The "Notice" mentioned that reducing the burden of personal housing consumption, guiding credit institutions to increase the supply of personal housing mortgage loans, lowering the interest rate of housing loans, and better meeting the reasonable credit demand of personal housing consumption, households will purchase commercial personal housing loans for ordinary housing for the first time, with a minimum down payment ratio of 20%.
For families who own a set of housing and have settled the corresponding housing loans, if they apply for loans to buy ordinary commercial housing again, the first home loan policy will be implemented; For families who own a house and have not settled the corresponding housing loan, the minimum down payment ratio is 30%.
At the same time, the implementation of housing deed tax subsidies. Before the implementation of these measures, the purchase of commercial housing (excluding second-hand housing) in Xinyang City will not be subject to deed tax. After the implementation of this measure, the deed tax subsidy paid is 20%. After the implementation of these measures, those who purchase commercial houses (excluding second-hand houses) in Xinyang city and pay deed tax will be given a subsidy of 50% of the deed tax paid.
Used to buy non-residential commercial housing (such as facade houses, apartments, office buildings, etc.). ) and pay the deed tax, giving a subsidy of 20% of the deed tax paid. The above deed tax subsidies shall be based on the filing time of the online signing of the house purchase contract, and the deed tax shall be paid before 65438+February 3, 20221.
In terms of increasing the maximum amount of housing provident fund loans, the notice mentioned that if only one of the single or husband and wife pays the housing provident fund, the maximum loan amount will be increased from 400,000 yuan to 600,000 yuan when buying a house, and the maximum loan amount will be increased from 480,000 yuan to 650,000 yuan when buying a prefabricated commercial house; If both husband and wife pay the housing provident fund, the maximum loan amount will be raised from 500,000 yuan to 800,000 yuan when buying a house, and from 600,000 yuan to 850,000 yuan when buying an assembled commercial house. For high-level talents recognized by Xinyang City, if only one of the single or husband and wife pays the housing provident fund, the loan amount calculated according to the loan accounting method of the city housing provident fund center will increase by 6.5438 million yuan, but the maximum loan amount will not exceed 650,000 yuan; If both husband and wife pay the housing provident fund, the loan amount calculated according to the loan accounting method of the municipal housing provident fund center will increase by 6,543,800 yuan, but the maximum loan amount will not exceed 850,000 yuan.
In terms of stabilizing the pace of land supply, the Notice mentioned that the land bidding, auction and hanging system should be further improved, the territorial responsibility should be compacted, and the requirements for "net land" transfer should be strictly implemented. Strengthen the regulation of real estate land, reasonably determine the supply of new land according to the development cycle of commercial residential and non-residential buildings, and ensure the balance between supply and demand. In the case that the de-chemical cycle of commercial housing is less than 18 months and the cycle of non-residential land is less than 48 months, the supply of commercial housing and non-residential land will be appropriately increased; When the de-urbanization period of commercial housing is longer than 18 months, and the de-urbanization period of non-residential housing is longer than 48 months, the supply of commercial housing and non-residential land will be moderately reduced. For the operating land that has been included in the reserve, it is necessary to adjust the land supply in time according to the land market demand, give priority to meeting the demand for residential land, and at the same time increase the vitality of approved but not supplied and idle real estate development land.
The Notice also mentioned that the delivery period of real estate projects should be postponed. Affected by the epidemic force majeure, some real estate projects can not fulfill the obligations of construction and commercial housing delivery within the prescribed time limit, allowing construction enterprises and real estate development enterprises to extend the time limit accordingly. At the same time, real estate development enterprises should shoulder the main responsibility, do a good job in publicizing and explaining the policies of the people who buy houses, take measures to effectively safeguard the rights and interests of buyers, and resolutely prevent petitions and litigation incidents caused by the delay in delivery of houses. The extension period shall not exceed three months.
At the same time, the implementation of the "housing delivery certificate" work. After the newly-built commercial housing project has passed the joint acceptance of the five responsible parties, the development and construction unit may apply to the real estate registration department for the first registration of real estate at the same time when applying for the completion acceptance of the project. The real estate registration department should adopt the vacancy acceptance mechanism and intervene in advance. After the completion acceptance filing is completed, the real estate registration agency can use data access or development enterprises to fill in the information such as completion filing, register and issue certificates after examination, and handle the real estate transfer registration for buyers.