China, a brokerage company, noticed that Liuyang City, Hunan Province, Cheng 'an County, Hebei Province, Hangzhou City, Zhejiang Province, Lishui City, Taizhou City, Guizhou Province, Fenggang County and other places have issued new policies on the property market and adopted various measures to support the virtuous circle and healthy development of the real estate industry.
Liuyang, Hunan Province: Full refund of deed tax and limited payment of housing subsidies.
According to the official account of "Liuyang Housing and Construction" WeChat, on September 9, Liuyang Housing and Urban-Rural Development Bureau, Liuyang Natural Resources Bureau and Liuyang Finance Bureau jointly issued "Several Measures for Liuyang City to Promote the Stable and Healthy Development of the Real Estate Market". There are eight measures in the "Measures": issuing housing subsidies within a limited time; Support the orderly demolition of non-residential buildings; Adjust the payment ratio and time limit of land transfer price; Adjust the payment node of urban infrastructure supporting fees; Strengthen the real estate credit support of financial institutions; Strengthen the supervision of pre-sale funds of commercial housing; Standardize the behavior of the real estate market; Encourage housing enterprises to formulate their own profit-making policies.
In terms of limited payment of housing subsidies, from September 10, 2022 to February 28, 2023, new commercial housing was purchased in the administrative area of Liuyang, and housing subsidies were paid at 100% of the actual deed tax, and the online signing of commercial housing contracts and the payment registration of deed tax and property maintenance fund were completed. Buyers who cancel the online signing of commercial housing contracts and have been accepted by developers to cancel the online signing business will not enjoy this subsidy policy if they sign the same room number again.
Cheng 'an County, Hebei Province: Talents who purchase commercial housing for their own use are not subject to policy restrictions, with a maximum subsidy of 80,000 yuan.
According to the official account of "Entering Cheng 'an" WeChat on September 8, Cheng 'an County, Handan City, Hebei Province issued "Ten Policy Measures on Supporting the Healthy Development of the Real Estate Industry".
This measure proposes to fully guarantee the reasonable housing demand of imported talents. The introduced high-level talents come to Cheng 'an County to start businesses and buy commercial housing for their own use, which is not restricted by the housing policy. The housing registration department gives priority to housing registration and solves the problem of rent-free apartment housing for experts, giving 80 thousand yuan to doctors and 50 thousand yuan to masters respectively. Those who apply for public rental housing are not subject to conditions such as income, years of social security and years of residence permit.
The "Measures" also mentioned that during the epidemic prevention and control period, real estate development enterprises were actively encouraged to build a trading platform with real estate brokerage agencies, and houses sold online were clearly marked and publicized with "one room, one price", providing services such as online remote house viewing and inquiry negotiation for buyers, and adopting electronic signature technology to implement online signing of house sales contracts to provide convenience for buyers. For real estate agents with better sales of first-hand houses, the government will give subsidies such as rent, water and electricity, and the implementation time limit is tentatively set at the end of 2022.
Personal housing and consumer loans affected by the epidemic have been postponed to repay the principal and interest. For deferred loans, adhere to the substantive risk judgment, do not downgrade the loan risk classification solely due to epidemic factors, do not affect the credit record, and waive the penalty interest. Enterprises affected by the epidemic can apply for deferred payment of housing provident fund in accordance with the regulations, and pay it back after the expiration. During this period, the paid employees will normally withdraw and apply for housing provident fund loans, which will not be affected by deferred payment. The implementation time limit is tentatively set at the end of 2022. If the depositor affected by the epidemic cannot repay the housing provident fund loan normally, it is not overdue and is not submitted to the credit information department as an overdue record.
Hangzhou, Zhejiang: There are new policies in Lin 'an, Chun 'an and Jiande.
In Hangzhou, Zhejiang Province, Lin 'an District, Chun 'an County and jiande city have recently introduced a new property market policy.
On September 10, "Lin 'an released" the official account of WeChat, and Lin 'an District, Hangzhou, Zhejiang Province released "Opinions on the Healthy and Orderly Development of the Real Estate Market" (hereinafter referred to as "Opinions"). In order to support the just-needed and improved housing demand, from September 15, 2022 to March 14, 2023 (subject to the online signing time), new commercial housing with a total price of no more than 3 million yuan will be built in Lin 'an, and subsidies will be given according to 0.5% of the total housing price of 65,438+,and subsidies will be given to buyers after real estate registration.
In terms of encouraging imminent employment, the opinion pointed out that for ordinary college graduates who started their business in Lin 'an from September 15, 2022 to March 14, 2023 and bought ordinary commercial housing for the first time, they should be guaranteed according to the "choice". Courtesy talents "Several Opinions" give certain housing subsidies.
