China News Service, September 26. The Office of the People's Government of Qingyang City, Gansu Province recently issued the "Implementation Opinions on Cultivating a Healthy Real Estate Market and Expanding Housing Consumption".
It mentioned that financial credit support should be strengthened.
All commercial banks shall strengthen financial credit support under the premise of strictly abiding by the macro-financial policies of the People's Bank of China and the China Banking and Insurance Regulatory Commission.
For households who have taken out a loan to buy their first home, the down payment ratio is based on the national minimum standard of 25%, with a downward adjustment of 5 percentage points
. If you apply for commercial personal housing loans or buy commercial housing, the minimum down payment ratio is not less than 30%.
According to the relevant requirements of the People's Bank of China, "personal credit assistance" shall be carried out, and personal housing loans shall be issued normally.
At the same time, it is necessary to strengthen the connection between banks and enterprises, and all commercial banks should reasonably delay the loan repayment period for distressed enterprises with good credit, renew the loan or reduce the financing cost, increase credit support, and relieve capital pressure.
The "Opinions" proposed to increase the amount of housing loans.
Provident fund management departments and commercial banks should actively explore and implement a combined provident fund and commercial loan model, increase the loan amount, and support residents in purchasing houses under the premise of compliance with laws and regulations and controllable risks.
If a single employee applies for a provident fund loan, the maximum loan amount will be increased from 400,000 yuan to 500,000 yuan; if a dual-employee family applies for a provident fund loan, the maximum loan amount will be increased from 500,000 yuan to 600,000 yuan.
At the same time, the preferential interest rate for home buyers or individuals will be increased, and various commercial banks will reasonably determine the preferential interest rate based on the borrower's credit status and repayment ability.
The "Opinions" show that reasonable housing needs are met.
For the purchase of ordinary commercial housing in Qingyang , the policy of "no purchase limit and no
price
limit" has been fully implemented, and the restrictions on the number of units purchased and household registration requirements for the purchase of new commercial housing by residents have been lifted
. Consumer demand.
Actively hold commercial housing exhibitions and sales activities, encourage and guide social groups and various enterprises to carry out group purchase activities, increase housing sales, and enjoy group purchase discounts.
For urban low-income or living difficulties families, priority should be given to affordable housing, public rental housing, etc., to provide bottom-up guarantees and preferential support.
The "Opinions" also proposed to implement preferential fiscal and tax policies.
In order to encourage citizens to buy houses, attract the population into the city, and expand domestic demand for housing, the tax rate of 1% shall be reduced for individuals who purchase the only house in the family (family members include the purchaser, spouse and minor children) with an area of 90 square meters and below. Deed tax is levied; for an area of 90 square meters or more, deed tax is levied at a reduced rate of 1.5%.
For individuals purchasing a second set of improved housing for a family with an area of 90 square meters or less, the deed tax will be levied at a reduced rate of 1%; if the area is over 90 square meters, the deed tax will be levied at a reduced rate of 2%.
Under the premise of policy permission and financial affordability, teachers and medical and health personnel working in towns and villages outside the urban planning area will be given a housing subsidy of 20,000 yuan per household to purchase commercial housing in Xifeng District.
(Zhongxin Finance)