But is the real situation of Heilongjiang real estate market really as exaggerated as rumors? Heilongjiang Real Estate Association, Leju Harbin and other real estate industry experts visited and investigated the current situation of the real estate market in all cities in Heilongjiang Province, and used data to truly reflect the real situation of the real estate market in all cities in Heilongjiang Province.
Leju Northeast Harbin News Affected by the epidemic situation and economic and social situation, Heilongjiang Province is facing multiple factors such as population loss and economic downturn, and the overall market is in a downturn. By analyzing the sales data of Daqing in the first half of 20021,we can intuitively see that the overall sales situation of Daqing is considerable and can maintain comprehensive and stable development.
The impact of the epidemic on sales is not long-term. The economic downturn caused by the epidemic has led to the brain drain, the general income of the people has decreased, and the willingness of buyers to buy houses has also been reduced to some extent, but the demand for buying houses in the whole city still exists.
Faced with all kinds of phenomena, Daqing housing and construction department has fundamentally solved the problem.
Low income? Then increase the amount of provident fund loans!
Brain drain? Then formulate a special housing subsidy policy!
According to the relevant person in charge of the housing and construction system in Daqing City, according to the arrangement of key work of the provincial party committee and the provincial government, it is expected that the Opinions on the Implementation of Preferential Policies and Subsidies for Talents Benefiting from Agriculture in Daqing City will be promulgated and implemented in early August. This policy has also been highly valued by the Daqing Municipal Government, which was personally grasped by the deputy mayor in charge, led by the Municipal Housing and Construction Bureau, and thoroughly judged by the Municipal Party Committee Organization Department, the Municipal Provident Fund, the People's Society, the public security and the education departments.
It is understood that this policy mainly takes the form of special government subsidies, adheres to the principle of "purchasing first and then subsidizing, expanding the scope and increasing efficiency, and helping development", implements the preferential policy of "three subsidies and one improvement", and launches the "Ten Million Inclusive Talents Housing Plan" to comprehensively promote the economic development of the real estate industry.
The policy is divided into two categories: farmers' housing subsidies and talents' housing subsidies. The maximum subsidy amount is 654.38+10,000 yuan.
Farmer housing subsidy
There are two kinds of subsidies for eligible farmers to buy houses, namely 100 yuan/m 2 and 30% of the total deed tax.
Under the subsidy of "real money and silver", in order to further reduce the burden of farmers buying houses, the policy also explicitly supports farmers who have paid the housing provident fund to buy houses through provident fund loans, and reduces the repayment interest rate.
For farmers who have not paid the housing provident fund, the access conditions for farmers' commercial loans will be reduced, and the loan access score can be reduced from 535 points to 435 points by applying for loans to purchase houses in China Agricultural Bank.
In addition, the policy to be released soon can be said to be feasible for the peasant brothers. It not only subsidizes the purchase price, but also supports farmers' employment and entrepreneurship in cities. After buying a house, farmers also enjoy the right of their children to receive compulsory education.
Talent subsidy policy
There are three kinds of subsidies for qualified buyers, namely "house purchase subsidy, house purchase bonus and housing monetization subsidy".
Among them, the "housing subsidy" is given in the form of a one-time payment of 500-65438+10,000 yuan according to the classification of talents and the size of the purchased apartment; People who buy real estate will also receive a "house purchase bonus" of 30% of the total deed tax or 100%.
In addition, the policy is also implemented with reference to the monetization policy of employees' housing in Daqing government agencies and institutions, further reducing the burden of talent buying houses.
At the same time, considering the short time for imported talents to pay personal housing provident fund and the low amount of provident fund loans, the policy clearly points out that the credit line of provident fund will be increased from 20 times to 30 times of the balance of personal accounts, with a maximum of 600,000 to 700,000.
Take the doctoral graduates introduced by enterprises and institutions in Daqing as an example;
If you buy a house of140m2, the total house price will be about 7 10000 according to the average price of 5000 yuan/m2 and the total deed tax10000.
Among them, the government subsidizes talents by 654.38+10,000 yuan at one time, and rewards talents by 3,000 yuan to buy houses. Talents who meet the housing monetization policy will continue to enjoy preferential housing purchase on this basis.
According to the calculation that the minimum down payment of real estate enterprises is 20% of the total house price, the down payment cost is 6,543,800 yuan+0.4 million yuan. After the settlement, the amount of loans required by talents is about 467,000 yuan, and the maximum amount of provident fund loans is 700,000 yuan, which means that talents do not need additional commercial loans to buy houses, and the provident fund can completely meet the demand for housing at this stage, greatly reducing the pressure on talents to buy houses with high loans.
On the one hand, the introduction of this policy in Daqing reduces the pressure on farmers and talents in Daqing to buy houses, on the other hand, it also helps to attract people from other provinces and cities to settle in Daqing, which has a positive role in promoting the prosperity and development of the city.