The "Measures" mentioned that the minimum down payment ratio of commercial mortgages and provident fund loans for first-time home purchases was adjusted to 20%; The minimum down payment ratio of commercial mortgage and provident fund loan for purchasing a second house is adjusted to 30%. Guide commercial banks to reasonably reduce the interest rate of commercial personal housing loans and support rigid and improved housing demand. For households who purchase ordinary self-occupied housing by loans, the lower limit of the interest rate of the first set of commercial personal housing loans is adjusted to not less than the quoted interest rate of the loan market minus 20 basis points in the same period, and the lower limit of the interest rate policy of the second set of commercial personal housing loans is implemented according to the current regulations. Optimize the financial services of affordable housing and support the construction of affordable housing.
At the same time, expand the coverage of the provident fund system for flexible employees and support the reasonable housing needs of flexible employees. If both husband and wife normally pay the housing provident fund in full, the loan amount of housing provident fund will be increased to 700,000 yuan. Reduce the time for issuing housing provident fund loans to less than 1 month, reduce the access conditions for housing provident fund loan projects for real estate enterprises with a credit rating of 4A, and apply for housing provident fund loans when the main body of single high-rise residential projects is 50% completed. We will fully implement the "provident fund commercial bank" portfolio loan, expand the online channel of "rushing to repay the loan", and reduce the pressure on employees to return their houses. Actively carry out off-site loans to support the loan demand of off-site buyers. Reasonably increase the withdrawal amount of provident fund rental housing, support depositors to withdraw as needed, and better meet the actual needs of depositors to pay rent. Smooth the channels for transferring commercial loans to provident fund loans. In 2022, depositors affected by the COVID-19 epidemic before 65438+February 3 1 will not be overdue and will not be submitted to the credit reporting department as overdue records.
Xining cancels the sales restriction and suspends the restriction that newly purchased houses (including newly-built commercial houses and second-hand houses) can only be transferred after obtaining the certificate of immovable property rights for two years.
In terms of talent housing security, Xining will speed up the construction of "carrying bags and staying in" talent apartments, establish a multi-level and multi-channel talent housing security mechanism, strive for relevant subsidy policies, and support the introduction of talents to live and buy homes in Xining. Implement "rent and purchase at the same time", increase the construction of affordable rental housing, cultivate the housing rental market, and promote "rent and purchase with the same rights". If the non-residential houses used for living meet the relevant standards such as one household, one meter and household measurement, the civil price charging standard shall be implemented. Allow the property owner himself, his spouse and children to go through the formalities of buying a house and settling down.
In terms of land supply, Xining said that it will rationally determine the annual supply plan and supply structure of state-owned construction land, flexibly grasp the supply scale and rhythm, stimulate market vitality, and promote the overall balance between supply and demand in the market. Where the right to use state-owned construction land is transferred by means of bidding, auction or listing, the bid bond shall be executed at no less than 20% of the initial listing price, and 50% of the land transfer price shall be paid within one month after the signing of the land transfer contract. The remaining price may be paid in installments according to the contract, and the longest payment period shall not exceed 1 year.
For projects that support the construction of key projects in Xining, newly acquire state-owned construction land and start construction within 6 months, the image progress condition of commercial housing pre-sale permit application is adjusted to 0.
Xining encourages financial institutions to increase financial support for small and medium-sized real estate enterprises, high-quality real estate projects and non-residential commercial housing sales, and does not blindly lend, cut off loans, and suppress loans, and does not engage in "one size fits all" to keep real estate development loans stable and orderly. Enterprises affected by the COVID-19 epidemic can apply for deferring the housing provident fund before February 65438+February 3 1 in 2022, and pay it back after the expiration. During this period, paid employees can normally withdraw and apply for housing provident fund loans, which is not affected by the holdover. For the real estate development enterprises affected by the epidemic, if they can't fulfill the obligations of the commercial housing sales contract on time, the delivery period of commercial housing can be appropriately extended, and the longest time is no more than 6 months.
In addition, Xining will continue to carry out rectification and standardize the order of the real estate market. Formulate the guidance plan for the record of the sales price of new commercial housing in Xining. Intensify efforts to rectify outstanding problems such as abnormal real estate prices, false propaganda of housing sales, pension fraud and so on, which are strongly reflected by the people and highly concerned by the society, and safeguard market order and the legitimate rights and interests of housing consumers.