In order to promote real estate sales during the epidemic, further release the consumption potential, ensure the overall stability of the real estate market, improve the living conditions of residents, and promote the prevention and control of the epidemic and the overall economic and social development, the county government put forward the following suggestions.
Implement housing subsidies. The financial subsidy policy for house purchase will be implemented. For the purchase of ordinary housing and the online signing of the contract for the record and the actual purchase, the county finance will give subsidies according to the standard of 5,000 yuan per set. The subsidy period is from the date of publication of this article to 2020 1.8.
Cancel the sale restriction period of second-hand houses. All second-hand houses that have obtained the certificate of immovable property rights can be listed and traded. During the epidemic period, 50% of the county-level retained tax will be returned to further increase the housing supply, expand the market, and provide more choices for people to buy houses.
Ensure that the children of online signing households enter school. Increase education support, all commercial housing buyers can enjoy the relevant policies of the county government on the division of school districts in the compulsory education stage from the date of completing the online contract filing.
Reduce the down payment. The minimum down payment ratio of commercial personal housing loans for households to purchase ordinary housing for the first time is reduced to 20%; For households that own 1 apartment and the corresponding housing loans are not settled, if they apply for commercial personal housing loans to buy ordinary housing again to improve their living conditions, the minimum down payment ratio will be reduced to 30%. The families of paid employees use provident fund loans to purchase the first set of ordinary self-occupied housing, and the minimum down payment ratio is 30%; For the paid employee families who own 1 house and have settled the corresponding housing loans, if they apply for housing provident fund entrusted loans to buy ordinary self-occupied houses again in order to improve their living conditions, the minimum down payment ratio is 40%.
Reduce the loan interest rate. Guide banking financial institutions to do a good job of converting the pricing benchmark of floating rate loans to LPR, and the new commercial personal housing loan interest rate will be formed based on the new LPR. Support banking financial institutions to reasonably determine the loan interest rate level according to the Resolution of Self-discipline Mechanism of Market Interest Rate Pricing in Shandong Province, combined with the lending policy and risk prevention and control of their own commercial personal housing loans, and according to the credit status and repayment ability of borrowers.
Encourage enterprises to discount sales. Actively guide and encourage real estate development enterprises to study and launch preferential purchase and profit-making activities for consumers according to their own reality and market conditions, so as to provide more benefits for property buyers and stimulate people's enthusiasm for buying houses. For ordinary houses purchased before June 8, 2020, 10, the discount per square meter is not lower than that in 50 yuan.
Ningyang county people's government office
May 2020 15