"One person to buy a house for the whole family", export the new policy of the property market in many places

Recently, the provident fund loan policy has been adjusted in many places. In addition to increasing the loan quota and reducing the down payment comparison, according to Zhongxin Jingwei reports, 14 cities have pushed the "one -person house gang" policy this year.

On the side of Guangdong, 90%of the balance of employees in Zhuhai can withdraw the balance of accounts to help their direct relatives (spouses, parents, children) purchase house payment payment, or withdrawn from the loan to withdraw from the loan to help their direct relatives (spouse spouses (spouse spouses , Parents and Children) Repair the home purchase loan; those who purchase first -hand commercial housing from June to December this year, their direct relatives (spouses, parents, children) can apply for withdrawal of housing provident funds.

The Shenzhen Housing and Construction Bureau also issued a notice on publicly soliciting the "Shenzhen Housing Provident Fund Loan Management Regulations (Draft for Opinions)" to publicly solicit the "Shenzhen Housing Provident Fund Loan Management Regulations (Draft for Opinions)" yesterday (July 6). Human spouses, parents, and children can be used as common applicants regardless of whether they have any depository funds. At the same time, they also clarify that the applicant's spouse, parents, and children are buyers who should be a common applicant.

Shenzhen

On July 6, the Shenzhen Municipal Housing and Construction Bureau issued a notice to publicly solicit the "Regulations on the Management of Shenzhen Housing Provident Fund Loan Management (Draft for Opinions)" (hereinafter referred to as the "Loan Regulations").

The main revision of the "Loan Regulations" includes four aspects: (1) the definition of streamlined provident fund loans, and adjusting the scope of the common applicant; With the real estate regulation policy of our city, and incorporating the relevant content of the loan supplementary documents; (4) adjust the content of some provisions to more meet the needs of practice.

Among them, in the scope of adjusting the common applicant, the applicant's spouse, parents, and children can be used as common applicants regardless of whether they have deposited housing provident funds. Common applicant.

"Once the market has declined, the provident fund policy is the first choice for the rescue policy." Li Yujia, chief researcher of the Housing Policy Research Center of the Guangdong Provincial Urban Rules Institute, pointed out that the main reason for the loosening of Shenzhen Provident Fund Policy is pessimistic. The form of Shenzhen loose provident fund policy, especially the "family gang", can not only improve the down payment capacity, but also improve the monthly supply capacity, but also reduce the burden of monthly supply. This is the starting point and end point of policy adjustment.

At the same time, he pointed out that the signal of the market expectations of the Shenzhen Provident Fund Voluntea is obvious. "The main theme of Shenzhen's future policy is to reduce costs. Land must be limited, new houses are supplying large -scale supply, and they are also limited. New citizens and households are preferred. Family and direct relatives all provident funds are supported by residents' down payment, reducing the threshold for house purchase, and improving the down payment and monthly supply capacity. "

It is understood that in the first half of the year, Shenzhen's new houses were sold for 16,126 units, a year -on -year decrease of 38.3%, and 9965 units of second -hand residential houses were reduced by 65%year -on -year. Li Yujia believes that the main reason for the decline in second -hand housing transactions is much larger than that of new houses. The price of new houses is low, the transaction cost is low, and the supply scale is relatively large. Regarding the trend of the future, he said that the trend of comprehensive reduction in costs will not change. With the decline in residents' expectations and the decline in revenue growth, the advantages of new house transactions will be highlighted, which will also make the virtual land of second -hand housing softened.

Zhuhai

On June 1st, the official website of Zhuhai Housing Provident Fund Management Center released the "Several Measures for the" Industry First "of the" Zhuhai Housing Provident Fund Management Center to Support Service "Industry First", which involved a number of house purchase policies adjustment and attracted attention.

According to the official website, Zhuhai has recently issued the "Planning for the" Industry First "Working Plan for Housing Provident Fund" (referred to as the "Plan").

In terms of optimizing policies and fully meeting the consumption needs of employees in the depositor employees, the "Plan" proposes to increase the upper limit of the approval amount of provident fund loans. Within the scope of funds liquidity control indicators, the implementation of a reasonable loan coefficient is implemented to increase the upper limit of the loan approval of the single -payment employee from 300,000 yuan to 500,000 yuan.

At the same time, we will increase their support for talents in Zhuhai. Provide preferential policies for top -level, first, second, and third high -level talents. The applicant purchases the first set of self -living houses for high -level talents for high -level talents. It was 2.5 million yuan.

The amount of housing provident fund rental withdrawal has also been improved. According to the new regulations, before 2022, the depositor and spouse have no self -residential housing in Zhuhai and the housing provident fund for 3 months. Paying rent, the extraction limit for each natural year is increased from the original 24,000 yuan to 28,000 yuan.

In addition, the "one -person home gang" is implemented. The employees of Zhuhai City can withdraw 90%of the balance of the account to help their direct relatives (spouses, parents, children) purchase a house payment down payment. They can also withdraws the provident fund by month by repayment to help their direct relatives (spouse, parents, children, children, children, children, children, children, children ) Repair the house purchase loan.

According to the "Plan", the employees purchase affordable housing in Zhuhai City and the same provident fund loan and withdrawal policy of buying commercial housing in Zhuhai. Pay employees in foreign cities have implemented a provident fund loan policy that has no difference in employees in Zhuhai City in Zhuhai. In addition, the "Plan" clearly states that before the end of 2022, if the company's difficulty in applying for a slowdown, the employees of the affiliated employees withdrawn the provident fund and the application for provident fund loans are not affected. The employees do not repay the provident fund loan normally and will not be handled out.

