Recently, many places have made big moves to stabilize housing consumption.
On December 1, Linping District, Hangzhou, Zhejiang Province introduced 16 measures to stabilize the economy, which proposed to promote the healthy development of real estate, the implementation of the housing loan discount policy, the loan amount of more than 1 million according to the amount of 1 million to give the interest subsidy, the subsidy period is 36 months. At the same time, it is also proposed to give subsidies for house purchases, support the provident fund to pay the down payment for house purchases, fully implement the "mortgage transfer" of second-hand houses, and encourage the resettlement of real tickets.
On the same day, Wuhan, Hubei Province, proposed in the policy of stabilizing the economy to support the demand for rigid and improved housing, and to support residents to exchange for housing The policy will be extended to December 31, 2024. Adjust the loanable amount of provident fund loans in stages, optimize and improve the "business-to-business" loan policy, and support the withdrawal of provident fund to pay for the down payment of house purchases. In addition, Anhui Huainan adjusted the policy on the use of housing provident fund, proposing to purchase new residential "green buildings" above the star level, and the loan amount can be moderately increased, up to 20%.
On November 30, Ningnan County, Liangshan Yi Autonomous Prefecture, Sichuan Province issued 18 new policies to stabilize the property market, in addition to increasing the amount of provident fund loans and implementing "recognising housing without recognising loans", it also proposed to implement housing subsidies for special groups and industrial subsidies.
Linping implements the policy of discounting the interest rate of housing loans.
On December 1, according to the "Linping Release", Linping District issued a number of opinions on policies related to "Improving Economy, Promoting Development, and Strengthening Momentum", and put forward 16 measures from 4 aspects, including strengthening the support and guidance of leading industries, enhancing market consumer confidence and vitality, promoting the healthy development of real estate, and creating a better business environment.
Among them, in terms of promoting the healthy development of real estate, it is proposed to increase the support of housing purchase subsidies, and from December 1, 2023 to February 29, 2024 (inclusive), for the purchase of newly built commercial housing in Linping District, after the buyer applies for the real estate ownership certificate, a subsidy will be given according to the standard of 50% of the actual deed tax paid;For the purchase of non-residential newly built commercial houses in Linping District, after applying for the real estate ownership certificate, a subsidy of 50% of the actual deed tax amount will be given to the purchase of more than 800 square meters.
At the same time, the implementation of the housing loan discount policy. From 1 December 2023 to 29 February 2024, home buyers will be able to apply for loans (including provident fund loans, Commercial loans and portfolio loans) to purchase new commercial housing in Linping District (subject to online signing), and choose the provident fund Linping branch center and Linping District banking institution loans, the eligible loans will be given interest subsidies, the loan amount of more than 1 million according to the amount of 1 million interest subsidies, due to normal loan repayment caused by the loan amount is less than 1 million, according to the actual loan balance to give the corresponding proportion of interest subsidies, the subsidy period is 36 months, the actual loan month is the first month.
In addition, the use of CPF for the down payment of a home purchase is supported. Buyers who purchase newly built commercial houses in Linping District and pay the provident fund in the city can apply to the Provident Fund Linping Branch Center to withdraw their housing provident fund to pay the down payment for the purchase of the house.
In addition, we will strengthen support for the diversified needs of housing resettlement. In areas where the resettlement of multi-high-rise apartments is implemented in the new relocation projects of residential housing, the resettlement of real estate is encouraged to optimize the allocation of real estate resources and meet the diversified needs of the people for resettlement housing. Reduce the transaction cost of second-hand housing. Fully implement the "transfer with mortgage" for second-hand housing transactions, and cooperate with the District Housing and Urban-Rural Development Bureau, the District Market Supervision Bureau and the financial regulatory department to jointly promote the "transfer with mortgage" to further reduce intermediate links, save bridge funds, and reduce the economic burden of home buyers.
Wuhan's policy of supporting residents to exchange for housing has been extended.
On December 1, Wuhan issued the "Several Policies and Measures on Enhancing the Endogenous Power of Development and Promoting Economic Recovery", proposing 25 measures from eight aspects.
Among them, it is proposed to promote the steady and healthy development of the real estate and construction industries to support the demand for rigid and improved housing. Implement the relevant policies for the steady and healthy development of the real estate market in Wuhan, and refine and improve the relevant operating rules. The policy to support residents to exchange for housing has been extended to December 31, 2024. Adjust the loanable amount of housing provident fund loans in stages, optimize and improve the policy of converting housing commercial loans to provident fund loans, and support the withdrawal of housing provident fund to pay for the down payment of house purchases.
At the same time, promote real estate investment. Find out the city's housing demand, and reasonably determine the total supply and demand of various types of housing. Further improve the "white list" management system for real estate development enterprises, optimize project approval, speed up project construction, and expand effective investment. Actively promote the "commercial lease reform", revitalize the stock of commercial and office housing, and use it for affordable rental housing and rental housing. Do a good job in the cooperative transformation of dilapidated houses, the renovation of suitable for the elderly, the construction of apartments for young talents, the construction of communities for scientific and technological workers, and the construction of real estate first-chain platforms, and encourage the development and exploration of "hardcover + suitable for the elderly" products. Organize and carry out pilot work on affordable housing.
In addition, promote the high-quality development of the construction industry. Support construction enterprises to enter large-scale infrastructure such as transportation, water conservancy, energy, and municipal and new infrastructure fields, and encourage enterprises to participate in bidding in a consortium manner. Encourage and support small and medium-sized private construction enterprises to develop in the field of professional contracting, and support qualified enterprises to apply for first-class professional contracting qualifications. Accelerate the construction of national intelligent construction pilot cities, and comprehensively promote the industrialization, digitalization and green transformation of the construction industry.
