Increase the loan amount of housing provident fund, and adjust the maximum loan amount paid by husband and wife from 500,000 yuan to 600,000 yuan, and adjust the maximum loan amount paid by employees who have two or three children from 600,000 yuan to 700,000 yuan.
Guide bank financial institutions to reasonably determine the minimum down payment ratio of commercial personal housing loans, and the minimum down payment ratio of loans for families who purchase the first set of ordinary self-occupied housing is 20%; The loan period of second-hand houses with obvious regional advantages is adjusted to less than 30 years; 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; If a family who owns a house and has not settled the corresponding housing loan applies for a commercial personal housing loan to buy ordinary self-occupied housing again, the minimum down payment ratio is 30%.
Anyang City also proposed to encourage banking financial institutions to develop housing mortgage loan products for "new citizens" such as trade union members, frontline workers involved in fighting the epidemic, college graduates, and courier brothers, and flexibly set access thresholds, credit ratings, guarantee methods, loan quotas, and interest rate concessions. Support the development of mortgage loan business by auction.
Anyang will also implement the deed tax subsidy for house purchase. From April 25th to February 30th, 65438+3 1, if you buy commercial housing in Anyang city and pay deed tax, you will be given a consumption subsidy of 50% of the deed tax paid; Before April 25th, buy commercial housing in Anyang city, and pay the deed tax of 3 1 from April 25th to February 25th, and give a consumption subsidy of 20% of the deed tax paid. Those who purchase non-residential commercial housing and pay the deed tax of 3 1 from April 25th to February 25th will be given a consumption subsidy of 20% of the deed tax paid.
Optimize the supervision of pre-sale funds. Real estate development projects can replace the funds in the pre-sale fund supervision account by means of bank guarantee, commercial insurance, state-owned guarantee company guarantee, etc., and the guarantee amount shall not exceed 50% of the funds to be supervised, and can be adjusted accordingly according to the pre-sale fund disbursement node.
Appropriately delay the payment of supporting fees for urban infrastructure. From the date of issuance of this opinion to February 3, 20221day, the newly acquired land for real estate development projects can be applied for payment of supporting fees for urban infrastructure in batches, with the longest period not exceeding 6 months. If the payment is not made in full within the time limit, the pre-sale permit will not be handled and penalty interest will be charged.
Increase credit financing support. Regularly organize bank-enterprise docking, encourage financial institutions to issue and renew loans to enterprises in difficulty, and carry out M&A loans for real estate projects in a safe and orderly manner in accordance with the principles of legal compliance, controllable risks and sustainable business, effectively alleviating the operating pressure of the capital chain of market entities.
Financial institutions should distinguish between project risks and enterprise group risks, increase support for high-quality projects, and do not arbitrarily lend, cut off loans or press loans, and do not engage in "one size fits all" to keep real estate development loans stable and orderly; On the basis of controllable risks, moderately increase support such as working capital loans to meet the reasonable financing needs of enterprises.
From the date when the opinions are issued to before 65438+February 3, 2023 1, the minimum proportion of land auction deposit for newly acquired land in real estate development projects can be reduced to 20% of the listing price, and the land transfer fee can be paid in installments within1year after the transaction. However, 50% of the transfer price must be paid within 1 month after the signing of the land transfer contract, and the remaining price must be paid before handling the pre-sale permit for commercial housing.