "Now that the New Deal has come out, there are more houses, wider choices and lower prices. It is a good time to shoot! "
Before the New Deal, 5.5% business tax was required for houses with less than 5 years of real estate license, such as houses with a total price of 6,543.8+0,000 yuan, and this part of the tax alone reached 55,000 yuan. After the "3.30 New Deal" was introduced, this fee was reduced, which lightened the burden for buyers or sellers and increased the bargaining space for both parties.
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