news

한어Русский языкEnglishFrançaisIndonesianSanskrit日本語DeutschPortuguêsΕλληνικάespañolItalianoSuomalainenLatina

policies supporting housing purchases continue to be introduced in many places.

on august 29, the provident fund loan policy in nanjing, jiangsu was further relaxed, with the loan term extended from 5 years after retirement to 10 years; the restriction that "using provident fund loans to purchase a second home, the per capita building area of ​​the original first home must not exceed 40 square meters" was cancelled.

on august 28, chenzhou, hunan province issued new policies to stabilize the real estate market, which proposed to reduce the down payment ratio, cancel the lower limit of the interest rate policy, increase the provident fund loan amount, reduce the provident fund down payment ratio, provide housing purchase subsidies, and ensure the coordinated enrollment of children of home buyers.

nanjing housing provident fund loan policy further relaxed

on august 29, according to the official account of "nanjing radio and television station", a new round of loan optimization policies for nanjing housing provident fund have been announced recently. the new policy has made adjustments in many aspects such as the provident fund loan term, housing unit identification, and loan number identification.

it is understood that this time the adjustment of nanjing's provident fund policy is shared by nine cities in the nanjing metropolitan area, including changzhou, zhenjiang, yangzhou, huai'an, wuhu, ma'anshan, chuzhou and xuancheng.

among them, the loan period is extended. if the housing provident fund has been paid continuously for 5 years, the provident fund loan period will be extended from 5 years after retirement to 10 years after retirement; if the applicant for the provident fund loan is married, the loan period will be calculated according to the longer loan period of the applicant, and no distinction will be made between the main borrower and the spouse.

at the same time, the recognition standards for the first set of housing provided for housing provident fund loans and commercial loans are unified, that is, the recognition conditions for the first and second sets of housing provident fund loans are determined by commercial banks. for combined loans, commercial loans are recognized as the first set, and housing provident funds are also the first set, and the first set interest rate is applied.

in addition, the number of housing provident fund loans will be calculated according to the number of properties identified at the time of the loan, and historical housing provident fund loan records will no longer be checked; the restriction that "the per capita building area of ​​the first house purchased with a housing provident fund loan shall not exceed 40 square meters" will be cancelled. however, the policy of not allowing applications for housing provident fund loans for houses with outstanding housing provident fund loans will continue to be implemented.

in addition, the maximum amount of provident fund loans for families with many children has been increased, and the restrictions on first-time home buyers have been cancelled. regarding the maximum amount of provident fund loans for families with many children, the first-time home buyer could only be increased to 600,000 yuan per person and 1.2 million yuan per household before, but the restrictions on first-time home buyers have now been cancelled.

zhao qian, a senior analyst at the nanjing branch of china index academy, believes that the new housing provident fund policy in nanjing involves important contents such as the term of housing provident fund loans, the down payment ratio of loans, the number of housing units and the number of loans. this adjustment changes everything from the amount to the interest rate of the second set of houses; and the adjustment of the new housing provident fund policy is shared by 9 cities in the nanjing metropolitan area, including changzhou, zhenjiang, yangzhou, huai'an, wuhu, ma'anshan, chuzhou, and xuancheng. the optimization and adjustment of the provident fund policy is conducive to reducing the cost of home purchase, which not only helps to improve the purchasing power of home buyers, but also provides support for the healthy development of the nanjing real estate market. since 2023, nanjing's provident fund policy has undergone many adjustments, involving many aspects. this adjustment is obviously beneficial to some home buyers who urgently need to use provident fund loans.

chenzhou releases new policy to stabilize property market

on august 28, according to the "chenzhou housing and urban-rural development" public account, the chenzhou municipal government office issued a notice on "several measures to promote the stable and healthy development of the real estate market in chenzhou city".

among them, in terms of credit support policies, for families who own one house and have paid off their home purchase loans, if they apply for loans again to purchase commercial housing to improve their living conditions, financial institutions will implement the first home loan policy. the minimum down payment ratio for commercial loans for the first home is adjusted to no less than 15%, and the minimum down payment ratio for commercial loans for the second home is adjusted to no less than 25%, and the lower limit of the commercial loan interest rate policy for the first and second homes is cancelled.

in terms of housing provident fund support, it is proposed that the maximum loan amount for employees who pay both housing funds and employees who pay only housing funds and meet the new talent introduction policy of chenzhou city to purchase newly built commercial housing will be increased from 600,000 yuan to 700,000 yuan. for resident families who own one house and have paid off the corresponding housing loan, if they apply for a housing provident fund loan to buy a house again to improve their living conditions, the minimum down payment ratio will be reduced from 30% to 20%. for employees with a small balance of housing provident fund deposits, if they have sufficient repayment ability, they can increase the loan amount by adding other housing mortgages or pledging other people's provident funds.

in terms of housing purchase subsidies, it is proposed that before march 1, 2025, those who purchase newly built commercial housing in the central urban area of ​​chenzhou city will receive a financial subsidy of 50% of the deed tax paid.

in terms of supporting the housing needs of talents and other groups, it is proposed to promote the implementation of the "52 new talent policies in chenzhou" and provide housing subsidies to various types of talents introduced in accordance with the new policy standards. support developers to provide reasonable discounts for the first purchase of new commercial housing for special groups such as college graduates, young teachers, young doctors, sanitation workers, auxiliary police, retired soldiers, preferential treatment recipients, and brave people who start businesses and work in chenzhou.

the new policy also proposes to support non-chenzhou city residents to buy houses in chenzhou. for those who buy newly built commercial housing in chenzhou city, their children who are in compulsory education can be enrolled in school by the education department with the online signed and registered contract and the deed tax payment certificate.