The Measures allow employees to apply for provident fund loans after six months of continuous deposit. Continue to implement the policy of 20% down payment for the first application for provident fund loans. The down payment ratio of the second application for self-occupied housing provident fund loans was reduced from 40% to 30%. The time limit for issuing provident fund loans has been shortened from 15 working days to 10 working days.
The "Measures" mentioned that starting from the fall semester of 2022, the children of owners in Yongqiao District who buy houses (including auction houses) in the main city can enter the park in the public kindergarten in their residential area. Starting from the fall semester of 2023, the children of owners in Yongqiao District who buy houses (including auction houses) in the main city can be enrolled in public primary schools and junior high schools in their school districts.
The Measures clarify and strengthen financial policy support. Financial institutions implement the national credit support policy, actively strive for loan quotas, increase support for high-quality real estate development loans and working capital loans of construction enterprises, and do not blindly lend, cut off loans or pressure loans to effectively meet the financing needs of real estate development enterprises. Take measures such as reducing the personal first home loan interest rate and implementing the minimum down payment ratio of the first suite of 20% to guide the mortgage interest rate down, effectively meeting the rigid and improved housing needs of residents; For the difficult groups who can't repay their mortgages in time due to the epidemic, timely and flexibly adjust their personal repayment plans.
The "Measures" also clarify that the supervision of pre-sale funds for commercial housing should be optimized. Standardize the deposit and management of pre-sale funds of commercial housing, deposit all pre-sale deposits, down payment, mortgage loans and provident fund loans into the pre-sale funds supervision account, and implement full supervision throughout the process. Optimize the flexibility and adaptability of pre-sale fund allocation and supervision, and increase allocation nodes, which can be allocated according to the actual progress of the project. Strengthen enterprise credit evaluation and application, reduce the proportion of pre-sale funds retained by supervision by classification.
The "Measures" show that if the delivery of real estate development projects under construction is delayed due to the epidemic, the delivery period may be appropriately extended according to the situation, and the longest time shall not exceed three months.
The "Measures" require that the process of filing residential prices be simplified. Comprehensive consideration of commercial housing cost factors, market factors and regulatory requirements, to guide the development of enterprises to declare housing prices reasonably. For high-quality real estate projects with low volume ratio, high green rate and fine decoration, the filing price of commercial housing can be appropriately increased according to the construction cost. Price filing should lower requirements, simplify procedures and shorten the time limit. Introduce a third-party organization to conduct cost audit to promote the fairness and standardization of price filing. Establish a price filing consultation mechanism. Except for the cost audit project of the third party organization, the price filing shall be completed within 5 working days.
It is reported that the above measures shall be implemented as of the date of promulgation and valid for 2 years, and the Municipal Housing Management Center shall be responsible for the interpretation. Where there are other provisions in the national laws, regulations and policies during the implementation, the national laws, regulations and policies shall prevail. (End)