China News Service, Haikou, May 16 (Fu Yuqun and Wang Ziqian) On May 15, four departments including the Haikou Housing and Urban-Rural Development Bureau jointly issued the "Notice on Promoting the Stable and Healthy Development of the Real Estate Market" (hereinafter referred to as the "Notice"), Policies have been adjusted in terms of talent purchase, down payment for second housing, and commercial housing transfer.
In terms of housing purchases by talents, the "Notice" stipulates that for the introduction of talents who have settled in Hainan Province to purchase housing in Haikou City, they will enjoy the same treatment as local residents from the date of settlement.
Talents who have not settled in Hainan Province, if they and their family members do not own a house in Hainan Province, can purchase a house in Haikou City by providing proof of personal income tax or social insurance payment for themselves or their family members in Hainan Province for 12 months or more. .
In terms of down payment for a second home, the "Notice" stipulates that the purchase of improved housing is supported. For those who apply for a commercial loan to buy a second home but have not paid off the original housing loan, the down payment ratio shall not be less than 50%.
If you apply for a provident fund loan to buy a second-hand house, it is the first time to buy a house or the original provident fund loan has been settled, and the down payment ratio is not less than 30%.
The "Notice" pointed out that the commercial housing purchased from April 14, 2017 to September 20, 2017 (subject to the record time of the purchase contract, the same below) can be transferred after obtaining the real estate certificate; the goods purchased after September 20, 2017 Housing and house purchase contracts can be transferred after filing for 5 years and obtaining a real estate certificate.
The "Notice" also stipulates that when setting up a supervision account for the pre-sale funds of commercial housing, the supervision limit should be reasonably determined.
The development enterprise can deduct the same amount of supervision funds with the letter of guarantee issued by the commercial bank.
Funds beyond the regulatory limit can be withdrawn and used by real estate companies as needed.
Yan Yuejin, research director of the Think Tank Center of the E-House Research Institute, said that the new policy issued by Haikou has undergone a number of adjustments, which have released positive signals, such as support for credit for house purchases, especially support for the purchase of improved housing. The down payment ratio for clearing the loan is reduced to 50%.
The new policy further reflects the local government's demand for the stable development of the real estate market.
Relevant policies will further guide market expectations to stabilize, and at the same time form support and support for reasonable housing demand.
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