This is the content of "Wenzhou phased policy to support reasonable housing demand" published by the official account of Wenzhou Housing and Urban-Rural Development Bureau on June 17, which also mentioned:
Before September 30, if a household purchases ordinary commodity housing or second-hand housing for the first time and applies for a commercial loan, the minimum down payment ratio is 20%, and it enjoys the preferential interest rate for purchasing ordinary self-occupied housing with the first loan.
For households who have no house in Wenzhou but have a loan settlement record, or have a suite in Wenzhou but no loan record, or have a loan settlement record, the first set of preferential loan policies will be implemented for buying houses again; From June of 12 to June of 12, individuals purchased newly-built ordinary commercial housing and existing housing for the first time in urban areas, and after obtaining the certificate of real property rights, they were given a consumption subsidy of 0.6% of the purchase price.
In addition, Wenzhou will accelerate population agglomeration and further relax the settlement policy; In principle, we will completely stop building new resettlement houses and promote the full coverage of the housing ticket policy. Implement the catalogue of preferential projects agreed by the government, and purchase commercial houses with room tickets. Promote the global circulation of room tickets in urban areas. Promote the application of house tickets in the fields of talent purchase subsidies, government project funds and land transfer payment.
In this regard, Yiju Ke Rui believes that the current Wenzhou real estate market has formed the thinking inertia of "the more expensive the house, the more you buy it". On the other hand, the market just needs to be weak, and the proportion of low-end products transactions continues to fall. We believe that the demonstration effect of mortgage on Wenzhou real estate market is likely to be greater than the actual effect, and it is difficult to stimulate the relatively weak consumption of just-needed houses.
Attachment: Full text of Wenzhou's phased policy of supporting reasonable housing demand.
1. Support residents' reasonable housing needs. If a household applies for a commercial loan for the first time to buy ordinary commodity housing or second-hand housing, the minimum down payment ratio is 20%, and the first loan to buy ordinary self-occupied housing enjoys preferential interest rates.
2. Hold activities such as Habitat Festival, Housing Exhibition and Moonlight Economy Week. , vigorously promote the city's urban construction achievements and ecological livable environment. Carry out "warm and comfortable living" preferential activities to meet reasonable housing needs.
3. Increase support for housing provident fund.
(1) Increase the housing accumulation fund to support the payment of employees' rental housing. If the employee has no room to pay the housing provident fund, the monthly withdrawal amount will be increased from the highest 1.200 yuan to 1.400 yuan.
(2) Support employees' demand for highly rigid housing. If employees pay housing provident fund to buy the first family housing and apply for individual housing provident fund loans during the policy implementation period, the single deposit amount will increase by up to 1.5 million yuan, and the double deposit amount will increase by up to 300,000 yuan.
(3) Increase the support for the loan amount of individual housing provident fund for employees. In the calculation method of loan amount, increase the deposit time limit multiple to 5 times as the base, and the highest multiple to 1 1 times.
(4) Improve the spending power of paid employees to buy the first set of housing just needed and the second set of improved housing, and reduce the down payment ratio of personal housing provident fund loans. If an employee's family purchases, builds, rebuilds or overhauls the first set of self-occupied housing and applies for a personal housing provident fund loan, the minimum down payment ratio of the loan will be reduced from 30% to 20%. The paid workers' families already own a set of self-occupied housing. In order to improve living conditions, if you purchase, build, renovate or overhaul a second set of self-occupied housing and apply for a personal housing provident fund loan, the minimum down payment ratio of the loan will be reduced from 50% to 40%.
4. Implement differentiated housing credit policies. Commercial banks should review mortgage loans according to the mortgage information in Wenzhou, and implement the first set of preferential policies for purchasing ordinary housing for households who have no housing but have settled their housing loan records in this city, or households who have/kloc-0 housing but have no housing loan records in this city, or households who have/kloc-0 housing but have settled their housing loans in this city.
5. Reduce the personal housing consumption burden. For families who apply for commercial loans by purchasing ordinary commercial housing or second-hand housing for the first time, a minimum down payment ratio of 20% shall be implemented; The minimum down payment for commercial personal housing loans to buy a second home is 30%. Encourage banks to further reduce the interest rate of the first home loan for families who just need it, and strengthen the issuance of commercial housing mortgage loans with more favorable interest rates and faster speed. Reasonably determine the interest rate level, and on the basis of adhering to the principle of the bottom line, push the interest rate down and move closer to the bottom line. Keep the interest rate of Wenzhou housing loan at a low level in the whole province and even the Yangtze River Delta region.
6. Effectively protect the relevant rights and interests of property buyers. For buyers who have lost their sources of income due to the epidemic, they should flexibly adjust the mortgage repayment arrangements and reasonably postpone the repayment period. The implementation of overdue loans related to the epidemic situation can be achieved by not submitting overdue records and other relevant measures to benefit the people.
The above measures are valid until September 30, 2022.
7. Increase support for the demand for rigid and improved housing. During the period from June, 2022 (KLOC-0/2) to February, 2022 (KLOC-0/day), individuals purchased newly-built ordinary commercial housing and stock housing in urban areas (including Lucheng District, Longwan District, ouhai district, Dongtou District, Haijing District and Economic Development Zone) for the first time.
8. Increase financial innovation support to solve the housing problem. Support financial institutions to innovate mortgage products. For the property buyers mentioned in Article 7 above, they can apply for medium and long-term mortgage loans, and they can adopt innovative loan methods such as repaying principal and interest within the first three years.
9. Increase support for housing provident fund loans for three-child families. According to the national policy, if a paid worker's family who has given birth to three children applies for a personal housing provident fund loan, the maximum loan amount will rise by 50%. (Note: This policy does not overlap with the phased policy, but is implemented in combination with the population development policy for a long time. )
10. Strengthen real estate risk monitoring and early warning. Timely carry out the risk investigation of financing default, and formulate plans to prevent and resolve risks. Compaction of commercial housing pre-sale funds supervision responsibility, to ensure that funds in the supervision account for engineering construction. The financial institution that opens an account shall implement the main responsibility of supervising the pre-sale fund account and carry out self-inspection of risk compliance.
1 1. Actively coordinate overdue delivery projects. Conduct a comprehensive investigation of real estate risk projects and strengthen communication and coordination between housing enterprises and buyers. The shutdown caused by epidemic situation and Asian Games can be regarded as a force majeure factor for the delay of the construction period, and the specific delay time limit is determined by the people's governments of counties and cities.
12. accelerate population agglomeration. Further relax the settlement policy, and if you have legally stable residence or legally stable employment in cities and towns, you can declare your settlement to the public security organ of your place of residence; People with college degree or above or corresponding education can settle down in the urban area before choosing a job. Those who have temporary conditions can move into public collective households.
13. Create a good market environment. We will continue to carry out special rectification actions for the real estate market order, intensify joint rectification and law enforcement, and create a market environment with integrity, standardized behavior and strong supervision.
14. Use room tickets to speed up the implementation of housing policies such as demolition and resettlement. In principle, we will completely stop building new resettlement houses and promote the full coverage of the housing ticket policy. Implement the catalogue of preferential projects agreed by the government, and purchase commercial houses with room tickets. Promote the global circulation of room tickets in urban areas. Promote the application of house tickets in the fields of talent purchase subsidies, government project funds and land transfer payment.
15. Accelerate the raising of affordable housing. We will expand the scope of raising affordable rental housing, and state-owned enterprises will purchase commercial housing at preferential prices, giving priority to the purchase of policy housing with commercial housing projects.