Yulin, Guangxi： The implementation of ＂recognizing the house but not the loan＂, the purchase of new commercial housing before the end of the year can be 100% subsidized deed tax.

　　According to WeChat WeChat official account’s "Yulin Publishing", on September 14th, the Housing and Urban-Rural Development Bureau of Yulin City, Guangxi Zhuang Autonomous Region and other eight departments issued the "Notice on Several Policies and Measures for Yulin City to Support the Stable and Healthy Development of the Real Estate Market", involving 13 measures such as house purchase subsidies, deed tax concessions and down payment ratio.

　　The notice shows that Yulin City has implemented a housing subsidy policy. From now until December 31, 2023, individuals who purchase new commercial housing in Yulin City (including Yuzhou District, Fumian District and Yudong New District, the same below) and complete the registration of commercial housing contracts and deed tax payment will be given financial subsidies according to 100% of the deed tax payment.

　　Implement the subsidy policy for purchasing parking spaces. From now until December 31, 2023, individuals who purchase new parking spaces in Yulin City and complete the registration and filing of commercial housing contracts (parking spaces) and pay deed tax will be given financial subsidies according to 100% of the deed tax paid.

　　Optimize the criteria for determining the number of housing units in individual housing loans, and "recognize housing but not loans". From now until December 31, 2024, when residents’ families (including borrowers, spouses and minor children) apply for loans to buy commercial housing, if family members do not have complete housing under the name of Yulin City, regardless of whether they have used loans to buy housing, the housing credit policy will be implemented in Jade Commercial Bank according to the first housing.

　　Implement differentiated housing credit policies. From now until December 31, 2024, the minimum down payment ratio of commercial personal housing loans for the first set of housing will be no less than 20%.The minimum down payment ratio of two sets of commercial personal housing loans is not less than 30%;The lower limit of the interest rate policy for the first set of commercial personal housing loans shall be implemented according to the current regulations, and the lower limit of the interest rate policy for the second set of commercial personal housing loans shall be adjusted to not less than the quoted interest rate of the loan market for the corresponding period plus 20 basis points.

　　Residents’ personal income tax on the purchase of housing will be refunded. From October 1, 2022 to December 31, 2025, taxpayers who sell their own houses and buy houses again in the same city within one year after the sale of their existing houses will be given preferential tax refund for the personal income tax paid for the sale of their existing houses. Where the newly purchased housing amount is greater than or equal to the current housing transfer amount, all paid personal income tax will be refunded; If the amount of newly purchased housing is less than the transfer amount of existing housing, the personal income tax paid for the sale of existing housing will be refunded according to the proportion of newly purchased housing to the transfer amount of existing housing.

　　Yulin will also optimize the housing provident fund policy. Introduce policies related to phased adjustment of housing provident fund;The maximum loan amount can be adjusted to 600,000 yuan.; The time limit for depositors to apply for provident fund loans is shortened to 6 months;If the depositor meets the requirements of house purchase, he can prepay the balance of his account to pay the down payment for house purchase;The phased guarantee deposit for new pre-sale commercial housing loans is lowered to 3%; Vigorously support flexible employees to pay housing provident fund.

　　The notice shows that Yulin City will optimize the mode of purchasing houses. From now until December 31, 2023, after purchasing new commercial, office (apartment) properties and new commercial housing, and completing the registration and filing of the purchase contract and the payment of deed tax, the buyers who have the enrollment needs of freshmen in the initial stage of compulsory education in 2024 can queue up for admission.