It is mentioned that financial and credit support should be strengthened. All commercial banks should strengthen financial and credit support under the premise of strictly observing the macro-financial policies of the People's Bank of China and the China Banking Regulatory Commission. For households that purchase the first home with loans, the down payment ratio will drop by 5 percentage points on the basis of the national minimum standard of 25%; For households that own 1 apartment and the corresponding housing loans are not settled, if they apply for commercial personal housing loans again to improve their living conditions and purchase commercial housing, the minimum down payment ratio shall not be less than 30%. In accordance with the relevant requirements of the People's Bank of China, we should carry out "personal credit investigation" and issue personal housing loans normally. At the same time, in order to strengthen the relationship between banks and enterprises, commercial banks should reasonably extend the loan repayment period, renew loans or reduce financing costs, increase credit support and ease the financial pressure of enterprises with good credit.
The "Opinions" propose to increase the amount of housing loans. Provident fund management departments and commercial banks should actively explore the mode of combining provident fund with commercial loans, increase the loan amount and support residents to buy houses under the premise of legal compliance and controllable risks. If a single employee applies for a provident fund loan, the maximum loan amount will be raised from 400,000 yuan to 500,000 yuan; If a dual-earner family applies for provident fund loans, the maximum loan amount will be raised from 500,000 yuan to 600,000 yuan.
At the same time, the preferential interest rate for families or individuals who buy houses will be raised, and commercial banks will reasonably determine the preferential interest rate according to the borrower's credit status and repayment ability.
The "Opinions" show that meeting reasonable housing needs. Buy ordinary commodity housing in Qingyang, and fully implement the policy of "unlimited purchase and no price limit". Cancel the restrictions on the number of units and household registration requirements for residents to purchase new commercial housing, and implement on-demand supply and market regulation of commodity housing prices to support residents' reasonable housing consumption demand. Actively hold commercial housing exhibition activities, encourage and guide social organizations and various enterprises to carry out group buying activities, increase housing sales and enjoy group buying concessions. For urban low-income or poor families, priority should be given to affordable housing and public rental housing to ensure and support them.
The Opinions also proposed to implement preferential fiscal and taxation policies. In order to encourage citizens to buy houses, attract population to cities, and expand domestic demand for housing, deed tax will be levied at a reduced rate of 1% for individuals (including buyers, spouses and minor children) who purchase the only family housing with an area of 90 square meters or less; If the area is over 90 square meters, the deed tax shall be levied at the reduced rate of 1.5%. For individuals who purchase a second set of improved family housing with an area of 90 square meters or less, the deed tax will be levied at a reduced rate of 1%; If the area is more than 90 square meters, the deed tax shall be levied at a reduced rate of 2%. Under the premise of policy permission and affordable financial resources, teachers and medical and health personnel working in towns and villages outside the urban planning area will purchase commercial housing in Xifeng District, and each household will be given a housing subsidy of 20,000 yuan. (Zhongxin Finance)