On June 13, Xiangyang, Hubei Province issued seven measures to stabilize real estate, including reducing the down payment ratio, implementing "accepting loans but not recognizing houses", lowering the interest rate of commercial loans, increasing the amount of provident fund loans, and granting housing subsidies. Among them, talents who buy new houses can be given a one-time down payment subsidy voucher 1.5 million yuan.

On the same day, Yancheng, Jiangsu Province issued eight measures to stabilize real estate, in which it proposed to give housing subsidies, and to give one-time housing subsidies of 50% and 100% of the deed tax to families with two children, three children and above, with the maximum not exceeding 30,000 yuan and 60,000 yuan respectively. At the same time, it also gives subsidies for housing purchases, with a maximum of 30,000 yuan.

China, a brokerage of Securities Times, found that since June, Tangshan, Shaoyang, Sichuan, Heilongjiang and other places have issued policies to support the purchase of houses, all of which offer preferential treatment to families with two or three children, such as increasing the maximum amount of provident fund loans.

The industry believes that reducing the cost of buying a house to better meet the needs of families with many children has adapted to the policy orientation of encouraging fertility in recent years, which will release the demand for housing replacement driven by the increase of family population.

Xiangyang implements "recognizing loans but not housing"

On June 13, Xiangyang Housing and Construction Bureau and other eight departments jointly issued the Notice on Promoting the Healthy Development of Urban Real Estate Industry (hereinafter referred to as the Notice), and launched seven measures to promote the stable and healthy development of the real estate market.

Among them, it is proposed to simplify the identification of the number of sets and implement "recognizing loans but not recognizing houses". Provident fund loans, no housing provident fund loan records and no outstanding housing commercial loans, shall be implemented according to the first home loan policy; If there are records of housing provident fund loans that have been settled or commercial housing loans that have not been settled, it shall be implemented according to the second home loan policy. In terms of commercial loans, for families who own 1 apartment and have settled the corresponding housing loans, in order to improve their living conditions, they apply for loans again to buy ordinary commercial housing and implement the first home loan policy.

In terms of reducing the down payment ratio, for provident fund loans, the down payment ratio of the first suite is adjusted from not less than 30% to not less than 20%, and that of the second suite is adjusted from not less than 50% to not less than 30%. For commercial loans, the minimum down payment ratio of the first home mortgage is reduced from 30% to 20%; If you own a suite and the corresponding loan is not settled, the minimum down payment ratio for refinancing to buy a house is 30%.

In terms of increasing the amount of provident fund loans, the maximum amount will be raised from 600,000 yuan to 700,000 yuan, of which the loan amount will not be linked to the housing provident fund deposit and loan policy for the time being.

In reducing the commercial loan interest rate, the lower limit of the first home loan interest rate is adjusted to not less than the quoted loan market interest rate of the corresponding period minus 20 basis points.

Zhou Zixuan, deputy governor of Xiangyang Central Sub-branch of China People's Bank, said that after the introduction of the new policy, not only the down payment ratio of commercial loans decreased, but also the interest rate of commercial loans could be implemented according to the lower limit of the policy.

In addition, the two groups will give corresponding subsidies when purchasing existing houses collected by the housing and construction departments. Buy the first set of ordinary new commercial housing, sign the contract online and complete the deed tax payment, and give each set a subsidy of 20 thousand yuan; In line with the relevant provisions of the city's talent housing security, new (returning) employment and entrepreneurial talents who purchase new commercial housing can enjoy one-time down payment subsidy vouchers ranging from 1.5 million yuan, 1.2 million yuan, 80,000 yuan and 60,000 yuan respectively according to the talent category.

Yancheng three-child family housing subsidies up to 60 thousand.

On June 13, Jiangsu Yancheng Housing and Construction Bureau issued "Eight Policies on Effectively Responding to the Impact of the Epidemic and Promoting the Healthy Development of the Urban Real Estate Market".

Among them, it is proposed to subsidize the purchase of new commercial housing. Families with salt, salt and salt, college degree or above, or having two children after 20 16 1 will be given a one-time housing subsidy of 50% of the deed tax paid, with a maximum of 30,000 yuan. Families giving birth to three or more children after May 3 1 (in line with the current birth policy) will be given a one-time housing subsidy of 100% of the deed tax paid, with a maximum of 60,000 yuan.

