The Notice pointed out that in order to thoroughly implement the decision-making arrangements of the CPC Central Committee and the State Council, we should adhere to the positioning that "houses are for living, not for speculation" and support the commercial housing market around the goal of "stabilizing land prices, housing prices and expectations". To better meet the reasonable housing needs of buyers, due to the city's policy to promote a virtuous circle and healthy development of the real estate industry, six work measures have been formulated, including improving financial services in the housing sector; Adjust the proportion of provident fund loans; Strengthen the supervision of the real estate sales market; Strengthen the linkage between land supply and real estate market; Optimize the examination and approval procedures of real estate projects; Strengthen the construction of urban infrastructure.
In terms of improving financial services in the housing sector, measures are proposed to speed up the examination and approval procedures for the undistributed part of existing mortgage loans, increase the credit line, and ensure the timely issuance of loans that meet the loan conditions. The down payment ratio of commercial personal housing loans for households to purchase ordinary housing for the first time is not less than 25%; For households that own 1 apartment and the corresponding housing loans are not settled, the down payment ratio for re-applying for commercial personal housing loans to improve their living conditions shall not be less than 30%; Reasonably determine the interest rate level of individual housing loans and actively promote the downward adjustment of mortgage interest rates.
In adjusting the proportion of provident fund loans, the "Measures" proposed to reduce the down payment ratio of second-home provident fund loans from the current 30% to 20%. According to the talent level and category standard of Meizhou Talent Apartment, if you buy the first self-occupied housing and apply for housing provident fund loans, the loan amount of different levels of talents will increase by 20% to 1 times, and the loan amount will not be limited by the balance of individual housing provident fund accounts.
In terms of strengthening the supervision of the real estate sales market, the "Measures" propose that the number of pre-sale funds can be appropriately increased by 1 2 times, and the payment of special maintenance funds for houses can be postponed for up to six months, so as to guide real estate enterprises to take the initiative to assume social responsibilities, such as introducing preferential policies for the purchase of houses by specific social groups such as high-level talents, epidemic prevention personnel and families with three children.
In terms of strengthening the linkage between land supply and the real estate market, the Measures propose to adjust the land supply plan in a timely manner according to changes in market demand, maintain the basic balance between supply and demand in the real estate land market, and maintain a reasonable and orderly balance of land supply.
In terms of optimizing the approval procedures for real estate projects, the Measures propose that real estate projects that meet the requirements of national laws and regulations, industrial policies and market access standards should be filed in accordance with the principle of project territoriality, and the filing should be completed within 1 working day. At the same time, do a good job in the energy-saving review service of real estate projects, and accept and speed up the processing according to regulations and procedures in combination with the examination and approval authority.
In terms of strengthening the construction of urban infrastructure, the Measures propose to speed up the expansion and upgrading of cities, do a good job in supporting the implementation of infrastructure, strengthen land use, increase public service facilities, strengthen the planning of urban functional facilities, conscientiously implement the relevant provisions on clearing and standardizing the charges of urban water supply, power supply, gas supply and heating industries, optimize the registration and access services of municipal public facilities such as water supply, drainage, communication, cable radio and television, and promote the stable and healthy development of the real estate market.