The "Notice" makes it clear that Jingzhou will implement housing payment subsidies, deed tax subsidies, optimizing provident fund loans, housing ticket placement system, supporting second-hand housing to "transfer with mortgage" and keeping real estate financing stable and orderly.
In terms of housing subsidies, the notice mentioned that after June 14, 2022, full-time college graduates (including college graduates) who bought the first set of new commercial housing in the central city can apply for a housing subsidy of 20,000 yuan at the window of the housing construction department of the administrative service center in their district (functional area) with the purchase contract. Other buyers who purchase the first set of newly-built commercial housing (including apartments) in the central city can apply for a housing subsidy of 1 000 yuan at the window of the housing construction department of the district (functional area) administrative service center with the purchase contract.
Regarding the implementation of the deed tax subsidy for house purchase, the Notice shows that after June 14, 2022, buyers who purchase new commercial housing in the central city will be subsidized by the financial department of the district where they are located according to 70% of the deed tax paid. During the implementation of these measures, the buyers who buy second-hand houses in the central city will be subsidized by the local financial department according to 50% of the deed tax paid. The purchaser shall complete the application for house purchase subsidy with the real estate registration certificate and deed tax payment certificate within 6 months (counting from the date of issuance of the real estate registration certificate), and no subsidy will be given after the deadline.
In optimizing the provident fund loan policy, the provision that "individual housing provident fund can only be withdrawn and loaned" can be cancelled. Migrant workers do not need a guarantor to apply for provident fund loans. At the same time, support "one person buying a house to help the whole family". When a buyer purchases a newly-built commercial house in the central city, he can withdraw the balance from the housing accumulation fund account of himself, his spouse and immediate family members (parents or children), and the total withdrawal amount shall not exceed the total purchase price.
Regarding the implementation of the house ticket allotment system, the notice mentioned that the relocation and resettlement projects in new housing, shantytown renovation and urban renewal should be strictly controlled and the house ticket allotment system should be implemented. When the expropriated person buys a new commercial house in the central city, the house price is deducted by the house ticket issued by the expropriation subject, and the real estate enterprise makes settlement with the expropriation subject by the house ticket. Before the implementation of these measures, there is no resettlement, and people who are taken are encouraged to apply for housing ticket resettlement. Guide real estate enterprises to give appropriate preferential treatment to the expropriated persons, government organizations, enterprises and institutions that organize group purchases.
At the same time, support the "mortgage transfer" of second-hand housing, improve the convenience and safety of second-hand housing transactions, and fully implement the "mortgage transfer" of second-hand housing. Give play to the leading role of financial management institutions, further optimize the real estate registration process, and meet the needs of the masses for "cross-bank handling". Promote the transfer of mortgaged real estate according to law, solve the problems of long loan transfer time, high cost, high risk and many links, effectively reduce transaction costs and activate the second-hand housing market.
The "Notice" mentioned that real estate financing should be kept stable and orderly. Encourage financial institutions to move closer to the minimum down payment ratio and the minimum loan interest rate for newly issued commercial personal first home loans; The down payment ratio and loan interest rate of the second home loan shall be implemented according to the current regulations. For families who own/kloc-0 apartments and have settled their housing loans, if they apply for loans to buy ordinary commercial housing again, the first home loan policy will be implemented.
At the same time, stabilize the credit supply of real estate enterprises and construction enterprises, steadily carry out M&A loan business, increase financial support for housing leasing, and optimize the supervision of real estate pre-sale funds. Encourage financial institutions to extend the existing financing of real estate enterprises such as development loans and trust loans, and adjust repayment arrangements. From 1 1, if it expires in the next six months from 2022, it can be extended by 1 year on the basis of the original provisions, without adjusting the loan classification, and the loan classification submitted to the credit information system is consistent with it.