The property market policy reappears a one-day tour: the new policy of "down payment by installment" in Jiyuan, Henan Province has been deleted

(Reporter Ji Simin) The property market policy reproduces a one-day tour.

On June 29th, the official micro-signal of Jiyuan Real Estate Administration Bureau reported that the Office of Jiyuan Municipal People's Government of Henan Province issued the Notice on Several Measures to Promote the Stable and Healthy Development of Jiyuan Real Estate (hereinafter referred to as the Notice). In terms of reducing the burden of personal housing consumption, the Notice clarifies that the down payment ratio for residents to purchase the first suite will be reduced to 20%, and encourages real estate development enterprises to collect the down payment by stages, but the longest payment shall not exceed 1 year.

Among them, the policy of "encouraging real estate development enterprises to collect down payment by installments" makes Jiyuan the first city in China to allow down payment by installments.

However, on June 30, the newspaper opened the official micro-signal of Jiyuan Real Estate Administration Bureau again and found that the above policy showed that "the content has been deleted by the publisher".

In this regard, the newspaper called Jiyuan Real Estate Management Bureau, and its internal staff said: "It is not clear" why the policy was deleted and whether a new policy will be introduced later.

According to the Notice on Several Measures to Promote the Stable and Healthy Development of Real Estate in Jiyuan City issued by the Office of the People's Government of Jiyuan City, Henan Province, it is clear that the down payment ratio for residents to purchase the first suite will be reduced to 20%, and real estate development enterprises will be encouraged to collect the down payment by stages, but the longest payment shall not exceed 1 year. Families who own 1 apartment and have settled the corresponding housing loans and need to improve their living conditions can enjoy the first home loan policy if they apply for loans to buy ordinary commercial housing again.

Yan Yuejin, research director of the think tank center of Yiju Research Institute, mentioned that the biggest highlight of Jiyuan's policy is that Jiyuan is the first in the country to allow the down payment installment policy. In the past, the provisions on down payment installment were mostly carried out internally by housing enterprises' funds, which was on the verge of supervision to some extent. Now that the government has clarified this operation, it has actually corrected the function and role of down payment installment. From the perspective of attracting buyers to enter the market, reducing the down payment ratio, allowing "one family to buy a house" and "installment down payment" have their own advantages, which is also the most direct and effective measure to reduce the cost of buyers entering the market and has a positive effect on activating the real estate market.

At the same time, the "Notice" issued by Jiyuan City also mentioned that financial institutions should be guided to increase the personal loan quota, speed up lending and reduce the loan interest rate. Personal mortgage before May 3, 20231,if the mortgage is closed, the principal and interest can be extended for up to one year, and the bank will not apply to the court for auction, sale and other disposal measures; If the bank has applied for execution, the court will not take auction or sale measures temporarily after obtaining the consent of the bank. Mortgage default is not included in the scope of personal credit information.

In terms of increasing support for housing provident fund loans, the notice shows that non-Jiyuan migrant workers who have paid housing provident fund economically can apply for housing provident fund loans in accordance with the same conditions and standards for employees who have paid household registration in Jiyuan City.

At the same time, for employees to buy the first or second set of self-occupied housing, the down payment ratio of housing provident fund loans is 20%, and self-built houses with the nature of rural land allocation are temporarily not included in the total number of family properties.

In addition, the upper limit of the housing provident fund loan amount will be raised, and the maximum loanable amount will be adjusted from 250,000 yuan to 350,000 yuan, and the maximum loanable amount for both husband and wife will be adjusted from 400,000 yuan to 500,000 yuan. On the premise of comprehensively considering the balance of deposit account, deposit time, repayment ability, total house price and other factors, the specific loanable amount is still calculated according to the original method.