Haimen housing subsidy policy 2022

Nantong loan policy

Just now, the central bank released the latest LPR data. The LPR of 1 year is 3.7%, and the LPR of more than 5 years is 4.45%, which means that the future mortgage interest rate can be as low as 4.25%.

Pure commercial loans:

Nantong commercial loan policy recognizes loans but does not recognize houses.

1. There is no commercial housing loan record in Nantong and other cities, and this is the first time to purchase a house; 2. I have a mortgage record in Nantong and other cities, but I have paid it off, which is also the first suite; 3. In Nantong and other cities, the loan of a first suite is not paid off, which is counted as a second suite, and the down payment ratio and interest rate are calculated according to the second suite.

However, at present, a number of banks said: Now the customer's credit status is good, the first set can be 20%, and the minimum down payment for the second suite is 30%.

The stronghold praised Nantong WeChat official account. At present, the interest rate of Nantong's first home loan is 4.4%. In the near future, we will learn about the adjustment of mortgage interest rate after this interest rate cut.

It is worth noting that in April this year, many banks in Nantong gave a policy of delaying repayment of loans during the epidemic, with the shortest delay of 28 days and the longest delay of 6 months, in an effort to help everyone reduce the repayment pressure during the epidemic.

Whether the current policy continues or not, the loan repayment personnel need to consult the bank.

Provident fund loan:

1 loan requirements: housing provident fund shall be paid in full for more than 6 months (including 6 months);

2 down payment ratio: the down payment ratio of the first suite is 30%. After the first suite provident fund loan is paid off, the second suite can use the provident fund with a down payment ratio of 40%;

3 loan amount: the first set of single person is up to 400,000, two people (husband and wife) are up to 800,000, and the second suite is up to 200,000;

4. Loan term: no more than 30 years, the longest can be calculated to 5 years after the legal retirement age of the loan applicant, and no more than 65 years old;

5 The identification of the first suite, the second suite and the third suite is as follows:

In addition, Nantong City (Chongchuan District, Development Zone) has provident fund loans under its family name; There are two or more repayment records of provident fund loans in the name of family members in the past five years; Family members who own two or more houses in Nantong are not allowed to use provident fund loans.

Commercial loans to pure provident fund (portfolio) loans:

The amount of portfolio loan is the sum of the amount of provident fund and the amount of commercial loan.

1, and the amount of provident fund is determined according to the method for determining the amount of housing provident fund in Nantong;

2. The commercial loan amount is determined as follows: commercial loan amount = smaller value (evaluation value and online signing price) * commercial loan amount-provident fund loan amount.

2

Nantong subsidy policy

The housing subsidy policy and talent subsidy policy introduced by Nantong counties and cities are not the same. Among them, Tongzhou District, Rudong County and Rugao City have recently introduced new housing subsidy policies.

Rugao city

1 housing subsidy

Housing subsidies of 1% of the total house price shall be given to houses with a construction area of less than 90㎡ (inclusive); Housing subsidies of 65438+ 0.5% of the total housing price will be given to houses with a construction area of more than 90㎡. (Maximum subsidy to 144m2)

2 Talent housing subsidies are in 800 yuan /m2, such as full-time doctoral or master graduates or deputy senior titles; Employment and entrepreneurship subsidies in 500 yuan /m2. (Two items are not enjoyed repeatedly)

Note: Employed persons refer to those who have signed a labor contract with the employer in our city for more than six months or worked in the employer in our city for more than six months, and may also be members of social organizations registered in our city;

Entrepreneurs refer to the shareholders or legal representatives of enterprises in our city, or individual industrial and commercial households who have obtained business licenses for three months in our city.

Subsidies for families to buy their first or second homes.

Two-child subsidy 400 yuan/m2; Family with three children 600 yuan/m2.

Note: the above policies can be enjoyed repeatedly, and the subsidy policy is only enjoyed once by a family.

The implementation period is announced from May, 2022 14, and the implementation period is tentatively set at one year.

The application period is that the application formalities must be completed within one year after the house payment is paid, and the application will not be accepted after the expiration.

Rudong county

1 Housing subsidies for highly educated talents and self-employed talents

Note: The subsidy standard for highly educated talents who have signed a labor contract with the employer in our county for more than 1 year (or an employment certificate issued by the employer for more than 1 year) and have paid social security in our county for 6 months, or self-employed talents who have obtained a business license for more than 1 year and have a tax record to buy commercial housing in our county.

1. Full-time doctoral graduate with full-time senior title, 800 yuan/m2; 2. Full-time master graduates, associate senior titles and senior technicians, 600 yuan/m2; 3. Full-time undergraduate graduates and technicians, 500 yuan/m2; 4. Full-time college graduates (including technical colleges), such as graduates from Rudong technical secondary schools and cooperative schools, 400 yuan /m2.

The above policies are not repeated with the subsidy policy for talent purchase that has been introduced in our county. Those who meet the conditions can choose by themselves.

2. Housing subsidies for students with bachelor degree or above.

For students with full-time bachelor degree or above in East China who buy commercial housing in this county, the county finance will give 500 yuan /m2 housing subsidies.

3. Provide housing subsidies for families with two or three children.

Note: Subsidy standard for families who have given birth to two or three children (children are under 18 years old since the implementation date of these measures, and have given birth to two or three children by the implementation date) to purchase commercial housing in this county.

