Chongqing: The lowest down payment for the first house of the provident fund deposit employee family

Zhongxin Jingwei, June 15th. On the 15th of the Chongqing Municipal People's Government website, Chongqing released the "Several Measures for Chongqing to Promote the Patient Circle and Healthy Development of the Real Estate Industry". There are 15 "measures". Among them, it is mentioned that the first home loan is given priority to the first home of the housing provident fund to pay the employee family to purchase the first house, and the down payment ratio is not less than 20%; reasonably supports improvement of housing loans, pays the employee families If you buy a second home, the initial payment ratio is not less than 40%, and the loan interest rate is not lower than the 1.1 times the personal housing loan interest rate of the personal housing loan of the first house of the housing provident fund; In addition, the maximum quota increases from 600,000 yuan to 800,000 yuan.

The "Measures" pointed out that in order to implement the decision -making and deployment of the Party Central Committee and the State Council on real estate work, adhere to the positioning of the house for living, not for speculation, further improve the relevant policy of real estate in Chongqing, and better support rigidity and improvement. The demand for housing has promoted the virtuous cycle and healthy development of the real estate industry. In combination with the actual situation, the following measures are specially formulated.

First, support new citizens and talents. Eligible new citizens purchase their first ordinary housing in Chongqing, and can enjoy the same personal housing loan policy as local residents. Support the talents of the city's talent department or the introduction department in Chongqing, and enjoy the same treatment of local residents in terms of housing, settlement, medical care, and children's education.

2. Implement differentiated housing credit policies. The Chongqing Camp Management Department and the Chongqing Banking Regulatory Bureau guided the improvement of the pricing and self -discipline mechanism of the market interest rate of Chongqing, adjusted the city's differentiated housing credit policy, and adjusted the lower limit of the first set of housing commercial personal housing loan interest rates to not less than less than lower than the corresponding period loan market quotation interest rate , The lower limit of interest rates for residents' families to purchase ordinary housing commercial personal housing loans is adjusted to not less than lower than the corresponding period of loan market quotation interest rates at 20 basis points. The lower limit of the interest rate of the two sets of housing commercial personal housing loan is adjusted to not less than less than the corresponding period of loan market quotation interest rate plus 60 basis points.

3. Improve real estate credit services. Banking financial institutions must accurately grasp and implement real estate financial management policies, maintain the smooth and orderly exit of real estate development loans, and meet the reasonable financing needs of the real estate market. Encourage banking financial institutions to do a good job of financial support and services for key real estate enterprise risk disposal projects, and for mergers and acquisitions of mergers and acquisitions of real estate enterprise projects for mergers and purchase insurances and difficult real estate enterprises. Encourage and support commercial banks to increase support for mortgage loans for commercial and commercial housing.

4. Optimize the policy of housing provident fund loan. Priority guarantee the first house loan, and the housing provident fund pays the employee family to purchase the first house, the down payment ratio is not less than 20%; reasonably supports improving housing loans, and the employee family purchases a second house. It is less than 40%, and the loan interest rate is 1.1 times the interest rate of the personal housing loan rate of the personal housing loan in the first set of housing provident funds; the commercial personal housing loan supports the first house of the first house to transfer the housing provident fund personal housing loan (replacement loan); If you participate in loans, the single loan amount is calculated according to the addition of the personal loan amount of both parties, and the maximum amount has increased from 600,000 yuan to 800,000 yuan. Support the issuance of provident fund discount loans to ensure the supply of loan funds.

5. Clarify the second set of housing identification standards for provident fund loans. There are 2 or more housing houses or more than two housing loan records in the housing provident fund. After the sale of existing housing, the family has no housing or only one house, and the housing loan has been settled or only one has not ended. If you buy a housing loan for Qing commercial housing, you can apply for a housing provident fund loan according to the policy of purchasing the second house.

6. Implement differentiated real estate tax policies. Family new housing, who transferred the only native house of the family before applying for the property right certificate, enjoy the preferential tax preferential policy in accordance with the first house; if the family still has 1 house, the newly purchased housing enjoys the preferential tax policy according to the second house. For the collection and recruitment of land and houses at or above the county level, re -bears land and house ownership, and choose currency compensation, the transaction price does not exceed the exemption tax of monetary compensation; Currency compensation is exempted from personal income tax; if the property rights replacement of housing and the replacement of land use rights, the exemption deed tax for the difference will not be paid.

