2022-11-18 17:02:01

Housing loans usher in new changes! The threshold

For the housing "just in need", there has been a succession of good news recently:

More and more small and medium-sized cities have joined the team of 20% down payment of the first house loan.

According to the introduction of Zhaoqing Central Sub branch of the People's Bank of China, the policy of reducing the down payment ratio is based on the principle of "implementing policies based on the city", in combination with the changes in the real estate market in Zhaoqing City and the government's regulatory requirements, in order to support the reasonable housing demand of residents and promote the stable and healthy development of the real estate market in Zhaoqing City.

According to the People's Bank of China Zhaoqing Central Sub branch, from 0:00 on June 10, 2022, the minimum down payment ratio of commercial personal housing loans for households to purchase ordinary housing for the first time will be reduced from 25% to 20%.

Housing loans usher in new changes! The threshold of housing purchase across Dawan District continues to decline

Of course, there are rules to follow for each region to reduce the down payment ratio of housing loans.

According to the "Yin Fa [2016] No. 26" document of the People's Bank of China in 2016, in cities that do not implement the "purchase restriction" measures, the minimum down payment ratio of residents' first house is 25% in principle, and each place can fluctuate 5 percentage points downward; For households with one house and the corresponding housing purchase loan has not been settled, the minimum down payment ratio shall be adjusted to not less than 30%.

For cities that implement the "purchase restriction" measures, the individual housing loan policy shall be implemented according to the original provisions.

Housing loans usher in new changes! The threshold of housing purchase across Dawan District continues to decline

▲ Panorama of Zhaoqing New Area. Liang Liang shoots

In addition, nine cities in Dawan District have also introduced new policies on the property market.

Some cities directly relax purchase restrictions; Some cities reduce the down payment ratio to 20%; In some cities, those who have two or three children can buy one more suite; There is also the city's support for the provident fund "one person to buy a house and the whole family to help"; Some cities even directly issue "house purchase vouchers"...

Mr. Fang has sorted out the relevant property market stimulus policies of various cities in the Bay Area since the beginning of the New Year:

Zhaoqing: The down payment proportion is reduced to 20%

Guangzhou: Lower the threshold of entry in the outer area

Shenzhen: The housing loan interest rate is lowered

Foshan: The number of purchase restricted areas decreased, and the proportion of down payment decreased

Dongguan: You can buy one more suite

[P] if you have two or three children. Huizhou: Daya Bay and Huiyang cancel the purchase restriction

Jiangmen: 37 million consumer vouchers

[P] were issued to house buyers. Zhuhai: "One Family Buying House"

Zhongshan: Lower the down payment, and issue consumer coupons to buyers

Zhaoqing

The down payment proportion is reduced to 20%

May

Reduce the down payment ratio and annual interest rate of commercial personal housing loans for households to purchase ordinary housing for the first time;

For households who own a house and whose corresponding housing purchase loans have been settled, if they apply for commercial personal loans again to purchase ordinary houses in order to improve their living conditions, the first house loan policy shall be implemented.

April

Qualified talents in the High tech Zone can obtain a housing subsidy of 20000 to 100000 yuan.

Guangzhou

Lower the threshold for entering the outside area

June

Lower the threshold of entry and implement the differentiated entry policy. Full time college students can settle in the third district of Zengcheng, Conghua, Huadu;

If the tax payment certificate of non registered residence in Guangzhou is suspended or supplemented for no more than 3 months, it shall be deemed as normal payment;

Retired non registered residence personnel can provide proof materials for retirement in Guangzhou, and can purchase houses with proof of continuous tax payment in Guangzhou in the first five years of retirement.

May

Nansha talents' entry threshold is relaxed, and the entry conditions are adjusted from the original undergraduate education+social security for six consecutive months to college+social security for six consecutive months;

For families with three children who purchase their first home, apply for housing provident fund loan for the first time and meet the conditions of provident fund loan, the loan amount can be appropriately adjusted and increased.

Shenzhen

The housing loan interest rate is lowered

March

The land auction price limit of the first batch of centralized land supply plots was increased;

In response, the Housing and Urban Rural Development Bureau will adjust the reference price of second-hand housing in due time according to regulatory requirements and market forms.

February

The loan interest rate for the first set of housing was lowered to 4.9% and that for the second set of housing was lowered to 5.2%;

Hong Kong, Macao and Taiwan residents and foreigners working in the unit can pay the provident fund in their own names.

Foshan

Reduction of restricted purchase areas and down payment proportion

June

Reduce and adjust the purchase restriction area of commercial housing, and only reserve three purchase restriction areas, namely Zumiao Street in Chancheng District, Guicheng Street in Nanhai District, and Daliang Street in Shunde District.

April

The purchase of commercial housing in the restricted area will not be restricted after five years.

