Fortunately!Sacrifice the new policy of the property market in many places, downs your first payment, the provident fund payment down payment, and the child to enjoy the house ...

Recently, in order to promote the healthy development of the real estate industry, the property market has been released in many places in the country.

Chinese reporters of securities firms noticed that including Liuyang City, Hunan Province, Cheng'an County, Hebei, Hangzhou, Zhejiang, Zhejiang Lishui City, Taizhou City, Jiangsu, Fenggang County, Guizhou, and other places have released new property market policies. Essence

Hunan Liuyang: The deed tax is full, and the purchase subsidy is issued for a limited time

According to the WeChat public account of the "Liuyang Housing Construction", on September 9, the Housing and Urban -Rural Development Bureau of Liuyang City, Hunan Province, the Liuyang Natural Resources Bureau, and Liuyang City Finance Bureau jointly issued the "Several Measures for the Promoting the Stable and Healthy Development of the Real Estate Market in Liuyang City" Essence There are eight measures in the "Measures": the purchase subsidy of house purchases is issued in a limited time; the orderly dewlocation of non -residential houses; the proportion and period of payment of land transfer prices; adjusting the supporting fee of urban infrastructure supporting fees; strengthening real estate credit support for financial institutions; strengthening the pre -sale funds for commercial housing Supervision; standardize real estate market behavior; encourage real estate companies to formulate self -interest policies.

In terms of limited time to issue house purchase subsidies, from September 10, 2022 to February 28, 2023, the purchase of new commercial housing in the administrative area of ​​Liuyang City, completed the online signing of commercial housing contracts, deed taxes and property maintenance funds, and registered for filing. Purchase subsidies are issued at 100%of the actual amount of deed tax. Those who have signed the same room number by withdrawing the purchase of the commodity housing contract, the filing of the commodity housing contract, the filing, and the cancellation of the online signing business accepted by the developer will not enjoy this subsidy policy.

Cheng'an County, Hebei: Talent purchase of self -use housing is not subject to policy restrictions, with a maximum subsidy of 80,000 yuan

According to the news of the "Entering Cheng'an" WeChat public account on September 8, Cheng'an County, Handan City, Hebei Province released the "Ten Policies and Measures on Supporting Patient Circle and Healthy Development of the Real Estate Industry".

The measure proposes to fully protect the reasonable housing needs of the introduction of talents. The introduction of high -level talents to start a business in Cheng'an County, buy self -use commercial housing, is not restricted by housing policies. The housing registration department gives priority to handling housing registration, resolved the exemption rent of expert apartments, and gives a doctoral subsidy of 80,000 yuan and a master's degree of 50,000 yuan. Those who apply for public rental housing are not limited by conditions such as income, social security periods, and residence permits.

This measure also mentioned that during the prevention and control of the epidemic, actively encouraged real estate development enterprises and real estate brokerage agencies to build a trading platform, do a good job of online housing sales, "one room, one price" publicity, and provide online remote viewing, inquiry, inquiry for buyers, inquiries For services such as price negotiation, the e -signature technology is adopted to implement the online signing of the housing buying and selling contract to provide convenient conditions for buyers. For real estate brokerage agencies with good first -hand housing sales, the government provides subsidies such as rent, water, and electricity bills, and the implementation time limit is tentative to the end of 2022.

Portal repayment of personal housing and consumer loans affected by the epidemic. For delayed loans, adhere to the judgment of substantive risk, and do not reduce the loan risk classification due to epidemic factors, do not affect credit records, and avoid penalties. Enterprises affected by the epidemic can apply for a residential provident fund in accordance with regulations, and make up after expiration. During this period, the employee's normal withdrawal and application for housing provident fund loans was not affected by the impact, and the implementation time limit was tentative to the end of 2022. The depositor affected by the epidemic cannot repay the housing provident fund loan normally, and it will not be dealt with overdue, and shall not be submitted to the credit reporting department as an overdue record.

Hangzhou, Zhejiang: Lin'an, Chun'an, Jiande and other places have come out together

In Hangzhou City, Zhejiang Province, Lin'an District, Chun'an County, and Jiande City have recently issued a new policy for the property market.

On September 10, "Lin'an released" WeChat public account news, and the health and orderly development opinions of the real estate market in Lin'an District, Hangzhou City, Zhejiang Province (referred to as "opinions"). Support the demand and improvement housing demand, from September 15, 2022 to March 14, 2023 (based on the time of online signing), the new commercial housing with a total price of not more than 3 million yuan in Lin'an is given a total price of the house. 1.5%subsidy, subsidies after registering real estate.

