The "Notice" shows that buyers who purchase new commercial housing in urban areas are given housing subsidies. Purchase each subsidy below 90 square meters (inclusive) 1 10,000 yuan; Buy more than 90 square meters of each set of subsidies of 20 thousand yuan. Two-child families that meet the national birth policy will receive an additional subsidy of 5,000 yuan each, and three-child families will receive an additional subsidy of 1 10,000 yuan each.
Full-time doctor, full-time senior professional title talents, full-time master, associate senior professional title and senior technician talents, full-time undergraduate, intermediate professional title and technician talents, full-time junior college and senior worker talents who have been employed for the first time and started their business within two years in Xianning city will be given housing subsidies of100000 yuan, 60000 yuan, 40000 yuan and 20000 yuan respectively.
In terms of increasing financing credit support, the Notice mentioned that the down payment ratio for households that guide financial institutions to strongly support the demand for rigid and improved housing and purchase the first set of ordinary commercial housing should not be less than 20% of the total house price, and the second set and above should not be less than 30%. At this stage, the interest rate of commercial personal housing loans is implemented according to the standard that the first set is not higher than 4.8% and the second suite is not higher than 5.05%. Banking financial institutions are encouraged to adjust the interest rate of commercial personal housing loans accordingly according to market changes.
For families who own a house and settle the related house purchase loans, if they apply for loans to buy ordinary commercial housing again in order to improve their living conditions, banking financial institutions are encouraged to implement the first home loan policy.
In terms of increasing the support for housing provident fund, on the premise that it is not higher than 80% of the total purchase contract price, dual-employee families with both husband and wife paying housing provident fund normally apply for housing provident fund loans, and the upper limit of the amount is raised from 500,000 yuan to 600,000 yuan; Workers in the same set of housing apply for the loan business after the housing provident fund is withdrawn first, and the original provision that the sum of the withdrawal amount and the loan amount is not higher than the upper limit of the loan amount is cancelled; Xianning housing provident fund deposit workers to buy self-occupied housing to apply for provident fund loans or balance withdrawal, can also apply for a one-time withdrawal of parents, children's housing provident fund balance (the account retains 100 yuan).
In addition, if employees who deposit in different places buy self-occupied housing in urban areas and apply for housing provident fund loans, the original restrictions on paying the housing provident fund for six months in Xianning will be cancelled.
For housing enterprises, the New Deal also mentioned adjusting the pre-sale permit conditions of commercial housing. Pre-sale permit can be applied for new commercial housing projects with planned floors below 6 floors above the ground until the structure of 1 floor above the ground is capped, new commercial housing projects with floors 7 to 12 (inclusive) until the structure of 3 floors above the ground is capped, and new commercial housing projects with floors above 13 (inclusive) until the structure of 6 floors above the ground is capped.
The New Deal also clearly regulates the order of the intermediary market, further regulates the behavior and standards of service charges of real estate intermediaries, guides development enterprises and real estate intermediaries to control the service charges within 4% of the total housing sales price, and increases the crackdown on illegal acts in the real estate intermediary service market to actively create a healthy and orderly market environment.