For the first time, the Opinions consider the transitional housing problem of urban low-income groups, allow all localities to build or purchase policy-based rental housing in various forms, and help the relocated households, new employees and other urban low-income groups who cannot afford to buy commercial housing to solve the problem of transitional housing demand.
The "Several Opinions" clarify that the housing difficulties of 70,000 urban low-income families who meet the conditions of low-rent housing in Guangdong will be basically solved by 2065, with 438+065,438+0.
Provident fund loan limit 1 month.
Compared with the national policy, Guangdong province has further played the role of provident fund loan policy in promoting housing consumption. The "Several Opinions" not only clarify that all localities can raise the upper limit of provident fund loans and extend the loan period, but also clarify for the first time that employees' immediate family members (parents and children) can apply for the withdrawal of employee housing provident fund when purchasing ordinary housing for the first time.
In addition, the relevant departments are also required to simplify the procedures for provident fund loans and make it clear that the procedures will be completed within 1 month. Previously, many developers were unwilling to cooperate with buyers to apply for provident fund loans because of the slow approval procedures of provident fund, which affected the utilization rate of provident fund to some extent.
It is worth noting that Guangdong has also relaxed the restrictions on Hong Kong, Macao and Taiwan residents buying houses in Guangdong, which will undoubtedly promote the sales of real estate markets in Shenzhen and Zhuhai.
Land premium can be extended for up to 2 years.
The new policy provides a solution especially for real estate development enterprises facing financial difficulties. In view of the phenomenon that some developers fail to pay the land transfer price on time, it is clear that the payment period can be appropriately extended, and the extension time should not exceed 2 years in principle. In addition, Guangdong also allows developers to pay land value-added tax in installments.
Interpretation of focus measurement (1)
Keywords second suite
In some cases, buying a second suite is also a discount.
Article 4 of the New Deal: While implementing the preferential policies of the first loan for residents to purchase ordinary self-occupied housing and enjoying the loan interest rate and down payment ratio, residents who have already purchased 1 house by loan, but the per capita housing area is lower than the local average level, can apply for the first loan to purchase a second set of ordinary self-occupied housing in order to improve their living conditions.
Interpretation: In this regard, many banks in Guangzhou, such as Agricultural Bank of China and ICBC, said that the "per capita housing area" will be based on the figures published by the Statistics Bureau. According to the statistical bulletin of Guangzhou's national economic and social development in 2007 released by Guangzhou Municipal Bureau of Statistics at the end of March last year, the per capita living area of urban residents in Guangzhou reached 19.9 square meters at the end of 2007.
Although the standards are clear, banks still have some difficulties in actual handling. Red tape has also made this policy almost a painting cake. Our reporter conducted a special investigation in Dongguan. If local citizens want to get the certificate that "the living area is below the per capita level", they must provide a list of family members provided by the loan bank and confirmed by it. The staff of the Housing Authority rely on the real estate property registration information system to inquire about the housing area registered under the names of borrowers and their family members, and issue a certificate of inquiry about the housing property registration information. Although citizens who have real estate in Dongguan can inquire, not many people go to apply for a permit, and 300 pieces have been handled in one year.
Keywords stock mortgage
Call on the old house slaves to lower interest rates.
Article 5 of the New Deal: For the outstanding part of commercial personal housing loans issued before June 27, 2008, high-quality customers who purchase ordinary self-occupied housing and improved housing for the first time and have no bad credit records can, in principle, apply for the implementation of the current preferential interest rate policy for loans.
Interpretation: Simply put, the above content is the "stock mortgage" that has attracted much attention. It is understood that at present, commercial banks have begun to implement this policy, but it is not "accepted in full" as old customers hope, but screened through "additional conditions". For example, Industrial and Commercial Bank of China, Agricultural Bank of China, and loan quotas are all limited. ICBC said that only before the application date, the loan balance is still more than 200,000 yuan to be eligible to apply. Agricultural Bank of China requires a total loan of more than 300,000 yuan. SDB requires that customers who have obtained real estate licenses are eligible to apply for mortgage concessions.
Keywords common reserve fund
Provident fund loan interest rate is also 30% off?
Article 6 of the New Deal: The issuance of housing provident fund loans in various places shall be implemented with reference to the provisions in items (4) and (5) above.
Interpretation: Does Article 6 mean that provident fund loans can also enjoy a 30% interest rate in the future? Relevant persons from the Housing Security and Provident Fund Supervision and Management Office of the Provincial Construction Department explained that whether or not the interest rate of provident fund loans in mainland cities in the province enjoys preferential treatment and how much preferential treatment they enjoy depends on the specific conditions of each place. The term "execution by reference" in Article 6 means that it is not mandatory and all localities have discretion. It is impossible and impossible to implement the preferential interest rate of provident fund in the economically underdeveloped areas in northern Guangdong and the east and west wings.
Article 7 of the New Deal: All localities can increase the upper limit of housing provident fund loans by 654.38+10,000 yuan to 200,000 yuan.