The document stipulates that if both husband and wife pay the housing provident fund, the maximum loan amount will be raised from 450,000 yuan to 500,000 yuan, and the unilateral payment will be raised from 350,000 yuan to 400,000 yuan. The specific loan amount is linked to the monthly deposit amount of employee provident fund and repayment ability.
Apply for housing provident fund loans for the first time to buy new commercial housing, and the minimum down payment ratio is 20% (the minimum second-hand housing is 30%); The first loan has been paid off. If you apply for a housing provident fund loan for the second time to buy a new commodity house, the minimum down payment ratio is 30% (the minimum second-hand house is 40%), and the loan interest rate is 1. 1 times the benchmark interest rate of the housing provident fund loan.
Enterprises affected by the epidemic can apply for holdover of housing provident fund from June, 2022 to June, 65438+February according to regulations, and employees who have paid overdue will normally withdraw and apply for housing provident fund loans, which will not be affected by holdover; If the depositor affected by the epidemic cannot repay the housing provident fund loan normally from June 1 day to February 1 day in 2022, it is not overdue and will not be submitted to the credit information department as an overdue record. Increase the maximum withdrawal amount of the public accumulation fund for leased commercial housing, which is limited to 1.200 yuan per household per month, and be withdrawn according to the actual rental expenses within the maximum amount.
Optimize the supervision of pre-sale funds of commercial housing, and appropriately adjust the flexibility and adaptability of the allocation and use of supervision funds. Before 65438+February 3, 2022 1, combined with the actual progress of the project, the project that did not stop production before the completion acceptance and filing can increase1distribution node. After the supervision account of pre-sale funds of commercial housing is frozen by the people's court, if real estate development enterprises, creditors of commercial housing construction project funds, creditors of materials funds and creditors of leased equipment funds request to use the funds in the supervision account of pre-sale funds to pay the funds needed for project construction, such as construction progress funds, materials funds and equipment funds, or if the purchaser applies for refund of the purchase money due to the cancellation of the purchase contract, the commercial bank shall pay it in time with the approval of the housing construction department.
The "Notice" proposes to reduce the burden of personal housing consumption. Guide financial institutions to actively implement the latest requirements of the Notice of the People's Bank of China and China Banking Regulatory Commission (Yinfa [2022] No.65438 +0 15), and gradually reduce the interest rate of newly issued commercial personal housing loans according to their own operating conditions, real estate market situation and other factors and differentiated market pricing principles. Guide financial institutions in susong county to increase personal housing mortgage loans to better support rigid and improved housing demand. For people who have temporarily lost their income sources due to the epidemic, financial institutions distinguish between repayment ability and repayment willingness, and support their existing personal housing loans by reasonably delaying the repayment period and flexibly adjusting the repayment plan. Encourage financial institutions to simplify the examination and approval materials, optimize the examination and approval process, and strive to complete the examination and approval within 2 working days with complete information, and lend money on the same day after filing.
The "Notice" also proposes to postpone the delivery of the house. Continue to implement the Minutes of the First Meeting of susong county Real Estate Market Regulation Joint Meeting 202 1 (Song Fang Ji Lian [202 1]No. 1), which is still within the contract period before 2021+065438+1October 24th. 20211654381For real estate development projects that have newly obtained pre-sale permits after 24 October, the delivery period may be extended by 30 days due to the epidemic situation. If real estate development enterprises encounter difficulties in stages, local governments and relevant departments should actively help enterprises solve practical difficulties in accordance with the principle of "one enterprise, one policy" while adhering to market rules.
The document proposes to optimize the commercial-residential ratio of newly transferred plots. Allow the overall balance of the construction capacity of newly transferred commercial plots. At the same time, if the adjacent plots in the same plot newly sold are all for business purposes, the building capacity can be comprehensively balanced between the permitted plots according to the maximum total capacity area, and the planning and construction plan can be submitted for approval simultaneously.
Explore the phased project acceptance method, optimize the acceptance criteria, and try to complete the acceptance of the unit project that has met the use function on the premise of meeting the planning permission. Residential, commercial, office and other development projects for sale, should be in the "Zhang Jianshe project planning permit" within the scope of the corresponding land, respectively, the single building planning acceptance and project planning verification.
In terms of adjusting the image progress of the pre-sale permit by stages, before 65438+February 3, 20221,if the project applies for the pre-sale permit for commercial housing for the first time, the image progress requirements will still be implemented according to the original standard (plus or minus zero 1/3). The image progress of re-applying for the pre-sale permit of commercial housing can be adjusted to plus or minus zero, but the following conditions must be met: 1. In the process of project pre-sale, the provisions on the deposit and use of pre-sale funds for commercial housing are strictly implemented, and there is no violation; 2. The construction progress of the project is normal and the production has not been stopped.
Adjust the flexibility and adaptability of the allocation and use of regulatory funds appropriately. Before June 65438+February 3, 2022 1, combined with the actual progress of the project,1distribution nodes can be added for the projects that have not stopped production before the completion acceptance and filing. After the supervision account of pre-sale funds of commercial housing is frozen by the people's court, if real estate development enterprises, creditors of commercial housing construction project funds, creditors of materials funds and creditors of leased equipment funds request to use the funds in the supervision account of pre-sale funds to pay the funds needed for project construction, such as construction progress funds, materials funds and equipment funds, or if the purchaser applies for refund of the purchase money due to the cancellation of the purchase contract, the commercial bank shall pay it in time with the approval of the housing construction department.
Susong county requires enterprises to support project loans, and financial institutions are not allowed to withdraw loans, cut off loans or press loans without reason, so as to ensure the orderly delivery of housing loans for real estate development enterprises, construction enterprises and individuals. Encourage financial institutions to support enterprises that are seriously affected by the epidemic and have difficulties in repayment due in accordance with the principles of marketization and rule of law, and submit credit records in accordance with the adjusted repayment arrangements. Corporate banks should strengthen their support for the mortgage business of township real estate projects to ensure the normal delivery of the projects.
The relocation of the old city renewal project is mainly based on the resettlement of commercial housing, which is provided with house tickets, and the policy of house ticket resettlement is promoted in the county at the right time.
Continue to rectify the order of the real estate market, implement "double random and double open" inspections, strengthen joint law enforcement, and seriously investigate and deal with illegal acts such as unapproved pre-sale, false propaganda, misappropriation of pre-sale funds, and disguised evasion of regulatory policies.
All network platforms and self-media should accurately interpret the real estate market situation and policies and correctly guide market expectations in accordance with relevant policies and regulations. Relevant departments should strengthen the release management of online platforms, self-media and other media, and seriously investigate and deal with acts that disrupt market order such as spreading false information, false propaganda and malicious speculation.