In terms of employment, the opinions pointed out that for the first time from September 15th, 2022 to March 14, 2023, they first purchased ordinary universities, master, master, undergraduate, and college graduates who purchased ordinary commodity houses. Several opinions of "Choosing and Annaries" gives certain subsidies for house purchase.

In terms of strengthening service guarantee, the opinions are clear. Those who purchase commodity housing (housing, including the previous purchase) within the area of ​​Lin'an District, the guardian of the students in the autumn of 2023 can enjoy the pre -school education and compulsory education public schools in Lin'an District. policy.

According to the WeChat public account of "Chun'an Release", on September 9, Chun'an County, Hangzhou, Zhejiang, launched 10 "dry goods" to promote the real estate market of Chun'an County from the aspects of settlement subsidies, improving financial support policies, and optimizing urban layout. healthy growth. Specifically, the subsidy policy includes tax purchase deed subsidies, consumption subsidies for buying houses, supporting rigid buying demand, support for improving house purchase needs, supporting youth buying, attracting foreign personnel settlement, organizing group purchase discounts, and so on.

For example, if you purchase new commercial housing in Chun'an County, it will be subsidized according to the amount of 80%of the deed tax required. The subsidy amount shall be limited by the actual deed taxation place for deed taxes, and a single set of subsidies shall not exceed 30,000 yuan. If you purchase the first new commercial house in Chun'an County, the house purchase subsidy is 300 yuan/square meter, and the single -set subsidy does not exceed 50,000 yuan. Graduates who have a bachelor's degree or above in Jun Employment and Entrepreneurship (who need to pay the county's social security). If they first purchase new commodity houses in Chun'an County, they will subsidize a house for 200 yuan/square meter, and a single set subsidy does not exceed 20,000 yuan. In addition, the policy also mentioned that real estate enterprises are based on real estate -based real estate to give lock prices for newly -built commercial housing in the "Activity Real Estate Pool", including 5 sets of group purchase of 5 sets or more; 3%of the above or above; 4%of the group purchase of 20 sets and above; 5%of the group purchase of 50 sets and above.

On September 8, Hangzhou Jiande City issued the "Notice on Promoting the Stable and Healthy Development of the Real Estate Market in our City". For non -Jiande's household registration to purchase new commercial housing, a one -time home purchase subsidy of 20,000 yuan/set is given. For the purchase of new commercial housing in this city, it is a resident resident of Jiande City, which meets the conditions of two or three -child family groups. A subsidy of 1%of the house purchase funds for childbirth (born after January 1, 2016); the subsidy of 3%of the family -to -three -child family (born after May 31, 2021). A single set subsidy does not exceed 50,000 yuan.

After February 1, 2022, employment in Jiande City and continuously paid the social insurance of enterprise employees for more than 12 months (excluding supplementary payment), signing a labor contract with an enterprise for more than 8 years, and the first purchase of new commercial housing in Jiande City Given one -time house purchase subsidy, the unit continuously pays a one -year subsidy of 10,000 yuan, an increase of 10,000 yuan per year, and a single set of subsidies will not exceed 30,000 yuan.

Zhejiang Lishui: The maximum amount of provident fund loans raised from 700,000 yuan to 800,000 yuan

According to the "Lishui Online" WeChat public account on September 9, Lishui City, Zhejiang Province recently released the "Lishui City to Promote the Steady and Healthy Development Policy of the Real Estate Market". The policy mentioned that the renovation of dangerous houses, historical districts, and shantytowns was accelerated to eliminate hidden dangers of the masses.

At the same time, increase the maximum limit of employee housing provident fund loans. For the first time, the employee applies for the first self -occupied housing for the housing provident fund loan, and the maximum limit of the double deposit employee has been adjusted from 700,000 yuan to 800,000 yuan; the maximum limit of the employee of the single deposit employee has been raised from 350,000 yuan to 400,000 yuan. If an employee applies for a housing provident fund loan or purchases the second self -occupied house, the maximum limit of the double deposit employee has been raised from 500,000 yuan to 600,000 yuan; the maximum limit of the employee of the single deposit employee is raised from 250,000 yuan to 300,000 yuan.

After the first -time housing provident fund loan is settled, the loan interval is restricted, and families with employees shall not apply for housing provident fund loans 3 or more.

The policy also mentioned that the legitimate rights and interests of the buyer were effectively safeguarded to ensure the completion acceptance of the real estate. It is reported that in July of this year, Lishui established a special class to help the enterprise's rescue and insurance. After the establishment of the special class, Shimao Bailanyuan Project's property right certificate has been resolved for the first time in the first registration of the project. Make supervision and assistance to ensure that there are no major risks to ensure that the building is intertwined.

