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Changsha goes to inventory and then buys a third home for the provident fund loan

Author:   Frpm:   Time:2017-06-07  
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In the first half of the year, changsha property prices rose, and in the case of declining supply, inventory pressure was effectively alleviated. Not only that, but changsha has a New Deal, and the inventory is clear. 
On August 2, changsha housing accumulation fund management center "in changsha city housing accumulation fund management committee about the play to the effect of policies to support the real estate market of housing accumulation fund" to stock "notice" (hereinafter referred to as the "notice") and the relevant supporting policies. The notice explicitly promotes a personal housing portfolio loan; In accordance with the corresponding conditions, purchase of a second or third set of improved housing workers can apply for housing provident fund loans and implement the housing provident fund second home loan policy. 
In August, in addition to changsha, nanjing, shenyang and other places have been fine-tuning the inventory policies of local real estate, aiming to further promote the healthy development of the real estate market. 
Introduction of the new policy 
Centaline property (hunan), according to the latest figures through regulating, changsha real estate to inventory results significantly, as of June 2016, changsha inventory of 9.14 million square meters, to period less than seven months, and dropped to the lowest level in nearly three years. 
However, compared with the 4-month period of the hefei in the central provincial capital and 4.9 months in wuhan, the period of inventory destocking in changsha is still relatively long. Therefore, changsha has a new policy. 
On August 2, changsha municipal fund management center issued a New Deal to explicitly implement the housing provident fund second home loan policy, while meeting certain conditions, the third suite can also implement the policy. 
This "notice" is mainly for the purpose of using adequate housing accumulation fund, supporting the consumption of workers' housing, defusing the inventory of commercial housing, and promoting the steady and healthy development of the real estate market. 
"Notice" clearly, the worker family (including both sides of husband and wife) has a building area of less than 144 square meters of home ownership, buy again to improve housing, can apply for housing accumulation fund loan, implementation of two suites of housing accumulation fund loan policy. 
In addition, the worker capture puts housing accumulation fund more than five years in a row, and from the date of deposit, the couple have not used the public accumulation fund for housing construction (including extraction and loan), the family has two sets of (including) the following housing, and housing construction area of total no more than 230 square meters, to buy again to improve housing, can apply for housing accumulation fund loan, implementation of two suites of housing accumulation fund loan policy. 
The housing accumulation fund system of flexible employment personnel, meeting housing accumulation fund loan condition, can apply for housing accumulation fund individual housing loan. 
In changsha city is vigorously developing and city, hunan province, nanchang, hefei and wuhan, guangzhou, guiyang and other cities beyond the loan of housing accumulation fund business, and further extended to other domestic cities and the surrounding city of hunan province. 
The New Deal also made it clear that individual housing portfolio loans would be implemented. Normal capture puts housing accumulation fund employees, at the same time conform to the housing accumulation fund loans and commercial bank housing loans on the loan amount, loan term, such as minimum deposits related regulations, can use the same set of housing as collateral, at the same time to apply for housing accumulation fund loans and commercial bank housing loans. Housing provident fund loans are implemented according to the provident fund loan policies and regulations. Commercial housing loans are reviewed and determined by relevant Banks. 
Zhongyuan real estate agency co., LTD (hunan), managing director of Hu Zhigang believes that in the first half of the changsha land sales hit a lowest level in nearly eight years, quantity and value, reduced inventory, is now out of short-term stock weight, "policies, the accumulation fund can meet the housing needs of citizens to improve type, more effectively to inventory." 
Fine-tune policy to inventory 
When changsha launched the new policy, several cities in the country fine-tuned their policies to promote the healthy development of the real estate market. 
On August 1st, research by shenyang municipal government related meeting on the implementation opinion to promote healthy development of the real estate market (try out) "article 11 of the supplementary opinions (hereinafter referred to as the" second opinion "). "Opinion" including, enhance the application proportion of prefabricated buildings, residential and commercial or serviced apartments can be adjusted to live in apartments, allow commercial housing renovation buy live in apartment available for rental housing, provident fund loans, provident fund to help college graduates to solve "difficult to deposit", commercial housing can do school district room, etc. 
The proposal will increase the proportion of applications for assembly building. The overall assembly rate of any real estate construction project invested by the government is not less than 50%; The overall assembly rate of the real estate development projects in the administrative region of the city (except the new civil, French, liaochung and kangping counties) shall reach 30%. In the core area of the city, the proportion of the above projects with the price of above 3500 yuan per square meter should be up to 35 percent. 
"Opinion" also supports college graduates graduate (not more than eight years, secondary vocational school graduates of colleges and universities) buy commercial housing, can extract himself, spouse, parents, and law conditions allow the third person account of housing accumulation fund to pay down payments. For the purchase of rural college graduates, we encourage the development of enterprises to give support such as "downpayment installment", encouraging financial institutions to give favorable interest rate and so on. For the purchase of a large and secondary school graduate to carry out the mutual loan and exchange between the provincial and local provident fund, the accumulation fund can be applied to the provident fund for six months. 


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