Chinanews.com, December 31. The Zhengzhou Housing Security and Real Estate Administration Bureau issued the "Relevant Policies Supporting the Steady and Healthy Development of the Real Estate Market" on December 30.

  The first is to moderately adjust the purchase restriction area.

According to the relevant real estate policies issued by the state, combined with the actual supply and demand of Zhengzhou's real estate market, moderately adjust the purchase restriction areas in Zhengzhou, better meet the reasonable housing needs of residents, and further promote the virtuous cycle and healthy development of Zhengzhou's real estate industry.

  The second is to support group buying of commercial housing on sale.

Support emerging industry units, scientific research institutions, industrial parks, colleges and universities, enterprises and institutions, and other units to collectively buy commodity housing to solve the housing problem for employees.

Group-buying houses must be existing or quasi-existing houses with complete "five certificates" (completed and delivered within one year). There are different degrees of benefits in terms of down payment ratio, deed tax subsidies, provident fund loans, etc., and real estate development companies are encouraged to give more preferential treatment.

  The third is to ensure the same treatment for new citizens and residents of metropolitan areas when buying houses.

For college students, new citizens who come to Zheng for employment, and residents of other cities in the "1+8" Zhengzhou metropolitan area to buy houses in Zhengzhou, they can enjoy the same treatment as original residents in terms of house purchase qualification review, credit policies, deed tax subsidies, and preferential housing prices.

  The fourth is to expand the effective demand for housing.

Support government platform companies to repurchase stock commodity housing of difficult-to-develop enterprises for use as rental housing, affordable rental housing, talent apartments, and resettlement housing for the masses.

  The fifth is to promote both rental and purchase.

Convert stock housing into rental housing by means of reconstruction and revitalization of stock, and at the same time support housing provident fund depositors to withdraw provident fund for rental housing, and promote "same rights for renting and purchasing".

  The sixth is to implement preferential tax policies for house purchases.

For those who meet the requirements, the preferential policies for deed tax on individual purchase of housing and individual income tax on exchange for housing shall be implemented in accordance with regulations.

From October 1, 2022 to December 31, 2023, for those who repurchase a house within one year after selling their own house, they will be given a tax refund for the personal income tax paid on the sale of their current house.

  The seventh is to carry out housing subsidies.

All development zones, districts and counties (cities) may, according to the actual situation, provide housing subsidies to residents who purchase housing within a certain period of time.

  The eighth is to optimize the financial services for new citizens to buy houses.

Support banking financial institutions in implementing differentiated housing credit policies, rationally determine the minimum down payment ratio and minimum loan interest rate for commercial personal housing loans for new citizens, encourage the reduction of housing loan interest rates, and increase loan issuance.

  Ninth, reduce the credit burden of house purchase.

Encourage banking financial institutions in Zhengzhou to implement the lower limit of the loan interest rate policy for the purchase of houses by residents in Zhengzhou, improve the efficiency of personal mortgage loan issuance, and support rigid and improved housing needs.

Residents who lost their jobs due to the epidemic and suffered a serious reduction in income will have to postpone the repayment of home purchase loans for more than half a year.

  The tenth is to implement the policy of "recognizing the loan but not the house".

For households that have paid off the corresponding home purchase loans and apply for loans again to purchase commercial housing in order to improve their living conditions, banking financial institutions will implement the first-home loan policy.

If one set of housing loans has not been settled and one applies for a loan to purchase commercial housing again, the loan policy for the second set of housing will be implemented.

  The eleventh is to optimize the criteria for identifying second-home loans.

For families with two or more children with underage children, elderly people who rely on pension families, and those who buy a new house, the second-home loan policy will be implemented.

Families who work or live in Zheng and buy a house for the first time in Zheng will not be affected by existing housing loans in other places, and the first-home loan policy will be implemented.

For those who buy a house for the first time in Zhengzhou due to their parents' pension, the first-home loan policy will be implemented.

  Twelve is to increase housing provident fund support.

Increase the maximum amount of provident fund loans, optimize loan conditions, and improve service efficiency.

Support the development of combined loan business combining provident fund loans and commercial bank loans.

Implement the "1+8" mutual recognition business of provident fund in the Zhengzhou metropolitan area, and realize mutual recognition and mutual lending of provident fund loans in the metropolitan area.

(China New Finance and Economics)