The provident fund payment, subsidized commercial loan interest, and the introduction of house tickets ... New policy of buying a house in many places in Shandong

Volkswagen · Poster Journalist Liang Wen Jinan Report

Since the beginning of this year, the real estate market has continued to attract attention. At the Executive Meeting of the State Council held on August 31, it was pointed out that to support rigid and improved housing needs, the local "one city, one policy" should be used to make good use of the policy toolbox and flexibly use phased credit policies and special borrowings for insurance delivery. Promote consumption such as cars. Earlier, at the meeting of the Political Bureau of the Central Committee of the Communist Party of China on July 28, it also pointed out that due to the use of policies and toolboxes to support rigidity and improvement of housing needs, to compact local government responsibilities, protect the building and stabilize people's livelihood.

In this context, a number of stabilized property market measures have been introduced in all parts of Shandong, including adjusting the amount of provident fund loan, down payment ratio, subsidized commercial loan interest, housing purchase policy to multiple children families, promoting the "post -housing house collection" system, relaxation of real estate transactions Restrictions and so on.

Buying a house can withdraw the first payment of a family for provident fund

Raise the amount of provident fund loans in many places in Shandong and reduce the down payment ratio

On August 31, Qingdao went out to the new policy of the property market. If the employees of Qingdao buy the first self -occupied house, the housing provident fund of the buyer and their spouses, parents and children can be extracted to pay the first payment of the house. Policy relaxation validity period from September 1, 2022 to August 31, 2023.

The reporter sorted out and found that in addition to relaxing the conditions of the provident fund, the relevant provident fund -related policies issued in Shandong mainly include one liter and one drop. On the one hand, increase the amount of provident fund loans. For example, in June this year, Binzhou issued a new policy stating that the application for the first housing provident fund loan, the husband and wife paid the family normally, the maximum loan amount increased from 500,000 yuan to 600,000 yuan, and the unilateral deposit family was unilaterally deposited. The maximum loan amount was 300,000 yuan Raise to 400,000 yuan; apply for two sets of housing provident fund loans, and the husband and wife pays the house normally. The maximum loan amount has increased from 400,000 yuan to 500,000 yuan. Yuan.

For another example, Jinan's New Deal this year proposed that the first set of ordinary self -living housing for housing provident fund loans was purchased in the administrative area of ​​Jinan City. The maximum loan amount of employees who pay the housing provident fund has increased from 600,000 yuan to 700,000 yuan. The New Deal of Qingdao in June proposed that if the first self -living house purchased in the administrative area of ​​Qingdao City, the borrowing applicant and the spouse meet the loan conditions, the maximum amount of the provident fund loan is adjusted to 800,000 yuan; For loan conditions, the maximum amount of provident fund loans is adjusted to 500,000 yuan.

On the other hand, reduce the proportion of down payment for provident fund loans. For example, from August 15th this year, the minimum down payment ratio of the two -suite provident fund loan has been adjusted from 60%to 40%. Binzhou issued a new policy on June 2nd. The first set of housing provident fund loans of the first set of housing provident fund loans was not less than 20%.

Buy a house government for subsidies

Weihai's first subsidized commercial loan interest for up to 10,000 yuan can be supplemented

In addition to the provident fund policy, the government subsidies are also high in the new policy of the property market in Shandong.

According to the New Deal issued by Zibo City in May, from June 1, 2022 to May 31, 2023, those who purchase new commercial houses and pay deed taxes before December 31, 2024, and the total amount of deed taxes pay 50 %Of house purchase subsidies.

Weihai launched the New Deal in June, saying that from July 1, 2022 to June 30, 2023, the first set of loans (excluding provident fund loans) was purchased in the Huancui District, High -tech Zone, Economic Development Zone, and Lingang District. Buyers who have built new commercial housing can enjoy commercial loan interest subsidies with no more than 12 months and not more than 10,000 yuan. This is also the first time that Weihai has subsidized the interest of commercial loans.

Dongying issued the New Deal in July that from July 1, 2022 to September 30, 2022, the individual (family) purchased new ordinary buildings developed in the central urban area (Dongying District, Dongying Economic Development Zone) in the prescribed time limit (Dongying District, Dongying Economic and Technological Development Zone). If the commercial housing has paid the deed tax (including pre -sale and current sale), it will give a subsidy of 1%of the house transaction price.

In August of this year, Weifang Kuiwen District proposed to take the lead in implementing urban renewal policies in the central urban area of ​​the province. The house tickets launched this time are the issuance of the relocated residential houses, commercial housing, industrial houses, and warehousing houses during the urban renewal process of Kuiwen District. It is used for a certificate of names for house purchase and redemption. According to the policy, if the house ticket is issued within 3 months from the date of issuance of the house ticket, a subsidy of the amount of house purchase houses is 12%at one time. After that, if the contract is signed by the purchase contract, according to the length of the date of issuance of the house ticket, the subsidy of 10%, 8%, and 6%of the purchase house purchase houses is given.

Relaxation of house purchase restrictions

Policies tilted to two and three children families

The reporter noticed that some of the recently introduced house purchase policies in Shandong have given special discounts for two -child and three -child families.

