In terms of adjusting the personal housing loan policy, the New Deal mentioned that the down payment ratio of commercial personal housing loans for ordinary housing should be reduced, and the minimum down payment ratio of commercial personal housing loans for households purchasing ordinary housing for the first time should be 25% in principle; All localities can go down by 5 percentage points. Zhenjiang will set the minimum down payment ratio of commercial personal housing loans for the first time to purchase ordinary housing at 20%.
For families who own a set of housing and have settled the corresponding housing loans, if they apply for loans to buy ordinary commercial housing again in order to improve their living conditions, banking financial institutions will implement the first home loan policy. The minimum down payment ratio of the first home loan in Zhenjiang is determined to be 30%.
In terms of provident fund policy, the down payment ratio of provident fund loans will be reduced, and the down payment ratio of employees' families who have settled the first provident fund loan will be adjusted to 40% for the second application.
On April 29th, Zhenjiang Housing and Construction Bureau, National Development and Reform Commission, Finance Bureau, People's Bank of China Zhenjiang Central Sub-branch and Zhenjiang Banking Supervision Branch jointly issued the Notice on Further Promoting the Healthy Development of Real Estate Industry in Our City, supporting the real estate market to better meet the reasonable housing needs of buyers.
The "Notice" clarifies that individuals will purchase the first set of commercial housing (including second-hand commercial housing) in urban areas (Dantu District, Jingkou District, Runzhou District, Zhenjiang New District and Zhenjiang High-tech Zone) within three years, and will be given a one-time purchase deed tax payment share of 80%. Deed tax subsidy.
On May 20th, Zhenjiang Housing and Construction Bureau and other four departments jointly issued the Notice on Printing and Distributing the Operating Rules of Deed Tax Subsidy for the Purchase of Commercial Housing in Zhenjiang, further implementing the policy of 80% deed tax subsidy for the purchase of houses in Zhenjiang introduced at the end of April. It stipulates that the housing purchased by the applicant must meet the following conditions at the same time: the first set of commercial housing (including second-hand commercial housing), and its identification standard is "when purchasing commercial housing to apply for housing subsidies (based on the time of online contract signing), there is no separate property housing under the name of the purchaser (housing subsidy applicant) within the urban area; The deed tax has been paid and the title certificate has been obtained; The online signing time of commercial housing sales contract is from April 29, 2022 (inclusive) to April 28, 2025 (inclusive); The house is located in the urban area (including Dantu District, Jingkou District, Runzhou District, Zhenjiang New District and Zhenjiang High-tech Zone); There must be an applicant among the buyers of commercial housing sales contracts.
At the same time, the "Operating Rules" clarify that one person can only enjoy this deed tax subsidy policy once. Not in line with the Notice of Zhenjiang Municipal People's Government on Printing and Distributing the Implementation Plan of Zhenjiang's Real Estate Inventory Work (16), the Opinions of Zhenjiang Municipal People's Government Office on Talent Housing Policy (Trial) (152) and the Notice of Zhenjiang Municipal People's Government on Further Promoting the Healthy and Stable Development of the Real Estate Market (Zhengzhenfa [20/KLOC-0) Opinions on Several Policies to Encourage and Support College Graduates The applicant shall submit an application for housing deed tax subsidy within 1 year from the date of first registration of immovable property certificate. Over the prescribed period, as a waiver of subsidies.