More than 30 cities reduce the pressure on house purchase of children's households.

Relax purchase and purchase subsidy to increase the amount of provident fund loan quota

More than 30 cities reduce the pressure on house purchase of children's households.

Since the beginning of this year, many cities across the country have introduced the loosening policy of the property market, and have released positive signals for the stable property market. At the same time, with the liberalization of the three -child policy, many cities have issued relevant relaxation policies to many children.

According to incomplete statistics, as of now, more than 30 cities in my country have provided house support for many children's families. The new property market policy includes a variety of methods such as relaxation restrictions, improving housing provident fund loans, and granting house purchase subsidies. Analysts said that such policies reduce the pressure of house purchase of many children to a certain extent, thereby stimulating their demand for house purchase. At present, the policy optimization measures for multiple children's families may become a new trend of regulation in the property market.

The amount of provident fund loan increases by 1.2 million yuan

On July 22, Changsha issued the "Notice on Optimizing the Business Policy and Process of Housing Provident Fund" to increase the maximum amount of the Changsha housing provident fund loan from 600,000 yuan to 700,000 yuan. In addition, the maximum amount of family housing provident fund loans for three children increased to 800,000 yuan. Employee families purchased the second set of improved self -housing. The new policy shall not adjust the down payment ratio of 60%to 40%.

In addition to Changsha, reducing the down payment ratio of housing provident fund and increasing the highest loan amount is a "loosening" measure for many cities for many children's families.

Since January 1, 2022, Ningbo City has issued a new regulations that in accordance with the national fertility policy, two or three children have continuously paid the housing provident fund for 2 years. The maximum loan amount of the housing provident fund increased from 600,000 yuan/household to 800,000 yuan/household. In addition, for families with multiple houses, as long as there is no loan in the name, you can continue to apply for a loan.

Yangzhou has more clearly introduced a notice entitled "Notice on the Support of Housing Provident Fund in Yanglai Royal Talents and Royn Two -Child and Over -Breeding Family", and puts "two children and or above families" into the new policy title. Significant position. This notice pointed out that if the two -child and above family apply for a housing provident fund loan and meet the application conditions, the lowest down payment ratio of the loan is adjusted from 30%to 20%. If the employee family applys for a housing provident fund loan with two or more children (excluding two children) and meets the application conditions, the maximum loan amount can float 100,000 yuan and 200,000 yuan on the basis of the highest loan limit in Yangzhou City. Essence

In addition, Cities such as Leshan and Mianyang also introduced house purchase subsidies for many children.

Relax the purchase restriction policy in many places

In addition to increasing the amount of provident fund loans and providing subsidies for house purchase, Wuhan, Chengdu, Nanjing and other provincial capital cities, as well as new first -tier cities and second -tier cities such as Dongguan and Xiamen, also relaxed the purchase restriction policy for multiple children's families.

On May 14th, Dongguan, Guangdong issued a new property market, and allowed them to buy a new set of commercial housing for the residents' families that meet the national fertility policy. Similarly, Nanjing has also introduced the New Deal to actively promote the living conditions of two children and above families, and propose two children with two children and households in Nanjing. Wait for support. In addition, Wuhan, Hangzhou, Xiamen, and Chengdu have successively introduced a relaxation policy for many children's families. The statement of "more children's families can add a house" has been mentioned many times.

Yan Yuejin, research director of the Think Tank Center of the E -House Research Institute, said that while the cities relaxed the purchase restrictions on many children's families, there are often other discounts. For example, many children in Nanjing can also enjoy the support rate support of relevant banks' preferential loan interest rates, allowing the benefits of loans, and Hangzhou's three -child families can refer to the "houseless family" when participating in the lottery.

According to the evolution of existing urban policies, the preferential housing policies of many children's families have gone through three stages. Among them, the preferential policy of public rental housing is the first step; next, enter the subsidy stage of the house purchase subsidy. "Today, preferential policies in various children's families have entered the cancellation of purchase restrictions." Yan Yuejin said that in the future, combined with financial policies, such families may enjoy more loan interest rate support at the same time.

Promote the release of improving sexual needs

According to incomplete statistics, currently over 30 cities in the country have introduced a loosening policy for multiple children's families. The content involves improving the amount of provident fund loan, providing house purchase subsidies, and purchasing one more real estate in restricted purchase areas, and discounts on loan interest rates. Chen Xiao, a senior analyst at the Zhuge Housing Data Research Center, said that from the perspective of the distribution of the policy city, it is mostly concentrated in the second and fourth -tier cities, of which third and fourth -tier cities account for a higher proportion.

What is the significance of the promulgation of many children's household purchase policies? Chen Xiao's analysis said that the demand for house purchase of many children's families is to improve sexual demand. Such policies will be introduced to promote market improvement. On the basis of meeting the demand for rigid house purchase, the policy focus has gradually shifted to improving groups, which is in line with the trend of market development, and has a certain rationality.

"Most of these groups are improved sexual needs." Chen Xiao said that many cities have introduced a house purchase policy for two -child and three -child families since this year."The effect of the property market with the national fertility level has not only promoted the release of reasonable demand for house purchase, but also to a certain extent the purpose of encouraging fertility and promoting population growth.From the current point of view, the measures of loosening policies in various places are becoming more and more rich and diverse. It is expected that the later policy will continue to improve and deepen, and more cities may follow up in the future.(Reporter Lu Yang) (Lu Yang)

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