The proportion of down payment for second-hand housing transactions and home purchases has been adjusted. Chongqing official announcement: house recognition not loan recognition

Release time:Apr 16, 2024 04:53 AM

Notice of the Office of the Leading Group for Promoting the Stable and Healthy Development of the Real Estate Market in Chongqing on Further Supporting the Demand for Rigidity and Improvement in Purchasing Houses

People's governments of various districts and counties, relevant departments at the municipal level, and relevant units:

In order to conscientiously implement the spirit of the Central Political Bureau meeting on July 24th, as well as the requirements of relevant departments such as the Ministry of Housing and Urban Rural Development, the Ministry of Finance, and the People's Bank of China, and make good use of policy toolboxes for urban policies, better meet the rigid and improved housing needs of residents, and promote the healthy development of the real estate market, with the approval of the municipal government, the relevant matters are hereby notified as follows.

1、 Continue to implement personal income tax policies to support residents in purchasing alternative housing

From January 1, 2024 to December 31, 2025, taxpayers who sell their own homes and purchase new homes in the market within one year after the sale of their current homes will be eligible for a tax refund on the personal income tax already paid on the sale of their current homes.

2、 Optimize the management of new housing repurchase transactions

The newly purchased housing within the central urban area will be adjusted from "requiring a real estate ownership certificate for at least 2 years before being listed for trading" to "obtaining a housing sales contract filing certificate for at least 2 years and obtaining a real estate ownership certificate before being listed for trading".

3、 Implement the subsidy policy for purchasing houses during the city level autumn trade fair

The proportion of down payment for second-hand housing transactions and home purchases has been adjusted. Chongqing official announcement: house recognition not loan recognition

During the 2023 Municipal Autumn Fair, those who purchase houses in the central urban area will be given a certain amount of housing subsidy. The housing subsidy policy is formulated and implemented by each district government based on the actual situation.

4、 Optimize the criteria for determining the number of individual housing units

When a resident family applies for a loan to purchase commercial housing, if their family members do not have a complete set of housing under the local name, regardless of whether they have used the loan to purchase housing, banking and financial institutions will implement housing credit policies for the first set of housing.

5、 Adjusting and optimizing differentiated housing credit policies

For residential families who take out loans to purchase commercial housing, the minimum down payment ratio for commercial personal housing loans for their first home is not less than 20%, and the minimum down payment ratio for commercial personal housing loans for their second home is 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.

For families who own two or more houses and have already paid off the corresponding housing loan, and apply for a loan to purchase a house, banking and financial institutions should carefully grasp and determine the down payment ratio and loan interest rate level based on factors such as the borrower's repayment ability and credit status, but not lower than the minimum down payment ratio and loan interest rate level for a second house.

This notice shall come into effect from the date of issuance. In case of any inconsistency between the original relevant regulations and this notice, this notice shall prevail.

Office of the Leading Group for Promoting Stable and Healthy Development of the Real Estate Market in Chongqing

September 1, 2023

Subsidy policy for purchasing houses during the municipal autumn trade fair

More News

Beijing, Shanghai, Guangzhou, and Shenzhen all announced the implementation of "recognizing houses but not loans"

According to the news on the first day of "Fangkeyuan" on the WeChat official account of Shanghai Municipal Housing Security and Housing Administration, in order to better meet the demand for rigid and improved housing and enable more buyers to enjoy the down payment ratio and interest rate preference of first home loans, on September 1, the Municipal Housing and Urban Rural Development Administration, the Municipal Housing Administration, the People's Bank of China Shanghai Branch, and the Shanghai Supervision Bureau of the State Financial Supervision and Administration jointly issued the Notice on Optimizing the Recognition Standards for the Number of Housing Units in Personal Housing Loans in Shanghai, implementing the policy measures of "no loan for the purchase of first home loans".

According to the notice, when a resident family applies for a loan to purchase commercial housing, if their family members do not have a complete set of housing under our city's name, regardless of whether they have used the loan to purchase housing, banking and financial institutions will implement housing credit policies for the first set of housing. This regulation shall be implemented from the day after the issuance of the notice.

On September 1st, the Beijing Municipal Commission of Housing and Urban Rural Development, the Beijing Branch of the People's Bank of China, and the Beijing Supervision Bureau of the State Administration of Financial Supervision jointly issued a notice on optimizing the recognition standards for housing units in personal housing loans in our city.

According to the notice, when a resident family applies for a loan to purchase commercial housing, if their family members do not have a complete set of housing under the name of this city, regardless of whether they have used the loan to purchase housing, banking and financial institutions will implement housing credit policies for the first set of housing. This notice will come into effect on September 1, 2023.

At this point, Beijing, Shanghai, Guangzhou, and Shenzhen have all announced the implementation of "recognizing houses but not loans".

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