Huainan purchase "green building" provident fund loan limit increased.
On December 1, the Huainan Housing Provident Fund Management Center issued the "Notice on Adjusting the Policy on the Use of Huainan Housing Provident Fund".
Among them, it is proposed to implement the "green building" provident fund loan support policy. Employees who use housing provident fund loans to purchase new residential "green buildings" with a star rating or above in the administrative area of Huainan City, and meet the conditions of Huainan Provident Fund loans, their loan amount can be moderately increased. For the purchase of a one-star green building, the loan amount can be increased by 10% on the basis of the actual loanable amountFor the purchase of a two-star green building, the loan amount can be increased by 15% on the basis of the actual loanable amount;For the purchase of a three-star green building, the loan amount can be increased by 20% on the basis of the actual loan amount.
At the same time, the housing provident fund withdrawal policy will be adjusted.
The first is to increase the amount of rental withdrawal. Employees and families who meet the conditions for renting housing in Huainan City will be adjusted to 1,200 yuan per month, and the annual amount shall not exceed 14,400 yuanRental withdrawals for families with many children are 20% higher than the above amount.
The second is to support new citizens and young people to "mention as much as possible". If new citizens and young people who do not have a house in Huainan City rent commercial housing, they and their spouses can fully withdraw the housing provident fund paid monthly to pay the rentThose who rent public rental housing, affordable housing, and talent apartments can withdraw the housing provident fund according to the actual rent.
The third is to relax the frequency of rental withdrawal. Support employees to withdraw on demand, and can withdraw housing provident fund on an annual, quarterly, and monthly basis to pay rent. If a family buys the first self-occupied house in Huainan City and applies for a housing provident fund loan, the amount of rental withdrawal and the balance of the personal provident fund account within one year are combined to calculate the provident fund loan amount, so as to promote the "simultaneous development of rental and purchase".
The fourth is to relax the scope of additional elevators in existing residences. If an elevator is added to an existing residence within the administrative area of Huainan City, the person and his spouse can withdraw the housing provident fund to pay for the personal sharing of the cost of the self-occupied housing and the additional elevator in the self-occupied housing of both parents.
Ningnan issued 18 new policies to stabilize the property market.
On November 30, Ningnan County, Liangshan Yi Autonomous Prefecture issued the "Eighteen Measures to Promote the Stable and Healthy Development of the Real Estate Market in Ningnan County".
Among them, it is proposed to implement the "housing provident fund + commercial loan" portfolio loan business in the whole county, and support the deposited employees in Ningnan County or the non-local deposited employees with household registration in Ningnan County to purchase ordinary self-occupied houses in Ningnan County to apply for "housing provident fund + commercial bank" portfolio loans.
At the same time, the amount of provident fund loans will be increased. The maximum amount of housing provident fund loans applied for by working families with both husband and wife paying into the housing provident fund normally has been adjusted from 350,000 yuan to 450,000 yuanThe amount of provident fund loans applied for by single-contribution employee families has been adjusted from 300,000 yuan to 400,000 yuan. Support the use of provident fund loans for people who pay housing provident funds in other places to buy houses in Ningnan County, and enjoy the same loan amount as employees in the county. Implement the relaxed criteria for determining the number of housing units for loans, and implement the principle of "recognising housing but not recognising loans".
In addition, the implementation of housing subsidies for special groups. For families with two or more children (including remarried families), rural household registration, and newly settled urban residents in Ningnan County for less than 3 years, from the date of implementation of this notice to May 31, 2024, if they purchase a new house in Ningnan County, a subsidy of 200 yuan per square meter will be given to a single family of the first house according to the construction area (the subsidy shall not exceed 20,000 yuan);A subsidy of 150 yuan per square meter will be given to a single family of second suites according to the construction area (the subsidy shall not exceed 150,000 yuan);A financial subsidy of 30,000 yuan per household will be given to those who purchase new houses for the renovation of Class C and D dilapidated houses in rural areas where houses are demolished and restored.
In addition, industrial subsidies are implemented. For the large sericulture industry households that buy new houses, the top 100 annual cocoon sales income will be given a subsidy of 10,000 yuan per household, and the 101st-200th will be given 050,000 yuan house purchase subsidy;The top 100 households in the flue-cured tobacco industry who buy new houses will be given a subsidy of 10,000 yuan per household for the first 100 yuan in annual tobacco sales income, and the 101st-200th will be given 050,000 yuan house purchase subsidy;For large family farms that purchase new houses for the development of forestry, animal husbandry, fruits and vegetables, the county forestry and grassland bureau and the agriculture and rural bureau will give each household 050,000 yuan house purchase subsidy;
The new policy also encourages enterprises to give special preferential treatment, on the basis of the county's financial subsidy policy, the real estate enterprises combined with their own actual conditions, to give birth to two children or more family planning families (including remarried families), rural household registration, the introduction of talents, active duty (veteran) soldiers, Elite militia and other groups of people who purchase new houses in Ningnan County will be given additional preferential treatment, and preferential policies will be implemented according to the standards formulated by real estate development enterprises, so as to support the commercial housing market to better meet the reasonable housing needs of buyers and promote the virtuous cycle and healthy development of the real estate industry.
Editor-in-charge: Wang Yunpeng.
Proofreading: Liao Shengchao.
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