Ji'nan intends to push real estate new regulations: Provident Fund maximum loan 600 thousand tax or halved.
Qilu
to promote the stable and healthy development of the real estate market. Recently, Ji'nan has drawn up "to promote the real estate market in our city" Opinions on steady and healthy development (Draft) and widely soliciting opinions from the community. It is mentioned that over 2 years of housing can be exempt from business tax when it is transferred, and that the purchase of only 144 or less housing deed tax can be reduced by half.
two sets of home loans not clear families are not allowed to buy a home
the first purchase of the first mortgage is not less than the house price 25%
in the purchase of loans, the "opinion" proposed that there are still two sets of home loans that are still unsettled for commercial individual housing loans to purchase ordinary commodity housing Not to be approved.
commercial personal housing loans for the first purchase of ordinary housing, the minimum rate of first payment is not less than 25% of the total housing price, and the loan interest rate is not less than 0.7 times the benchmark interest rate.
the lowest rate of first payment is not less than 30% of the total housing price for families with 1 sets of housing and the families who have settled the corresponding purchase loans, and the loan interest rate is not less than 0.7 times the benchmark interest rate.
the lowest rate of first payment is not less than 40%, and the loan interest rate is not less than 1.1 times the benchmark interest rate for households with 1 sets of housing and corresponding housing loans that have not been settled.
over 2 years of housing transfer may be exempt from business tax
purchase of the only housing tax less than half
in the housing transfer tax and fee. The opinion says that individuals will be exempt from business taxes for more than 2 years (2 years, the same). Sales and purchase of non ordinary housing for more than 2 years, according to the sales income subtracted from the purchase price of the difference between the sales tax levy; the individual will buy less than 2 years of housing for foreign sales, the full levy of business tax.
personal purchase of housing time, in order to obtain the housing property certificate or the time as indicated on the deed tax certificate; at the same time, the housing property certificate and the deed tax completion certificate and the time marked by the two parties are not consistent, according to the principle of "which first" to determine.
the time for the sale of individual housing obtained by non purchase, such as the gift, inheritance, divorce property division, etc., the time of the purchase is determined according to the time before the purchase, inheritance, and divorce property division; and the income of the personal transfer for more than 5 years, and the income obtained by the only living room of the family, continues to be exempt. Levy personal income tax; personal purchase of building area of 90 square meters and below the ordinary housing, and the housing belongs to the family only housing, according to 1% tax payment of the deed tax; personal purchase of 90-144 square meters of ordinary housing, and the house belongs to the only housing, less than half of the deed tax.
family housing provident fund maximum loan promotion 100 thousand
50 thousand yuan
in accordance with the "opinion", in the amount of provident fund loans increased strength, two people and above the housing accumulation fund of workers and staff families in the city six to buy self housing, application for housing provident fund loan The maximum loan amount increased from 500 thousand yuan to 600 thousand yuan. In Zhangqiu, Pingyin, Jiyang and Shanghe, the purchase of self housing housing from 400 thousand yuan to 500 thousand yuan was raised.
one person to deposit housing provident fund workers and families in the six districts of the city to buy self housing, the maximum loan amount for housing provident fund loans from 250 thousand yuan to 300 thousand yuan, in Zhangqiu, Pingyin, Jiyang, Shanghe four counties and cities to buy self housing from 200 thousand yuan to increase 250 thousand yuan.
non Ji'nan workers in the economy can apply for public loan
5 years after the retirement age to
in the future, Ji'nan plans to adjust the provincial foreign loan policy and loan years. The non Ji'nan household registration workers in other cities in the province are buying ordinary self living housing in Ji'nan, providing relevant proof materials provided by the housing provident fund center of the provident fund, which is provided by a stable Ji'nan household registration staff, and can apply for the housing provident fund loan to the Ji'nan provident fund center. The age is extended to 5 years after the statutory retirement age of the borrower.
Ji'nan will also relax the extraction policy of purchase, lease and property charges. Employees buy their own housing. Within three years of obtaining effective purchase vouchers, the housing provident fund of both husband and wife, parents and children can be extracted at one time. Parents and children must be the same domicile with one of the couples. The total amount of the purchase amount shall not exceed the total amount of the purchase. There is no housing fund loan balance for per capita.
if the staff and workers have full payment of full housing accumulation fund for 3 months, I and the spouse in Ji'nan without property rights housing and rental housing, currently without housing provident fund loan balance, to provide me and the spouse's name without property rights housing certificate, can be extracted from the housing provident Fund for both husband and wife to pay rent.
in terms of extraction time, the "opinion" is intended to stipulate that the housing provident fund can be extracted once a year for each person to pay the rent, and the amount of extraction shall not exceed 7200 yuan each time, and the interval between the two times of extraction is not less than 12 months.
in addition, Ji'nan intends to stipulate that the employee can draw out a housing fund once a year to pay for the property of ordinary self occupied housing. Each person takes no more than 1000 yuan per year. The opinions will be implemented from the date of promulgation until June 30, 2020.
"" related reading
housing market to inventory policy and upgrading more than 50 cities to launch a purchase subsidy program
data show, in 2014, there have been more than 50 cities have issued different strength of the purchase of the purchase of the policy, which is mainly the three or four line city. Among them, in Wuhu, Anhui, where the apartment is generally more than 144 square meters (including), the buyer should pay 4% deed tax, and the financial department of the city shall pay a subsidy of 50% of the deed tax after the payment of the deed tax. In Guangxi, Beihai also introduced subsidy policy, giving financial subsidies to the total amount of 1% of the total amount of housing. In December 8th, the Fuyang District of Hangzhou, Zhejiang, launched a real estate stimulus policy which includes six terms, which include the promotion of the monetization of affordable housing, the subsidy for the purchase of houses, the subsidy for the housing and housing purchase, and the housing financial services. 6 different types of talents were also provided with the corresponding preferential policies for housing purchase subsidy, with a maximum one-time subsidy of 800 thousand yuan.
experts say that the real estate to the stock can start from the supply side, through the multi-level market supply, to meet the demand for different buyers. Experts expect, in addition to the housing monetization, including financial and tax, household registration and other supporting package policies are expected to be concentrated in the next year, will become the market "to stock" grab.
"in the future, policy reserves will be carried out in many ways. Shantytowns will continue to be overweight and credit policies will continue to be relaxed. The interest rate reduction channel has been fully opened, from the end of 11 month of 2014 to see the return of interest rates, 6 interest rate reduction in accordance with the benchmark interest rate calculation, 20 year period 1 million yuan mortgage interest will be reduced by 225 thousand and 700 yuan. At the same time, the property tax will be slowed down to continue to release the bonus of planning policies, and direct purchase is expected to reduce taxes and fees and give certain subsidies. Zhang Dawei, an analyst, told reporters. (comprehensive securities daily, etc.)