According to the detailed rules, if you buy a house in Suzhou, the maximum loan amount for buyers who meet the conditions of provident fund loans is 300,000 yuan, and the maximum loan amount for both husband and wife is 500,000 yuan; And the loan period of housing provident fund can be extended to 5 years after the borrower's statutory retirement age, and the longest loan period is 30 years; Provident fund borrowers can withdraw the balance of provident fund in their accounts before applying for housing provident fund loans.
Suzhou implements the policy of purchasing houses and enrolling students. Children of Yongqiao owners who have newly purchased houses (including forward houses) in the main urban area of Suzhou; Newly-purchased second-hand houses in the main urban area of Suzhou, with the same property calculated from June 5438+ 10. A school period (six years of primary school and three years of junior high school) in principle only enjoys one admission quota (except for multiple births and second children). The purchase time is subject to the filing date of the purchase contract. Eligible children of owners in Yongqiao District will enter the park in the public kindergarten in their community from the fall semester of 2022; Starting from the fall semester of 2023, I will attend public primary schools and junior high schools in the school district where I live. The application scope of this policy is from May 16, 2022 (including May 16) to May 15, 2024 (including May 15).
Suzhou proposed to optimize the way of land transfer and adopt the auction method of "combining competitive land price with competitive quality" to transfer land; At the same time, extend the payment time of land transfer fees. For those who are willing to pay the land transfer fee by installments, guide enterprises to apply for installment payment according to regulations, and load the installment number, amount and term into the transfer contract. After the contract is signed, they will pay no less than 50% of the total transfer amount within one month, and the balance will be paid within one year.
Promote the smooth delivery of the project. If the real estate development project under construction cannot be delivered as scheduled due to force majeure factors such as epidemic situation, the delivery period may be appropriately extended according to the specific circumstances, but the longest period shall not exceed three months. Encourage buyers to communicate and negotiate with real estate development enterprises according to the specific conditions of the project.
According to the document, all banking institutions are encouraged to implement the minimum down payment ratio of the first home within the scope of the policy, and the interest rate of the first home loan remains at the lowest level in the past five years.
Do a good job in mortgage assistance affected by the epidemic. Encourage banks to adopt flexible and reasonable repayment delay, extend the loan term and adjust the repayment term in stages to reduce the repayment pressure of loan users. If it is impossible to go through the formalities on the spot, it should be handled flexibly. If the loan is overdue only due to the epidemic situation, the loan risk classification will not be reduced, and it will not be credited to the credit or charged with penalty interest.
The detailed rules show that Suzhou will optimize the supervision of pre-sale funds of commercial housing and add nodes. From the pre-sale of commercial housing to the capping of the main structure, the first floor is a node, and the development enterprise applies for 70% of the key supervision funds according to the proportion of each floor (key supervision funds X70%/ total floor x actually completed floor).
After the main structure is capped, before the project completion acceptance report is obtained, it shall be audited and allocated according to the actual progress of the division and subdivisional work. When applying for funding, development enterprises should provide construction contracts and progress certificates of major sub-projects and purchase contracts for building materials and equipment. , on the premise that the balance of key supervision funds is not less than 10%, review the allocated funds.
At the same time, the application of credit evaluation results will be strengthened. For the projects under construction of credit A-level development enterprises, the allocation of key supervision funds for the pre-sale of commercial housing increased by 65,438+00% (the balance of key supervision funds was not less than 65,438+00%). For the projects under construction of credit A-level development enterprises, the key supervision funds allocated for the pre-sale of commercial housing will be increased by 5% (the balance of key supervision funds is not less than 10%). For credit A-level and credit A-level development enterprises, it is allowed to replace the key supervision funds of the same amount with bank guarantee, but the maximum replacement ratio shall not exceed 50% of the key supervision funds.