In terms of strengthening service guarantee, the opinions are clear. If a commercial house (auction house, including the one that has been purchased before) is purchased within the scope of Lin 'an District, the guardians of school-age students who entered school in the autumn of 2023 can enjoy the enrollment policy of pre-school education and compulsory education public schools in Lin 'an District with the certificate of immovable property rights.
According to the official account of WeChat released by Chun 'an, on September 9, Chun 'an County, Zhejiang Province launched 10 "dry goods" from housing subsidies, improving financial support policies and optimizing urban layout to promote the healthy development of the real estate market in Chun 'an County. Specifically, the subsidy policy includes deed tax subsidy for house purchase, consumption subsidy for house purchase, support for rigid house purchase demand, support for improved house purchase demand, support for young people to buy houses, attract foreigners to settle down, organize group purchase concessions and so on.
For example, the purchase of new commercial housing in Chun 'an County is subsidized according to the amount of deed tax of 80%. The amount of subsidy is limited to the local retained part of the deed tax actually paid, and the maximum subsidy for a single set does not exceed 30,000 yuan. Those who buy the first set of newly-built commercial housing in Chun 'an County will be subsidized according to 300 yuan/square meter, and the maximum subsidy for a single set will not exceed 50,000 yuan. For graduates with bachelor's degree or above who come to Chun 'an for employment and entrepreneurship (social security of this county is required), Chun 'an County gives 200 yuan /m2 a housing subsidy for the first time, with a maximum subsidy of 20,000 yuan.
In addition, the policy also mentioned that on the basis of real estate, housing enterprises give preferential treatment to new commercial housing purchased in the "mobile housing pool", and the group purchase of 5 sets or more will be reduced by 2%; 10 sets and above 3%; Group purchase of more than 20 sets will drop by 4%; Group purchase of more than 50 sets will be reduced by 5%.
On September 8th, jiande city issued the Notice on Promoting the Stable and Healthy Development of Hangzhou Real Estate Market. For non-Jiande household registration to buy new commercial housing, a one-time housing subsidy of 20,000 yuan/set will be given. For the purchase of new commercial housing in this city, and the permanent population of jiande city, it meets the requirements of family groups with two or three children. For families with two children, a housing subsidy of 1% is given (two children were born after 2065438+65438 in 2006+1 0/); Families with three children are given a subsidy of 3% of the purchase price (the three children were born after May 20021and 3 1). The maximum subsidy for a single set shall not exceed 50,000 yuan.
After February 1 in 2022, those who have been employed in jiande city and paid the social insurance for enterprise employees continuously for more than 2 months (excluding the overdue payment), signed a labor contract with enterprises for more than 8 years, and bought new commercial housing in jiande city for the first time will be given a one-time housing subsidy. The unit continues to pay social insurance 1 year, and the subsidy is 1 ten thousand yuan, increasing by 1 year.
Lishui, Zhejiang: The maximum amount of provident fund loans is raised from 700,000 yuan to 800,000 yuan.
According to the official account of "Lishui Online" WeChat in WeChat official account on September 9, Lishui City, Zhejiang Province recently issued a continuation policy to promote the stable and healthy development of the real estate market in Lishui City. The policy mentioned that the renovation of dilapidated houses, historical blocks and shanty towns should be accelerated to eliminate the hidden dangers of people's housing safety.
At the same time, increase the maximum amount of employee housing provident fund loans. If an employee applies for a housing provident fund loan for the first time to purchase the first set of self-occupied housing, the maximum amount of double-paid employees will be adjusted from 700,000 yuan to 800,000 yuan; The maximum amount of a single deposit of employees is raised from 350,000 yuan to 400,000 yuan. If an employee applies for a housing provident fund loan for the second time or buys a second set of self-occupied housing, the maximum amount of double-paid employees will be raised from 500,000 yuan to 600,000 yuan; The maximum amount of a single deposit of employees is raised from 250,000 yuan to 300,000 yuan.
Cancel the time interval limit for re-lending after the first housing provident fund loan is settled, and families who have paid employees may not apply for housing provident fund loans for three times or more.
The policy also mentioned that it is necessary to earnestly safeguard the legitimate rights and interests of buyers and ensure the completion and acceptance of the sold properties. It is reported that in July this year, Lishui set up a special class to help enterprises get out of trouble and ensure the delivery of buildings. After the establishment of the special class, the problems encountered in the first registration of the property right certificate of Shimao Huihuang Lanyuan Project were solved, and the projects that stopped work and lacked funds were urged and helped to ensure the delivery of buildings without major risks.
Taizhou, Jiangsu: Adjusting the down payment ratio of housing provident fund loans
"Taizhou Release" WeChat official account September 10. Seven departments, including Taizhou Housing and Construction Bureau and Finance Bureau of Jiangsu Province, jointly issued the Notice on Further Releasing Consumption Potential and Promoting the Healthy Development of Urban Real Estate Market (hereinafter referred to as the Notice), with ten measures, which will be implemented on September 9.
