This is the third city in China to release the policy of relaxing the purchase restriction of commercial housing since September this year 1. The other two cities are Ningbo (released on September 8) and Suzhou (released on September 14).
After Qingdao officially announced the relaxation of the purchase restriction, Jinan followed up the adjustment. In order to further support the demand for rigid and improved housing, Jinan has continuously optimized its real estate policies and measures, and since September 16, it has continued to implement the purchase restriction in Lixia District and Shizhong District within the Second Ring Road. This means that the purchase restriction will be cancelled in the area outside the Second Ring Road of Jinan, and the purchase restriction will also be cancelled in Licheng District, tianqiao district and Huaiyin District in the Second Ring Road.
This is the second time that Jinan has adjusted the scope of purchase restriction during the year. In May 2022, Jinan made a moderate adjustment to the property market regulation policy, and no longer included Changqing District and Zhangqiu District in the scope of purchase restriction. After the adjustment of the purchase restriction scope in September, Licheng District, Huaiyin District, tianqiao district, Changqing District and Jinan High-tech Zone released the purchase restriction.
The implementation date of the adjustment of the scope of purchase restriction happens to be the same day as the monthly report of residential sales price in 70 cities published by the National Bureau of Statistics. After the relaxation of the property market regulation policy in May this year, the price sales index of new commercial housing rose three times in May-July. According to the data of Jinan Real Estate Association, in the past August, the transaction volume of new commercial housing was 572 1 set, with a transaction area of 770,200 square meters. The average daily turnover is about 185 sets, which is lower than that in July (about 225 sets). The average daily transaction volume of second-hand houses remains at around 190 sets.
In this round of real estate regulation and control operation, the provident fund policy has also played an active role, and various places in Shandong have successively introduced provident fund adjustment policies. The reporter found out that after the common policy tools such as increasing the loan amount and reducing the down payment ratio were exhausted, in September, three cities in Shandong introduced new policies, including withdrawing housing provident fund to pay the down payment, withdrawing housing provident fund, canceling the restrictions on the number of houses purchased, and adjusting the time limit for borrowers to apply for loans and pay the provident fund.
The new policy of housing accumulation fund in Qingdao has been implemented since September 2022 1. According to the New Deal, those who buy new commercial housing in the administrative area of Qingdao can apply for withdrawing the housing provident fund under the name of the purchaser and his spouse to pay the down payment for the purchase.
At the same time, the scope of the above policies will be relaxed in stages. If a family purchases the first self-occupied house from September 1 2022 to August 3 1 2023, and applies to withdraw the provident fund to pay the down payment, the scope of the withdrawal will be extended to the purchaser and his immediate family members (including spouse, parents and children).
On September 6th, Dezhou Housing Provident Fund Management Center issued a notice and decided to adjust the housing provident fund use policy. The policy will be implemented on September 7.
According to the "Notice", the purchase of housing provident fund to cancel the number of housing restrictions. When purchasing self-occupied housing within the administrative area of Dezhou City to withdraw the provident fund, the names of the extractor and spouse are not limited by the number of housing units. The purchase of faster houses shall be subject to the filing time of the purchase contract; The purchase of second-hand houses is subject to the time of transfer invoice. At the same time, apply for housing provident fund loans again to cancel the interval time limit. After the provident fund lender settles the provident fund loan for the first time, there is no interval for the second application. In addition, Beijing-Tianjin-Hebei and Shandong depositors applied for provident fund loans in Texas to cancel the household registration restrictions. Accelerate the integration into Beijing-Tianjin-Hebei and promote the consistency of loan policies in Shandong Province. Shandong Province and Beijing-Tianjin-Hebei regret to prevent provident fund depositors from buying self-occupied housing in the administrative area of Dezhou City, and provident fund loans are not restricted by household registration.
Weifang's provident fund policy is somewhat restrained. In addition to the measures to facilitate the people and benefit enterprises during the epidemic, the Notice on Optimizing and Adjusting the Housing Provident Fund Loan Policy was issued on September 9 this year. The New Deal came into effect on September 16.
The New Deal adjusted the provisions of the loan quota calculation index, and cancelled the provisions of "determining the upper limit of the loan quota according to the deposit ratio, the number of loans, and the contribution of employees' provident fund unilaterally or bilaterally". At the same time, the time limit for borrowers to apply for provident fund loans is adjusted, and the time limit for borrowers to apply for provident fund loans is adjusted from "the borrower has paid the housing provident fund in full 12 months or more" to "the borrower has paid the housing provident fund in full for more than 6 months". The upper limit of the loan amount is calculated from 15 times of the sum of the balances deposited in the provident fund account when the borrower applies, and adjusted to 20 times. If the loan term is more than 5 years, the monthly repayment amount shall not exceed 40% of the total monthly income of both husband and wife. "The regulation is adjusted to" If the loan term is more than 5 years, the monthly repayment amount shall not exceed 50% of the total monthly income of both husband and wife ". "
Please click to enter the picture description (maximum 18 words).