The "Notice" proposes to support reasonable housing demand and support just-needed and improved demand. Allow registered families in the area and people who come to work and live in the area to buy self-occupied commercial housing. For families with improvement needs, houses that have obtained the certificate of immovable property rights can be listed and traded.
For high-level talents who purchase new commercial housing for the first time in the region, the purchase subsidy is up to 3 million yuan. Excellent education talents purchase houses, and the purchase subsidy is up to 500,000 yuan. Industrial talents buy houses, and the maximum subsidy for buying houses is 200,000 yuan. For young talents such as doctors, masters, undergraduates and college graduates, housing subsidies of 6.5438+10,000 yuan, 50,000 yuan, 20,000 yuan and 6.5438+10,000 yuan were given respectively.
In terms of encouraging development enterprises to profit from the concentrated purchase of houses by talents, the district finance will give the development enterprises the highest prize of 500 yuan per square meter for purchasing new commercial houses before June 65438+February 3, 2022.
The "Notice" mentioned that it is necessary to encourage shed reform to choose monetary resettlement. Those who are not resettled and not included in the resettlement plan are allowed to choose their own physical resettlement or monetary resettlement. In order to speed up the shed reform and resettlement, monetary resettlement is encouraged to be preferred.
In terms of personal housing credit support, commercial banks are guided to adjust the down payment ratio of loans, and the minimum down payment ratio is 20% for families who purchase the first home with loans. For families who have settled the first set of housing loans, apply for housing again and implement the first set of housing loan policy. Families who own a house and have not settled the corresponding housing loan will apply for a commercial loan to buy a house again, and the minimum down payment ratio is 30%.
"Notice" also mentioned that the implementation of housing deed tax subsidies.
Give 100% subsidy to those who buy houses from June 16 to February 3, 2022; 50% subsidy will be given to those who buy houses from June 30, 2023 to June 30, 2023.
In terms of corporate financial support, it is necessary to increase support, guide commercial banks to extend and renew loans to bailed-out enterprises, increase the issuance of M&A loans, and support the personal mortgage in trouble to repay the principal and interest during the year. Encourage all commercial banks to actively explore the credit model of moderately separating project financing from the overall situation of enterprises, implement closed management of credit projects, and provide financing support for high-quality real estate development projects. Encourage enterprises to raise funds by issuing bonds and other means to further broaden financing channels. Establish a corporate bail-out system. Explore the establishment of a bail-out system, encourage state-owned platforms, high-quality housing enterprises and financial institutions to set up specialized companies, and implement measures such as capital injection or mergers and acquisitions for problem buildings with broken capital chains but normal operation.
In addition, it is necessary to optimize the supervision of pre-sale funds. Commercial housing pre-sale funds are divided into key supervision funds and non-key supervision funds, and non-key supervision funds may not enter the supervision account. For development enterprises with high credit rating, the unforeseeable fee shall be cancelled. Qualified financial and guarantee institutions are allowed to issue letters of guarantee for development enterprises, which will replace the supervision funds of the same amount. Pre-sale funds are given priority for project construction. Establish and improve the preservation of pre-sale funds for commercial housing, and implement the "linkage mechanism between the government and the hospital". Ensure that the project progress payment of the construction unit cannot be allocated in place due to litigation preservation and the execution of funds in the pre-sale fund supervision account, and the construction of commercial housing projects will stop, which will affect the completion and delivery of the project.
This notice shall come into force as of the date of issuance and shall be valid until June 30, 2023.