People's Bank of China
◆ From April of 15, the People's Bank of China reduced the deposit reserve ratio by 1 percentage point for rural financial institutions and urban commercial banks operating only in provincial administrative areas, and implemented it twice in April of 15 and May of 15 respectively, releasing about 400 billion yuan of long-term funds; ◆ Carry out the medium-term loan facility (MLF) operation of 654.38+000 billion yuan. ◆ On April 24th, according to the demand of financial institutions, the targeted medium-term lending facility (TMLF) of RMB 267.5 billion due on that day was extended, with an amount of RMB 56 1 billion, and the winning bid rate was 2.95%.
China Interbank Funding Center?
◆? It was announced that the quoted interest rate (LPR) of the loan market on April 20, 2020 was: 1 one-year LPR of 3.85% and 5-year LPR of 4.65%, down by 20 and 10 basis points respectively.
* * * Meeting of the Political Bureau of the CPC?
◆ The meeting proposed to strengthen macro policies to hedge the impact of the epidemic. ◆ Fiscal policy: We should be more active, improve deficit ratio, issue anti-epidemic special bonds, increase local government special bonds, and improve the efficiency of fund use; ◆ Monetary policy: A prudent monetary policy should be more flexible and moderate. It is necessary to use measures such as RRR reduction, interest rate reduction and refinancing to maintain a reasonable and sufficient liquidity, guide the downward interest rate in the loan market, and use funds to support the real economy, especially small and medium-sized enterprises.
The State Council executive meeting?
◆ Promote the transformation of old urban communities. In 2020, it is planned to renovate 39,000 old urban areas, involving nearly 7 million residents, double the number of last year, with the focus on residential areas completed before the end of 2000.
Major urban policies
Zhejiang?
Cancel the age limit for parents to settle down (except in Hangzhou), and let go of the restrictions for immediate family members, spouses or spouses' parents to settle down; ◆ Support incubators, creative spaces and characteristic towns to set up collective households, cancel collective dormitory conditions, allow talent apartments and hotel-style apartments to set up collective households, and promote the establishment of community (village) collective households.
Nanjing?
◆ Relax the threshold for settlement. Those with a postgraduate degree or above and a bachelor's degree under 45 years old (including returned overseas students and part-time graduate students) can settle down with their academic credentials; ◆ Jiangbei New District issued the "Implementation Measures for Ten Policies on Promoting Talent Development in the Free Trade Zone and Optimizing and Upgrading the" Entrepreneurial Jiangbei "Talent Plan" to increase the introduction of overseas students. Those who meet the requirements will be given a one-time living allowance of up to 40,000 yuan per person.
Yunnan?
◆ Fully liberalize the migration policy of urban household registration in the province and cancel the restrictions on settlement in the main city of Kunming; ◆ Fully implement the policy of linking the increase of urban construction land scale with the absorption of agricultural transfer population.
Zhongshan?
◆ Relax the entry conditions for basic talents. For full-time undergraduate graduates who have worked in Zhongshan enterprises for 1 year and settled in Zhongshan within five years after graduation, each person will be given a one-time government allowance of 1 10,000 yuan.
Wuxi?
◆ Persons under the age of 45 who meet the following conditions can apply for the policy of "settling down first before employment": 1, returned from studying abroad, with a bachelor's degree or above certified by the Ministry of Education; 2. Have a full-time bachelor degree or above; 3. Obtaining the title of deputy senior middle school or above or the national vocational qualification (vocational skill level) above the second level; In addition to the above three types of talents, those with college education or above and under the age of 35 may apply for direct settlement.
Sanya?
◆ Top-notch talents purchase subsidies of 60,000 yuan/year; Other types of high-level talents purchase subsidies of 36,000 yuan/year; ◆ Master graduates and professionals with intermediate professional titles, technicians' professional qualifications, medical practitioners' qualifications or the state and this province have clearly stipulated that they can employ intermediate professional and technical positions, and the housing subsidy is 24,000 yuan/year; ◆ Housing allowance for undergraduate graduates 1.8 million yuan/year.
Foshan?
Individual employees who have paid in may apply for housing provident fund loans twice, but they may not apply again before the first loan is paid off, and may not issue loans to employees who have used housing provident fund loans twice.
Hangzhou?
◆ Give a one-time living allowance to global graduates with bachelor degree or above who come to work in Hangzhou (including overseas students and foreign talents who return to China within 5 years after graduation), including undergraduate 1 10,000 yuan, master's 30,000 yuan and doctor's 50,000 yuan; ◆ After working in Fuyang District, Lin 'an District, Tonglu County, Chun 'an County, jiande city and other western counties (cities) for three years, fresh graduates will be given a one-time living allowance of 6,543,800 yuan for undergraduates, 30,000 yuan for masters and 50,000 yuan for doctors.
Lanzhou?
Strictly implement the current real estate market control measures, effectively implement various control policies such as price filing, purchase restriction, loan restriction and sales restriction, and effectively control the increase in the sales price of commercial housing; ◆ Adjust the down payment ratio of commercial real estate loans from the current 70% to 50%.
Jiaxing?
◆ Housing provident fund loans can be extended to 5 years after statutory retirement according to actual conditions; ◆ The maximum loan period for purchasing new commercial housing is 30 years; The longest loan period for second-hand houses is 30 years, and the age plus loan period shall not exceed 50 years, and shall not exceed the land use life of the house.
Chifeng?
◆ If the stock room (including parking spaces, etc.). ) trading, and can be listed and traded after obtaining the property right certificate; ◆ If you buy a new commercial house or a trading stock house and use the provident fund loan for no more than two times, you can apply for a loan with a maximum loan amount of 800,000 yuan and 80% of the total house price.
Nanchang?
◆ Completely cancel the restrictions on access conditions such as the number of years of insurance, the number of years of residence, and academic qualifications for urban residents in this city, and implement a "zero threshold" access policy based on batch applications, with no other conditions attached, and the same household personnel can move with them.
Wuhan?
◆ The buyer and seller have signed a commercial housing sales contract and agreed to deliver the commercial housing project on or after June 24, 2020. If it cannot be delivered as scheduled due to epidemic situation and other reasons, the delivery time will be postponed according to the actual situation, and in principle, it will not exceed 3 months at the longest, unless otherwise agreed by the buyer and the seller; ◆ If the income source is lost or reduced due to the epidemic, which makes it difficult for buyers to repay, the repayment period can be reasonably and appropriately delayed, in principle, not more than three months, and financial institutions are encouraged to negotiate with buyers to appropriately reduce the interest on individual housing loans of some buyers.
Zixing?
◆ Give deed tax subsidies. From April 1 2020 to February 3 1 2020, if the deed tax has been paid, 50% of the deed tax will be subsidized; ◆ During April 1 to February 3 1 in 2020, the first set of 70- 144㎡ new commercial housing will be purchased in the central city for local registered farmers, talents who have started their own businesses in other places and have been registered or worked in foreign-funded enterprises for more than 2 years, college students who come to work in foreign-funded enterprises and professional and technical personnel with intermediate titles or above. ◆ Deferred payment of land transfer fees. For the land newly completed and completed but not paid off during the year (including the land that needs to be paid after the planning adjustment to increase the floor area ratio), the payment of the land transfer fee can be postponed for a period of no more than 6 months, and the land interest and liquidated damages will not be calculated before June 30.
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