At the same time, it will give subsidies for housing purchases. If you work and start a business in cities and towns and pay social security 1 month or more, you will be given a housing subsidy of 65438+ 0.5% of the total contract price, with a maximum of 30,000 yuan.

In addition, the implementation of differentiated housing credit policy, and strive to reduce the interest rate and down payment ratio of housing loans. Encourage the purchase of new houses to improve living conditions. If the purchase of new commercial housing and the sale of the original housing, the deed tax paid after the sale of the original housing is lower than the deed tax paid by the new housing, subsidies shall be given according to the amount of deed tax paid when the original housing is sold; If the deed tax paid after the sale of the original house is higher than the deed tax paid by the new house, the subsidy shall be made according to the deed tax paid by the new house. The maximum subsidy does not exceed 30,000 yuan. The sale period of the original house is from the date when the certificate is issued to 65438+February 3, 20231.

In addition, it is also suggested to extend the payment period of land transfer fees, postpone the payment of urban infrastructure supporting fees, guide financial institutions to support the reasonable demand of real estate enterprises' development loans and M&A loans, effectively alleviate the pressure of capital chain operation in the real estate market, and optimize the supervision of commercial housing pre-sale funds.

Give support to families with many children to buy houses.

China, a broker of Securities Times, found that recently, many places have given more preferential treatment to families with many children in their housing support policies.

On June 7, Heilongjiang issued a package of policies and measures to stabilize the economy, clearly proposing to support the demand for rigid and improved housing, and will introduce preferential policies for two-child and three-child families to purchase houses.

On the same day, Shaoyang adjusted the policy of using part of the housing provident fund, in which the maximum loan amount was 800,000 yuan for the paid workers' families who supported the birth policy and applied for provident fund loans to buy houses in line with national policies. The maximum loan amount for ordinary workers' families will be raised to 600,000 yuan, and that for high-level talents will be raised to 800,000 yuan.

On June 6th, Tangshan provident fund policy portfolio was further upgraded, and all loans were paid off. The minimum down payment ratio of the first and second sets of self-occupied housing provident fund loans was reduced from 30% to 20%. At the same time, families with many children are encouraged. The maximum loan amount can be increased by 654.38+10,000 yuan for families with two children and 200,000 yuan for families with three children.

On June 2, Sichuan issued "Several Policies and Measures on Steady and Stable Economic Growth", which proposed that in order to support reasonable housing consumption, all localities can give appropriate support to imported talents, families with two children and three children, and migrant workers to purchase commercial housing.

Nanjing, Dongguan, Jiangsu, Ningbo, Dongguan, Wuhan, Xiamen, Wuxi, Hangzhou and other places not only give more housing subsidies and increase the maximum amount of provident fund loans, but also allow families with two or three children to buy 1 suite on the basis of existing purchase restrictions.

In this regard, Li, chief researcher of the Housing Policy Research Center of Guangdong Provincial Planning Institute, told Securities Times China that better meeting the housing needs of families with many children is a widely implemented policy in recent years, which adapts to the policy orientation of encouraging childbearing in recent years, which will release some housing replacement needs driven by the increase of family population.

Yan Yuejin, research director of the think tank center of Yiju Research Institute, also believes that the relaxation of the purchase restriction policy for families with many children not only increases the birth scale of the population, but also reduces the purchase cost of families with many children. Such policies objectively make the real estate development of such cities face new opportunities and help to promote the short-term and medium-and long-term activity of the real estate market.

Last year, the state issued a document to optimize fertility and promote long-term population balance, and the "three-child policy" was formally implemented. This policy is accompanied by a package of support measures, including reducing the cost of childbirth, parenting and education in an all-round way, which mentions reducing the cost of living.

At the same time, Li pointed out that all localities have implemented national measures to optimize the birth policy. In terms of housing, the policy origin should not be to encourage families with multiple births to buy houses, but to reduce the cost of living, reduce the restrictions of high housing prices on having more children, and promote fertility and consumption willingness. In the future, the key policy should be to reduce housing prices, promote public rental housing, guarantee rental housing, build property houses, and give priority to this group of people.

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