Pan 'an County, Zhejiang Province: Increase the amount of provident fund loans and encourage financial institutions to reduce down payment and interest rates.

On August 2, the Housing and Urban-Rural Development Bureau of Pan 'an County, Jinhua City, Zhejiang Province issued the Announcement on Public Solicitation of Opinions.

Increase the loan amount and issue housing subsidies.

Increase support for personal housing mortgage loans. According to the document, financial institutions are encouraged to implement the 20% down payment policy for the first home loan, and the housing loan interest rate is lowered, and the first home loan interest rate 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.

At the same time, Pan 'an County proposed to support the reasonable demand of employees who paid 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 the provident fund apply for provident fund loans to buy a second house, the maximum loan amount for employees to pay the provident fund unilaterally will be raised from 200,000 yuan to 250,000 yuan, and the maximum loan amount for both employees to pay the 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.

Support residents and all kinds of talents to purchase houses reasonably and issue subsidies. From August 1 day, 2022 to February 1 day, 2022, those who purchase new commercial housing in the county and handle the contract filing will be subsidized according to 1% of the contract turnover. All kinds of talents who meet the requirements of the Implementation Measures for Housing Subsidies for Talents in Pan 'an County (Trial) (Pan 'an Renshe No.202233) apply for housing subsidies according to this policy.

Control the scale of commercial real estate: allow businessmen to change their residence and build resettlement houses and affordable housing.

For the current real estate market, Pan 'an county proposes to improve the reasonable supply structure of the market, which involves controlling the scale of commercial real estate and destocking non-residential commercial housing.

The document proposes that for the non-residential commercial housing land that has been sold but has not yet been built, under the premise of meeting the carrying capacity of public service facilities and basic supporting facilities and the requirements of urban landscape control, the "commercial-residential ratio" can be appropriately relaxed or reduced, and the nature can be adjusted for the development and construction of residential or emerging industries, pension industries, cultural and educational industries, and sports industries. For the adjusted houses, in principle, it is used for the construction of resettlement houses and affordable rental houses.

At the same time, Pan 'an County also proposed to encourage real estate enterprises to transform commercial, office and other non-residential commercial houses into self-sustaining properties. Support real estate enterprises to change from selling non-residential commercial housing to "renting and selling simultaneously" investment model. Non-residential houses (including commercial apartments and commercial houses) that have been built and not sold can be changed into affordable rental houses after application and approval, and they should be reported to water, electricity and gas business units and property authorities in a timely manner. Residents' water, electricity, gas and property fees shall be subject to the standards. If a non-residential house is changed into a residential house after approval, its land use period will remain unchanged.

Improve 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 needs of enterprises: guide financial institutions to implement credit policies for trapped housing enterprises.

Strengthen credit support for real estate projects. 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.

At the same time, the document also proposes to ease the financial pressure of housing enterprises by adjusting the payment method of land transfer fees 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%).

Improve 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 application funds shall not exceed 30% of the amount of supervision funds agreed in the pre-sale funds supervision agreement.