Original title: Home purchase subsidies are issued in many places, with a maximum of 100,000 in Xianning!
There are many places to increase the provident fund loan amount and reduce the down payment ratio
Policies to support home purchases in many places continued to be introduced intensively.
On June 23, Xianning, Hubei Province issued a new policy to stabilize the property market, which proposed to provide housing subsidies for the purchase of new houses in urban areas, with a maximum subsidy of 100,000 yuan for specific talents.
At the same time, the down payment ratio for the first home will be reduced to 20%, and that of the second home or above will be reduced to 30%;
On June 22, Huanggang District, Taizhou, Zhejiang also proposed a subsidy policy for house purchases, with a maximum subsidy of 0.8% of the taxable price of the house transaction.
On the same day, Quanzhou, Fujian also issued a new provident fund policy, proposing to reduce the loan down payment ratio and increase the maximum loan amount for families with two or three children, and an additional 100,000 yuan can be added to the maximum loan amount.
In addition, Qiandongnan Prefecture in Guizhou has also issued 12 measures to stabilize real estate, including reducing the down payment ratio of the second set of provident fund loans to 20%, increasing the maximum loan limit to 600,000 yuan, and introducing the first to the first to the first to the state government. Four-level special talents, the maximum loan amount can be increased to 800,000 yuan.
Industry insiders believe that since June, the city-specific policies have been unabated, and the market sentiment in hot cities has been further improved. positive effect.
But for most cities, it will still take time for the market confidence to reverse, and the market may stabilize in the second half of the year.
Xianning home purchase subsidy up to 100,000
On June 23, 6 departments including the Housing and Urban-Rural Development Bureau of Xianning jointly issued the "Notice on Promoting the Stable and Healthy Development of the Real Estate Market in Xianning City", which proposed to implement housing subsidies, increase financing and credit support, and increase housing provident fund support. 8 policy measures.
In the implementation of housing subsidies, housing subsidies will be given to buyers who purchase new commercial housing in urban areas.
The subsidy is 10,000 yuan for each set of purchases below 90 square meters (inclusive); the subsidy for each set of purchases above 90 square meters is 20,000 yuan.
An additional subsidy of 5,000 yuan per set for two-child families in line with the national fertility policy, and an additional subsidy of 10,000 yuan for each set of three-child families.
Full-time doctoral, full-time senior professional title talents, full-time master, deputy senior professional title and senior technician talents, full-time undergraduate, intermediate professional title, technician talents, full-time junior college, senior worker talents within the scope of Xianning City for the first time employment and entrepreneurship within two years , Buying new commercial housing in urban areas, giving 100,000 yuan, 60,000 yuan, 40,000 yuan, and 20,000 yuan respectively.
In terms of increasing financing and credit support, for households purchasing the first ordinary commercial housing, the down payment ratio shall not be less than 20% of the total house price, and the second or above shall not be less than 30%.
At this stage, the interest rate of commercial personal housing loans is not higher than 4.8% for the first set of housing and 5.05% for the second set of housing.
For families who own a house and settle the relevant mortgage, if they apply for a loan to buy ordinary commercial housing again, the first-home loan policy will be implemented.
In terms of increasing the support of housing provident fund, under the premise of not exceeding 80% of the total purchase price of the house purchase contract, for dual-employee families where both husband and wife make regular contributions to the housing provident fund, the upper limit of the loan amount will be increased from 500,000 yuan to 600,000 yuan; employees For the same housing, the housing provident fund is first withdrawn and then the loan business is carried out, and the original stipulation that "the sum of the withdrawal amount and the loan amount shall not exceed the upper limit of the loan amount" is cancelled; when the employees who pay the housing provident fund in this city purchase their own housing and apply for a provident fund loan or the balance is withdrawn , you can apply for a one-time withdrawal of the housing provident fund balance of parents and children (the account is reserved for 100 yuan).
For employees who have paid and deposited in different places to purchase self-occupied housing in the urban area and apply for a housing provident fund loan, the original restriction on paying the housing provident fund for 6 months in this city will be cancelled.
Intensive introduction of support policies for home purchases in many places
Recently, multiple home purchase support policies have been introduced intensively.
The Securities Times reporter learned that in addition to Xianning, Huangyan District, Taizhou City also issued a housing subsidy policy.
On June 22, the "Huangyan Publishing" official Weibo released the "Notice on the Subsidy Policy for Housing Purchases in Huangyan District in 2022", proposing that from June 20, 2022 to December 31, 2022, the purchase of 144 For newly-built commercial housing and second-hand housing under (inclusive) square meters, a housing subsidy will be given at 0.8% of the tax-calculated price of the housing transaction.
For the purchase of new commercial housing and second-hand housing of 144 square meters or more, a housing subsidy will be given at 0.4% of the taxable price of the house transaction (the range of subsidies does not include garages and parking spaces).
On the same day, the Quanzhou Housing Provident Fund Management Committee issued the "Notice on Implementing Housing Provident Fund Phased Support Policies", which proposed to reduce the loan down payment ratio. For the first time applying for a housing provident fund loan to buy the first house, the down payment ratio should be adjusted to not less than 20%. ; If you apply for a housing provident fund loan for the second time or buy a second house, the down payment ratio shall be adjusted to not less than 30%.
At the same time, the maximum loan amount for families with two or three children will be raised.
Employee families who give birth or raise two or more children apply for a housing provident fund loan and meet other loan application conditions, their housing provident fund loan amount shall be an additional 100,000 yuan on the basis of the maximum loan amount.
In addition, Qiandongnan Prefecture, Guizhou Province also issued 12 measures to stabilize real estate, among which it proposed to reduce the down payment ratio of the second set of self-housing provident fund loans.
For depositors who have settled their first housing provident fund loan and reapply for a housing provident fund loan to purchase a second set of improved housing, the minimum down payment ratio is reduced from 40% to 20%, effectively reducing their payment pressure.
At the same time, the interval between the first set and the second set of self-housing provident fund loans will be cancelled.
In addition, for employees whose husband and wife have both paid housing provident funds and apply for provident fund loans, the maximum loan amount will be increased to 600,000 yuan. to 800,000 yuan.
Chen Wenjing, market research director of the Index Division of the China Index Research Institute, believes that since June, the city-specific policies have not been reduced, and the market sentiment in hot cities has been further improved. On the upside, as the policy effect continues to emerge, this part of the urban market is expected to be the first to enter the recovery channel, and the restoration of national market sentiment will also bring positive effects.
But for most cities, it will still take time for the market confidence to reverse, and the market may stabilize in the second half of the year.