Implement subsidies for "selling old for new"Nanjing releases a new real estate policy! Some areas no longer require proof of purchase

Release time:Apr 16, 2024 18:36 PM

On the evening of September 7th

Nanjing Release

The latest measures to promote the development of the real estate market

In order to implement the central government's requirements for comprehensive support of residents' demand for rigid and improved housing, and based on the "Further Optimizing Policy Measures to Promote the Stable and Healthy Development of the Nanjing Real Estate Market" on August 4th, combined with the actual situation in Nanjing, the following measures are clearly defined.

1.

Implement the latest requirements of national credit policies

Implement the national adjustment and optimization of differentiated housing credit policies and the policy of reducing the interest rate on first-time housing loans to better meet the demand for rigid and improved housing.

2.

Some areas no longer require proof of purchase

To further optimize the purchasing service process, starting from September 8th, purchasing commercial housing within the four districts of Xuanwu District, Qinhuai District, Jianye District, and Gulou District no longer requires a proof of purchase.

3.

Introducing Measures for the Placement of Collective Land Housing Tickets

For the expropriation of collective land involving residential buildings, the expropriated are encouraged to choose housing vouchers for resettlement, meet the diversified resettlement needs of the expropriated, shorten the resettlement transition period, and specific implementation rules will be formulated by each district.

4.

Provide subsidies for purchasing new houses

Some regions will provide subsidies for the purchase of new commercial housing between August 1 and December 31, 2023. The specific subsidy standards and conditions shall be subject to the detailed rules of each district.

V

Implement subsidies for "selling old for new"

On the basis of enjoying the fourth subsidy, for those who sell their own housing and purchase newly-built commercial housing of more than 90 square meters, a certain subsidy will be given. The specific subsidy standards and conditions shall be subject to the detailed rules of each district.

VI

Launch a "replacement purchase" service

The Nanjing Real Estate Industry Association and the Real Estate Brokerage Industry Association jointly develop enterprises and key brokerage institutions to launch "replacement and purchase" services, build "replacement and purchase" supermarkets, and ensure that the supermarket's housing supply is not higher than the lowest selling price on the market. Through the "priority sale, buy with confidence" minimum transaction service, the cycle of selling second-hand houses and buying new houses is shortened, and the demand for housing improvement is accelerated to meet the needs of residents.

Q&A on the latest measures to promote the development of the real estate market in Nanjing

one

Implement subsidies for "selling old for new"Nanjing releases a new real estate policy! Some areas no longer require proof of purchase

What are the latest requirements for adjusting and optimizing differentiated housing credit policies?

Answer: On August 31st, the Notice of the People's Bank of China and the State Administration of Financial Supervision on Adjusting and Optimizing Differentiated Housing Credit Policies clearly stated that for residential families who purchase commercial housing with loans, the minimum down payment ratio for commercial personal housing loans for their first home is uniformly not less than 20%, and the minimum down payment ratio for commercial personal housing loans for their second home is uniformly not less than 30%.

The lower limit of the interest rate policy for commercial personal housing loans for the first set of housing shall be implemented in accordance with current regulations, and the lower limit of the interest rate policy for commercial personal housing loans for the second set of housing shall be adjusted to not less than the market quoted interest rate for the corresponding term loan plus 20 basis points.

two

What is the latest requirement for the policy of reducing the interest rate on first-time housing loans in stock?

Answer: On August 31, the Notice of the People's Bank of China and the State Administration of Financial Supervision on Matters Related to Lowering the Interest Rate of Commercial Personal Housing Loans for Existing First Homes clearly stated that starting from September 25, 2023, borrowers of commercial personal housing loans for existing first homes can apply to the lending financial institution to issue new loans to replace the commercial personal housing loans for existing first homes. The interest rate level for newly issued loans shall be determined through independent negotiation between financial institutions and borrowers, but the markup on the quoted interest rate in the loan market shall not be lower than the lower limit of the commercial personal housing loan interest rate policy for the first housing in the city where the original loan was issued.

three

How to register and purchase new commercial housing in the future?

Answer: You can register through the "Ningxiaotong" registration channel of the "Fangbang Ning" WeChat mini program with your resident ID card, and your eligibility to purchase a house will no longer be verified when registering for a house transaction.

Talents and families without housing who purchase newly-built commercial housing can apply for a housing qualification verification form. The issued and valid certificates of talent and non housing purchase are considered verification forms, and priority can be given to housing selection.

four

Which regions are eligible for the subsidy policy for purchasing new commercial housing? What is the subsidy standard?

Answer: This policy applies to Xinliu District, Qixia District, and Yuhuatai District. The subsidy standard is not less than 1% of the total contract price, and the specific subsidy standards and conditions are subject to the detailed rules of each district.

five

How much is the subsidy for "selling old for new"?

Answer: On the basis of enjoying the subsidy for purchasing a new house, for those who sell their own housing and purchase new commercial housing of more than 90 square meters, an additional subsidy of no less than 0.5% of the total contract price will be given. The specific subsidy standards and conditions shall be subject to the detailed rules of each district.

six

Why launch a "replacement purchase" service? How to operate specifically?

Answer: In order to better meet the demand for improved housing such as "exchanging small for large" and "selling old for new", and to leverage the gradient consumption and linkage effect of the second-hand housing market, the housing improvement group can effectively reduce their burden, benefit from it, and improve the efficiency of housing replacement for residents, the "exchange for new purchase" service is launched this time.

The buyer signs a "buy with confidence" subscription agreement with the development company for new commercial housing, and also signs a "priority sale" agreement with the brokerage agency for second-hand housing. Shorten the sales cycle of second-hand houses within the agreed 30-90 day period through online traffic promotion, broker focused promotion, and other methods; If the second-hand house is not sold within the agreed time, the development enterprise shall refund the subscription fee for the newly built commodity housing according to the agreement, and the buyer shall not bear the risk of breach of contract. Starting from September 8th, homebuyers can check the "New Purchase" column on the "Fangpanning" platform of the Nanjing Real Estate Micro Government to learn about the housing resources, preferential plans, cooperative brokerage institutions, and operational procedures of newly built commercial housing projects for sale.

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