March

The threshold for applying for talent T card is lowered, and part-time college students can apply for it.

February

The down payment for some buildings in non restricted areas can be at least 20%.

Dongguan

You can buy one more suite if you have two or three children

May

Families with two or three children can buy one more suite;

Five to two years of VAT exemption for second-hand housing;

The sales restriction period is adjusted from three years to two years;

One set of certificates for multi certificate rooms;

When applying for housing provident fund for purchasing green building commercial housing recognized by the government, the loan can be increased by 20% according to regulations;

Reasonably determine the down payment proportion and loan interest rate of commercial personal housing loans.

April

We will resume the policy of housing purchase with individual income tax, and recognize both social security and individual income tax;

The monthly continuous payment of social insurance is adjusted to the cumulative payment of social insurance or individual income tax;

Reduce the scope and threshold for talents to purchase houses, and cancel the "double half year" limit for new households to purchase houses;

For the purchase of the first suite, the social insurance or individual income tax for more than 12 months has been paid accumulatively in the city in the first two years of the purchase date, and 36 months have been paid accumulatively in the fourth year for the second suite;

Non local registered residence talents purchase houses with bachelor's degree or above, junior professional title or technician qualification, social insurance or individual income tax for 6 months accumulatively within two years for the first set of non Dongguan registered residence, and 24 months accumulatively within three years for the second set of non Dongguan registered residence;

The sales guidance price of high-quality projects can be released.

Huizhou

Daya Bay and Huiyang cancel the purchase restriction

May

Support employees to withdraw housing provident fund to pay down payment.

April

The "new six rules" of the property market were released, and Huiyang and Daya Bay were cancelled.

February

Daya Bay implements subsidies for talents to purchase houses, and encourages enterprises and real estate enterprises to cooperate in group purchase;

The interest rate of the first set of newly needed housing was reduced from 6.5% to the lowest 5.2%, and the interest rate of the second set of housing was reduced from 6.8% to the lowest 5.35%.

Jiangmen

37 million consumer vouchers

[P] were issued to house buyers. June

Pengjiang District, Jianghai District and Huicheng Sub district of Xinhui District have suspended the purchase restriction policy. For the purchase of new commercial housing, the sales restriction policy will be implemented. The buyer must handle the online signing of the contract for three years before the transfer.

May

The amount of personal provident fund discount loans was increased to 450000 yuan.

April

A total of 37 million yuan of consumer bonds were issued to house buyers;

The minimum down payment of Heshan is 20%.

Zhuhai

Family help

[P] when buying a house alone. June

Except Nanping, Wanchai Street, Hengqin Guangdong Macao Deep Cooperation Zone, other areas in Zhuhai are not limited to purchase;

When purchasing the first house under 144 ㎡ in the non purchase restricted area, the down payment proportion will be reduced to 20%;

Implement the "one person house purchase and family help". Zhuhai paid employees can withdraw 90% of the account balance to help their immediate family members (spouse, parents and children) pay the down payment for house purchase, and can also withdraw the provident fund month by month according to the loan repayment withdrawal to help their immediate family members (spouse, parents and children) repay the house purchase loan;

Increase the upper limit of approval for provident fund loans, raise the upper limit of approval for single paid employee loans from 300000 to 500000, and raise the upper limit of approval for double paid employee loans from 500000 to 800000;

The housing purchase policy of the employees from other cities in Zhuhai is the same as that of the employees from this city;

Preferential policies are provided for the top, first, second and third categories of high-level talents. The maximum amount of credit available for one applicant to purchase the first home for high-level talents is 1.5 million, and the maximum amount of credit available for two applicants to purchase the first home for high-level talents is 2.5 million.

April

The new house record price rules were adjusted, and the actual sales price was recovered from 90% to 85%.

Zhongshan

Reduce the down payment and issue the consumer coupons

[P] to the house buyers. June

From the date of policy introduction to June 30, 2022, consumer coupons will be issued to individuals who purchase new commercial housing in Zhongshan City and meet the supporting conditions.

May

20% down payment for the first suite and 30% down payment for the second suite in non purchase restricted areas.

April

Adjust the purchase restriction area, and Qijiang New City will not be included in the purchase restriction area; College degree or above without social security can buy a new house for two years; Increase the amount of provident fund loans.

March

The maximum amount of provident fund loans for the purchase of the first and second apartments will be increased by 100000 yuan.

Housing loans usher in new changes! The threshold of housing purchase across Dawan District continues to decline

▲ Luo Xinru Photography

In order to "stabilize land prices, house prices and expectations" and promote the virtuous circle and healthy development of the real estate industry, it is really easy for cities to compete!

Source: Nanfang Daily et al.

Author: Fang Tanjun

Photo production: Ah Hua