Teachers buy houses at least 8percent off! Henan Enlargement

category:Finance
 Teachers buy houses at least 8percent off! Henan Enlargement


Guiyang: Reducing the Minimum Downpayment Ratio of Second-hand Housing Provident Fund Loans

On September 9, Guiyang Housing Provident Fund Management Center issued the Notice of Guiyang Housing Provident Fund Management Center on the Adjustment of Part Loan Policy of Housing Provident Fund, which mainly readjusted the loan policy from three aspects: the time limit of housing provident fund loan, the lowest down payment ratio of second-hand housing loan and the length of loan:

I. Eliminating the Time Limit for Loan of Two Sets of Housing Provident Fund

The original policy: If the first set of housing provident fund loan is settled by the employee family, it must be settled for one year (including one year) before it can apply for housing provident fund loan again to purchase ordinary self-housing.

New Policy: After paying off the first set of housing provident fund loans, families of depositors can apply for housing provident fund loans again to purchase ordinary self-owned housing.

2. Reduce the minimum down payment ratio of second-hand housing provident fund loans

The original policy: the first time to use housing accumulation fund loans to purchase second-hand housing workers and families, with a flat building area of less than 90 square meters (including), the down payment ratio shall not be less than 25%, and the down payment ratio shall not be less than 40% if the flat building area is more than 90 square meters; the second time to apply for housing accumulation fund loans to improve living conditions. If you buy a second-hand house, the down payment shall not be less than 40%.

III. Adjusting the Standard for Determining the Lifetime of Loans

The original policy: The term of personal housing accumulation fund loan shall be calculated according to the longest term of loan available to both spouses of the borrower.

New policy: The term of personal housing accumulation fund loan shall be calculated according to the lenders loan life.

Yan Yuejin, director of research at the think tank center of Yiju Research Institute, believes that the abolition of the time limit for loans of two housing provident funds is conducive to the release of housing demand for some new houses, and also has a positive effect on the local inventory removal in Guiyang. Reducing the minimum down payment ratio of the second-hand housing provident fund loan can increase the activity of the second-hand housing subscription, which in turn enables some landlords to transfer the second-hand housing smoothly, and then have the ability to buy the first-hand housing, that is, the improved demand for housing can be released. In short, Guiyang housing provident fund policy adjustment and release of relatively loose guidance, help some buyers through provident fund to continue to buy houses, reduce the purchase cost, in turn, also make some new housing projects faster sales, but also good for this years gold nine silver ten project sales.

On September 5, Jiaxing Housing Provident Fund Management Service Center issued a notice on the adjustment of policies and measures concerning the use of housing provident fund, which has been implemented since September 10.

1. If a workers family has paid off the provident fund loan and applied for the second time for the provident fund loan to purchase its own housing, the original amount of the provident fund loan enjoyed by the workers family shall not be deducted, and the maximum amount of 600,000 yuan can still be enjoyed by both husband and wife.

2. Resume the policy of 10% increase in interest rate of applying for provident fund loan for the purchase of second housing.

3. Emphasize again that no provident fund loan will be granted to workersfamilies when they purchase a third or more housing.

2. Simplifying the Calculating Method of Loan and Retention Amount of Housing Provident Fund

1. When an employee applies for a provident fund loan, the amount of the loan shall be determined by 10 times the balance of the individual provident fund account of the employee.

2. The amount retained in the personal housing accumulation fund account after employee accumulation fund loan is determined by one tenth of the actual amount of accumulation fund loan.

3. Employees no longer require the balance of individual housing accumulation fund account to be no less than 6 monthsdeposit when applying for entrusting monthly withdrawal of provident fund to repay loans.

3. Adjusting the scope of housing provident fund objects for employees to purchase and build houses

When employees purchase and build their own housing, their children may withdraw their parentshousing provident fund, and their parents may withdraw their childrens housing provident fund, subject to the written consent of the drawee.

Jiaxing Housing Provident Fund Management Service Center said that the appropriate adjustment of the policy mainly embodies the following principles: First, earnestly implement the requirement that houses are used for living, not for speculation, implement differential housing provident fund loan policy, and focus on supporting workersfirst purchase and improving the demand for housing. The benchmark interest rate of applying for provident fund loan for the purchase of the second set of housing will rise, and no provident fund loan will be granted for the purchase of the third set of housing or above; the second is to adopt precise measures and adjust them appropriately, which will not only help safeguard and support the reasonable housing consumption of workers, but also help to improve the operation efficiency of our citys housing provident fund; the third is to enter one. Simplifying the calculation method and operation procedure step by step and optimizing the service are conducive to promoting the universal benefit of the provident fund system.

Unlike Guiyangs housing provident fund policy, Jiaxings housing provident fund policy has been relaxed and tightened. Among them, the tightening is that the interest rate of second-home loans has risen from the previous benchmark interest rate.

