On July 31, the news learned from the people’s Government of Qianshan City, Anhui province that in recent years, the housing reform project in Qianshan city has been promoted and the real estate market has developed rapidly, but since the beginning of 2021, the real estate market has shown a trend of high house prices and a sharp decline in transaction volume. On July 25, 11 departments in Qianshan City, including housing construction, development and reform, justice, human resources and social security, asset regulation, agriculture and rural areas, finance, online information, taxation, banking and insurance supervision, and provident fund, jointly issued the measures of Qianshan city on coping with the impact of the epidemic and promoting the virtuous cycle and healthy development of the real estate industry< Br > < div class= "contheight" > < / div > in terms of providing talent purchase subsidies, the measures clarify that from the date of spontaneous writing to December 31, 2023, talents identified by the enterprise talent leading group as “top four” private enterprises can enjoy purchase subsidies if they purchase the first self occupied new commercial housing. Among them, full-time doctoral students (or senior professional titles) and above will be subsidized by 40% of the total purchase price, with a maximum of 500000 yuan; Full time master students (or vice senior titles, senior technicians) will be given a subsidy of 30% of the total purchase price, up to 400000 yuan; Full time undergraduate students (or intermediate titles, technicians) will be given a subsidy of 20% of the total purchase price, up to 250000 yuan; Full time college students (or junior professional titles, senior workers) will be given a subsidy of 10% of the total purchase price, up to 150000 yuan< Br > < div class= "contheight" > < / div > those who apply for house purchase subsidies need to sign an agreement to promise that the potential service period is not less than 5 years, and handle the joint property right registration according to the contribution share. After 5 years of service according to the contract, the contribution share will be transferred to the introduced talents free of charge. If the talent service period is less than 5 years, the purchase subsidy shall be refunded in full< Br > < div class= "contheight" > < / div > in terms of supporting the reasonable demand for house purchase, the measures clarify that from the date of spontaneous writing to December 31, 2022, if the first ordinary new commercial housing with an area of less than 144 square meters is purchased in the urban planning area for the first time, a house purchase subsidy of 3% of the total housing price will be given. If there is only one set of housing in the urban planning area, and the housing is sold from January 1, 2022 to December 31, 2022, and the ordinary newly-built commercial housing is re purchased, a purchase subsidy of 2% of the total housing price will be given < br > < div class= "contheight" > < / div > Qianshan city encourages farmers to settle in cities. The Measures specify that farmers who voluntarily withdraw from the homestead to buy houses in cities will be given a one-time purchase reward of 50000 yuan from the date of spontaneous writing to December 31, 2023. For those who voluntarily withdraw from the homestead and the homestead is reclaimed into cultivated land or other agricultural land, and are contracted by the original homestead user, a reward of 30000 yuan per mu will be given after confirmation< Br > < div class= "contheight" > < / div > in terms of implementing the preferential policies of housing provident fund, the measures are clear and strictly implement the spirit of the opinions of Anqing housing provident fund management committee on adjusting the relevant policies of housing provident fund loans. If both husband and wife pay housing provident fund, the maximum loan limit is increased from 450000 yuan to 500000 yuan, and the unilateral payment is increased from 350000 yuan to 400000 yuan. The specific loan amount is linked to the monthly deposit amount and repayment ability of the employee provident fund. For those who apply for housing provident fund loans for the first time to purchase new commercial housing in the administrative region of Qianshan City, the minimum down payment ratio is 20% (the minimum for second-hand housing is 30%); The first loan has been paid off. For the second application for housing provident fund loan to purchase new commercial housing, the minimum down payment ratio is 30% (the minimum for second-hand housing is 40%), and the loan interest rate is 1.1 times the benchmark interest rate of housing provident fund loan< Br > < div class= "contheight" > < / div > enterprises affected by the epidemic can apply for deferred payment of the housing provident fund from June to December 2022 according to the regulations, and make up the payment after the expiration. During the period, employees can withdraw and apply for housing provident fund loans normally, which is not affected by the deferred payment; If the depositors affected by the epidemic cannot repay the housing provident fund loan normally during the period from June 1 to December 31, 2022, they will not be treated as overdue and will not be submitted