According to Baoji News Network, in order to continuously improve the supply and demand structure of Baoji's real estate market, optimize the market environment and boost market confidence, Baoji has formulated ten measures, such as preferential transfer of residential land and deferred payment of supporting fees for urban infrastructure, to promote the virtuous circle and healthy development of the real estate industry and achieve the work goals of stabilizing land prices, housing prices and expectations.
In terms of supporting residents' reasonable housing needs, the New Deal proposes that the down payment ratio of commercial personal housing loans for households to purchase commercial housing for the first time is not less than 20%; For 1 housing families who have settled the corresponding housing loans, in order to improve their living conditions, they apply to financial institutions for loans to buy commercial housing again, and financial institutions implement the first home loan policy; For families who own 1 apartment and the corresponding housing loans are not settled, in order to improve their living conditions, they should apply for loans to buy commercial housing again, and the down payment ratio should not be less than 30%.
In terms of increasing the support of provident fund, the New Deal shows that the maximum loan amount for dual-income employees is adjusted from 400,000 yuan to 500,000 yuan for those who purchase housing through housing provident fund loans; The maximum loan amount for a single employee is adjusted from 300,000 yuan to 400,000 yuan. If the depositor applies for a personal housing provident fund loan for the first time, and the construction area is below 144 square meters, the down payment ratio shall not be less than 20%; If the construction area is above 144 square meters, the down payment ratio shall not be less than 25%; If the depositor applies for a personal housing provident fund loan for the second time, and the construction area is below 144 square meters, the down payment ratio shall not be less than 25%; If the construction area is above 144 square meters, the down payment ratio shall not be less than 35%.
At the same time, support the demand for non-Baoji household registration personnel to purchase houses. Non-Baoji household registration, Laibao entrepreneurship and employment, the first time to buy a house in Bao, give a subsidy of 2% of the purchase price; In line with the conditions for introducing talents, if you buy a house for the first time in Bulgaria, you will be given a purchase subsidy of 5% of the purchase price; If the house is in the school district, the child can go to the nearest kindergarten with the online signing contract.
In addition, Baoji implements deed tax subsidies for the purchase of houses. Where 1 buys the first set of newly-built commercial housing and second-hand housing in the urban area after June 2022, and signs an online contract and pays the transaction deed tax before May 3, 2023, the deed tax collection department will subsidize the purchaser according to 50% of the deed tax paid. The deadline for subsidy application is May 3, 20231. If you check out, you should return the corresponding subsidy.
The New Deal also mentioned the implementation of residential land transfer concessions. From June 2022 1, the minimum bid bond can be executed at 20% of the listing price, and the land transfer fee can be paid in installments within 1 year after the transaction. When a real estate enterprise applies for a construction permit for a newly-started real estate project, it may postpone the payment of supporting fees for urban infrastructure for a maximum of 6 months after making an application and making a written commitment to postpone the payment.
The New Deal proposes to implement the purchase of existing homes, actively promote the purchase of existing homes in urban renewal and transformation, and gradually expand the proportion of existing homes; Support families who have moved from disaster areas to concentrate on existing urban housing. In terms of increasing credit support, financial institutions should distinguish between project risks and enterprise group risks, increase support for high-quality projects, and do not blindly lend, cut off loans or pressure loans to keep real estate development loans stable and orderly. On the basis of controllable risks, moderately increase support such as working capital loans to meet the reasonable financing needs of construction enterprises.
Optimize the supply structure of commercial and residential buildings, and allow real estate projects to appropriately adjust the proportion of commercial and residential buildings on the premise of meeting the requirements of urban landscape control and various laws and regulations.
In the implementation of differentiated pre-sale permit and fund supervision, the New Deal clearly stipulates that differentiated pre-sale permit and fund supervision should be implemented on the premise of effectively implementing the requirements of pre-sale fund supervision of commercial housing according to the credit rating and project operation of real estate enterprises. Real estate enterprises with AAA credit rating can apply for pre-sale permit if the image progress of multi-storey and high-rise buildings reaches plus or minus zero, and the supervision coefficient of pre-sale funds will be lowered by10%; Real estate enterprises with AAA credit rating can apply for pre-sale permit if the image progress of multi-storey and high-rise building projects reaches a quarter of the total number of floors above ground, and the supervision coefficient of pre-sale funds will be lowered by 5%; For real estate enterprises with credit ratings of A and B, the pre-sale permit and fund supervision shall be implemented according to the current policy.