7. Optimize the supervision of project capital. For real estate development projects that have been stored in the process of project capital, the development enterprise can apply for the use of supervised project capital according to the project construction progress. For the newly handled project capital deposit procedures for real estate development projects, the development enterprise can apply for in batches in batches. For the first time, 60%of the amount of supervision is deposited, and the remaining 40%can be given a 4 -month cache period. During the cache period, if the image progress of the development project meets the full node requirements, the remaining project capital is no longer replenished.

8. Promote the effective supply of commercial housing. Strengthen the supervision and inspection of the existing land development and construction, and urge real estate development enterprises to develop and build in accordance with the scale of the land transfer contract, the completion time, etc., and promote the projects that have achieved the progress of the engineering image as soon as possible. Promote the cleanup of the central urban area, "long -term construction", "not finished" and "not sold" projects, forming effective supply, and supporting reasonable housing consumption.

Nine, promote the steady development of the leasing market. Increase the supply of market rental housing, add new market rental housing at rail transit siting and commercial business districts, industrial parks, campuses, hospitals (hospitals) and other population agglomeration areas to support the reasonable demand for new citizens and young people. On the basis of meeting the planning principles and complete supporting functions, if there is market demand, it is allowed to use the existing commercial and commercial projects to be converted or adjusted into a rental housing project according to the procedures. Change, the prices of water, electricity, and gas are implemented in accordance with the standards of residents. Study and formulate supporting policies to support the development of rental housing, focus on solving basic public services such as settlement, schooling, and employment, and gradually realize the right to rent and purchase basic public services such as education, medical care, pension, rescue, and legal aid. 10. Promote the use of supporting parking spaces for commercial housing. The parking space (library) for parking motor vehicles in the property management area should first meet the needs of the owner. The construction unit sells parking spaces (libraries) in accordance with the law. For commercial housing projects with a lot of supporting parking spaces (libraries), the pilot use of supporting parking spaces for commercial housing is carried out. Within 6 months from the date of the announcement, each owner can only buy 1 parking space (library) If the announcement is 6 months from the date of the announcement, and after the initial registration, there are excess parking spaces (libraries), which can be sold to other owners, but the construction parking space (library) corresponding to the non -selling housing shall not be sold; if it is a non -residential supporting parking space, it is a non -residential supporting space. Within 6 months from the date of the announcement, the proportion of the number of parking spaces (libraries) purchased by each owner shall not exceed the proportion of holding the area of ​​the total housing area. After the excess parking space (library), it can be sold outside.

11. Implement the urban infrastructure supporting fees to slowly pay the policy. The supporting fees for urban infrastructure that should be paid for the real estate development project affected by the epidemic can apply to the local government to apply to the local government, and the payment will be extended after being approved in accordance with the prescribed procedures. It does not exceed 6 months and pays before the pre -sale permit for commercial housing.

12. Improve the construction of supporting facilities in real estate projects. For projects that have not been transferred to land, the local government and land improvement reserve agencies should speed up the construction of supporting facilities around the land to achieve "net land" transfer; for projects that have not been developed and constructed, the land and land improvement reserves shall be preceded or or of the land management and reserves. Complete the supporting facilities with the project; for projects that have been provided and developed, the local government and land improvement reserve agencies shall complete the supporting facilities construction in the pre -limited time of the project.

13. Continue to improve housing quality. Develop a new type of construction, promote the integration of construction industrialization, greening, and informatization, and strengthen the integrated application of technologies such as building information models (BIM), artificial intelligence, and intelligent construction in the entire planning and construction process. Focusing on the reconstruction of old districts in urban and towns, renovation of shantytowns, perfect public service facilities, improvement in housing design and construction, and continuously promoting the living conditions and environmental improvement of urban residents.

14. Do a good job in online transaction service management. Guide real estate development enterprises, real estate brokerage agencies and housing leasing enterprises to vigorously promote "online housing" to provide services such as online houses, housing selection, consulting, and subscribing to the people of buying and renting the people. A regional housing festival is held in a combination of online and offline. Comprehensively promote the full supervision of the existing housing network signing and transaction funds, establish a full -process transaction service, and promote the virtuous circle of the first and second -hand housing market.

15. Strengthen the supervision of the real estate market order. Continuously rectify the order of the real estate market, strictly implement the daily inspections and special inspection and management mechanisms; increase the investigation and punishment of illegal and illegal behaviors of real estate development enterprises and intermediaries, and create a good market environment. (Zhongxin Jingwei APP)

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