Buying a house or renting a houseThis is a question that bothers many people. With housing prices constantly rising**, buying a home of their own seems like a distant dream for the average wage earner. However, not long ago, some cities have introduced a series of housing purchase subsidy policies, aiming to stimulate consumer demand in the real estate market, reduce the cost of home ownership, and allow more people to own their own houses. What are these policies?The result?
Since November, some cities in East China have introduced new housing subsidy policies, such as issuing consumption vouchers and holding housing fairs, to attract more home buyers to enter the market. Among them, the housing purchase subsidy policy issued by 12 places in Ningbo, Zhejiang Province is the most eye-catching, stipulating that from October 1, 2023 to June 30, 2024, the purchase of houses in the city's six districts and high-tech zones will be carried out.
Whether you buy a new commercial house or a second-hand house, there are housing subsidies, and the maximum subsidy amount in each district ranges from 20,000 yuan to 60,000 yuan. This means that buyers can enjoy a discount equivalent to a certain percentage of the house price, thus reducing the pressure of buying a home. It is reported that after the implementation of the policy, Ningbo's real estate market has been significantly active, and the number of online signatures and transaction volume has increased.
In addition to ordinary home buyers, some cities have also proposed more preferential housing purchase subsidy policies for talents to attract more high-level talents to settle down. Recently, Zhejiang Haining released the latest talent subsidy policy, using a fixed subsidy, giving a subsidy of 100,000 yuan to 1.2 million yuan to eligible G to B talents, and Class A talents are discussed on a case-by-case basis.
The policy not only covers talents who work in Haining, but also includes talents who buy houses in Haining but work elsewhere, as long as they meet certain conditions such as academic qualifications, professional titles, and majors, they can apply for subsidies. This is another blockbuster measure of Haining after the preferential policy for talents to purchase houses released in April this year, which reflects Haining's great attention and sincerity to talents.
In addition to East China, other regions are not far behind, and have launched various forms of housing purchase subsidy policies to promote the stable and healthy development of the real estate market. For example, Shangqiu, Henan Province, has increased the amount of provident fund loans and issued housing purchase subsidies of up to 50,000 yuanAnhui Fuyang has reduced the down payment ratio and given home buyers a deed tax subsidy of up to 3%;
Guizhou Province has promoted the construction of real estate development and investment projects in an orderly manner, reduced the proportion of down payments, and innovatively used provident funds to discount interest on commercial loansGuangzhou's purchase restriction policy has been relaxed, and social security is allowed to be cut off for 3 months;Sichuan Ziyang can apply for withdrawing the parents' and children's provident fund to pay for the purchase of the houseTangshan and Qinhuangdao in Hebei Province have reduced the down payment ratio and maximum loan amount of provident fund loans for second homes, respectively. These policies have lowered the threshold and cost of home buyers to a certain extent, and increased the confidence and motivation of home buyers.
Judging from the housing subsidy policies introduced by various places, it can be seen that the local governments attach importance to and support the real estate market, as well as the expectations for stimulating consumer demand and stabilizing economic growth. These policies undoubtedly bring certain benefits and convenience to home buyers, and are also conducive to promoting the balance of supply and demand in the real estate market and the reasonable return.
However, whether the housing subsidy policy can achieve the expected effect depends on the specific implementation rules and implementation efforts, as well as the feedback and adjustment of the market. While enjoying the policy dividends, buyers should also look at the trend of housing prices rationally, do not blindly follow the trend, and make reasonable home purchase decisions according to their actual situation and needs. Houses are for living, not for frying, and this is a principle that we should always keep in mind. Housing subsidies of 2 to 1.2 million yuan will be issued in many places