西安：购买新建商品住房可申请提取公积金直接支付购房首付款

Core Viewpoint - The measures issued by Xi'an aim to promote the stable and healthy development of the real estate market through various supportive policies and initiatives Group 1: Land Supply Optimization - Prioritize the supply of land with complete infrastructure and amenities, optimizing conditions such as plot ratio and building density to ensure high-quality residential construction [2] - Implement phased payment for land transfer fees, allowing construction units to proceed with necessary procedures after paying 50% of the land price [2] - Accelerate land organization by involving local governments and developers in planning and optimizing land use based on market demand [2] Group 2: Housing Quality and Services - Encourage the construction of safe, comfortable, green, and smart housing by improving standards throughout the entire lifecycle of buildings [3] - Enhance residential support services by improving public facilities around living areas, such as education and healthcare, and upgrading property management services [3] Group 3: Financial Support for Housing - Implement policies to lower the minimum down payment for personal housing loans and improve the pricing mechanism for housing loan interest rates [6] - Expand the coverage of the "white list" policy to ensure compliance projects are adequately supported [6] - Increase housing provident fund support, allowing employees to withdraw funds for down payments when purchasing new homes [4] Group 4: Market Development Initiatives - Promote the linkage between the first and second-hand housing markets through various initiatives, including tax refunds for upgrading homes [5] - Streamline property transaction services to provide a one-stop solution for buyers, including tax payments and certificate processing [5] Group 5: Regulatory and Environmental Improvements - Accelerate the disbursement of non-key regulatory funds and allow for the replacement of regulatory funds with guarantees for compliant developers [6] - Foster a favorable business environment by simplifying approval processes and ensuring synchronized construction and delivery of housing and associated infrastructure [6]