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Cover News reporter Yao Ruipeng

Recently, the Chengdu Municipal Housing and Urban-Rural Development Bureau issued a notice that the "old for new" housing policy in Chengdu will be implemented from August 16, 2024, and the "new for old" platform will be officially launched on the 19th. This move is to better meet the people's housing improvement needs, improve the efficiency of housing transaction replacement, and promote the stable and healthy development of the real estate market. On the 21st, the reporter learned from the Chengdu Municipal Housing and Urban-Rural Development Bureau that after the launch of the new platform, it has attracted the attention of many home buyers. Now the popular consultation questions are sorted out and the replies are as follows:

1. How to obtain information on commercial housing projects participating in the “old for new” program?

answer:The Chengdu Real Estate Brokerage Association will work with the Chengdu Housing and Real Estate Association to build a housing "new purchase" platform and carry out the "priority sale for new purchase" activity. On a voluntary basis, real estate developers and brokerage agencies will actively sign up to participate in this event, which will be displayed in batches. Home buyers can log on to the association's official website to inquire about relevant information about the event.

2. How to collect the financial subsidies and consumption coupons mentioned in Article 4 of the notice?

answer:It is encouraged that each district (city) and county formulate measures such as providing financial subsidies and issuing consumption coupons in light of regional realities to promote the "old for new" housing replacement program. The specific standards and implementation time will be determined by each district (city) and county, and relevant information can be obtained from the local housing and construction department.

3. In which situations can one enjoy the first home loan policy in accordance with Article 5 of the Notice?

answer:According to the "Notice of the Ministry of Housing and Urban-Rural Development, the People's Bank of China and the Financial Regulatory Bureau on Optimizing the Standards for Recognizing the Number of Housing Units in Personal Housing Loans" (Jianfang [2023] No. 52), the number of housing units will be determined based on the application or authorization of resident households, and the query results will be issued by the designated department of the municipal government.

Buyers who buy newly built commercial housing (based on the filing date) from the date of implementation of this notice and sell their own housing within 180 days before buying a new house can implement the first mortgage loan policy. Financial institutions can query the filing information through the interface provided by the housing and construction department.

4. How to understand the terms regarding provident fund loans?

answer:If a buyer purchases a newly built commercial housing between the implementation date of this notice and December 31, 2024 (based on the filing time) and applies for a housing provident fund loan, and if he has sold his own housing within 180 days before purchasing the newly built commercial housing (based on the time of real estate transfer registration), the maximum loan amount for a dual-depositor household will be adjusted to RMB 900,000, and the maximum loan amount for a single-depositor household will be adjusted to RMB 500,000.

Those who have applied for but not yet issued housing provident fund loans and meet the above conditions can contact the lending bank to reapply for the loan.

5. Currently, Chengdu is carrying out supervision of loan funds for existing housing transactions to promoteTransfer with pledgeHow is the implementation going?

answer:Chengdu has officially implemented the "Notice on Further Improving "Transfer with Mortgage" by Carrying out Loan Fund Supervision Services for Existing Housing Transactions in Our City" on July 5, 2024, and took the lead in realizing cross-bank handling of "transfer with mortgage" in the country, meeting the needs of existing housing fund supervision and "transfer with mortgage" under various loan models such as provident fund loans, commercial loans, and combined loans. The seller does not need to raise bridge funds in advance to repay bank loans to complete the transfer, shortening the transaction time and reducing the cost of funds. At present, the pilot work has been carried out in Chengdu Hi-tech Zone, Jinjiang District, Qingyang District, Jinniu District, Wuhou District, and Chenghua District, and will be gradually extended to other districts (cities) and counties in the future.