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广州跟进房贷“商转公”,京沪“按兵不动”
Core Viewpoint - The "commercial to public" (商转公) loan policy is being implemented in more cities, with Guangzhou being the latest major city to announce its support, aiming to alleviate the financial burden on homebuyers and stimulate consumption [1][2][4]. Group 1: Policy Implementation - Over 30 cities nationwide have initiated the "commercial to public" loan policy, with cities like Chengdu, Chongqing, Taiyuan, and Zhengzhou already supporting it, while major cities like Beijing, Shanghai, and Hangzhou have not yet adopted the policy [1][2]. - Guangzhou's housing provident fund management center has released a draft for public consultation regarding the implementation of the "commercial to public" loan policy, targeting individuals with commercial loans that have been disbursed for over five years [1][3]. Group 2: Economic Context - The introduction of the "commercial to public" policy in Guangzhou is partly driven by the need to promote consumption and reduce the interest burden on homebuyers, reflecting a shift in housing policy towards consumer support [2][4]. - The annual interest income from Guangzhou's housing provident fund is projected to reach 4.472 billion yuan in 2025, an increase of 310 million yuan from 2024, indicating a strong financial position to support the new policy [1]. Group 3: Eligibility Criteria - To qualify for the "commercial to public" loan, applicants must meet several criteria, including having a commercial loan disbursed for over five years, the property being the only home in Guangzhou, and maintaining a good repayment record [3]. - The policy aims to assist a significant demographic, particularly young homebuyers or new residents who previously could not access public fund loans due to various restrictions [3]. Group 4: Comparison with Other Cities - While Guangzhou and Shenzhen have adopted the "commercial to public" policy, other major cities like Beijing and Shanghai remain hesitant due to their higher utilization rates of housing provident funds, which limits their ability to implement similar policies [4][5][6]. - Beijing's housing provident fund total reached approximately 2.99 trillion yuan by the end of 2024, with a significant portion being withdrawn, indicating a high demand for funds that complicates the introduction of the "commercial to public" policy [5].
湖北荆门明确现房销售时限!
Zheng Quan Shi Bao· 2025-07-03 08:14
业内人士认为,6月13日召开的国务院常务会议为市场释放了政策进一步加力的积极信号,预计下半年 将全力落实已出台政策,推动市场止跌回稳。 荆门发布19条稳楼市新政 日前,荆门市印发《关于持续巩固中心城区房地产市场稳定态势的政策措施》,推出6方面19条针对性 举措,多维度促进房地产市场平稳健康发展。 其中提出,加快地下停车位销售,居民购买地下停车位,网签商品房买卖合同、取得契税完税凭证的, 由所购地下停车位所在区按契税实缴额度给予100%补助。鼓励购买商业办公用房,在中心城区购买新 建商业办公用房用于非经营用途,网签商品房买卖合同、取得契税完税凭证的个人,由所购商业办公用 房所在区按契税实缴额度给予50%补助。 又一地发布楼市新政。 日前,湖北荆门发布19条稳楼市新政,包括购买地下停车位、商业办公用房按契税实缴额度给予补助, 鼓励优先采用房票安置或"以购代建"方式安置,2026年1月1日起新出让土地开发的商品房原则上实行现 房销售等。 根据中指研究院监测,上半年(截至6月25日)全国超160省市(县)出台优化政策超340条。其中,各 地调整公积金政策超150条。 下半年将全力落实已出台政策 上半年,中央和监管部门 ...
7月起沈阳优化6项住房公积金政策
Liao Ning Ri Bao· 2025-07-03 01:03
Core Points - The article discusses the optimization of six housing provident fund policies in Shenyang to boost housing consumption starting from July 1 [1][2] - Key measures include an increase in loan limits based on account balance multiples and the introduction of a subsidy for graduates opening accounts [1][2] Group 1: Policy Changes - Shenyang has implemented a graduate account opening subsidy of 500 yuan for eligible graduates who start working in the city within two years after graduation [1] - The account balance multiple for calculating housing provident fund loan limits for employed workers has been increased from 22 times to 25 times, allowing for higher loan amounts [2] - The minimum down payment ratio for housing provident fund loans has been extended until December 31, 2023, with the previous deadline being November 2024 [2] Group 2: Loan Policy Expansion - The scope of the "commercial to public" loan policy has been expanded to include flexible employment contributors, out-of-town contributors, and active military personnel [2] - Borrowers can convert personal housing commercial loans that have been repaid for five years or more into housing provident fund loans [2] - For purchasing newly recognized high-quality residential properties using provident fund loans, the loan limit can be increased to 1.4 times the current maximum loan amount [2]
广州楼市重磅!“商转公”新规征求意见
Zheng Quan Shi Bao· 2025-07-02 13:09
商业贷款5年以上可转纯公积金贷款。 7月2日,广州住房公积金管理中心发布关于公开征求 《广州商业性个人住房贷款转住房公积金个人住 房贷款实施办法(暂行)》(征求意见稿)(以下简称《办法》)意见的公告。 (三)申请人是原商业贷款借款人,且是贷款房屋的产权人;申请商转公贷款时,贷款房屋不存在除配 偶和未成年子女以外的产权人。 (四)贷款房屋已取得房地产权属证书。 (五)贷款房屋未设立除原商业贷款以外的抵押登记,不存在查封、保全、设立居住权等任何权利限制 情形。 (六)申请商转公贷款时,贷款房屋是产权人家庭在广州市的唯一住房。 《办法》显示,商业性个人住房贷款转住房公积金个人住房贷款(以下简称"商转公贷款"),是指缴存 人申请将其在广州市住房公积金贷款承办银行尚未结清的商业性个人住房贷款(以下简称"商业贷款") 余额,全部转为住房公积金个人住房贷款(以下简称"公积金贷款")。 《办法》提出,当住房公积金个人住房贷款率低于75%时启动商转公贷款;当个贷率达到85%及以上时 可采取防控措施,包括但不限于实行商转公贷款额度管控、预约申请等措施;当个贷率达到90%及以上 时暂停。在《办法》实施过程中,广州住房公积金管理中心 ...
