Recently, many places continue to introduce house purchase support policies.
On April 15, Yichang City, Hubei Province issued the notice on further promoting the virtuous circle and healthy development of the real estate market, which involves 9 measures such as relaxing loan restrictions, canceling sales restrictions and issuing down payment subsidy vouchers for house purchase.
On the same day, Hubei Jingmen issued the notice on adjusting and optimizing the payment and use policy of housing provident fund, which cancelled a number of provident fund loan restrictions and increased the amount of talent loans.
Insiders interviewed by the securities times believe that the policies of Yichang and Jingmen can not be separated from the conventional policy scope of such low-energy cities. The national restrictions on low-energy cities are not a big problem as long as they do not break through the bottom line of the national differentiated housing credit policy and adjust within the government's own scope. However, because the inventory of such cities is very large, these policies have limited effect on the local property market.
In addition, recently, Zhengzhou also proposed to give postdoctoral resettlement subsidies of up to 300000 yuan; Dongguan solicited opinions on the operation and management of "three limited houses"p align="center" style="text-align:left;"> Yichang relaxes loan restrictions and cancels sales restrictions
On September 15, the reporter of Yichang times released a notice on the healthy development of Yichang's securities market, including the release of "Yichang government's measures to promote the healthy development of Yichang's securities market".
The new deal proposes that the down payment ratio of the first house loan shall not be less than 20%, and the down payment ratio of the second house loan shall not be less than 30%; For families who own a house and have settled the corresponding house purchase loans, if they apply for loans again to buy ordinary commercial houses in order to improve their living conditions, banking financial institutions shall implement the first house loan policy. At the same time, the housing provident fund loan only recognizes the housing provident fund loan record when implementing the "house and loan recognition" standard.
This means that Yichang's loan restriction policy is relaxed.
The new deal also makes it clear that the listing and trading of newly-built commercial housing online signing will no longer be restricted within two years, so as to promote a virtuous circle in the primary and secondary market of commercial housing.
This means that Yichang has cancelled the two-year sales policy of new houses.
In addition, the new deal also proposes that doctoral, master's and undergraduate graduates who have been employed for the first time in Yichang (including returning home to start a business) for two years will purchase talent houses in Yichang City, and those who meet the conditions will be issued with 100000 yuan, 60000 yuan and 50000 yuan down payment subsidies at one timep align="center" style="text-align:left;"> Jingmen optimized provident fund loan policy
On April 14, the notice on adjusting and optimizing the payment and use policy of housing provident fund issued by the official wechat of Jingmen housing provident fund center proposed to cancel the withdrawal restriction of housing purchase (construction), cancel the restriction of "one out of two loan", cancel the restriction of loan handling for employees in different places, and increase the amount of talent loan at the same time. The policy will be implemented from April 20.
The details are as follows:
1. Cancel the withdrawal restriction of house purchase (construction).
Employees and their spouses can apply to withdraw the housing accumulation fund under their own names and their spouses within one year. The total withdrawal amount shall not exceed the total amount of purchased (built) houses. After withdrawal, the minimum balance of individual housing accumulation fund account shall be retained for 100 yuan.
2. Cancel the restriction of "one of two choices for loan".
After withdrawing the housing provident fund from the newly purchased (built) self occupied housing, employees can still apply for personal loans from the housing provident fund, and the withdrawal amount plus the loan amount shall not exceed the total amount of purchased (built) housing.
3. Cancel the restrictions on loan processing for employees in other places.
If an employee who pays deposits from other places buys a house in this city, he or she can apply to our center for a personal loan of housing provident fund and enjoy the same loan amount and service life policy as the employees who pay deposits in this city.
4. Increase the loan amount for talents.
For high-level talents with "Chucai card" a and B cards who deposit the housing provident fund in our city, they can apply for the personal loan of housing provident fund from the next month after depositing the housing provident fund. When purchasing the first self occupied house in our city, the upper limit of the loan shall be 3 times and 2 times of the current maximum loan amount respectivelyp align="center" style="text-align:left;"> multi place house purchase support policies continued to be issued
In an interview with the securities times, Li Yujia, chief researcher of Guangdong housing policy research center, said that the policies of Yichang and Jingmen can not be separated from the conventional policy areas of such low-energy cities, including reducing the down payment ratio for the first and second houses, not recognizing the loan for housing, loosening the restrictions on provident fund loans Talent purchase subsidies and so on.
"I think the state has little problem with low-energy cities as long as it does not break through the bottom line of the national differentiated housing credit policy and adjust it within the scope of the government itself." Li Yujia told the securities times that, however, these policies do not play a very important role in the local property market, because the inventory of such cities is very large, and returning home can bring certain demand. However, on the whole, the strength of promoting the recovery of the demand for the property market is not particularly obvious, and the follow-up depends on the improvement of the whole fundamentals.
In addition to the deregulation policies of Yichang and Jingmen, recently, Zhengzhou has also given support policies to young people's house purchase, especially the resettlement subsidy of up to 300000 yuan for postdoctors.
On April 15, at the press conference of Zhengzhou Youth Innovation and entrepreneurship action, 10 "new policies for young talents" were launched, in which it was proposed to pay living subsidies to postdoctors who are engaged in postdoctoral research in post doctoral stations in Zhengzhou and who are introduced or left by enterprises in Zhengzhou Resettlement subsidy (living subsidy of 1 Ping An Bank Co.Ltd(000001) 50000 yuan per person per year during the station, with a subsidy period of 2 years. For postdoctors introduced by enterprises in Zhengzhou or left the station to work in enterprises, resettlement subsidy of 20 Fawer Automotive Parts Limited Company(000030) 0000 yuan will be given).
At the same time, Zhengzhou also implemented the youth talent housing project and built 400000 talent apartments. At present, about 120000 talent apartments have been raised by Invigorating the stock of houses, and another 80000 will be raised this year. Zhengzhou will make comprehensive use of youth talent post stations, talent apartments, jointly owned houses and subsidies for first-time house purchase to provide secure housing for young talents.
In addition, on April 14, Dongguan housing and Urban Rural Development Bureau issued an announcement on Soliciting Opinions on the implementation rules for the operation and management of three limited housing in Dongguan (Draft for comments). The contents include: a family can only buy one set of three limited houses; The property rights of three restricted houses held by the purchaser shall implement the sales restriction policy of market-oriented commercial houses. If the purchaser of three restricted houses obtains the real estate property right certificate and has not reached the sales restriction period, it is not allowed to transfer its share of property rights; If the offtaker obtains the real estate property right certificate of three restricted houses and reaches the sales restriction period, it is allowed to transfer all the property right shares it holds at one time; After obtaining the real estate ownership certificate for 5 years and entering the house for 3 years, you can buy the government held shares at a one-time discount of 20% of the evaluation price.
