Huizhou: Families with two children or above can borrow up to 720,000 yuan from the provident fund to buy their first home. | sedia 4d, situs 4d togel

On September 22, the Housing and Urban-Rural Development Bureau, Natural Resources Bureau, and Housing Provident Fund Management Center of Huizhou City, Guangdong Province jointly issued the "Notice on Issuing Several Measures to Promote the Stable and Healthy Development of the Real Estate Market in Our City" (referred to as the "Notice").

The "Notice" proposes thirteen measures, including increasing financial credit support, increasing housing provident fund support, optimizing housing transaction processes, carrying out housing group buying activities, further improving the commercial housing price guidance system, optimizing pre-sale fund supervision, and adjusting the time for development companies to pay special housing maintenance funds, to help Huizhou better adapt to the new situation of supply and demand in the real estate market, fully boost the expected confidence in the real estate market, and stimulate the vitality of market entities.

In terms of increasing support for the housing provident fund, the "Notice" proposes that for employee families with two children or more who purchase their first self-occupied house and apply for a personal housing provident fund loan for the first time, the maximum loan amount is set in the "About the City's Housing Provident Fund" The maximum loan amount stipulated in the "Notice on the Maximum Amount of Financial Loans" (Huishi Provident Fund [2023] No. 19) is increased by 20% (i.e., the maximum loan amount for an individual is 480,000 yuan, and the maximum loan amount for a couple to jointly loan is 720,000 yuan).

In terms of optimizing the house transaction process, Huizhou will promote the "transfer with deposit" model for second-hand houses and explore a new model of "transfer with deposit" for first-hand houses. Standardize the intermediary services for second-hand housing transactions, strictly implement the clear pricing system of brokerage agencies, strictly prohibit illegal charges for brokerage services, and encourage real estate brokerage agencies to provide one-stop services and one-time fees.

The "Notice" also proposes to carry out housing group purchasing activities. Counties (districts) are encouraged to organize real estate development companies in their regions to carry out group buying activities for the public to guide housing consumption expectations. The preferential group buying prices of real estate development companies do not need to be included in the range of registered price declines for commercial housing. The marketing expenses incurred by real estate development enterprises in carrying out activities to promote housing consumption shall be applied for disbursement in accordance with the relevant provisions of the "Huizhou City Commercial Housing Pre-sale Fund Supervision and Management Measures".

Further improve the price guidance system for commercial housing, implement the relevant regulations of one price per house and clearly marked prices, guide real estate development companies to set reasonable prices and prudently adjust prices, and support non-residential commercial housing to be priced according to market conditions.

The following is the full text of the policy:

In order to implement the decisions and arrangements of the Party Central Committee and the State Council, implement city-specific policies, better meet residents' rigid and improved housing needs, and promote the stable and healthy development of our city's real estate market, with the consent of the Municipal People's Government, on September 22, the Municipal Housing and Urban-Rural Development Bureau, the Natural Resources Bureau, and the Housing Provident Fund Management Center jointly issued the "Notice on Issuing Several Measures to Promote the Stable and Healthy Development of our city's real estate market" (hereinafter referred to as the "Notice").

The "Notice" proposes 13 measures, including increasing financial credit support, increasing housing provident fund support, optimizing the housing transaction process, carrying out housing group buying activities, further improving the commercial housing price guidance system, optimizing pre-sale fund supervision, and adjusting the time for development companies to pay special housing maintenance funds, to help our city better adapt to the new situation of supply and demand in the real estate market, fully boost the expected confidence in the real estate market, and stimulate the vitality of market entities.

The contents of the thirteen measures are as follows>>

1. Increase financial credit support.We will implement the policy of "recognizing a house but not a loan" and "phased relaxation of the lower limit of interest rates for commercial personal housing loans for first homes" to meet the reasonable financing needs of buyers of rigid and improved housing to a greater extent. Encourage all commercial banks in Huizhou to adjust existing personal housing loan interest rates in an orderly manner in accordance with the law, guide personal housing loan interest rates and down payment ratios to decline, and stabilize residents' consumption expectations.

