China-Singapore Jingwei, April 28 (Wu Xiaowei) The upper limit of multi-child family loans has been increased, the qualifications for buying houses have been added, and there are real money and silver housing supplements in many places... Since April, more than 50 places have introduced new policies for the property market, are you considering taking a shot?
According to statistics from the Central Plains Real Estate Research Institute, more than 80 cities have issued real estate policies during the year.
As of April 26, the country has accumulated more than 50 real estate policies to stabilize the property market in April.
Chen Wenjing, market research director of the Index Division of the China Index Research Institute, said that since April, the implementation of optimized real estate control policies has accelerated.
With the frequent introduction of new policies in the property market around the world, adjusting the provident fund loan amount has become a common method.
It is worth noting that recently, Shenyang adjusted the VAT exemption period for personal housing transfer from 5 years to 2 years, which is also the first city in the country to adjust the VAT.
According to a number of media reports, Foshan will not limit the purchase of houses for five years.
Families with multiple children welcome
In addition, several cities have specifically mentioned families with multiple children.
New latitude and longitude in the data map
Wuxi, Jiangsu has made it clear that for families with household registration in the city who have two or three children, if they apply for a provident fund loan for the first time to buy their first self-occupied house, the loan amount may not be linked to the loan applicant's provident fund payment period and payment balance. The borrower himself meets the requirements. If the loan conditions are met, the maximum loan amount will be adjusted to 600,000 yuan; if both the borrower and the spouse meet the loan conditions, the maximum loan amount will be adjusted to 1,000,000 yuan.
It is worth mentioning that the Wuxi Health and Health Commission also issued a document mentioning that Wuxi households with two children and above can purchase a new set of commercial housing in the purchase-restricted area.
Yan Yuejin, research director of the Think Tank Center of the E-House Research Institute, believes that the leading department of Wuxi's policy is the National Health Commission, not the Housing and Urban-rural Development Bureau.
A similar situation also shows that the current adjustment of the purchase policy will also take into account factors such as population fertility and family support.
It is expected that other cities across the country will have similar logic in the follow-up, which is also a point that other cities can actively pay attention to in the follow-up, that is, it may increase the subscription qualification of a property.
Previously, Mianyang, Sichuan intends to provide a financial subsidy of 200 yuan per square meter based on the construction area for families who meet the policy to have two or three children and purchase new commercial housing in Mianyang urban area (including Anzhou District), with the highest financial subsidy for a single family. not more than 20,000 yuan.
The subsidy funds are borne by the urban (park) two-level finance according to the financial system, with 30% at the municipal level and 70% at the district (park).
Development enterprises are encouraged to give special discounts on the basis of the highest discount to families with two or three children.
The amount of special discount is not included in the 15% lower than the record price.
"The introduction of new provident fund policies in various regions is to implement the policy orientation of the central government to support reasonable housing needs. Some cities combine population policies to strengthen housing support for families with two and three children, and increase the adjustment of the demand side, which will help speed up the potential and reasonable rigid demand. And improve demand release." Chen Wenjing said.
Real money to subsidize housing
In some places, the approach is more direct, issuing or increasing housing subsidies.
Tongzhou District, Nantong City, Jiangsu Province is calculated based on the total housing price and housing area of the first new ordinary commercial housing purchased by the employees of the enterprise. A subsidy of 1% of the total housing price is given below 90 square meters (inclusive), and 90 square meters to 144 square meters (inclusive). 1.5% housing subsidy of the total housing price.
For eligible dual-earner families (immediate family buyers) who purchase the first newly built ordinary commercial residences below 144 square meters (inclusive), a housing subsidy of 2% of the total housing price will be given.
Changde City, Hunan Province has increased housing subsidies for college graduates and various technical personnel.
The subsidy for house purchase is issued in a one-off form of currency, and the subsidy calculation base is based on the area of newly-built commercial housing purchased. Among them, the subsidy standard for full-time doctoral students, full-time senior professional titles and senior technicians is 200 yuan/square meter. The subsidy standard for senior professional titles and technicians is 150 yuan / square meter, the subsidy standard for full-time undergraduates, intermediate professional title personnel and senior workers is 120 yuan / square meter, and the subsidy standard for full-time junior college students and intermediate workers is 100 yuan / square meter.
Changshu City, Jiangsu Province once proposed to subsidize talents who meet the requirements at a fixed rate. New commercial housing will be subsidized at 1% of the purchase price (excluding value-added tax); existing housing will be subsidized at 1% of the online purchase price.
However, the new deal was subsequently removed.
In this regard, Yan Yuejin told Sino-Singapore Jingwei that local departments will continue to pay attention to the market's response.
Including the previous relaxation of purchase restrictions in Yangcheng District, Qingdao, the down payment of 20% in Yanjiao, Hebei, the relay loan in Guangzhou, and the subsidy policy for talent purchases in Changshu, there are actually one-day trips.
Similar phenomena show that some policies are faced with hype or misinterpretation by the market, and relevant departments will have some measures to stop them.
Through this kind of suspension, it can objectively reduce all kinds of misinterpretation of policies and help reduce the occurrence of real estate speculation.
Single- and dual-employee provident fund loan quota increased
Lanzhou of Gansu, Kunming of Yunnan, Huzhou of Zhejiang, Jiangyan of Jiangsu, Jingjiang, Yangzhou, Huai'an, Longyan of Fujian and other 8 places mentioned the increase in the loan amount of provident fund for single and dual employees.
Yan Yuejin told Sino-Singapore Jingwei that the provident fund policy continues to be loose, firstly because the funds are relatively abundant, and secondly because it is an important channel to support reasonable housing consumption.
Yan Yuejin mentioned that the provident fund policy, together with the loan policy of commercial banks, helps the real estate and financial markets, helps stimulate reasonable housing consumption, and has a positive effect on the activity of the real estate market in the second quarter.
In addition, among the above-mentioned more than 30 cities, those that have made adjustments to the New Deal on Provident Funds include Gansu, Guangxi, Shenyang, Kunming, Taizhou, Suzhou, Beihai, Nanning, Zigong, Qingdao, Jinan, Shangqiu, Wuzhou, Chenzhou, Jiujiang, and Dongguan. , Zhongshan, Zunyi, Heihe, Jingzhou, Linyi, Ziyang, Tangshan, etc., at least 20 places, including raising the maximum amount of provident fund loans, etc., and proposing relief measures for companies affected by the epidemic.
The latest data on mainstream mortgage interest rates in key cities released by the Shell Research Institute on April 20 shows that the mainstream first-home mortgage interest rates in the 103 key cities monitored by the Shell Research Institute are 5.17% and 5.45%, down 17 basis points from the previous month, respectively. 15 basis points; the average loan period this month was 29 days, 5 days shorter than the previous month.
At the press conference on the operation of the national economy in the first quarter of 2022 held by the State Council Information Office on the 18th, Fu Linghui, spokesperson of the National Bureau of Statistics and director of the National Economic Comprehensive Statistics Department, said that with the moderate relaxation of purchase and sales restrictions in many places etc., the decline in sales area has narrowed.
In the next stage, all localities will adhere to the principle of "housing to live without speculation", improve the long-term mechanism of the real estate market, and actively meet reasonable housing needs, so that the downward trend in the sales of commercial housing across the country may be alleviated.
(Sino-Singapore Jingwei APP)
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