房贷或能省下数万元！中山楼市新政最新解读出炉

Core Viewpoint - The measures introduced by Zhongshan City aim to promote high-quality development in the real estate market through various initiatives, including financial incentives and policy adjustments to attract talent and facilitate home purchases [2][4]. Group 1: Policy Initiatives - The "Old for New" housing consumption voucher program will be launched, allowing residents to exchange their old homes for new ones [2]. - The "New Zhongshan Residents Settle in Zhongshan" initiative will provide tiered subsidies for home purchases based on the applicant's qualifications and employment status [3][4]. - The extension of the housing provident fund loan term to five years beyond the applicant's legal retirement age is introduced [3][12]. Group 2: Financial Adjustments - The personal housing provident fund loan interest rate is reduced by 0.25 percentage points, with new rates set at 2.1% for loans under five years and 2.6% for loans over five years for first-time buyers [3][15]. - For a typical family loan of 1.2 million yuan over 30 years, the interest savings amount to approximately 57,100 yuan for first homes and 59,100 yuan for second homes due to the interest rate adjustment [3][15]. Group 3: Tax and Transaction Policies - The measures include the cancellation of distinctions between ordinary and non-ordinary residential properties, aimed at simplifying transactions [2]. - The policy outlines various tax incentives related to personal housing transactions, including adjustments to personal income tax and land value-added tax [17][18]. Group 4: Housing Supply and Demand - The initiative encourages the acquisition of completed stock housing for use as affordable housing, with a focus on ensuring the quality and suitability of the properties [22]. - The government will enhance the coordination of real estate financing mechanisms to support these initiatives [2].