Beijing launched three pilot projects for targeted relaxation loan restriction conditions

Economic Observation Network reporter Tian Guobao. According to the Beijing Municipal Housing and Construction Committee on August 4, Beijing selected three plots as a pilot in the second batch of concentrated land supply to relax the loan restriction conditions for specific people.

Specifically, the 60 -year -old and above elderly families in the central urban area purchase pilot projects, and move the hukou to the location of the pilot project. If there is no house under the name and no loan, the general residential execution is 35%down payment, and the 40%down payment for non -ordinary residences will be implemented. Buy housing below 140 square meters of pilot projects. The first set of down payment ratio is 35%and the two sets of down payment ratio are 60%.

Compared with the original policy, the down payment ratio has not changed, but the loan restriction conditions are sharply relaxed. Previously, Beijing implemented a strict dual -limit policy. As long as there is a record of buying a house in Beijing and a mortgage record in the country, it is regarded as two sets. According to the pilot policy, when buying three pilot projects, as long as there is no house under the name and no way to loan, you can enjoy the down payment and interest rate of the first house.

Moreover, an important change in this pilot is that children can apply for loans as joint borrowers. Under normal circumstances, buyers over 60 years of age are basically unable to apply for mortgages, but some children, as co -applicants, do not take up their children's purchase places, but also get mortgages.

There are two pilot projects in Shunyi District, one located in Changping District. Among them, the land area of ​​the north seven Pingxi government of Changping District is 50,100 square meters and the planned construction area is 125,200 square meters. On June 1, 2022, it was obtained by China Resources Land Land and Gezhouba. 35276 yuan/square meter.

The construction area of ​​Xuezhuang Village, the Xuezhuang Village of Shunyi District, was 62,800 square meters. In the second batch of centralized land supply, it was won by Yiyuan Real Estate for 1.955 billion yuan, and the floor price was 3111 yuan/square meter. The project is still a high -standard design project, of which 30,000 square meters must be sold in existing houses.

The construction area of ​​the Fudhuan plot of Shunyi District was 187,300 square meters. In the second batch of concentrated land supply, China Real Estate was obtained at a price of 5.47 billion yuan, and the floor price was 29210 yuan/square meter. The land is also the lowest premium rate of the three pilot land, with a overall premium rate of only 1.48%.

In addition to the adjustment of the loan restriction policy, the three pilot plots will also be constructed in terms of supporting facilities, indoor space, traffic streamline design, public space, smart applications and security, and services.

According to the Beijing Municipal Housing and Construction Committee, in specific areas, for specific projects, the support policies for the purchase of housing purchase of specific groups are given to specific projects. Because the city's policy supports rigid and improved housing demand, based on the strict control of real estate, a measure of accurately implementing difficulties in elderly family care for household care is difficult. In the next step, on the basis of summing up the experience of the pilot, we will further expand the construction of friendly projects for all -age age, and at the same time study support measures for reasonable housing demand for multi -child families and vocational housing purchase.

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