New regulation of Chengdu: the regulation of 10% increase in down payment for second-hand houses over the age of 0/0 is cancelled.
According to the provisions of the Notice on Adjusting the Loan of Re-traded Housing Provident Fund issued by Chengdu, the provision that the minimum down payment ratio is increased by 10% if the original purchased re-traded housing has exceeded10 years is explicitly cancelled. At the same time, if you apply for a provident fund loan for the purchased re-traded housing, the transaction reference price of the purchased re-traded housing is announced by the housing construction department, and the value of the housing is determined by the lowest of the online contract price, the housing evaluation price and the transaction reference price announced by the housing construction department, and the loanable amount is calculated.
It is reported that this policy has been implemented since July, 20265438 15, subject to the loan acceptance time.
It is understood that Chengdu released the first batch of second-hand housing transaction reference prices on May 28th this year, involving 20 1 community in chenghua district, jinniu district, Wuhou District, Qingyang District, Jinjiang District, Tianfu New District and High-tech Zone. The highest unit price of reference transaction is 39,300 yuan, located in Wenrude Community, Zhong Da, High-tech Zone. The reference unit price of Xicheng Shouxian County in jinniu district is the lowest, which is 12607 yuan. The guiding price of the first batch of second-hand houses is basically around 8.5 fold, and the lowest even reaches 6 fold.
Subsequently, on July 8th, Chengdu Urban Construction and Development Research Institute released the reference price of the second batch of second-hand housing transactions in Chengdu, * * * involving 286 residential quarters in Tianfu New District, Hi-tech Zone, Jinjiang District, Qingyang District, jinniu district, Wuhou District, chenghua district, Longquanyi District, qingbaijiang district, Xindu District, Wenjiang District, Shuangliu District and Pidu District, with the highest price. Qingbaijiang district Hancheng international second-hand house has the lowest reference price of 70 16 yuan/m2.
Regarding the release mechanism of the reference price of second-hand housing transactions, Chengdu Housing and Construction Bureau said that Chengdu should further standardize the behavior of second-hand housing transactions. First, we should strengthen the control of the listing price of second-hand houses, requiring brokers not to accept and publish the listing price significantly higher than the reasonable transaction price of the property, and social network information platforms should cooperate with technical control; Second, it is important to sort out the actual transaction prices of second-hand houses in hot areas and hot properties in advance, gradually form the regional grid reference prices of second-hand houses, and publish them regularly in official website, WeChat official accounts and "Chengdu Housing Leasing Transaction Service Platform" to guide the second-hand housing market and strengthen the management of second-hand housing transactions.
The following is the full text of the notice:
All relevant units and borrowers:
In order to implement the decision-making arrangements of the CPC Central Committee and the State Council, and adhere to the position that "houses are used for living, not for speculation", according to the spirit of documents such as the Notice of the Office of the Leading Group for the Stable and Healthy Development of Chengdu Real Estate Market on Further Promoting the Stable and Healthy Development of the Real Estate Market and the Notice of Chengdu Housing and Urban-Rural Development Bureau on Establishing the Release Mechanism of Reference Prices for Second-hand Housing Transactions, Now, the relevant matters in the Notice of Chengdu Housing Provident Fund Management Center on Printing and Distributing the Detailed Rules for the Implementation of Chengdu Housing Provident Fund Individual Housing Loan (No.[20 19] 1) are adjusted as follows.
First, the identification of the housing value of the re-traded housing
When purchasing re-traded housing for provident fund loans, the transaction reference price of the purchased re-traded housing is announced by the housing construction department, and the housing value is determined by the lowest of the online contract price confirmed by the housing construction department, the housing evaluation price and the transaction reference price announced by the housing construction department, and the loanable amount is calculated.
Two. /kloc-Provisions on down payment ratio for buildings over 0/0 years old
If the age of the purchased re-traded house exceeds 10, the minimum down payment ratio will be increased by 10%.
Third, the implementation time.
This notice shall be implemented as of July 20021,15, subject to the loan acceptance time. If the original provisions are inconsistent with this notice, this notice shall prevail. Matters not involved are still implemented according to the original provisions.
I hereby inform you.
Chengdu housing provident fund management center
2021July 12