2. Increase housing provident fund support. For employee families with two children or more who purchase their first self-occupied house and apply for a personal housing provident fund loan for the first time, the maximum loan amount will be increased by 20% from the maximum loan amount stipulated in the "Notice on the Maximum Amount of Housing Provident Fund Loans in Our City" (Huishi Provident Fund [2023] No. 19) (i.e., the maximum loan amount for individuals is 480,000 yuan, and the maximum loan amount for joint loans between husband and wife is 720,000 yuan).

3. Optimize the housing transaction process. Promote the "transfer with deposit" model for second-hand houses, and explore the new model of "transfer with deposit" for first-hand houses. Standardize the intermediary services for second-hand housing transactions, strictly implement the clear pricing system of brokerage agencies, strictly prohibit illegal charges for brokerage services, and encourage real estate brokerage agencies to provide one-stop services and one-time fees.

4. Carry out housing group purchasing activities. Counties (districts) are encouraged to organize real estate development companies in their regions to carry out group buying activities for the public to guide housing consumption expectations. The preferential group buying prices of real estate development companies do not need to be included in the range of registered price declines for commercial housing. The marketing expenses incurred by real estate development enterprises in carrying out activities to promote housing consumption shall be applied for disbursement in accordance with the relevant provisions of the "Huizhou City Commercial Housing Pre-sale Fund Supervision and Management Measures".

5. Further improve the price guidance system for commercial housing. Implement the relevant regulations of one price for one house and clearly marked prices, guide real estate development companies to set reasonable prices and prudently adjust prices, and support non-residential commercial housing to be priced according to market conditions.

6. Optimize the supervision of pre-sale funds. Based on key regulatory quotas and corporate credit evaluations, the proportion of regulatory funds will be dynamically adjusted to implement differentiated and refined management. For those who were rated as real estate credit enterprises in Huizhou City in the previous year, their project pre-sale fund supervision limit can be determined based on 3,300 yuan/㎡ × project construction area (including basements, etc. that need to be delivered simultaneously), and an additional 1,000 yuan/㎡ × project pre-sale area for fine decoration, and they can apply for the lifting of pre-sale fund supervision by building.

7. Adjust the time for development companies to pay special housing maintenance funds on their behalf. Until December 31, 2024, the time for real estate development enterprises to pay special residential maintenance funds will be adjusted to after the commercial housing project completes the first registration. County and district housing and construction departments should check the payment and deposit status of special residential maintenance funds when handling projects to release pre-sale fund supervision accounts or register existing house sales to ensure that all dues are paid.

8. Facilitate enterprises to calculate development costs and file tax returns. The newly public transfer of land includes residential, commercial and service uses. In the transfer announcement and transfer contract, the land price for each use is specified by use.

9. Optimize the supply of commercial and office land. It is necessary to reasonably arrange the scale and timing of commercial land supply and grasp the pace of land supply based on the current sales volume of various types of commercial and office commercial buildings, the volume to be launched and the overall market demand. Counties (districts) where the inventory digestion cycle of commercial and office commercial housing exceeds 18 months should reduce the scale of land supply for commercial and office projects and control the proportion of commercial land in newly added commercial and residential mixed-use land.

10. Strengthen the order management of the real estate market. Standardize the business behavior of real estate companies, continue to carry out special rectification of real estate market order, include real estate companies' violations of laws and regulations and industry chaos into industry integrity management, make public announcements to the public in a timely manner, and maintain fairness in real estate market transactions.Protect the legitimate rights and interests of purchasing a house.

11. Guide high-quality development of real estate development. Promote the transformation of real estate developers from urban builders to comprehensive urban operators, strengthen after-sales service management of housing, and continuously meet people's needs for a more beautiful environment and more livable life.

12. Increase efforts to ensure the housing of talents. Actively create convenient conditions for scientific and technological talents, technical talents, college graduates and above to settle in Huizhou, implement the city’s opinions on building a strong city with talents in the new era, and issue settlement subsidies for newly introduced talents.

13. Create a good atmosphere of market public opinion. Implement the requirements of the "Notice on Strengthening the Management of "We-Media"" issued by the Secretariat of the Cyberspace Administration of China, encourage relevant industries, institutions and individuals in the city to form positive guidance on the real estate market through online media, and severely crack down on the use of self-media public accounts and other online media to maliciously speculate and spread false information, so as to create a good public opinion atmosphere and stabilize market expectations.

This notice shall come into effect from the date of issuance.