楼市大消息！“以旧换新”有补贴→

Core Viewpoint - The article discusses a set of policies issued by the Chongqing Municipal Housing and Urban-Rural Development Committee, the Chongqing Municipal Finance Bureau, and the People's Bank of China Chongqing Branch aimed at stabilizing the real estate market and meeting housing consumption needs through various support measures. Group 1: Support for Housing Purchase - The policies include subsidies for housing exchange needs, with new housing purchases eligible for subsidies from the district government in cash or voucher form [2][3] - The time frame for new housing purchases is from the date of notification until December 31, 2025, with specific conditions for selling existing homes [3] Group 2: Commercial Housing Loan Support - The minimum down payment for commercial personal housing loans is set at no less than 15%, with no differentiation between first and second homes [5] - The notification removes the lower limit on interest rates for first and second home loans, allowing banks to set rates based on their operational conditions and customer risk profiles [5] Group 3: Housing Provident Fund Policies - The article introduces a direct transfer service for converting commercial loans to housing provident fund loans, aimed at reducing the financial burden on contributors [6] - Specific conditions for eligibility include purchasing new housing in the central urban area and selling existing homes within a year [6] Group 4: Support for Flexible Employment - The policies are optimized to better support flexible employment individuals in contributing to and utilizing housing provident funds [8] Group 5: "Old for New" Housing Services - The initiative will facilitate "old for new" housing services through the Chongqing Real Estate Association, providing preferential services for selling second-hand homes and discounts for new home purchases [9] Group 6: Parking Space Management - The policies support the simultaneous application for parking space permits with new housing sales, ensuring that homeowners can purchase parking spaces as needed [10] - There are restrictions on the number of parking spaces that can be purchased by homeowners within the first six months of announcement, with excess spaces available for sale afterward [10]