to the credit investigation department as overdue records. Increase the maximum withdrawal limit of rental commodity housing provident fund, which is limited to 1200 yuan per family per month, and within the maximum limit, it is withdrawn according to the actual rent expenditure< Br > < div class= "contheight" > < / div > in terms of reducing the burden of personal housing consumption, the measures clearly implement the latest requirements of the notice on issues related to the adjustment of differentiated housing credit policies (Yin Fa [2022] No. 115) issued by the people’s Bank of China and the China Banking and Insurance Regulatory Commission, and gradually reduce the interest rate of newly issued commercial personal housing loans according to their own business conditions, real estate market conditions and other factors and market-oriented differentiated pricing principles. We will guide potential financial institutions to increase the supply of personal housing mortgage loans and better support the demand for rigid and improved housing. For people who have temporarily lost their source of income affected by the epidemic, financial institutions should distinguish between repayment ability and willingness, and support their existing personal housing loans by reasonably delaying the repayment period and flexibly adjusting the repayment plan. Financial institutions are encouraged to simplify the approval materials, optimize the approval process, strive to complete the approval within 2 working days when the materials are complete, and make loans on the same day after filing. Financial institutions are encouraged to exempt contract change fees and other fees, and to bear the mortgage registration fees of individual housing loan customers and the mortgage collateral evaluation fees of second-hand houses< Br > < div class= "contheight" > < / div > in terms of optimizing the housing expropriation and resettlement policy, the measures clarify that the “housing ticket resettlement” method is added to the housing expropriation compensation in the urban planning area to meet the diversified resettlement needs of the masses. For resettlement houses that have not started construction, the expropriated households are encouraged to choose room tickets for resettlement< Br > < div class= "contheight" > < / div > in terms of supporting enterprise project loans, the measures clarify that all financial institutions shall not withdraw loans, cut off loans, and suppress loans without reason, so as to ensure the orderly release of real estate development enterprises, construction enterprises, and personal housing loans. Financial institutions are encouraged to support enterprises that are seriously affected by the epidemic and have difficulties in repaying when due in accordance with the principles of marketization and rule of law, and submit credit records according to the adjusted repayment arrangements. We will guide potential financial institutions to maintain a reasonable growth in the credit of real estate development enterprises and alleviate the liquidity difficulties of market players< Br > < div class= "contheight" > < / div > in terms of optimizing the use of regulatory funds for the pre-sale of commercial housing, the measures clarify that on the premise of capital safety and controllable risk, the sum of the actual recorded amount and residual value of the capital supervision account can cover the real estate projects of subsequent engineering construction. If the development enterprise has no record of dishonesty, it can allocate key regulatory funds according to the application for an increase of 10% of the progress of the new project before the completion acceptance of the project; After the completion and acceptance of the project, the retention ratio of key regulatory funds for commercial housing was reduced to 5%. If the same group company has multiple development projects in the city, the regulatory funds can be used as a whole in accordance with the principle of “one city, one policy” and on the premise of ensuring the development and construction of the project and ensuring the delivery of the building< Br > < div class= "contheight" > < / div > the measures require that we should continue to carry out the rectification of the order of the real estate market, implement the “double random and one public” inspection, strengthen joint law enforcement, and the real estate that has not been registered and received the ownership certificate according to law should not be transferred. We should seriously investigate and deal with the illegal sale of real estate, the illegal release of housing source information and the provision of brokerage services by intermediary institutions, as well as the unauthorized sale of real estate enterprises, false publicity, misappropriation of pre-sale funds Disguised evasion of regulatory policies and other violations< Br > < div class= "contheight" > < / div > from January to May this year, the sales area of commercial housing in Qianshan city was 71900 square meters, an increase of 0.7% year-on-year; The sales volume of commercial housing was 510 million yuan, a year-on-year decrease of 6.6%< img alt="" style="width:600px;" src=" https://imagecloud.thepaper.cn/thepaper/image/208/572/295.png ">