In terms of moderately adjusting the housing purchase restriction policy, the Notice proposes to suspend the implementation of the housing purchase restriction policy according to the relevant national real estate policies and the actual supply and demand situation in Xingyang real estate market. This means that Xingyang became the first county and city to explicitly suspend the purchase restriction after Zhengzhou proposed to moderately adjust the purchase restriction area.
In attracting all kinds of talents to live and work in peace and contentment, the notice clearly states that eligible young talents, such as full-time doctoral students, master students, undergraduate graduates (technicians and technicians in technical colleges) and junior college graduates (excluding technical secondary schools), will be given housing subsidies of 654.38 million yuan, 50,000 yuan, 20,000 yuan and 654.38+/kloc-0.0 million yuan respectively. For imported talents and parents of Xingyang college students who buy commercial housing in Xingyang, each set will be subsidized by 654.38 million yuan.
At the same time, Xingyang supports the legal sale of commercial housing group purchase. In accordance with the "Notice", support party and government organs, enterprises and institutions at all levels to concentrate on purchasing legally sold commercial housing and solve the housing problem of employees. The online signing price of new commercial housing is not limited by the filing price. Encourage real estate enterprises to carry out preferential purchase activities in a timely manner, and give appropriate discounts to those who meet the group purchase conditions (purchase more than 3 sets at one time).
In terms of relaxing the criteria for determining the first suite, self-built houses and resettlement houses are not included in the "first suite". For families who already own a set of commercial housing without mortgage or have settled the corresponding mortgage before buying a house, in order to improve their living conditions, they apply for loans to buy new commercial housing again. Families with two or more children buy a second set of commercial housing and enjoy the "first suite" policy. Banks, financial institutions and tax authorities implement the "first suite" loan and tax policies.
In the implementation of differentiated housing credit policy, the Notice also mentioned that the down payment ratio of the first set of housing can be reduced to 20% at the minimum. If the purchaser settles the first home loan, the down payment ratio of the second home will be reduced to 30%; If the first home loan is not settled, the down payment ratio of the second home will be reduced to 40%.
In addition, optimize the provident fund loan policy. Cancel the "individual housing provident fund withdrawal and loans can only choose one" provision. Support "one person buying a house to help the whole family". If the buyer purchases a newly-built commercial house within the administrative area of Xingyang City, he can withdraw the balance in his parents' or children's housing provident fund account (the balance of his spouse's provident fund can be withdrawn before applying for provident fund loan), and the total withdrawal amount shall not exceed the total purchase price.
"Notice" also mentioned that the implementation of housing deed tax subsidies. During the period from 2023/kloc-0 to June 30, 2023, if the newly-built commercial housing that has obtained the pre-sale permit of commercial housing is newly purchased in the administrative area of Xingyang City, and the deed tax is paid during this period, the subsidy will be given according to 30%-40% of the total deed tax payment.
On June 3rd this year, the Information Office of Henan Provincial Government held a press conference to boost market confidence and promote economic stability in Henan Province. Sun Shougang, member of the Standing Committee of Henan Provincial Party Committee and executive vice governor, said, "Cancel and adjust the restrictive policies that hinder the release of consumer demand during the period of overheated economy, raise the second set of housing identification standards, support the centralized group purchase of commercial housing, encourage all localities to collect affordable rental housing and talent housing, and speed up the destocking of existing commercial housing".
On the same day, the People's Government of Henan Province issued the Notice on Vigorously Boosting Market Confidence and Promoting Economic Stability, which made it clear that the city should make good use of the policy toolbox, cancel unnecessary demand restrictions, optimize the second set of housing identification standards, encourage group purchase of commercial housing, and take various measures to release housing demand.
At present, Zhengzhou, the provincial capital, is a city in Henan Province that implements restrictive policies on housing demand and consumption. With the cancellation of the purchase restriction in Xingyang, Zhengzhou has five districts: Airport, Zhengdong New District, Economic Development Zone, High-tech Zone, xinzheng city and zhongmou county.
Chen Wenjing, director of market research of the Index Department of the Central Reference Institute, pointed out that with Xingyang taking the lead in suspending the implementation of the purchase restriction, other areas in Zhengzhou are expected to gradually liberalize restrictive policies and promote the release of rigid and improved housing demand.
June 30, 2022 65438+February 30 According to official website, the Housing Security and Real Estate Administration of Zhengzhou City, Zhengzhou issued the "Relevant Policies to Support the Stable and Healthy Development of the Real Estate Market", which mentioned the appropriate adjustment of the restricted purchase areas. According to the relevant national real estate policies, combined with the actual supply and demand situation of Xingyang real estate market, the restricted area of Xingyang city is appropriately adjusted to better meet the reasonable housing needs of residents and further promote the virtuous circle and healthy development of Xingyang real estate industry.