14 Cities Push "One Man Buy the Family Gang" policy

Tangshan

Beginning on July 15, 2022, Tangshan Housing Provident Fund Management Center purchased a house to repay the new policy: "One person to buy a house for the whole family."

Policies stipulate that in the area of ​​Tangshan, single employee loans to buy a house can provide loan repayment help as a common repayment person; the married employee's loan to buy a house, and both parents can provide loan repayment as a common repayment person. Parents' loans to buy houses or married children and husbands can provide loan repayment help as joint repayment. For insufficient loan repayment capabilities, as a common repayment person allows participation in loan repayment capabilities, the amount of loan is increased. The above personnel must pay employees for Tangshan housing provident fund.

Xianning

On June 13, the Housing Provident Fund Center of Xianning City, Hubei Province adjusted the housing provident fund policy: After studying the meeting of the Housing Provident Fund Management Committee of Xianning City, it was decided to adjust the housing provident fund use policy. Or when the balance is extracted, you can apply for the housing provident fund balance of parents and children at the same time (the account is reserved for 100 yuan), but it must not be higher than the total price of the total purchase contract.

Chizhou

On May 20, the official website of the Chizhou Housing Provident Fund Management Center issued the "Notice on Adjusting the Relevant Policies of Housing Provident Fund Loans" stating that when the employee family applied for a housing provident fund loan for the second time, family members (couples, parents, children) The balance of the provident fund account can be extracted for payment of housing, and the sum of the total amount of the total amount and the loan amount shall not exceed 80% of the total price of the house.

Quanzhou

On May 10, Quanzhou Housing Provident Fund Management Center issued the "Guidance Opinions on Further Opinion to Further Opinize the Purchase of New Commodity Housing Employees withdrawing Housing Provident Fund Payment".

Anyone who purchases new commercial housing in the administrative area of ​​Quanzhou (including common property houses, price limit housing, and other associate affordable housing), housing employees (including common property owners), spouse and direct blood relatives can apply to the Municipal Housing Provident Fund Management Center The housing provident fund (including housing subsidies) in the provident fund account is extracted to pay the first payment of house purchase.

Purchase employees (including common property owners), spouse and direct blood relatives can be extracted to the account balance for 100 yuan, but it must not exceed the total housing housing model.

Zhuhai

On June 1, the official website of Zhuhai Housing Provident Fund Management Center released the "Several Measures for the" Industry First "support service" Industry First "of the Zhuhai Housing Provident Fund Management Center, which involved a number of house purchase policies. Payment of 90%of the balance of accounts in Zhuhai can help their direct relatives (spouses, parents, children) purchase payment down payment. Children) Repayment of house purchase loans.

Tianjin

Those who do not use housing mortgages for employees to buy a house, one of the buyers and their spouses and parents can withdraw the housing provident fund at one time on the full payment of housing funds.

Ganzhou

On May 31, Ganzhou announced some policies for adjusting the housing provident fund: If you purchase commercial housing within the city, you can withdraw the housing provident fund under the name of the parents or children. Except for the depositor to withdraw the housing provident fund in accordance with the original policy regulations on the purchase of commercial housing, the insufficient part can withdraw the balance of the housing provident fund account of their parents or children. If I do not pay the housing provident fund, I can withdraw the balance of the housing provident fund account under the name of their parents or children.

Cangzhou

Those who buy the first house and affordable housing for unmarried children, their parents can withdraw their accounts' housing provident funds to support their children's purchase.

Qinhuangdao

The full amount of the depositors of the city purchases the new self -occupied housing in this city, and the parents of both husband and wife can apply for withdrawal of housing provident funds to support their children to buy a house (only once).

Chaozhou

Relaxing house purchase extraction policies: From June to December 2022 to buy first -hand commercial housing in this city, their direct relatives (spouses, parents, children) can apply for withdrawal housing provident fund.

Shaoyang

Support parents to withdraw housing provident funds to buy houses for children. If the purchase of the housing of the Shaoyang Housing Provident Fund Management Center is required, the parents can apply for the withdrawal of the housing provident fund to support their children to buy a house. The total withdrawal amount does not exceed the total amount of the house purchases.

Ziyang

Implement the intergenerational assistance between the provident fund family. Paying employees to purchase self -occupied housing in the administrative area of ​​the city, and can apply for withdrawal of parents or children's housing provident funds for payment of house purchase funds; pay employees and parents or children in the city's administrative area to purchase self -occupied housing and apply for housing provident fund to apply for housing provident fund Those who loans are not subject to the restrictions on the shareholders' share of the property rights of the house.

West

If the relevant regulations are in line with relevant regulations, when employees apply for insufficient housing fund, their spouses, parents, and children can apply for the housing provident fund in the account at the same time.

Chu Xiong

Employees who purchase their first self -occupied housing in the state, in addition to the housing provident fund of their and their spouses, they can also apply for the housing provident fund of both parents, but the cumulative withdrawal amount does not exceed the total price of the house.Based on the official website of Zhongxin Jingwei, Tangshan Provident Fund, Xianning Provident Fund, Chizhou Housing Provident Fund Management Center, Quanzhou Housing Provident Fund Management Center, Ganzhou Provident Fund, Cangzhou Housing Provident Fund Management Center, Qinhuangdao Housing Provident Fund Management Center, Chaozhou Provident Fund, Chuxiong, ChuxiongState Housing Provident Fund Management Center, etc.

Source: Southern Metropolis Daily (NDDAIIY), N video reports

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