促进住房领域消费 肇庆拟推出19条措施

Core Viewpoint - Zhaoqing City has released a draft proposal to promote housing consumption, which includes 19 measures aimed at lowering the threshold and costs of housing consumption, stimulating market activity, and supporting the development of a new model for real estate [1] Group 1: Measures to Lower Housing Consumption Threshold and Costs - The proposal includes a reduction in the housing provident fund loan interest rates by 0.25 percentage points starting from May 8, 2025, with first-time home loan rates set at 2.1% for loans under 5 years and 2.6% for loans over 5 years [3] - Support for individuals who pay housing provident funds outside Zhaoqing to apply for loans when purchasing homes in the city [3] - Flexible employment individuals will be included in the housing provident fund policy, allowing them to apply for loans once they meet the contribution conditions [3] - The proposal optimizes the withdrawal policy for housing provident funds, allowing for greater flexibility in repayment [3] - The age limit for borrowers applying for housing provident fund loans has been adjusted, allowing loans to be taken until 5 years after the legal retirement age [4] Group 2: Tax and Deduction Policies - From December 1, 2024, a reduced deed tax rate of 1% will apply for individuals purchasing their only home of 140 square meters or less, and 1.5% for homes larger than that [4] - The proposal includes provisions for special tax deductions for housing loans, allowing eligible buyers to benefit from tax relief [4] Group 3: Encouragement of Housing Exchange and Special Group Support - The proposal encourages the implementation of "old-for-new" housing services, facilitating the sale of old homes through agreements with real estate companies [5] - Special groups, including families with two or more children, teachers, medical staff, and veterans, will be eligible for housing purchase subsidies [6] Group 4: Inventory Reduction Support - The proposal supports the acquisition of existing housing stock by state-owned enterprises and real estate companies to convert them into affordable housing [7] - It encourages the use of monetary (housing vouchers) compensation for residents affected by land acquisition [7] - The trial of shared ownership models for residential properties is proposed to make housing more accessible to specific groups [8] Group 5: Improvement of Supporting Service Policies - The proposal includes organizing real estate exhibitions and promotional activities to enhance market engagement [10] - It mandates transparency in the sale of housing by requiring developers to disclose detailed information about property sizes and pricing [11] - The proposal removes restrictions on the registration and adjustment cycles for housing sales prices to enhance market activity [11]