Zhongxin Finance, May 29. The official website of Xi'an Housing and Urban-Rural Development Bureau published the "Notice on Issues Concerning Adjustment of Commercial Housing Transaction Policies" (hereinafter referred to as the "Notice") on the evening of the 28th. The "Notice" was issued by Xi'an Housing and Urban-rural Development. It was jointly released with the Urban and Rural Development Bureau, Xi'an Financial Work Bureau, Xi'an Housing Provident Fund Management Center, and the Business Management Department of the People's Bank of China Xi'an Branch, which took effect on May 28.
Image source: Official website of Xi'an Housing and Urban-Rural Development Bureau
The "Notice" proposes to ensure reasonable housing needs. Resident families who have moved into the city's household registration from outside the city can buy their first house in the housing purchase restriction area for one year before purchasing a house; Residence Permit", and have paid social insurance or personal income tax in this city for 2 years before the date of purchase, you can buy a house in the housing purchase restricted area.
The "Notice" also requires the promotion of the circulation of second-hand housing. Specifically, in the housing purchase restricted area, for the purchased or newly purchased commercial housing, the house owner has obtained the "Real Property Certificate" for 2 years, or the commercial house sales contract has been signed and filed online for 3 years. Those who have obtained the "Real Property Certificate" can be listed for trading; the second-hand housing that has been purchased or newly purchased can be listed and traded if the owner of the house has obtained the "Real Estate Property Certificate" for 2 years.
In addition, the "Notice" emphasizes strengthening housing financial support, and the main measures include three items.
First, all banking financial institutions in the city optimize real estate financial services in a timely manner, and appropriately reduce the down payment ratio and interest rate pricing level of individual housing loans.
The second is to adjust the housing provident fund loan down payment ratio.
If you apply for a housing provident fund loan for the first time to buy ordinary housing (144 square meters and below), the down payment ratio is not less than 20%; for non-ordinary housing (144 square meters or more), the down payment ratio is not less than 25%.
The second time to apply for a housing provident fund loan, the down payment ratio for the purchase of ordinary housing (144 square meters and below) is not less than 25%; for non-ordinary housing (144 square meters or more), the down payment ratio is not less than 30%.
The third is to adjust the maximum amount of housing provident fund loans.
For housing purchases through provident fund loans, the maximum amount of single-payment employee loans shall not exceed 650,000 yuan, and the maximum amount of double-payment employee loans shall not exceed 850,000 yuan.
In addition, the "Notice" also clarifies that families with two children and above purchase commercial housing, and unmarried persons aged 28 and above who purchase their first commercial housing shall be treated as "families just in need".