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in recent days, many places have continued to take measures to stabilize the property market.

on september 9, zhengzhou, henan province, issued a new housing provident fund policy, which proposed that the maximum amount of provident fund loans for families who use provident fund loans for the first time or purchase their first self-occupied housing will be adjusted to 1.3 million yuan; the maximum amount of provident fund loans for families who use provident fund loans for the second time and purchase their second self-occupied housing will be adjusted to 1 million yuan. the maximum amount of provident fund loans for families with many children will be increased by 20% according to the corresponding amount. in addition, for those who purchase allocated affordable housing, the minimum down payment ratio of provident fund loans is 15%.

on september 6, luzhou, sichuan, issued a new policy to stabilize the property market, which proposed that new housing purchases would be subsidized according to the building area, with a maximum subsidy of 80,000 yuan for a single house, and a maximum subsidy of 100,000 yuan for a single house for a luzhou household with multiple children. at the same time, consumer coupons will be issued at 50% of the deed tax paid for new houses. in addition, the lower limit of the commercial loan interest rate policy for the first and second houses will be abolished, and those who do not have a house within the district or county where the house to be purchased is recognized as the first house, and support will be provided for the use of the housing provident fund of parents or children when purchasing a house.

zhengzhou adjusts housing provident fund loan policy

on september 9, zhengzhou housing provident fund management center issued the "notice on matters concerning housing provident fund deposits and loans" (hereinafter referred to as the "notice").

the notice proposes that the maximum amount of housing provident fund loans for families who use housing provident fund loans for the first time or purchase their first self-occupied housing will be adjusted to 1.3 million yuan; the maximum amount of housing provident fund loans for families who use housing provident fund loans for the second time and purchase their second self-occupied housing will be adjusted to 1 million yuan. the maximum amount of housing provident fund loans for families with multiple children will be increased by 20% according to the corresponding amount.

at the same time, those who purchase allocated affordable housing within the administrative area of ​​zhengzhou city can apply for housing provident fund loans in accordance with the "notice of the zhengzhou municipal people's government on issuing the management measures for allocated affordable housing in zhengzhou (trial)" and the "zhengzhou housing provident fund allocated affordable housing loan management measures (trial)". the minimum down payment ratio for allocated affordable housing loans is 15%.

in addition, the united commercial bank will open a combined loan business for newly traded stock houses in a timely manner. newly traded stock house loans and "commercial-to-public loans" are subject to house price evaluation. the loan term for stock houses plus the building years of the house shall not exceed 50 years, and the longest loan term shall not exceed 30 years.

in addition, flexible employment personnel who have applied for housing provident fund loans can try to implement a loan-based payment policy. after the loan is taken out, they can transfer their deposit account, sign a loan repayment agreement, and other services to make deposits to the housing provident fund and repay the principal and interest of the loan.

the "notice" also proposes that those who meet the conditions for housing provident fund loans and use the "old for new" method to purchase newly built commercial housing within the administrative area of ​​zhengzhou city can apply for housing provident fund loans through the "green channel" of the housing provident fund service hall, which will be accepted and approved immediately.

luzhou releases new policy to stabilize property market

on september 6, the wechat official account "luzhou release" released the "policy measures on further promoting the stable and healthy development of the real estate market" (hereinafter referred to as the "measures").

the measures propose to carry out activities to benefit the people and promote consumption through housing purchases. buyers who purchase newly built commercial housing or first-hand parking spaces (garages) on the list of activities provided by participating reward and subsidy enterprises within the land use planning scope of the central urban area (including the central peninsula, the north city group, the west city group, the south city group, the gaoba group, the shaxi group, the naxi group, the tai'an-huangfu group, and the anning-shidong group) and complete the online signing and filing will be given a one-time housing purchase subsidy. a single housing source and a single parking space (garage) can only enjoy a one-time housing purchase subsidy.

from september 10, 2024 to june 30, 2025, those who purchase newly built commercial housing will receive a subsidy of 600 yuan per square meter based on the building area, and the total subsidy for a single house will not exceed 80,000 yuan; families who give birth to two or three children in accordance with national policies and whose household registration is in luzhou city will receive a subsidy of 800 yuan per square meter based on the building area, and the total subsidy for a single house will not exceed 100,000 yuan; those who purchase a first-hand parking space (garage) will be given a subsidy of 10,000 yuan per unit.

if the buyer has purchased newly built commercial housing within the land use planning scope of the central urban area (including the central peninsula, north city group, west city group, south city group, gaoba group, shaxi group, naxi group, tai'an-huangfu group, and anning-shidong group) and paid the stamp duty between september 10, 2024 and december 31, 2025, a consumption coupon will be issued at 50% of the stamp duty paid.

at the same time, we will increase policy support for home purchases. cancel the lower limit of the interest rate policy for commercial personal housing loans for the first and second homes. for new home purchases within the city, if the buyer does not own a home within the district or county where the proposed home is located, the home will be deemed as the first home. support commercial banks to handle commercial personal housing loan business according to the number of recognized homes. implement intergenerational mutual assistance for housing provident funds, and support depositors to apply to use their parents' or children's housing provident funds when purchasing a home.

in addition, vigorously promote "housing voucher" resettlement. encourage counties and districts with conditions to implement resettlement through issuing "housing vouchers" in collective land demolition, state-owned land housing expropriation, relocation to important geological disaster risk points, urban village reconstruction, and shantytown (urban dilapidated housing) reconstruction.

in addition, the "old for new" campaign is encouraged. real estate developers, state-owned enterprises, real estate brokerage agencies and homebuyers are encouraged to carry out the "old for new" campaign for commercial housing in a market-oriented manner. districts and counties with conditions are supported to promote the renovation of shantytowns (dilapidated urban houses) through government guidance, residents' independent renovation, and market-oriented operations, demolish old houses and build new ones, and eliminate existing dilapidated houses.

the above-mentioned measures also propose to actively support the acquisition of existing commercial housing. actively support qualified districts and counties to purchase existing commercial housing in pilot areas at reasonable prices for the purpose of allocating and leasing affordable housing, and financial institutions to provide support by issuing acquisition loans. state-owned enterprises are encouraged to purchase existing commercial housing for public service purposes such as elderly care and childcare.