广州楼市重磅!“商转公”新规征求意见
证券时报· 2025-07-02 12:56
商业贷款5年以上可转纯公积金贷款。 7月2日,广州住房公积金管理中心发布关于公开征求 《广州商业性个人住房贷款转住房公积金个人住房 贷款实施办法(暂行)》(征求意见稿)(以下简称《办法》)意见的公告。 《办法》显示,商业性个人住房贷款转住房公积金个人住房贷款(以下简称"商转公贷款"),是指缴存人 申请将其在广州市住房公积金贷款承办银行尚未结清的商业性个人住房贷款(以下简称"商业贷款")余 额,全部转为住房公积金个人住房贷款(以下简称"公积金贷款")。 (二)申请商转公贷款时,原商业贷款已放款5年以上且已获得原商业贷款银行同意转为纯公 积金贷款。 (三)申请人是原商业贷款借款人,且是贷款房屋的产权人;申请商转公贷款时,贷款房屋 不存在除配偶和未成年子女以外的产权人。 (四)贷款房屋已取得房地产权属证书。 (五)贷款房屋未设立除原商业贷款以外的抵押登记,不存在查封、保全、设立居住权等任 何权利限制情形。 (六)申请商转公贷款时,贷款房屋是产权人家庭在广州市的唯一住房。 (七)原商业贷款在申请前24个月内没有逾期记录。 《办法》提出,当住房公积金个人住房贷款率低于75%时启动商转公贷款;当个贷率达到85%及以上时可 ...
1. 北京住房公积金管理中心:公积金结息利率显著高于当前银行存款利率水平。2. 上海楼市“半年报”:一二手房成交1311万平方米,2022年以来同期最高。3. 碧桂园地产等被执行8.3亿。4. 合肥调整住房公积金缴存基数和比例。5. 中梁地产:1月至6月交付新房15026套。6. 南京推出5幅住宅用地,起拍总价23.81亿元。7. 旭辉集团1-6月全国共计交付1.5万套新房。8. 保利发展拟发行2025年第二期公司债,规模15亿元。9. 莱坊:首季香港豪宅租赁市场表现强劲,租金同比升幅录得6.5%。10.
news flash· 2025-07-02 07:41
Group 1 - The Beijing Housing Provident Fund Management Center reports that the interest rate on provident fund deposits is significantly higher than current bank deposit rates [1] - Shanghai's real estate market "half-year report" shows that the transaction volume of new and second-hand houses reached 13.11 million square meters, the highest for the same period since 2022 [2] - Country Garden and others are subject to enforcement actions totaling 830 million [3] - Hefei adjusts the contribution base and ratio for the housing provident fund [4] - Zhongliang Real Estate delivered 15,026 new homes from January to June [5] - Nanjing launched 5 residential land plots with a total starting price of 2.381 billion [6] - CIFI Group delivered a total of 15,000 new homes nationwide from January to June [7] - Poly Developments plans to issue the second phase of corporate bonds for 2025, with a scale of 1.5 billion [8] - Knight Frank reports a strong performance in Hong Kong's luxury residential rental market in the first quarter, with a year-on-year rental increase of 6.5% [9] - In June, Hong Kong's existing property mortgage registrations reached a 22-month high, with pre-sale mortgage registrations increasing by 46.9% month-on-month [10]
楼市松绑升级,鼓励买房再加码
Xin Hua Ri Bao· 2025-07-01 21:44
Core Viewpoint - The recent adjustments to housing provident fund policies in Jiangsu aim to expand coverage, relax usage conditions, and provide more convenient services for homebuyers [1][2][3]. Group 1: Policy Adjustments - Jiangsu has implemented new housing provident fund policies effective July 1, which include lowering down payment ratios, increasing loan limits, and optimizing the recognition of loan usage [1]. - In Yancheng, families can continue to apply for housing provident fund loans after repaying existing loans for purchasing improved self-occupied housing [1]. - In Yangzhou, the minimum down payment ratio for purchasing a second self-occupied home using housing provident fund loans has been relaxed to 20% [2]. Group 2: