On October 9, Susong County, Anqing City, Anhui Province issued the "Notice on Several Measures to Respond to the Impact of the Epidemic and Promote a Virtuous Cycle and Healthy Development of the Real Estate Industry" (hereinafter referred to as the "Notice"), involving 11 measures including provident fund loan limit, down payment ratio, and delayed delivery.
The document shows that if both spouses contribute to the housing provident fund, the maximum loan amount will be increased from 450,000 yuan to 500,000 yuan, and if one party contributes to the housing provident fund, the maximum loan limit will be increased from 350,000 yuan to 400,000 yuan. The specific loan amount is linked to the employee provident fund monthly payment and repayment ability.
If you apply for a housing provident fund loan for the first time to purchase a new commercial housing, the minimum down payment ratio is 20 (the minimum for second-hand housing is 30); if the first loan has been paid off, and you apply for a housing provident fund loan for the second time to purchase a new commercial housing, The minimum down payment ratio is 30 (the minimum for second-hand houses is 40), and the loan interest rate is 1.1 times the housing provident fund loan benchmark interest rate.
Enterprises affected by the epidemic can apply for deferment of housing provident fund payments from June to December 2022 in accordance with regulations. After the expiration of the payment period, employees who have paid during the period can withdraw and apply for housing provident fund loans normally and are not subject to deferment. Affected by the epidemic; depositors affected by the epidemic who are unable to repay housing provident fund loans normally between June 1 and December 31, 2022 will not be treated as overdue, and will not be reported to the credit department as an overdue record. The maximum withdrawal amount of housing provident fund for rental commodities will be increased to 1,200 yuan per household per month, and the withdrawal shall be based on actual rent expenditure within the maximum limit.
Optimize the supervision of commercial housing pre-sale funds and appropriately adjust the flexibility and adaptability of the allocation and use of regulatory funds. Before December 31, 2022, based on the actual progress of the project, all projects that have not stopped production and have been completed and accepted for record will be Projects can be allocated by increasing a disbursement node. After the commercial housing pre-sale fund supervision account was frozen by the People's Court, real estate development companies, commercial housing construction project creditors, material creditors, rental equipment creditors, etc. requested to use the pre-sale fund supervision account funds to pay project construction progress payments, material payments, and equipment payments. If the funds are needed for project construction, or if the house purchaser applies for a refund of the purchase price due to the termination of the house purchase contract, and the housing and construction department has reviewed and approved it, the commercial bank shall pay it in a timely manner.
The "Notice" proposes to reduce the burden of individual housing consumption. Guide financial institutions to actively implement the latest requirements of the People's Bank of China and China Banking and Insurance Regulatory Commission's "Notice on Adjusting Issues Related to Differentiated Housing Credit Policies" (Yinfa [2022] No. 115), based on their own operating conditions, real estate market situation and other factors and marketization The principle of differentiated pricing will gradually reduce the interest rates of newly issued commercial personal housing loans. Guide financial institutions in Susong County to increase the issuance of personal housing mortgage loans to better support rigid and improved housing needs. For people who have temporarily lost their source of income due to the impact of the epidemic, financial institutions distinguish between their repayment ability and willingness to repay, and support their existing personal housing loans by reasonably extending the repayment period and flexibly adjusting the repayment plan. Financial institutions are encouraged to simplify the review and approval materials, optimize the review and approval process, and strive to complete the review and approval within 2 working days when the information is complete, and issue loans on the same day after filing.
The "Notice" also proposed to postpone the delivery deadline. Continue to implement the "Susong County Real Estate Market Regulation Joint Meeting 2021 First Meeting Minutes" (Songfang Lianji [2021] No. 1). Real estate development projects that are still within the contract period before November 24, 2021 can be extended appropriately. In principle, the delayed delivery time should be controlled within 3 months. For real estate development projects that have newly obtained pre-sale permission after November 24, 2021, due to the impact of the epidemic, the delivery deadline can be extended by 30 days. If real estate development enterprises encounter periodic difficulties, local governments and relevant departments must adhere to market rules and at the same time follow the principle of "one enterprise, one policy" to actively help enterprises solve practical difficulties.
The document proposes to optimize the commercial-residential ratio of newly transferred land. Allow the overall balance of building capacity of newly transferred commercial plots. Adjacent plots within the same parcel of land newly transferred at the same time, if the land nature is commercial land, the overall balance of building capacity between the plots is allowed to not exceed the maximum total area, and the planning and construction plan shall be submitted for review simultaneously.
Explore the phased acceptance method of the project, optimize the acceptance standards, and on the premise of meeting the planning permission, trial the separate completion acceptance of unit projects that have met the use functions. For residential, commercial, office and other development projects intended for sale, within the land area corresponding to a construction project planning permit, the planning acceptance of individual buildings and the verification of project planning shall be conducted separately.
In terms of phased adjustments to the image progress of pre-sale licenses, if a project applies for a commercial housing pre-sale license for the first time before December 31, 2022, the image progress requirements will still comply with the original standards (plus or minus 1/3 above zero) . If you apply for a commercial housing pre-sale license again, the project image progress can be adjusted to reach plus or minus zero, but the following conditions must be met: 1. During the early sales process of the project, the regulations on the deposit and use of commercial housing pre-sale funds are strictly implemented, and there are no violations; 2. The project The construction progress is normal and there has been no suspension of work or production.
Appropriately adjust the flexibility and adaptability of the allocation of regulatory funds. Before December 31, 2022, based on the actual progress of the project, for projects that have not stopped production and have been completed and accepted for record, one allocation node can be increased. . After the commercial housing pre-sale fund supervision account was frozen by the People's Court, real estate development companies, commercial housing construction project creditors, material creditors, rental equipment creditors, etc. requested to use the pre-sale fund supervision account funds to pay project construction progress payments, material payments, and equipment payments. If the funds are needed for project construction, or if the house purchaser applies for a refund of the purchase price due to the termination of the house purchase contract, and the housing and construction department has reviewed and approved it, the commercial bank shall pay it in a timely manner.
Susong County requires support for corporate project loans. Financial institutions are not allowed to withdraw loans, cut off loans, or suppress loans without reason, and ensure the orderly disbursement of housing loans for real estate development companies, construction companies, and individuals. Financial institutions are encouraged to follow the principles of marketization and rule of law to support companies that have been seriously affected by the epidemic and have difficulties in repaying due loans by means of extensions, and submit credit records based on the adjusted repayment arrangements. Corporate banks should strengthen their support for the mortgage business of township real estate projects and ensure the normal delivery of projects.
The resettlement of commercial housing for the renewal and reconstruction project in the old city will be mainly based on the resettlement of commercial housing with room tickets, and the room ticket resettlement policy will be implemented throughout the county in a timely manner.
Continue to carry out order rectification work in the real estate market, implement "double random inspections and one open" inspection, increase joint law enforcement efforts, and seriously investigate and deal with pre-sales without approval, false propaganda, misappropriation of pre-sale funds, disguised evasion of control policies, etc. Violations of laws and regulations.
All online platforms and self-media must accurately interpret the real estate market situation and policies in accordance with relevant policies and regulations, and correctly guide market expectations. Relevant departments must strengthen the management of media releases such as online platforms and self-media, and seriously investigate and punish in accordance with the law any behavior that disrupts market order such as the spread of fabricated false information, false propaganda, malicious hype, etc.