Specifically, Langfang has increased its investment in eligible individual housing mortgage loans to meet the financing needs in time. Reasonably determine and promote the implementation of the minimum down payment ratio of commercial personal housing loans; 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 weighted average interest rate of new personal housing loans in August 2022 in the city is lower than that in April by 30 basis points; The lower limit of the interest rate policy for two sets of commercial personal housing loans shall be implemented according to the existing regulations.
Further reduce the down payment ratio of housing provident fund loans. If the paid employees use the housing provident fund loan to purchase the first family-occupied housing, the down payment ratio shall not be less than 20%. For the paid workers' families who own 1 house and have settled the corresponding housing loan, they should apply for housing provident fund loans again to buy ordinary self-occupied houses, and the down payment ratio should not be less than 20%. For the paid employee families who own 1 apartment but have not settled the corresponding commercial personal housing loans, they should apply for housing provident fund loans again to buy ordinary self-occupied housing, and the down payment ratio should not be less than 30%.
Reasonably meet the development loan demand of real estate development enterprises. Increase investment in working capital loans for construction enterprises.
For the introduction of high-end talents (the specific scope is determined by the counties (cities, districts) in combination with the actual situation), all localities can give subsidies when purchasing the first set of self-occupied housing, and increase the maximum loan amount of housing provident fund; Renting a house locally can give rent subsidies.
Support all localities to combine local conditions and take the stock of commercial housing as an important channel to raise shantytown renovation, resettlement houses in urban villages and affordable rental housing. Allow the resettled people to choose monetary resettlement, off-site physical resettlement and off-site resettlement independently.
For green building projects such as ultra-low energy consumption buildings, star-rated green buildings, building renewable energy applications, prefabricated buildings and energy-saving green renovation of existing buildings that meet the scope of green financial support, the project review time will be advanced to solve the problem that the green building review time does not match the project financing demand, and support projects to enjoy green financial policies such as credit line, credit scale and interest rate pricing in time.
Accelerate the construction of the "online hall" mode of housing transactions, promote the integrated application of "online service platform and offline service window", and improve the efficiency of online signing and filing services for new commercial housing and stock houses. Through * * * sharing information, window extension and other means, gradually promote the implementation of "issuing certificates upon delivery" for commercial housing. During the epidemic prevention and control period, real estate development enterprises and real estate brokerage institutions are encouraged to actively build trading platforms, do a good job in clearly marking online houses and publicizing "one room, one price", provide online remote house viewing, inquiry negotiation, house selection, house locking and other services for buyers, and sign house sales contracts online by using electronic signature technology to provide convenient conditions for buyers.