1. Two-child family, 400 yuan/m2; 2. Three-child family, 600 yuan /m2.

4 foreigners purchase subsidies

If the household registration personnel outside Rudong County who have signed a labor contract with the employer in our county for more than 1 year and paid social security for 6 months or obtained a business license for over 1 year and have a tax payment record buy commercial housing in this county, the county finance will give 400 yuan /m2 housing subsidy.

5 deed tax subsidy

During the implementation period of these measures, where the above policies are enjoyed, the county finance will give 50% subsidies to the deed tax paid by the buyers; The county finance gives 80% subsidy to the deed tax paid by those who do not enjoy the purchase.

Note: The application period is May 1 day, 2022 to February 3 1 day, 2022, subject to the filing time of online signing of commercial housing sales contracts.

Tongzhou district

1 housing subsidy object

Employees of registered enterprises in Tongzhou District who are stably employed and have paid social security 12 months continuously will purchase the first ordinary commodity housing in this district.

2 Purchase subsidy amount

Subsidies of 1% of the total house price shall be given to those below 90㎡ (inclusive), and subsidies of 1.5% of the total house price shall be given to those above 90㎡ (inclusive).

For eligible dual-employee families (immediate family members purchase houses), the first set of newly-built 144㎡ ordinary commodity houses (inclusive) will be subsidized by 2% of the total house price.

Note: The registered area of common commercial housing property right does not exceed 144m2 (inclusive), excluding second-hand houses.

3 purchase subsidy time

It is necessary to purchase the first set of newly-built ordinary commodity housing in Tongzhou District from March 2, 2022 to March 20, 2023.

4. Time limit for applying for housing subsidies

Employees of enterprises that need to purchase houses shall apply for housing subsidies within 60 days after obtaining the real estate license. If it is not done within the time limit, it will be deemed as a waiver and will not be accepted.

Talents can also enjoy the following new policies:

Nantong City

According to 20021April, the municipal government recently issued "Several Policy Opinions on Building a Higher-level Innovative City", which includes two housing subsidy policies for talents.

According to July 20265438 15, Nantong Human Resources and Social Security Bureau issued the Detailed Rules for the Implementation of Living Allowance and Housing Allowance for High-level Innovative Talents in Urban Enterprises in Nantong.

According to 202 1, 1 1 and 29, Nantong once again issued "Several Policies on Further Improving the Development Index of Youth-friendly and Talent-friendly Cities".

Haimen district

Haian city

Qidong city

three

Nantong settlement policy

In order to introduce talents, in April, 20021,Chongchuan District completely liberalized the restrictions on settlement.

At the same time, in view of this group of people, Nantong has issued relevant subsidy policies for buying houses and renting houses:

1 Employees who have settled in Nantong and have no housing can apply for employee apartments by their enterprises and enjoy a subsidy of half the rent for up to 3 years.

Employees who are employed in enterprises in Chongchuan District and have no housing, master's degree or associate senior title and senior technician level apply for renting talent apartments and enjoy three-year rent reduction subsidies; High-level talents enjoy full rent subsidy for 3 years.

If the newly introduced innovative talents of the enterprise buy houses for their own occupation, the leading talents can get a one-time housing subsidy of up to 654.38+0.5 million yuan; With a doctorate or senior title, you can get a one-time housing subsidy of 500 thousand yuan; With a master's degree or deputy senior title, senior technician level, can get a one-time housing subsidy of 200 thousand yuan.

2. Comprehensive subsidies of 65,438+0,000 yuan per month will be given to undergraduate graduates of ordinary colleges and universities who are employed for the first time after July 65,438,2065,438.

four

Nantong transaction tax

The first set under the family name 1: if the construction area is less than or equal to 90 ㎡, the deed tax rate is the transaction price or1%of the approved taxable value; The construction area is > 90m2, and the deed tax rate is 65438+ the transaction price or 0.5% of the approved taxable value;

2. Two sets under the family name: if the construction area is less than or equal to 90 ㎡, the deed tax rate is the transaction price or1%of the approved taxable value; The construction area is more than 90㎡, and the deed tax rate is 2% of the transaction price or approved taxable value;

Three or more sets under the family name: regardless of the construction area, the deed tax rate is 3% of the transaction price or the approved taxable value.

five

Nantong sales restriction policy

At present, Nantong is not limited to purchase, and only some areas or properties are limited to sale.

Urban area:

For newly-built ordinary commodity housing projects whose sales price is obviously lower than that of similar products around, transfer restriction measures shall be implemented, and the purchaser can only go through the transfer registration after five years from the date of obtaining the property right certificate.

Qidong City:

1. Commercial houses (including second-hand houses) purchased by Qidong residents within Qidong City can be listed and traded normally after the registration of real estate ownership.

Commercial houses (including second-hand houses) purchased by non-Qidong residents outside Qidong city (Dingcanggang Road in the east, Jiang Yan Highway in the south, Xiyuan Road in the west and Zhanqian Road in the north) can be listed and traded normally after the real estate ownership is registered by itself;

2. Commercial houses (including second-hand houses) purchased within the urban area of Qidong City (Dingcanggang Road in the east, Highway along the Yangtze River in the south, Xiyuan Road in the west and Zhanqian Road in the north) shall still be implemented according to the original regulations, that is, they shall not be listed and traded within three years from the date of online signing, and second-hand houses shall not be listed and traded within three years from the date of property right change.