[Winning the "Insurance Communication Building" battle against Zhengzhou connecting new measures] Zhengzhou will implement the "insurance delivery" project "pay the house to issue a certificate"

Zhengzhou will implement the "insurance delivery" project "pay the house to issue a certificate"

The down payment ratio of the second home loan in the restricted purchase area is reduced to 40%

The reporter learned yesterday that in order to further resolve the problem of the problem, Zhengzhou City will fully implement the "insurance delivery" project "paying the house and issuing a certificate". Buyers who have registered real estate can get a non -motion property certificate on the same day.

According to the requirements, local governments should implement the responsibilities of the territory, compact the responsibility of self -rescue of the enterprise, safeguard the legitimate rights and interests of the buyers, and re -construction and incorporate the construction of the city within the city within the prescribed time.

At the same time, under the guidance of the Zhengzhou problem real estate leadership group, Zhengzhou Natural Resources and Planning Bureau, the Housing Management Bureau, the Urban Construction Bureau, the Public Security Bureau, the Taxation Bureau and other functional departments are involved in advance, active service, tolerance and shortage of acceptance, acceptance, acceptance, Paid approval and settle for a limited time to ensure that when the house is delivered, the buyers with complete information can obtain the property right certificate on the same day.

In addition to the cooperation of various relevant functional departments, housing enterprises and financial institutions have also clarified relevant responsibilities. Real estate development enterprises should ensure that the 60 working days before the agreed delivery of the house passed the joint acceptance. The entire development process must not have violated the contract, the red line of the land, the construction of failure to be approved in accordance with the plan, and the delay of construction progress. After signing a commodity housing contract with the buyer, the development enterprise should issue a house purchase invoice to the buyer in a timely manner, collect all the relevant materials required for the "delivery of the house", and make cooperation, coordination and organization; financial institutions do a good job During the processing of the "delivery of the house", the approval of the relevant mortgage business and the application for the registration of real estate mortgages; the buyers who apply for the "delivery of the house" service shall pay the maintenance fund and related taxes before the delivery.

During the interview, some insiders said that Zhengzhou has introduced similar documents for "paying a certificate to issue a certificate". Many counties (cities) in Zhengzhou have also carried out and implemented a pilot to "pay the certificate to issue a certificate", but this time It is clearly required that the "guarantee of the house" project in the city is "paying the house", which covers a wide range of coverage and involves many projects. It is the first time to participate in the owners. This is the first time in Zhengzhou. The intensity, also fully considering the timely factors of the project shutdown to restart, and truly maintaining the vital interests of buyers, will help promote the Zhengzhou real estate market to boost confidence, healthy development, and virtuous cycle.

In addition, on September 19, the news that the "second -house loan in the second house in the Zhengzhou restricted purchase area will be reduced to 40%" has been circulating on the Internet, causing widespread attention. Is the news true? The reporter contacted many banks and real estate companies in Zhengzhou to confirm.

The relevant person in charge of Zhengzhou Bank said that the proportion of down payment ratio of the second home loan in the Zhengzhou restricted purchase area has been received to 40%, which is true. At the same time, the person in charge also stated that the reduction will be implemented from September 19, 2022. The applicable areas are the five districts of Zhengzhou (Jinshui District, Central Plains, Huiji District, Erqi District, Guancheng Hui District) and Hui City) and Hui City) and Guancheng Hui District). Zhengzhou Airport Economic Comprehensive Experimental Zone, Zhengdong New District, Zhengzhou Economic Development Zone, Zhengzhou High -tech Zone, Xinzheng City, Puyang City and Zhongmu County.

In addition, the relevant person in charge of the Bank of Communications, China Merchants Bank, and Central Plains Bank also confirmed the authenticity of the news to reporters. Among them, Central Plains Bank and Zhengzhou Bank have released relevant policy posters.

During the interview, the relevant person in charge of the 21st century real estate Zhengzhou store stated that they had received a notice of the minimum of 40%of the lowest down payment ratio of the second home loan in the Zhengzhou restricted purchase area, and the first set of down payment ratio remained unchanged. "The banks that have been determined at present include China Merchants Bank, Huaxia Bank, Bank of Communications, Industrial Bank, Agricultural Bank of China, Industrial and Commercial Bank of China, Post Bank, Ping An Bank, Hengfeng Bank, Central Plains Bank, CITIC Bank, Everbright Bank."

The news of the down payment ratio of the second suite came, and the relevant persons in charge of many real estate companies such as Zhengshang and Xinglian told reporters that they were waiting for the final notice of the bank and once confirmed that they would immediately implement them.

In fact, the down payment ratio of the two -suite has been reduced. In June of this year, the "Zhengzhou City Growth Policies and Measures" issued by the Zhengzhou Municipal Government mentioned in the real estate measures that it is necessary The proportion drops to 40 %. For families who have a house and have settled the corresponding house purchase loan, in order to improve the living conditions to apply for loans to purchase ordinary commercial housing, the banking financial institution implements the first home loan policy.

Reporter Liu Wenliang Cao Ting

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