Zibo issued a policy in May that a house purchase subsidy that meets the national fertility policy is given. Families that meet the national fertility two -child and three -child fertility policy, who purchase new commercial houses, can give certain house purchase subsidies in accordance with the house area and number of fertility; encourage real estate development companies to voluntarily participate in the house purchase discounts that meet the fertility policy, and in the house, and in the house, and in the house, and in the house, they are in conjunction with the purchase of houses in accordance with the fertility policy. When selling commercial houses, it is clearly shown or notified to buyers.

The new policy of Binzhou in June shows that the policy of buying a house for multiple children's family has tilted the policy, increased the amount of housing housing funds for multiple children's households, increased 50,000 yuan for two -child families, and increased 100,000 yuan for three -child families. In addition to many children's families, talents are also often appearing in preferential policies in various places. For example, Zibo proposed in the New Deal of Zibo in May that appropriate adjustments and improved the purchase subsidy policies and standards that are in line with Zibo City's "Talent Government 37"; expand the audience of the talent apartment, and give a certain purchase and leasing discount for college graduates to purchase and rent discounts. Essence

For another example, the implementation opinions of the talent work issued by Linyi in May proposed that the doctoral degree, and full -time undergraduate graduates of the newly arrived "two new" organizations for employment or founding the enterprise will be given 300,000 yuan and 100,000 for the first time. One -time house purchase subsidy of yuan and 50,000 yuan. The maximum amount of a doctoral housing housing provident fund loan can be relaxed to 4 times the limit.

Relaxing the conditions for house purchase is also commonly used in various places. For example, in August of this year, Jinan optimized the conditions for household registration of non -Jinan households, and will "non -city households must pay personal income tax or social insurance in our city for nearly 2 consecutive years. "Purchase a month" is adjusted to "If a non -city households buy a house in a restricted purchase area, the conditions for paying 6 months of personal income tax or social insurance in this city must be met; The payment agency will be implemented for 3 months, and it will be implemented from August 29.

Protecting the rights and interests of the house buyer

Liaocheng needs to complete the basic project first this year's pre -sale commercial houses

In order to ensure the rights and interests of the buyers and ensure the quality of the commercial housing, at the end of August, Shandong issued a notice and proposed that the "retracting of the house" system will be fully implemented in the province. The "post -housing house receiving house" system includes but not limited to the publicity information of residential engineering quality information, the acceptance of households, and the inspection of the owner. In the notification attachment, the main points of new commercial housing inspections are listed in detail, including how to check the size of the doors and windows, the top of the wall, the ground, the net space size of the room, the kitchen and the bathroom, the electrical, the switch, the socket, the fixed furniture, etc.

Why is the "Priority House Accepted Housing? Notice? Notice says that this is the rebuilding and refined specifications of the" delivery acceptance "process of commercial housing, and creating conditions in advance allows the owner to fully understand and inspect the quality of the house on the spot. It has important practical significance to resolve quality problems and resolve contradictions and disputes.

Judging from all parts of Shandong, the "Passing House after Priority House" system is also being implemented. Some also introduced relevant implementation rules for local conditions. The reporter noticed that this year, Liaocheng decided to dynamically adjust the engineering image of the pre -sale permit of commercial housing: When the real estate development enterprise applied for pre -sale permit for commercial housing in the jurisdiction of Liaocheng, the image progress requirements for pre -sale permits for commercial housing are Positive and negative zero standard. The policy is valid until December 31, 2022.

In addition, in response to the quality of commercial housing, Shandong also issued guidance. On September 1 this year, the "Guiding Opinions of the Shandong Provincial Housing and Urban -Rural Development Department on adjusting the quality warranty period of new residential projects" was officially implemented. Among them , Anti -leakage of the bathroom, room and outer wall with waterproof requirements are adjusted to 10 years; heating and cooling systems are adjusted to 5 heating periods and cooling periods; The hidden part was adjusted to 10 years, and the non -hidden part was adjusted to 5 years.

Make the real estate market flow faster

You can sell the second -hand house to "take the transfer" to the second -hand house

Encouraging buying houses and relaxing real estate transaction restrictions is one of the real estate policies that are commonly implemented in Shandong.

This year, Texas has canceled the transfer of new housing restrictions throughout the city. Regulations are no longer implemented.

According to the housing purchase policy implemented on July 1 this year, non -residents in the city are in Huancui Building, Zhudao, Whale Garden Street, Huancui District, Yiyuan, Tianhe Street, and the Crown, Fenglin, and the Economic Development Zone. Newly -built new commercial housing purchased within the range of Xiyuan Street, which can be transferred from the date of the signing of the pre -sale contract network or the date of obtaining the real estate registration certificate. transfer. According to the original policy, buying new commercial housing or second -hand housing in these eight streets, it takes 3 years after applying for the real estate registration certificate.

In May of this year, Linyi adjusted the housing limit policy to cancel the transaction restrictions of commercial housing (including second -hand housing) within the first, second and high -speed rail areas. Prior to this, the newly purchased commercial housing (including second -hand housing) in this area must be traded after two years of obtaining the property right certificate.

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