Kaifeng issued 159 stabilization of a package of policies and measures for the first house for the lowest 20 % down payment

[Dahecai Cube News] On July 1st, the People's Government of Kaifeng City recently issued the "Implementation Plan for Implementation of Policies and Measures for Stable Economy Prand", involving ten major aspects, a total of 159 measures, which are strong, orderly and effective. Under the prevention and control of the normalization epidemic, the city's economic operation work, fighting for the economic active battle to stabilize the economy, ensure that the economic operation is operating in a reasonable range, realize the "double half" and "all year red", and make contributions to the national and province's stabilization of the economic market. Essence

Among them, 14 specific measures were launched in the implementation of the implementation of real estate's stable and healthy development policy.

The residents' families purchase commercial personal housing loans for the first time. In principle, the minimum down payment ratio is 25%, which can float 5 percentage points downwards.

券 Study through the issuance of house purchase coupons, subsidies, and tax subsidies, etc., to support the settlement of talents and households in the household and the reasonable housing needs of urban and rural residents.

因 Special difficult groups that cannot repay housing mortgage loans in a timely manner due to the epidemic reasons, and implement the relevant policies for postponed repayment.

Provide housing security for the most difficult people through public rental housing. Promote the use of public rental housing apps throughout the city, simplify the application procedures, and facilitate low -income housing difficult people to apply for public rental housing; make good use of the central financial urban security housing project subsidy, timely and full in time to issue lease subsidies to difficult people incorporated into the scope of guarantee.

市 Establish and improve the "white list" of the real estate development enterprise in Kaifeng City, and provides preferential policies for enterprises to start the "green channel" and optimize the pre -sale fund supervision model from the establishment of the project in the "whitelist." Establish a "green channel" for projects. Before the construction of the project's main project, the "Construction Land Planning License" has been obtained, and the new projects of the construction and supervision units have been determined. After the consent of the construction permit approval department, the relevant provisions of the non -permanent engineering and pile foundation can be established. Entry in advance for land leveling, construction of crowds, temporary construction of enclosure, non -main project construction such as the connection of water and calligraphy, soil construction, and precipitation construction. Optimize the pre -sale fund supervision model. For real estate development projects involved in construction in 2022, real estate companies can apply for the balance of pre -sale supervision funds accounts for commercial housing in advance. They are specifically used for resumption of production and re -production in this project.

按 Guide financial institutions in accordance with the principles of compliance, controllable risks, and sustainable commercial availability in accordance with laws, and support high -quality real estate companies to acquire and acquire high -quality projects or their high -quality projects by issuing mergers and acquisitions loans and reducing interest rates.

合 Encourage financial institutions to rationally increase support for stable operations, risk -controlled real estate enterprises and projects, and provide necessary liability loan support for construction enterprises. Transfer to key supervision funds.

提 Under the premise of controlling risks, according to factors such as the cost of the construction project of the real estate project, the amount of construction contract, and the conditions of the project delivery, the amount of key supervision funds in the pre -sale of the pre -sale of the commercial housing will be used as the general regulatory funds. Allows by bank guarantee, commercial insurance, and state -owned guarantee companies to replace the guarantee, and reasonably release the liquidity of real estate enterprises on the premise of ensuring the funds required by the project to be completed and delivered.

情 Study and formulate policies and measures for the first time registered time of the completion of commercial housing and the first registration time for real estate in the influence of irresponsibles such as epidemic housing.

、 Conflying the responsibilities of governments and real estate enterprises at all levels, actively dealt with issues of problems, and prevent risks in the real estate field from being transmitted to the financial and fiscal sector.

企业 Enterprises affected by the epidemic can apply for a slowdown in housing provident fund in accordance with regulations, and make up after expiration. During this period, the employees withdrawn and apply for housing provident fund loans normally and apply for housing provident fund loans are not affected.

If the depositor affected by the epidemic cannot repay the housing provident fund loan normally, it will not be dealt with overdue, and will not be included in the credit record.

房 Those who lease the housing provident fund for self -occupied housing will be adjusted from 600 yuan to 800 yuan, and the maximum withdrawal amount of the wedding and payment of the monthly single month is adjusted from 1200 yuan to 1600 yuan.

Attachment:

Kaifeng City implements the implementation plan for the policy of stabilizing the economy of the economy

Responsible editor: Shi Jian | Audit: Li Zhen | Director: Wan Junwei

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