Jiangsu Taizhou: Adjust the down payment ratio of the housing provident fund loan

"Taizhou released" WeChat public account September 10 news, seven departments such as Taizhou City Housing and Construction Bureau and Finance Bureau of Jiangsu Province jointly issued the "Notice on Further Release of Consumption Potential Development" (hereinafter referred to as the "Notice" "), A total of ten measures will be implemented from September 9.

The "Notice" states that the proportion of housing provident fund loans is adjusted, and the proportion of down payment ratio of housing provident fund loans for the first and second time is adjusted to 20%and 30%, respectively. Adjust the maximum loan quota of the housing provident fund, the maximum amount of the two employees applied for the housing provident fund loan for the first time and the second time was adjusted to 1 million yuan and 800,000 yuan, respectively; 400,000 yuan. For the Taizhou household registration families with two children or three children (the children are under 18 years of age when buying a house), the maximum amount of the two employees and single employee housing provident fund loans is adjusted to 1 million yuan and 500,000 yuan, respectively.

For the Taizhou households with two children and three children (children are under 18 years of age when buying a house), and retired soldiers, and active soldiers purchase commercial housing (including second -hand commercial housing) within the urban area Percent house purchase subsidy. At the same time, active soldiers who are encouraged to develop third -class merits, second -class merits, first -class merits, and honorary titles will be encouraged to give a house purchase discount. In addition, for those who meet the "Six Policies of Talent Culture to Accelerate Talent Gathering and Promoting Industry", Article 2 (Six Policies of Industrial Strong City "will be issued by 20,000 yuan to buy a house purchase voucher.

In order to reduce the cost of stock housing, promote the linkage of new housing and second -hand housing markets, and subsidize the subsidy of the individual's residential and its house accessible facilities and pay the land value -added tax, the subsidy standard is half the amount of the actual land value -added tax payment.

The "Notice" also states that in order to further stimulate the potential momentum of the market, the "house ticket" resettlement method is adopted, optimizing the rhythm of land supply and transfer conditions, regulating real estate brokerage behavior, and promoting high -quality residential construction. At the same time, deepen the reform of the "decentralization of service" in the real estate field, allowing the development of developing enterprises with 50%of the first -phase transfer gold payment, and conducting preliminary work through approval of the commitment system; If the land use rights mortgage corresponding to commercial housing may apply for the pre -sale permits, online signing filing, first registration, transfer registration, etc. Guizhou Fenggang: Allow the withdrawal of the provident fund payment down payment

On September 7, Fenggang County, Zunyi City, Guizhou Province issued the "Notice of Policies and Measures on Supporting the Stable and Healthy Development of the Real Estate Market (Trial)" Ten measures such as credit and financial support, increased housing provident fund policy support, regulating the supervision of pre -sale funds for commercial housing, and increased the resolution and treatment of problems.

The "Notice" shows that Fenggang County requires that the financial institution implements 20%of the first house loan down payment. For families with a house with 1 house and settle the house purchase, the first house loan policy for loan purchase is re -applied for the loan purchase. The loan period is not more than 15 days. In response to the buyers affected by the epidemic, the loans and other loans of personal housing are flexibly adjusted to adjust the repayment plan for reasonable delay, extend the loan period, and delay the repayment of the repayment plan.

The document shows that the buyers who pay deed taxes and handle household property rights registration from 50%of the paid tax will be rewarded from July 1, 2022 to December 31, 2022. It can be used within half a year, which can be used for decoration, home building materials, furniture, home appliances, tourism, catering consumption expenditures.

The document proposes to further increase credit and financial support. Reduce the conditions for provident fund loan access, and after the real estate development project obtains pre -sale permits for commercial housing, the structure of the main structure of the real estate residential body is more than 70%(inclusive), and the provident fund loan access can be applied for.

Fenggang County will also reduce the minimum down payment ratio of the second -house provident fund loan. When the employee family purchased the second set of self -housing provident fund personal housing loans from July 1, 2022 to June 30, 2023, the minimum down payment ratio was reduced from 30%to 20%; the two housing provident fund loans were canceled twice It is necessary to interval the restrictions of 12 months and above. At the same time, the provident fund discount loan is carried out to relax the application conditions of loans in different places in the province, and support the provident fund to "lift and loan".

Employees purchased a house from July 1st to June 30, 2023, and their housing provident fund loans were issued during the above period. During the above period, employees and spouses could apply for withdrawal of housing provident funds after approval of the housing provident fund loan. Used to pay the down payment of the same housing house purchase, the cumulative amount withdrawal amount of the same housing shall not exceed the down payment amount of the house purchase.

In addition, the document proposes to strengthen the organization and leadership of the disposal of risk problems in the real estate sector, explore the method of solving the problem of "complaints" to solve the problem of real estate, and focus on solving social livelihood issues.

Editor: Lin Gen

School pair: Wang Wei

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