Measures include: financial institutions provide sufficient credit lines, speed up lending, and give priority to meeting the loan needs of buyers. If the information is complete and meets the loan conditions, the loan can generally be made within 5 working days; Reduce the borrower's capital cost, and reduce the down payment ratio of the first suite to a minimum of 20%.
The Measures stipulate that, according to the borrower's credit status and market pricing principles, the assessment of financial institutions should be strengthened, and financial institutions should be encouraged and guided to reduce the loan interest rates for the first suite and improved housing to the maximum extent according to the latest loan market quotation and the latest requirements of the differentiated housing credit policy (May 15, 2022: the lower limit of the national commercial personal housing loan interest rate for the first suite for more than five years is 4.4%), and the loan interest rate for the first suite and improved housing should be repaid in advance with 0 penalty interest.
The "Measures" stipulate that financial institutions are encouraged to apply for loans to purchase commercial housing for families who own a set of housing and have settled the corresponding housing loans, and implement the first home loan policy in order to improve their living conditions.
The Measures stipulate that the housing provident fund should be strengthened to support reasonable housing needs such as the first set of housing and improved housing, and the loan amount should be increased. In line with the conditions of housing provident fund loans, the maximum amount of personal loans is adjusted from 300,000 yuan to 400,000 yuan, and the maximum amount of loans for both husband and wife is adjusted from 400,000 yuan to 500,000 yuan; Accelerate the progress of loan issuance. If the housing provident fund loan cannot be repaid normally due to the epidemic, it will not be overdue after being audited by the housing provident fund management department, and no overdue interest will be charged.
The "Measures" stipulate that under the premise of keeping the price of new commercial housing stable, real estate development enterprises will be guided to give 3%-5% discount to individuals or families who voluntarily purchase new commercial housing. (End)