[Follow] It's related to buying a house!Hubei introduced heavy measures to introduce heavy measures

Jingmen City Government Office recently issued

"About promoting housing consumption in the central urban area

Notice of Several Measures "

(The following referred to as "Several Measures")

Further support rigid and improved housing needs

Fully release housing consumption potential

Promote the real estate market in the central urban area

Personal circulation and healthy development

This measure has been promulgated

The validity period is tentative for 1 year

The scope of the "Several Measures" is the main urban area and five groups, of which the main urban area east to Erguang Expressway, west to west, south to Guanyan Hunan Road, and north to north. Ziling, archway, Macheng and Tuanlin group.

The content mainly reduces the two parts of citizens' purchase burden and reduces the burden of housing enterprises, a total of 13 articles, involving housing provident fund policies, financial policies, supporting improvement of housing consumption, reducing corporate burden, optimizing government service quality, building online and offline home purchase platform platforms etc.

"Four cancellations" of provident fund loans

The housing provident fund is the first choice for urban residents' housing loans. In the past policies, when employees' new houses purchase housing provident funds, they have restrictions on the number, conditions, and amounts of withdrawals. In order to fully release the potential of housing consumption and reduce the burden on the purchase of houses, "Several Measures" proposed the "four cancellations" of provident fund loans, that is,

01

Cancellation (building) housing withdrawal does not exceed three restrictions. All the municipal employees have applied for a housing provident fund purchase loan and the loan has been settled.

02

The restrictions on the "two -selection of loans". Under the premise of not exceeding the total amount of house purchase, employees can still apply for housing provident fund loans after the purchase of housing provident funds;

03

Cancel the restrictions on the ratio of the quota of the housing provident fund, and the balance of the account will be kept 100 yuan after the extraction of the account;

04

Dispensing part -time restrictions on employee loans in different places, paying provident fund loans for housing purchases in the city in the city, the loan quota and deadline are the same as the city's employees, and the conditions for the required guarantor to pay for employees in the Jingshi housing loan in different places.

The first house standard "recognize loans and do not recognize the house"

In the past, the identification of the first house was basically "recognizing the house and recognizing loans", that is, as long as the urban residents have a house, regardless of whether they loans, they apply for a commercial personal housing loan when they buy a house again. The "Several Measures" proposed the first house for "recognition of loans and not recognizing houses", that is, families who have a house and have settled the corresponding house purchase loan, and apply for loans to buy ordinary commercial housing to improve the living conditions. Financial institutions implement the first mortgage policy.

At the same time, in order to reduce the burden of house purchases of residents' families, drawing on the practice of other cities, the proportion of commercial personal housing loans of the first house is reduced from 30%in the past to 20%; 50%reduced to 30%.

In addition, for families to purchase ordinary commercial housing, the first set of housing commercial personal housing loan interest rates are adjusted to not less than less than the corresponding period of loan market quotation rate, and the lower limit of the two sets of housing commercial personal housing loans is in accordance with the current regulations implement.

There are subsidies to improve sex purchase

Since December last year, Jingmen City has introduced policies such as college student purchase subsidies, non -central urban household registration household purchase subsidies, and subsidies for science and technology talents. The subsidy conditions are mainly the first house. "Several measures" proposes to support residents' families to purchase improved new new commercial housing. The residents of the central urban area to purchase the second and above new and above ordinary commercial housing and obtain the real estate deed tax payment certificate, and the part that should be paid by the first set of homes in the same set of homes will be subsidized by the district -level finance.

Effectively reduce the burden of real estate companies

Affected by the slow sales of commercial housing, real estate development companies generally face the problem of shortage of funds. In order to effectively revitalize the funds and achieve the goal of "keeping diplomatic relations, keeping people's livelihood, and stability", "Several Measures" will reduce the burden on real estate companies from the aspects of optimizing pre -sale funds for commercial housing and increase financial support for real estate companies.

Reduce the key supervision quota of pre -sale funds in stages.

According to the sales progress of commercial housing and the credit level of the development enterprise, the scope of key monitoring of pre -sale funds from the central urban area is reduced from 30%-50%of the pre -sale funds to 20%-30%;

The conditions for applying for non -key supervision funds are reduced by 10%of the total investment in the pre -sale project of the project to 3%;

Before the completion of the supervision project was completed, the amount of funds in the supervision account shall not be lower than the total investment of the project in the project during the period of the project, which is reduced by 10%to 3%.

Increase financial support for housing companies.

For real estate development enterprises that meet the conditions of the exhibition period, they can support the exhibition period through the application of the enterprise.

For some difficult real estate companies, encourage financial institutions and enterprises to negotiate and adjust the repayment method, and can use the method of clearing the company to reduce the pressure of corporate funds;

In accordance with the principles of laws and regulations, controlling risks, and sustainable commercial available business, increase support for mergers and acquisitions of real estate enterprises, and effectively alleviate the pressure on the operation of market entities.

Optimize service digestive housing

The inventory of commercial housing is also a prominent issue that hinders the development of the real estate industry. "Several Measures" proposes to digest a commodity house for multiple channels. For the resettlement objects of house collection projects within the central urban area, in principle, monetization resettlement is implemented, new resettlement houses are concentrated on state -owned construction land, and villagers are encouraged to guide villagers to buy houses. Sexual housing market demand; encourage enterprises to purchase existing commodity housing to meet the housing needs of enterprise employees. Strengthen the governance of the "scar" plot around the commodity housing community with large inventory. For the small land area and cannot integrate the development of the land, prioritize the construction of basic supporting facilities such as parks, green spaces, parking lots , Improve the living environment, create a 15 -minute living circle, and promote the sales of housing in stock.

At the same time, the reform of public service mechanisms such as "multi -testing and combination, multi -examination, one, and multi -verification one" will be vigorously implemented. Support guide real estate companies to optimize sales services, build various online and offline platforms, and promote commercial housing transactions. Incorporate real estate enterprises to participate in online and offline housing purchase platforms, commercial housing sales, etc. into corporate credit rating, establish a reward and punishment mechanism, and provide policy support for enterprises with heavy contracts, credit, and sales in market access, qualification upgrades, and pre -sale funds. Cultivate a number of real estate development leading brand companies.

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Source: Hubei Release, Jingmen Evening News

Edit: Zhou Mi

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