Yangxin County, Hubei Province: The maximum subsidy for buying a new house is 1.2 million yuan.

On August 23, Yangxin County, Huangshi City, Hubei Province issued the Notice on Promoting the Stable and Healthy Development of the Real Estate Industry in Yangxin County (hereinafter referred to as the Notice), proposing ten measures such as optimizing the supervision of pre-sale funds and implementing housing subsidies.

Promote housing consumption: grant subsidies and expand the scope of provident fund loans.

The "Notice" proposes to implement the subsidy policy. During the period from September 1 2022 to February 28, 2023, those who buy new commercial housing within Yangxin New Town (except those who are handled by the administrative office and enjoy the policy of demolition and shed reform) will be given a subsidy of 5,000 yuan if they buy housing with an area of 70 square meters or less with the purchase record contract; 70 square meters-100 square meters subsidy 8000 yuan; /kloc-subsidy over 0/00 square meters 12000 yuan.

The document shows that Yangxin County will expand the scope of provident fund loans. Housing provident fund deposit in different places in the county to buy a house, enjoy the same housing provident fund loan policy as the county paid workers; Eligible, you can apply for housing provident fund portfolio loans.

At the same time, the county will implement the policy of "Xinyang Newcomer". For "Xinyang Newcomers" with full-time postgraduate education or professional skills above technician level, when purchasing the first set of housing, the maximum loan amount paid by a single employee (provident fund) will be raised from 500,000 yuan to 600,000 yuan, and the maximum loan amount for purchasing the second suite will be raised from 400,000 yuan to 500,000 yuan. The maximum amount of loans for couples and dual-employee families will be raised from 600,000 yuan to 700,000 yuan, and the maximum amount of loans for buying second-hand houses will be raised from 500,000 yuan to 600,000 yuan. This policy is valid until June 2023 10.

Financial aspect: differentiated credit policy and relaxed loans overdue treatment.

The document shows that differentiated housing interest rates and down payment policies are implemented. The lower limit of the interest rate of the first commercial personal housing loan should be no less than 20 basis points lower than the quoted interest rate of the loan market in the same period; The lower limit of the interest rate policy for two sets of commercial personal housing loans shall be implemented according to the existing regulations. Encourage banking financial institutions to adjust the interest rate of commercial personal housing loans according to market changes. The minimum down payment ratio for the first home loan is 20%, and that for the second home loan is 30%. For those who have 1 apartment in the county but have settled their home purchase loans and apply for loans again, the first home loan policy will be implemented.

Relax the policy of handling overdue loans. If the housing provident fund loan cannot be returned normally before June 5438+February 3, 20221day due to the epidemic, it is not overdue and will not be submitted to the credit information department as an overdue record. After the expiration of overdue treatment, the loan personnel shall return all the outstanding housing provident fund loan principal and interest, and perform the repayment obligations normally in accordance with the loan contract.

For those who have lost their sources of income due to the epidemic, financial institutions adjust their repayment plans by reasonably delaying repayment time, extending loan term and delaying repayment of principal. Adhere to the substantive risk judgment of deferred loans, not simply downgrade the loan risk classification due to epidemic factors, not affect the credit record, and waive the penalty interest.

Purchase of stock houses and optimization of fund supervision

At the same time, we will promote the housing replacement work of shed reform and demolition. In accordance with the spirit of shed reform, we will continue to intensify the transformation of old communities and shanty towns. Purchase housing with reasonable price and moderate area from urban commercial housing inventory for shed reform and demolition and replacement housing, and speed up destocking.

For housing enterprises, Yangxin County also proposed to optimize the supervision of pre-sale funds of commercial housing. On the premise that the down payment, mortgage loans issued by commercial banks and other forms of house purchase funds are all deposited in the supervision account, real estate development enterprises with good credit records are allowed to replace the key supervision funds of the same amount by bank guarantee, with a maximum of 50% of the key supervision funds.

In terms of reasonable residential land for suppliers, we should stabilize the supply of residential land and strengthen the management of the total amount, rhythm, layout and commercial-residential ratio of residential land for new suppliers. Unified management and orderly transfer of business land in counties and urban areas. Properly handle the commercial-residential relationship, and it is strictly forbidden to have a development model of commercial-residential integration. Reasonably restrict residential land and increase commercial and public facilities.

Conduct a "factory certificate". Guide buyers to apply for transfer of ownership registration when applying for advance notice registration of new commercial housing, fully implement the "certificate upon delivery" of new commercial housing projects, and give credit points to real estate enterprises that implement the "certificate upon delivery".

Strengthen property management and improve the quality of life. Improve the management level of property services in newly-built residential quarters, strengthen internal control and management, improve the planning and layout of residential greening, kindergartens, parking spaces and other supporting facilities, improve residents' living experience and improve living quality. New residential areas in urban areas strive to reach the level of smart property management.