The "Notice" clarifies that the down payment ratio of housing provident fund loans should be adjusted, and the down payment ratio for the first and second applications for housing provident fund loans should be adjusted to 20% and 30% respectively. Adjust the maximum loan amount of housing provident fund, and adjust the maximum loan amount of housing provident fund for dual employees for the first time and the second time to 6,543,800,000 yuan and 800,000 yuan respectively; The maximum amount of individual employees' first and second housing provident fund loans was adjusted to 500,000 yuan and 400,000 yuan respectively. For Taizhou registered families with two or three children (all children are under the age of 18 when buying a house), the maximum amount of housing provident fund loans for dual-employee and single-employee is adjusted to 1 10,000 yuan and 500,000 yuan respectively.
For Taizhou registered families with two or three children (all children are under the age of 18 at the time of purchase), as well as retired servicemen and active servicemen who purchase commercial housing (including second-hand commercial housing) in urban areas, a certain percentage of preferential treatment will be given according to the actual deed tax. At the same time, development enterprises are encouraged to give priority to the purchase of active servicemen who have won Class III, Class II, Class I and honorary titles. In addition, 20,000 yuan purchase vouchers will be issued to those who meet the housing subsidy conditions in Article 2 of the "Six Policies of Taizhou to Accelerate Talent Gathering and Boost the Industry to Strengthen the City".
In order to reduce the transaction cost of stock houses and promote the linkage between new houses and second-hand houses, individuals are subsidized to transfer houses and their ancillary facilities and pay land value-added tax. The subsidy standard is half of the amount of land value-added tax actually paid.
The notice also said that in order to further stimulate the potential kinetic energy of the market, measures were taken to try out the "house ticket" resettlement method for housing expropriation compensation, optimize the pace of land supply and transfer conditions, standardize the behavior of real estate brokers, and promote the construction of high-quality housing. At the same time, deepen the reform of "simplifying administration and decentralization, strengthening supervision and improving services" in the real estate field, and allow development enterprises that have completed 50% down payment to carry out preliminary work through the approval commitment system; If the land use right of the development enterprise has been mortgaged, and the mortgage of the land use right corresponding to the commercial house is released with the written consent of the mortgagee, the pre-sale permit of the commercial house, online signing for filing, first registration, transfer registration and other matters can be handled.
Fenggang, Guizhou: It is allowed to withdraw the provident fund to pay the down payment.
On September 7, Fenggang County, Zunyi City, Guizhou Province issued the Notice of the Office of the County People's Government on Printing and Distributing Policies and Measures to Support the Stable and Healthy Development of the Real Estate Market in Fenggang County (for Trial Implementation), including ten measures such as rationally arranging land supply, increasing credit and financial support, increasing housing provident fund policy support, standardizing the supervision of pre-sale funds of commercial housing, and increasing the resolution of problem real estate.
According to the Notice, Fenggang County requires financial institutions to implement the 20% down payment policy for the first home loan. For families who have 1 apartment and have settled the purchase price, apply for a loan to buy a house again and implement the first home loan policy. The loan term that meets the loan granting conditions shall not exceed 15 days. For the buyers affected by the epidemic, the repayment plan will be flexibly adjusted by reasonably delaying the repayment time, extending the loan period and delaying the repayment of the principal.
According to this document, buyers who pay deed tax and register their real estate property rights from July 1 day to February 3 1 day, 2022 will receive 50% of the government's deed tax. The coupons can be used within half a year after they are obtained, and can be used for decoration, home building materials, furniture, home appliances, tourism and catering consumption.
The document proposes to further increase credit and financial support. Reduce the access conditions for provident fund loans. After a real estate development project obtains a pre-sale permit for commercial housing, you can apply for a provident fund loan if the image progress of the main structure of the real estate residence reaches 70% or more.
Fenggang county will also reduce the minimum down payment ratio of second-home provident fund loans. From July 1 2022 to June 30, 2023, the minimum down payment ratio will be reduced from 30% to 20% if the employees' families apply for housing provident fund by purchasing a second set of personal housing loans with their own houses; Cancel the restriction that the interval between two housing provident fund loans must be 12 months or more. At the same time, we will carry out discount loans for provident funds, relax the application conditions for loans in different places in the province, and support the "refinancing" of provident funds.
If employees purchase houses from July 1 2022 to June 30, 2023, and their housing provident fund loans are issued during the above-mentioned period, during the above-mentioned period, employees and their spouses may apply for withdrawal of housing provident fund after paying the down payment of the same house with the approval of housing provident fund loans, and the accumulated withdrawal amount of the same house shall not exceed the down payment of house purchase.
In addition, the document proposes to strengthen the organization and leadership over the disposal of stability-related risks in the real estate sector, explore the "source governance" method to solve real estate problems, and focus on solving social and people's livelihood problems.