Recently, many governments have given "real money and silver" to boost residents' confidence in buying houses. Jinan will make appropriate adjustments to the property market regulation policy. It is expected that on May 23, three adjustment policies involving the scope of purchase restriction, the conditions of sale restriction and the amount of provident fund loans will be implemented, including: Changqing District and Zhangqiu District will no longer be included in the scope of purchase restriction; Adjust the restrictions on the sale of listed transactions from two years after obtaining the property right certificate to two years after signing the regional housing network; Purchase the first set of ordinary self-occupied housing in the administrative area of Jinan and apply for housing provident fund loans. The maximum loan amount for an employee's family who pays the housing provident fund for one person will be raised from 300,000 yuan to 350,000 yuan, and the maximum loan amount for an employee's family who pays the housing provident fund for two or more people will be raised from 600,000 yuan to 700,000 yuan.
Following the announcement of a moderate adjustment of the real estate control policy in Jinan on May 22nd, Jinan will add three new measures, which will be implemented from May 24th. Specifically:
Support the reasonable housing needs of the elderly and families with many children. For households registered in this city, the total number of family houses in the restricted purchase area is 2 or less, and parents have invested in the elderly and obtained residence permits for more than 6 months, they can purchase 1 set of commercial housing in the restricted purchase area; Families with more than two children can purchase 1 set of commercial housing in the restricted area.
Optimize the purchase conditions of non-local households. Non-local registered families are restricted from buying 1 apartment in the restricted area of our city, and the payment of personal income tax or social insurance in Jinan is adjusted from "the last three consecutive years" to "the last two years 1 year"; For buyers with bachelor degree or above, the continuous payment of social insurance is adjusted from "more than 6 months" to "more than 3 months".
Optimize the individual housing credit policy. Through the research on the self-discipline mechanism of market interest rate pricing in Shandong Province, the households with registered residence in this city have restricted the purchase of two houses in the restricted area of our city, and the down payment ratio of the second-home commercial loan has been adjusted from 60% to 40%. If the registered family in this city has no housing in this city, whether there is a loan record before or not, the purchase of a housing application loan is regarded as the first set of housing loans. The down payment ratio of non-local household loans was adjusted from 60% to 30%.