China News Service, Xi’an, December 1st (Zhang Yichen Party Field) is located in the western inland city of Xi’an. In the early morning of December 1, the "Notice on Further Strengthening the Regulation of the Real Estate Market" was issued to refine the down payment ratio for the second home. , Commercial loan down payment is adjusted to 70%.

  According to statistics released by the National Bureau of Statistics, in October 2020, the sales price of new commercial residential buildings in Xi'an increased by 0.5% month-on-month and 7.6% year-on-year in October last year.

  The Xi'an official notice included four aspects: strengthening the management of pre-sales of commercial housing, giving play to the role of differentiated credit regulation, strengthening the supervision of pre-sale funds, and strengthening the overall management of real estate regulation.

Clearly adjusted the down payment ratio of commercial loans for the purchase of the second set of housing and provident fund loans.

  The notice proposes that if a household in Xi’an has a housing area of ​​144 square meters or more, and the purchase of a second housing area of ​​144 square meters or less, the commercial loan down payment ratio shall not be less than 60%; For those over 144 square meters, the down payment ratio for commercial loans is not less than 70%.

  In addition, it also proposes to speed up the construction of Internet + supervision, home buyers can obtain the information on the payment of the purchase payment confirmed by the development company through online platforms, mobile phone text messages, etc.; the commercial bank responsible for housing loans should transfer the full amount of loan funds to pre-sale It is strictly forbidden to keep or transfer funds to other accounts of development enterprises without authorization.

  Xi'an officials stated that it is necessary to strengthen the monitoring of the real estate market and the regulation of housing prices, strengthen the adjustment of supply and demand, improve the housing supply system, and take multiple measures to stabilize land prices, house prices, and expectations, and resolutely curb the excessive rise of housing prices.

  It is understood that in the second half of 2020, Hangzhou, Ningbo, Dongguan, Chengdu and other cities have successively introduced regulatory policies, which roughly include strict implementation of purchase restrictions and strengthened qualification review for house purchases, with the goal of "real estate speculation".

  Wang Shengxue, chairman of the Shaanxi Real Estate Research Association, said that on the one hand, we must recognize that real estate is still an important part of the national economy.

On the other hand, the relationship between supply and demand determines the direction of the real estate market. Persist in stabilizing land prices, housing prices, and expectations, and cracking down on "real estate speculation" behavior, which has a positive impact on the healthy development of the Xi'an property market.

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