According to reports, Guiyang Gui 'an General Manager * * * participated in the group purchase of 7 1 mobile homes, 98 projects and 6,304 houses (including 404 in Gui 'an and 424 in Xiuwen, Kaiyang and Xifeng 1424) for employees interested in group purchase activities to browse and choose houses.
The group purchase plan issued by Guiyang Federation of Trade Unions shows that the sales price of this group purchase house is lower than the usual sales price of the corresponding real estate, and it is guaranteed that the unsold houses in this activity will not be lower than this group purchase price within two years. According to the location, apartment type, floor and other specific conditions of the house, the price difference after preferential treatment will be implemented. "One room, one price" was published and implemented in the postal service, Huihe on June 5438+065438+ 10/8.
The group purchase scheme shows that from June 5438+065438+1 October1day in 2022 to June 5438+February 3 1 day in 2022, trade unions of organs, enterprises and institutions at all levels in Guizhou Province and Guiyang City organized buyers to voluntarily participate in this group purchase activity, and registered members in their respective trade unions according to online guidance. For groups with 30 registered households, the grass-roots trade unions shall report to the Municipal Federation of Trade Unions for summary, and the grass-roots trade unions shall organize 30 individual groups to select group purchase representatives to negotiate with the real estate enterprises.
Group buying targets are not limited to local residents, including non-local and non-provincial members. Joining a member unit only means joining this activity and becoming a member of this activity.
The group purchase housing is provided by the real estate development enterprises participating in this group purchase, and the following four conditions must be met: (1) There is no illegal behavior in the project, and the relevant procedures are complete; (2) Unsold commercial houses under construction or in stock whose projects have reached the pre-sale (sales) conditions; (3) The project construction is normal and there is no other debt risk; (4) Ensure the quality and quantity, and deliver the house as scheduled.
For group buying customers in the city, enjoy the group buying price uniformly announced by real estate enterprises, and real estate development enterprises guarantee that the group buying discount is not lower than that of non-group buying customers. Group purchase projects (or buildings) are subject to different prices and one room for one price according to the number of participants, group purchase order, room type and floor location. Group buying representatives and development enterprises coordinate to reach an average discount for the total number of households. The more families participate in group buying, the greater the preferential benefits they can enjoy. During the limited period of this activity, the group purchase price enjoyed by members should be lower than the discount price given by Fang Kai in the usual sales activities.
Guiyang Provident Fund Center issued a phased withdrawal policy, and paid employees can apply to withdraw the balance of their own and their spouses' housing provident fund accounts to pay the down payment. The implementation time of this method is February 65438+February 3, 20221,which supports the "repayment of loans" for provident fund and off-site loans. In the same house, employees can apply for housing provident fund personal housing loan after withdrawing the down payment.
According to Guiyang Provident Fund Center, the purchased housing is the first housing, and the interest rate of housing provident fund loans is 2.6%(5 years and below) and 3.1%(more than 5 years). If you buy a second house, the personal housing provident fund loan interest rate is 3.025%(5 years or less) and 3.575% (more than 5 years).
If the family (including spouse) has no house, or has settled all personal housing loans, or only one outstanding commercial personal housing loan, the down payment ratio can be as low as 20% when applying for housing provident fund loans. The purchaser or spouse has applied for housing provident fund loans, and can apply for housing provident fund loans again after settlement. The loan interest rate is subject to the second set of housing interest rate standards, that is, 3.025%(5 years or less) and 3.575% (more than 5 years). Those who deposit housing provident fund in other cities (states) in the province, and buy self-occupied new ordinary commodity housing in Gui 'an, Guiyang, can apply for loans from different places to Guiyang Provident Fund Center, which is not restricted by household registration.
Guiyang Financial Office supports and encourages financial institutions participating in group buying activities to implement the 20% down payment policy for the first home loan and implement differentiated individual housing mortgage interest rate concessions; Open up a green channel and equip a special business team to realize the loan process of priority acceptance and rapid approval.
At the same time, Guiyang Municipal Bureau of Commerce and Guiyang Municipal Taxation Bureau also introduced how to collect and use deed tax vouchers and related tax policies and measures. If the group buyers sign the house purchase contract and complete the house registration and pay the deed tax before 65438+February 3, 20221,and the contracted area (building area) of the house purchase is less than 90 square meters (inclusive), it will be 100% of the deed tax paid. If the contract area of the house purchase is more than 90 square meters, consumer vouchers will be issued according to 80% of the deed tax paid.
On June 10, this year, Guizhou Province was the first province to introduce the policy of buying a house by group purchase-"Action Plan for Promoting Resumption of Work, Production and Market, Promoting Economic Recovery and Boosting in Guizhou Province". Among them, in promoting the healthy development of the real estate market, we will strictly implement the "one floor, one policy" disposal plan, strive for the support of special national real estate loans, and speed up the construction and delivery of sold, overdue and difficult-to-deliver residential projects. At the same time, we will implement more phased support policies for housing provident fund, strengthen the optimization and implementation of the policies that have been introduced, and effectively guide the purchase consumption. Encourage employees of organs, enterprises and institutions to buy commercial housing, and the preferential price of group purchase is not included in the decline ratio of the record price of commercial housing.