Langfang, Hebei Province: Cancellation of household registration, social security and other restrictive housing purchase qualifications.

On August 9, this newspaper learned from the official website that the People's Government of Langfang City, Hebei Province has recently released a package of measures and supporting policies to steadily promote the stable and healthy economic development of Langfang City.

Among them, the "Clear Card on Six Measures to Support the Healthy Development of the Real Estate Industry" shows that the policy of restricting the purchase and sale of housing should be optimized and adjusted, and restrictive purchase conditions such as household registration and social security (individual tax) that are not suitable for the current real estate market situation should be cancelled. When purchasing the first set, high-end talents who recruit talents and attract talents, executives of investment-attracting enterprises, and those who transfer with Beijing's non-capital function will be treated as local household registration.

At the same time, in the "three northern counties" and the surrounding counties (cities) of xiong'an new area and other key areas, the housing sales restriction period requirements for non-local household registration households will be cancelled.

Wang Xiaoyu, chief analyst of Zhuge Housing Search Data Research Center, pointed out that Langfang, as an area around Beijing, carried the demand for housing overflowed from Beijing a few years ago, and the market turnover was considerable, especially in Yanjiao, Gu 'an and Xianghe areas. 20 17 Langfang has introduced the purchase restriction policy for five years, and the surrounding markets in Beijing have dropped significantly in the past five years.

According to the monitoring data of Zhuge Housing Search Data Research Center, in 20 16 years, 49,820 new commercial houses were built in the main urban area of Langfang, and the annual turnover remained at around 10000. Since the beginning of this year, affected by the local epidemic, the transactions in Gu 'an and Xianghe around Beijing have been even more depressed. In the first half of the year, the turnover of Langfang was only 6763 sets, only 40% of last year's turnover level.

Wang Xiaoyu believes that under the circumstances that the local housing demand is weak and the current real estate market is under great pressure, it is necessary for Langfang to cancel the purchase restriction, which can alleviate the relatively depressed situation of the local property market.

According to the data of Anjuke platform, the average price of new houses in Langfang in August was 1 179 1 yuan/square meter, up 0. 1 1% from the previous month and down 3% from the peak in September last year.

In meeting the reasonable capital demand of the real estate industry, "reasonably meeting the development loan demand of real estate development enterprises" has been added. Winning numbers shows that banking institutions should distinguish between high-quality projects and real estate enterprise group risks according to the principles of legal compliance, controllable risks and sustainable business, and provide development loan support for projects with controllable risks and sufficient guarantees. Do a good job in financial services for mergers and acquisitions of risk disposal projects of key real estate enterprises, focus on supporting mergers and acquisitions of large-scale real estate quality projects that are out of danger and difficult, reasonably determine the financing period, and improve financing efficiency. For risky and difficult real estate enterprise projects, M&A loans are not included in the centralized management of real estate loans for the time being. Increase investment in working capital loans for construction enterprises.

It is worth mentioning that Langfang Municipal Government issued "Six Policies and Measures on Supporting the Healthy Development of Real Estate Industry in a Benign Cycle" on June 17 this year, but only five policies and measures were displayed at that time. The first one showed "(omitted)".

According to the above-mentioned "Policy Measures", in meeting the reasonable capital demand of the real estate industry, it is planned to increase the investment of qualified personal housing mortgage loans to meet the financing demand in time. Reasonably determine and promote the implementation of the minimum down payment ratio of commercial personal housing loans; For households who purchase ordinary self-occupied housing by loans, the lower limit of the interest rate of the first set of commercial personal housing loans is adjusted to not less than the quoted interest rate of the loan market minus 20 basis points in the same period, and the weighted average interest rate of new personal housing loans in August 2022 in the city is lower than that in April by 30 basis points; The lower limit of the interest rate policy for two sets of commercial personal housing loans shall be implemented according to the existing regulations.

At the same time, further reduce the down payment ratio of housing provident fund loans. If the paid employees use the housing provident fund loan to purchase the first family-occupied housing, the down payment ratio shall not be less than 20%. For the paid workers' families who own 1 house and have settled the corresponding housing loan, they should apply for housing provident fund loans again to buy ordinary self-occupied houses, and the down payment ratio should not be less than 20%. For the paid employee families who own 1 apartment but have not settled the corresponding commercial personal housing loans, they should apply for housing provident fund loans again to buy ordinary self-occupied housing, and the down payment ratio should not be less than 30%.

In terms of fully ensuring the reasonable housing demand of imported talents, the policy proposes that all localities can subsidize the introduction of high-end talents [the specific scope is determined by counties (cities, districts) in combination with the actual situation, and the maximum loan amount of housing provident fund is increased; Renting a house locally can give rent subsidies.

In terms of opening channels for resettlement housing, affordable rental housing and stock commercial housing, the policy is clear, and it supports all localities to use stock commercial housing as an important channel to raise resettlement housing for shantytown renovation, urban village renovation and affordable rental housing in light of local conditions. Allow the resettled people to choose monetary resettlement, off-site physical resettlement and off-site resettlement independently.