According to the document, Qinglong County will issue government coupons to property buyers. For those who purchase new commercial housing and register real estate during 2022-2024, they can pay equal government coupons according to deed tax subsidies, which can be used for routine consumption expenses such as decoration, home building materials, furniture and appliances in the county.
In addition, if new commercial housing is purchased from July 1 2022 to February 3 1 2022, the real estate development enterprise that purchased the commercial housing will issue government coupons at the standard of 2,000 yuan per set, which can be used for routine consumption expenses such as decoration, home building materials, furniture and household appliances in the county.
The document proposes that banking financial institutions should reasonably determine the down payment ratio and interest rate level, and encourage banking financial institutions to implement the minimum down payment ratio of the first home loan of 20%. For families who have settled their home purchase loans and applied for loans to buy commercial housing again in order to improve their living conditions, the first home loan policy will be given guidance. If it meets the loan granting conditions, the loan granting period shall not exceed 15 days.
For households who purchase commercial housing, the lower limit of the interest rate of the first commercial personal housing loan is adjusted to not less than the quoted interest rate of the corresponding loan market minus 20 basis points.
For the people affected by the epidemic, the repayment plan will be flexibly adjusted by reasonably delaying the repayment time, extending the loan period and delaying the repayment of the principal.
Qinglong county also proposed to strengthen risk management and control and speed up the resolution of problem buildings. For the problem of property right registration left over from history, on the premise of building structural safety, fire safety and clear property rights, relevant departments or third-party institutions can leave room.
For the problem of delayed delivery, it is necessary to compact the main responsibility of real estate development enterprises, raise construction project funds and acceptance fees according to law, start the project to resume work, and specify the delivery time of houses. Strengthen the linkage between the government and the hospital, and in accordance with the relevant requirements of the Notice of the People's Bank of China and the Ministry of Housing and Urban-Rural Development of the Supreme People's Court on Standardizing the Compulsory Enforcement Measures for the Preservation of Pre-sale Funds of Commercial Houses under the Protection of Projects by People's Courts (Law [2022]12), preserve the pre-sale funds of commercial houses, revitalize the remaining assets of enterprises, ensure the continued construction of projects, and safeguard the interests of buyers.
The document puts forward that it is necessary to actively promote the citizenization of agricultural transfer population and further simplify the procedures for agricultural transfer population to purchase houses and settle down. For migrant workers who buy commercial housing, their land contractual management rights, homestead use rights and collective economic distribution rights remain unchanged. Actively explore the voluntary paid withdrawal of farmers' homestead and the rational distribution mechanism of land value-added income, so that farmers can afford housing. Research and develop credit products suitable for migrant workers to buy, and support migrant workers to buy houses in cities.