Meizhou City: Reduce the down payment ratio of the second suite
On May 1, seven departments, including the Housing and Urban-Rural Development Bureau of Meizhou City, Guangdong Province, issued the Notice on Several Measures to Promote the Stable and Healthy Development of the Real Estate Market in Our City (hereinafter referred to as the "Measures"), pointing out that our city has formulated six measures to promote the virtuous circle and healthy development of the real estate industry, including improving financial services in the housing sector, adjusting the proportion of provident fund loans, and strengthening the supervision of the real estate sales market.
In terms of improving financial services in the housing sector, measures are proposed to speed up the examination and approval procedures for the undistributed part of existing mortgage loans, increase the credit line, and ensure the timely issuance of loans that meet the loan conditions. The down payment ratio of commercial personal housing loans for households to purchase ordinary housing for the first time is not less than 25%; For households that own 1 apartment and the corresponding housing loans are not settled, the down payment ratio for re-applying for commercial personal housing loans to improve their living conditions shall not be less than 30%; Reasonably determine the interest rate level of individual housing loans and actively promote the downward adjustment of mortgage interest rates.
At the same time, in terms of adjusting the proportion of provident fund loans, the "Measures" clarify that the down payment ratio of second-home provident fund loans will be reduced from the current 30% to 20%; According to the "Standards for Talent Levels and Categories of Talent Apartments in Meizhou City", if you purchase the first set of self-occupied housing and apply for housing provident fund loans, the loan amount of talents at different levels will rise by 20%, reaching 1 times. At the same time, the loan amount is not limited by the balance of the individual housing provident fund account.
In terms of strengthening the supervision of the real estate sales market, the Measures pointed out that the advance payment can be appropriately increased by 1 to 2 times, and the payment of special maintenance funds for houses can be postponed for up to 6 months, so as to guide housing enterprises to take the initiative to assume social responsibilities, such as introducing preferential policies for buying houses for specific social groups such as high-level talents, epidemic-related personnel and families with three children.
Wuxi: The exemption period of individual housing transfer value-added tax is changed from 5 years to 2 years.
Coincidentally, on May 1, the Housing and Urban-Rural Development Bureau of Wuxi City, Jiangsu Province and the Taxation Bureau of Wuxi City, State Taxation Administration of The People's Republic of China jointly issued the Notice on Adjusting the VAT Exemption Period of Individual Housing Transfer, which clarified that the tax exemption period of individual housing transfer in Wuxi City was adjusted from 5 years to 2 years.
On May 2, the official account of WeChat, Jiangxi Real Estate Association WeChat, also announced that the second "Red May" real estate consumption season and online real estate fair in Ganzhou will be launched from May 1 day to May 3 1 day. At the launching ceremony, representatives of financial institutions and the relevant person in charge of Ganzhou Branch of China Construction Bank said that the interest rate of the first home loan was lowered to 5.2% from May 1, the interest rate of the second home loan was lowered to 5.35%, and the down payment ratio was adjusted to the minimum ratio stipulated by national policies; At the same time, the age of buying a house will be relaxed to 70 years, and the age of second-hand houses will be adjusted to a maximum of 35 years.