In this regard, Jiaxing official explanation said, Purchase of the second housing application for provident fund loans to implement the benchmark interest rate policy was introduced in December 2014 in order to support the real estate inventory in our city, according to the current situation of the real estate market and macro-policy guidance, to restore the implementation of the interest rate rise policy. Here we need to emphasize that whether or not the first application for provident fund loans, as long as the employee families have a set of housing under the name of provident fund loans, the loan interest rate will rise by 10% according to the benchmark interest rate of provident fund loans.

However, Yan Yuejin believes that in the current policy environment, the key points of relaxation deserve more attention. The New Deal will provide full loans to families who have paid off their loans for the second time to apply for provident fund loans to buy their own housing, which will help reduce the cost of home buyers and thus stimulate the demand for housing. Generally speaking, the new policy has a positive effect on the improvement of the demand for housing, especially the sell-buy-one buyers.

Henan: The rate of preferential purchase for qualified rural teachers is not less than 20%.

On September 5, the Press Office of the Henan Provincial Government held a press conference on the implementation of the provincial teacher treatment policy, and issued a press conference on the implementation of such hot issues as the establishment of teacher treatment, title, housing, allowances and so on.

The meeting proposed to improve the housing conditions of rural teachers by all means. By 2022, through three channels of reconstruction, allocation and construction, the special post teachers, teaching exchange teachers and accommodation staffs working in public compulsory education schools (including teaching sites) in towns (excluding towns where county towns are located) and below will be basically realized. Teachers on duty have a set of swing dormitories.

At the same time, within 3-5 years, the basic housing needs of on-the-job teachers in villages and towns (excluding County towns) and schools (including teaching sites) below will be met in a safe and orderly manner through the construction of commodity housing, the organization of group buying, the granting of subsidies or coupons for house purchasing, and the rental of teachersapartments in accordance with the local public rental housing policy. In the principle of purchasing commercial housing, the price per square metre is not less than 1000 yuan more favorable than that of the same quality commercial housing in the same area, or the actual rate of preferential treatment is not less than 20%.

It is understood that Henan is the first province with a large educational population and the first teacher Province in the country. By the end of 2018, there were 169.39 million faculty members in Henan Province, ranking first in the country in total, accounting for 8.22% of the country.

Yan Yuejin believes that the preferential policies for rural teachershouse purchase in Henan have appeared in specific cities in the past, but not in the name of the whole province. Similar policies mainly reflect the guidance of respecting teachers and respecting education, not simple policy relaxation, but objectively help to reduce the related purchase costs, release more demand for purchase, especially in Henan Province, where the total number of faculty ranks first in the country, and play a positive role in activating the relevant housing market.

Linli County, Changde: Monetary Subsidies for Purchasing a House within a Regulated Time Limit

According to media reports, on August 28, in the first Linli County Property Trade Fair in 2019, Linli County Party Committee and county government studied and issued Some Opinions on Further Promoting the Steady and Healthy Development of the Real Estate Market in order to allow buyers to enjoy real preferences. Opinions relaxed the conditions for identifying the first suite, lowered the proportion of project capital supervision and the threshold of commercial housing pre-sale license, made it clear that purchasing qualified commercial housing in the county and urban areas within the prescribed time limit can enjoy the monetary subsidy for purchasing houses, and their children can apply for degrees nearby, enjoy high-quality educational resources, but also drum up. Encourage Housing enterprises to create high-end high-quality commercial and residential areas, focusing on improving the living environment. Yan Yuejin believes that this policy reflects the current preferential policies given by local governments to purchase houses and the guidance to activate the local real estate market. When the current golden nine silver ten arrives, there will be the guidance to release the demand for purchase. At the same time, the practice of monetary subsidy is given, which further illustrates that some counties still need to give policy guidance of de-inventory, and the actions of such counties are representative of certain industries. Source: Liable Editor of Securities Times: Liu Song_NBJ9949

According to media reports, on August 28, in the first Linli County Property Trade Fair in 2019, Linli County Party Committee and county government studied and issued Some Opinions on Further Promoting the Steady and Healthy Development of the Real Estate Market in order to allow buyers to enjoy real preferences. Opinions relaxed the conditions for identifying the first suite, lowered the proportion of project capital supervision and the threshold of commercial housing pre-sale license, made it clear that purchasing qualified commercial housing in the county and urban areas within the prescribed time limit can enjoy the monetary subsidy for purchasing houses, and their children can apply for degrees nearby, enjoy high-quality educational resources, but also drum up. Encourage Housing enterprises to create high-end high-quality commercial and residential areas, focusing on improving the living environment.

Yan Yuejin believes that this policy reflects the current preferential policies given by local governments to purchase houses and the guidance to activate the local real estate market. When the current golden nine silver ten arrives, there will be the guidance to release the demand for purchase. At the same time, the practice of monetary subsidy is given, which further illustrates that some counties still need to give policy guidance of de-inventory, and the actions of such counties are representative of certain industries.