Loan Limits and Eligibility - The maximum loan limits for housing provident fund loans have been raised in several cities, with Huai'an increasing the limits to 840,000 yuan for single contributors and 1,200,000 yuan for joint contributors [1][2]. - Nanjing has expanded the scope of housing provident fund loans to cover the entire Jiangsu province, allowing for easier access to funds for home purchases outside the city [2]. - The age limit for loan applicants has been adjusted, with Yancheng raising the maximum age for male applicants to 63 and female applicants to 58, and extending the loan repayment period beyond retirement age [3]. Group 3: Support for Families - Families with two or more children can receive additional loan limits in Yangzhou, with increases of 30,000 yuan for second children and 50,000 yuan for third children [2]. - The policies support the extraction of housing provident funds for home purchases by family members, including parents and children, thereby broadening the eligibility for fund usage [5]. Group 4: Future Considerations - Experts suggest that the new policies will lower housing costs and support self-occupied housing demand, while also increasing buyer confidence [3]. - There is a call for further exploration of increasing support for the purchase of improved housing and green low-carbon residences [3]. - The disparity in housing provident fund resources across cities highlights the need for a more integrated approach to fund management, potentially through a national housing bank [4].
南京公积金异地贷款范围扩展至江苏全省
news flash· 2025-07-01 00:11
6月30日,南京住房公积金管理中心发布政策优化通知,自7月1日起施行。内容包括:异地贷款范围从 南京都市圈扩展至江苏全省,省内缴存人可在南京申请公积金贷款;南京缴存人在江苏购房提取公积 金,不受工作地和户籍地限制;存量房公积金贷款最长期限由20年延至30年。 ...
楼市早餐荟 | 天津:2025年度公积金缴存基数不得低于2320元;广州6月二手住宅网签9891套,环比增长7.18%
Bei Jing Shang Bao· 2025-06-30 01:42
近日,广州市房地产中介协会发布数据显示,6月广州市二手住宅网签套数和面积环比分别增长7.18% 和8.03%,达到9891套和99.64万平方米。 2025年1—6月,广州全市二手住宅累计网签5.66万套和569.08万平方米,同比分别增长12.98%和 13.31%。 【3】世茂集团:境外债务重组将削债115亿美元 近日,世茂集团发布公告称,针对2024年年度报告中审计单位给出的"有关持续经营不发表意见",公司 采取了多项改善措施。 【1】天津:2025年度公积金缴存基数不得低于2320元 关于债务重组,世茂集团称,境外债务重组计划已于3月13日获法院批准。由于重组的完成先决条件仍 在处理中,本公司预期境外债务重组计划将不晚于8月29日完成及生效。计划一经生效,本金金额约115 亿美元的现有境外债务将获解除及取消,将减轻本集团的整体债务规模及债务压力,从而改善整体财务 状况。 近日,据"天津发布"官微披露,自2025年7月1日起,天津全市住房公积金缴存基数由2023年职工个人月 均工资总额,调整为2024年职工个人月均工资总额。职工工资总额按照国家统计部门规定的工资总额计 算口径核定。该通知自2025年7月 ...
青岛调整优化住房公积金政策 贷款最高额度不超过170万元
调整还贷能力系数。住房公积金贷款额度按还贷能力计算公式中的"还贷能力系数"由30%调整为40%。 调整后的公式为:贷款额度=借款人月缴存额的工资基数×还贷能力系数(40%)×12×额度计算年限+配偶 月缴存额的工资基数×还贷能力系数(40%)×12×额度计算年限。 优化多子女家庭支持政策。异地缴存住房公积金的多子女家庭,购买岛城自住住房申请住房公积金贷款 的,可按家庭申请贷款时计算的可贷额度上浮30%确定;异地缴存住房公积金的多子女家庭,在购房所 在区(市)购买家庭第二套自住住房申请住房公积金贷款的,按首套房认定。 今年6月份,青岛、杭州、西安等城市出台了提取住房公积金用于支付购房首付款的新政策。住房城乡 建设部最新数据显示,全国多地持续优化住房公积金使用政策,大力支持异地贷款和异地购房提取住房 公积金。业内人士认为,该政策将促进公积金成为首付资金的重要来源,有利于提高资金使用效率,优 化资源配置,真正发挥公积金在惠民和兜底方面的重要作用。 6月26日,青岛市住房公积金管理中心发布《关于优化调整住房公积金贷款政策的通知》(简称《通 知》),优化调整岛城住房公积金贷款政策。此次新政包括调整贷款支持政策叠加限额、 ...