Pan 'an County, Zhejiang Province: The maximum amount of provident fund loans is 800,000, and the amount of three-child families has increased by 20%.

According to the people's government of Pan 'an County, Jinhua City, Zhejiang Province, on September 1 day, the county issued the Notice on Printing and Distributing (hereinafter referred to as the Notice), involving measures such as reducing the down payment ratio and deed tax subsidies 15.

The amount of provident fund loans for triplet families can rise by 20%

The "Notice" shows that Pan 'an County encourages financial institutions to implement the 20% down payment policy for the first home loan and lower the interest rate of housing loans. The interest rate of the first suite is lowered to the loan market quotation of the corresponding term minus 20 basis points. Support and guide financial institutions to implement the first home loan policy 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.

Support the reasonable needs of employees who deposit provident fund. Employees who have paid in full for more than 6 months in a row can apply for housing provident fund personal housing loans. If employees who have paid the provident fund apply for provident fund loans when purchasing the first house, the loan amount for single employees to pay the provident fund will be increased from 300,000 yuan to 400,000 yuan, and the loan amount for dual employees to pay the provident fund will be increased from 600,000 yuan to 800,000 yuan. If employees who have paid provident fund apply for provident fund loans when buying two houses, the maximum loan amount for employees to pay provident fund unilaterally will be raised from 200,000 yuan to 250,000 yuan, and the maximum loan amount for employees to pay provident fund will be raised from 400,000 yuan to 500,000 yuan. For families who do not own houses and need to rent houses, the maximum annual withdrawal amount will be raised from 24,000 yuan to 30,000 yuan. According to the national policy, families with three children can apply for provident fund loans when buying a house, and the loan amount can be increased by 20% within the prescribed loanable ratio and multiple of the balance of individual provident fund accounts.

At the same time, the county proposed to support residents and all kinds of talents to purchase houses reasonably. From August 12, 2022 to September 30, 2022, those who purchase the first set of new commercial housing and pay deed tax will be subsidized according to 100% of the deed tax paid; Those who buy two or more new commercial houses and pay deed tax will be subsidized according to 80% of the deed tax paid. During the period from March 1 year 1 October1day to February1day, those who purchase the first set of new commercial housing and pay deed tax will be subsidized according to 80% of the deed tax paid; Those who buy two or more new commercial houses and pay deed tax will be subsidized according to 60% of the deed tax paid.

During the period from August 12, 2022 to February 1 2022, if new commercial real estate is purchased and deed tax is paid, subsidies will be given according to 50% of the deed tax paid.

All kinds of talents' housing subsidies that meet the requirements of the Implementation Measures for Talents' Housing Subsidies in Pan 'an County (Trial) (Pan 'an Renshe [2022] No.33) shall be implemented according to this policy, and the subsidies listed in the preceding paragraph shall not be enjoyed repeatedly.

The above-mentioned house purchase does not include houses for demolition and resettlement (including commercial houses and commercial real estate).

Strictly control the supply of non-residential housing

Pan 'an county proposed scientific and reasonable land supply. Based on the development and utilization of land supply and market inventory, scientifically formulate the annual plan for commercial housing supply, and reasonably determine the total land supply, commercial-residential ratio and time sequence; Strict control of commercial apartments, commercial housing and other non-residential supply.

The "Notice" shows that the county promotes the destocking of non-residential commercial housing. Encourage real estate development enterprises to convert commercial, office and other non-residential commercial houses into self-sustaining properties without affecting the original layout of the project; Support real estate development enterprises to change from selling non-residential commercial housing to "renting and selling simultaneously" investment model. Built unsold non-residential houses (including commercial apartments and commercial houses) can be changed into affordable rental houses after application and approval, and timely report to water, electricity and gas business units and property authorities, and their water, electricity, gas and property fees are collected by residents.

At the same time, Pan 'an county requires improving the quality of commercial housing development. Encourage real estate development enterprises to develop distinctive residential products, and make efforts in housing quality, apartment type, environment and property services to meet the needs of various consumers, increase housing consumption and improve development income. Guide real estate development enterprises to actively adjust development and marketing strategies according to market changes and consumer demand, improve housing quality, and gradually form a multi-level and diversified housing consumption system.

Support the liquidity demand of enterprises: reasonably determine the transfer starting price and improve the profit rate.

The Measures show that credit support for real estate projects should be strengthened. Regularly organize bank-enterprise docking, guide financial institutions to implement relevant credit policies for trapped real estate development enterprises, increase credit support for real estate project mergers and acquisitions in accordance with the principles of legal compliance, controllable risks and sustainable business, and urge financial institutions not to stop lending, draw loans or press loans at will. Financial institutions that support development loans and reduce personal mortgage interest rates will be given priority in adding government financial deposits and fund accounts.

Adjust the payment method of land transfer fee and the proportion of deposit payment. Reasonably determine the transfer starting price and improve the profit rate. Reduce the pressure on enterprises to pay the land transfer fee, and the land contract transfer fee will be paid in two phases, without interest. Pay 50% (including paid deposit) within 30 days after signing the land transfer contract in the first phase, and pay in one lump sum within 6 months after signing the land transfer contract in the second phase. If the transfer price is not paid in full and on time in each installment as agreed in the land transfer contract, a penalty of 1‰ will be added to the daily income in each installment. The deposit payment ratio shall not be less than 20% of the initial transfer price (originally 50%).

In terms of improving the efficiency of the use of pre-sale funds, real estate development enterprises can apply for the use of the same amount of funds in the supervision account of commercial housing pre-sale funds for specific real estate development projects with the guarantee issued by a third-party bank, and the upper limit of the funds applied for use shall not exceed 30% of the amount of supervision funds agreed in the pre-sale funds supervision agreement.