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Since the beginning of 20 15, the real estate market has been reported frequently. On March 30th, the Central Bank, the Ministry of Housing and Urban-Rural Development and the China Banking Regulatory Commission jointly issued a notice to purchase a second home for households who own houses and have not settled the corresponding housing loans. The minimum down payment ratio is adjusted to not less than 40%. For the tepid real estate market, the government injected it into the real estate market without compromise 20 15. Economist Ma Guangyuan can't help feeling that the China government and the real estate market are true love. Since the beginning of 20 15, China municipal government has issued a new real estate rescue policy. Let Bian Xiao take stock for everyone and provide some reference for you to buy a house.

Policy 1: On February 28th, 20 15, the central bank cut interest rates for the first time since 20 15.

The central bank decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from March 20 15/day. The benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 5.35%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to 2.5%.

Policy two. Minimum down payment adjustment of provident fund down payment in various places

The government work report of the "two sessions" in 20 15 pointed out that the real estate policy in 20 15 will adhere to classified guidance and local policies, implement the main responsibility of local governments, support residents' demand for self-occupation and improved housing, and promote the stable and healthy development of real estate. According to industry insiders, the new provident fund policy recently implemented is an echo of the central government's instructions to support self-occupation and improve demand. It is expected that more cities will introduce new policies in the future, further lowering the application threshold for provident fund loans.

Policy 3: 2065438+On March 25th, 2005, the new policies of the Ministry of Land and Resources and the Ministry of Housing and Urban-Rural Development were implemented.

20 15 On March 25th, the Ministry of Land and Resources and the Ministry of Housing and Urban-Rural Development jointly issued the Notice on Optimizing the Supply Structure of Housing and Land in 20 15 to Promote the Stable and Healthy Development of the Real Estate Market, demanding that the supply of housing and land in 2015 be limited and the scale of housing and land supply be reasonably arranged; Optimize the housing supply mode and promote the adjustment of land use structure; Take multiple measures to coordinate the construction of affordable housing projects; Department linkage, increase market order and supply supervision.

Policy 4: 2065438+March 30, 2005, the central bank announced that the down payment for the second home can be as low as 40%.

On March 30th, the Notice of the China Banking Regulatory Commission of the Ministry of Housing and Urban-Rural Development of the People's Bank of China on Issues Related to Individual Housing Loan Policy was issued, and the central bank, the Ministry of Housing and Urban-Rural Development and the China Banking Regulatory Commission jointly issued a notice to purchase a second home for households with a set of housing and outstanding housing loans, and the minimum down payment ratio was adjusted to not less than 40%. Use the housing provident fund loan to purchase the first set of ordinary self-occupied housing, with a minimum down payment of 20%; Families who own a house and have settled their loans apply for housing provident fund to buy a house again, and the minimum down payment ratio is 30%.

Policy 5: Ordinary houses purchased for more than 2 years on March 30th, 2015 shall be exempted from business tax.

On March 30th, the Ministry of Finance of People's Republic of China (PRC) issued the Notice on Adjusting the Business Tax Policy of Individual Housing Transfer, requiring that the period of exemption and exemption of individual housing transfer business tax be restored from 5 years to 2 years from March 3rd1. If an individual sells a house that has been purchased for less than 2 years, the business tax will be levied in full; If an individual sells a non-ordinary house that has been purchased for more than 2 years (including 2 years), business tax shall be levied according to the difference between the sales income and the purchase price of the house; Individuals who purchase ordinary houses for more than 2 years (including 2 years) for external sales shall be exempted from business tax.