In March 4th, according to the official account of WeChat public fund of Tangshan, to promote the steady and healthy development of the real estate market, to meet the needs of staff rigidity and improve housing demand, the real cost of housing purchase was substantially reduced. The Tangshan provident fund center raised the highest loan limit and reduced the down payment ratio of two suites.
If an employee purchases a second self occupied house, the minimum down payment ratio shall be adjusted from no less than 60% to no less than 30%.
Tangshan second house down payment ratio reduced to 30%
In terms of increasing the maximum amount of loans, Tangshan provident fund center pointed out that the maximum amount of individual housing loans paid by single and double employees' family housing provident fund was adjusted from Shanghai Pudong Development Bank Co.Ltd(600000) yuan to 800000 yuan. For the purchase of new passive ultra-low energy consumption self occupied houses with two-star or above green building standards, the loan amount will rise by 20%, and the maximum loan amount will be 960000 yuan. The maximum loan limit for Tangshan Phoenix talents is 1 million yuan. For the high-end innovative talents introduced into Caofeidian area of China (Hebei) pilot Free Trade Zone, the maximum loan amount is implemented in accordance with the original policy, and the maximum loan amount is 1.2 million yuan.
In terms of reducing the down payment ratio of the second set, Tangshan stipulates that if employees buy the second set of self occupied housing, the minimum down payment ratio shall be adjusted from no less than 60% to no less than 30%, and the loan interest rate shall be 1.1 times of the personal loan interest rate of the first set of housing provident fund announced by the people's Bank of China in the same period. For the purchase of the first self occupied house, the down payment ratio of no less than 30% shall still be implemented. This adjustment will be implemented from March 15, 2022.
According to the data of the National Bureau of statistics, in January 2021, the sales price of new commercial houses in Tangshan increased by 0.7% month on month and decreased by 1% year-on-year. Second hand housing prices were flat month on month, down 1.7% year-on-year.
Nanchang raised the maximum amount of provident fund loans
In March 4th, the official account of WeChat provident fund of Nanchang provident fund, Nanchang housing provident fund management center issued the notice on optimizing the use policy of housing provident fund. The notice made it clear that the maximum amount of double deposit employee provident fund loan was adjusted to 800000 yuan, and the single deposit employee provident fund loan was 700000 yuan, and the current rental withdrawal amount was increased to 1500 yuan per month.
In terms of increasing the amount of rental withdrawal, the current amount of rental withdrawal in Nanchang City (1200 yuan per month in urban areas, 1000 yuan per month in Nanchang County, Jinxian county and Anyi county) was uniformly adjusted to 1500 yuan per month, and the single employees were halved. Since March 7, 2022 (inclusive), employees who have handled the annual rental withdrawal business in 2022 can make up the difference.
In terms of increasing the maximum amount of loans, Nanchang has uniformly increased the current maximum amount of housing provident fund loans ( Shanghai Pudong Development Bank Co.Ltd(600000) yuan for double deposit employees and 500000 yuan for single deposit employees in urban areas, 500000 yuan for double deposit employees and 400000 yuan for single deposit employees in Nanchang County, 400000 yuan for double deposit employees and 300000 yuan for single deposit employees in Jinxian county and Anyi county) to 800000 yuan for double deposit employees The employee paid 700000 yuan in the form.
real estate market or gradually stabilized
According to incomplete statistics by the reporter of China Securities Journal, up to now, many cities such as Nanchang in Jiangxi, Xuancheng in Anhui, Dazhou in Sichuan, Dongguan in Guangdong, Zhongshan in Guangdong, Xinxiang in Henan, Quzhou in Zhejiang, Jinzhong in Shanxi and Tianmen in Hubei have raised the loan amount of housing provident fund.
According to the statistics of Zhongyuan Real Estate Research Institute, in the first two months of this year, all localities have introduced real estate related regulation and control measures more than 100 times. It involves reducing the down payment ratio, reducing the mortgage interest rate, accelerating the pace of lending, giving house purchase subsidies, etc., so as to promote the virtuous circle and healthy development of the real estate industry.
Brokerage research report pointed out that since 2022, the relaxation of real estate demand side can be divided into "two stages" and "three aspects". The first stage is from the beginning of this year to mid February, focusing on provident fund, house purchase subsidies and talent policies. The second stage, from February 17 to now, mainly includes three aspects: first, the proportion of down payment for the first set in non restricted cities has been reduced, including Heze and Ganzhou; Second, reduce the mortgage interest rate, including Guangzhou, Suzhou, Nanjing, Hangzhou and Shenzhen; Third, accelerate the pace of mortgage lending, including Hangzhou and Chengdu.
Zhang Dawei, chief analyst of Zhongyuan Real estate, believes that since 2022, real estate regulation policies have been released frequently. So far, nearly 20 cities have issued policies to reduce down payment with different contents. The most typical policy contents are loose provident fund policy, talent subsidy and house purchase subsidy. It is expected that "housing without speculation" is still the policy tone of real estate regulation, and the real estate market may gradually stabilize due to urban policies.
