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on september 29, wuxi city issued the "notice on several policies and measures to further optimize the stable and healthy development of the real estate market", which involves the identification standards for first-time homes, increasing provident fund support, optimizing commercial loan interest rates, revitalizing existing housing stock, broadening the scope of room ticket use, and 10 major measures including targets.

buying a house across districts can be considered a “first home”

the notice clarifies that in the future, if the buyer purchases a new commercial housing within the urban area of ​​wuxi and there is no commercial housing within the area where the proposed house is located (including the wuxi economic development zone), it can be regarded as the first home.

assuming that a home buyer does not have commercial housing in wuxi economic development zone, but has two sets of commercial housing in other districts, when purchasing a house in the economic development zone, he can count the first house and enjoy the down payment ratio and loan interest rate policy for the first house of commercial loans. this policy only applies to commercial loan policies and does not apply to provident fund and related tax policies.

the notice pointed out that when employees purchase self-occupied houses within the administrative area of ​​wuxi city and apply for housing provident fund loans, they can combine the rental withdrawal amount of the current year and the previous year with their personal account balances to calculate the amount of family housing provident fund loans.

flexible employment personnel are supported to contribute to and use the housing provident fund. all types of personnel with full civil capacity who are over 16 years old and have not reached the statutory retirement age and are flexibly employed in wuxi city in part-time, self-employed, new business formats, etc. can apply. the provident fund is deposited and used, and certain subsidies are provided to qualified flexible employment personnel.

the notice also optimizes the commercial loan interest rate support policy and supports banking financial institutions to independently determine housing loan interest rate levels; banking financial institutions should reasonably determine the specific interest rate level for each loan based on operating conditions, customer credit status and other factors.

this policy is mainly to further reduce commercial loan interest rates in wuxi city. banking financial institutions shall independently and reasonably determine housing loan interest rates in accordance with the relevant financial policies of the people's bank of china. when buyers whose loans have been paid off purchase commercial housing again, they can negotiate with banking financial institutions to implement the first home loan policy.

broaden the scope of room ticket use and increase circulation

the notice clearly clarifies that in addition to purchasing new commercial housing (including residential and non-residential) that are included in the housing information database, room tickets can also be used to purchase parking spaces; room tickets are supported to be transferred once between persons who are levied on the same collection item; room tickets are not supported for second-hand purchase in residential areas, room tickets are allowed to be used to purchase second-hand housing. the original owners of the purchased second-hand houses can enjoy room ticket-related policies when purchasing new commercial housing.

further expand the scope of room ticket use and increase circulation. in addition to purchasing residential and non-residential properties in the housing inventory, room tickets can also be used to purchase parking spaces; within the same expropriation and demolition project, expropriated person a is allowed to transfer the room ticket to expropriated person b for use.

for areas that do not yet support the purchase of second-hand housing with room tickets, if a chooses the room ticket resettlement method, he can use the room ticket to purchase b’s second-hand house and transfer the room ticket to b. b can only enjoy the benefits when purchasing a new commercial house. policies related to room tickets; both parties should agree on the relevant subsidies for room tickets when transferring the second-hand housing agreement and file them with the local collection department. the agreement includes that if b does not purchase a new commercial house within a certain period of time with the room ticket, he will not enjoy the benefits. as for the room ticket subsidy, the room ticket will be cashed out after a certain period of time.

further develop the market for both renting and selling

the notice points out that before applying for a commercial housing pre-sale license or current sales registration certificate, real estate development companies can reasonably determine the reported price based on factors such as location support, product positioning, sales strategy, etc.; after completing the price registration, they can change the planning plan as required and return it. for unsold commercial housing (if factors such as unit type, area, number of units, etc. change), the price registration can be re-registered as a new project.

the notice clearly supports qualified high-quality residential projects. when real estate development companies apply for the allocation of commercial housing pre-sale regulatory funds according to the original 6 nodes, they can withdraw commercial housing pre-sale regulatory funds in advance across one node. further guide real estate development companies to accelerate the construction of improved residential projects, meet the improved needs of home-buying groups, and provide financial support to the projects.

at the same time, in order to speed up the elimination of stock, the notice allows the acquisition of a certain proportion of stock commercial housing for demolition and resettlement or conversion to affordable housing in accordance with the principles of "need-based purchase, voluntary participation, fairness and justice, and precise implementation."support real estate development companies that meet certain conditions to pilot the sale of commercial housing stock in the form of shared property rights to specific groups of people (new employment groups, introduced talents, corporate group purchases) to meet the housing needs of different groups of people.

further cultivate the market for both renting and selling, and for some real estate development companies in need, pilot sales of commercial housing to specific groups of people in the form of shared property rights will be conducted to meet the housing needs of specific groups; specific groups of people who purchase commercial housing in the form of shared property rights can purchase commercial housing within a certain period of time. the remaining property rights will be repurchased within the period. specific pilot policies will be implemented by relevant real estate development companies, and the implementation plan should be reported to the housing and construction department.