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class="ts"> <div class="tst"> <h1>发放5%政府消费券、增加“商转组合贷” 多地出手稳楼市</h1> </div> <div class="source"> <div style="width: 60%;float: left;"> <div class="zbnm"> <span class="ly">来源:<a href="https://finance.eastmoney.com/a/202411273252759663.html">证券时报</a> <div class="bgc"><img src="//i.ssimg.cn/images/public/news/jt.png" alt=""><span class="tzj"><a href="//news.stockstar.com/source_list/%E8%AF%81%E5%88%B8%E6%97%B6%E6%8A%A5.shtml">证券时报 更多文章 >></a></span></div></span> <span id="author_baidu" class="blue"></span> <span id="pubtime_baidu">2024-11-28 09:03:17</span> </div> </div> <div style="width: 40%;float: right;" class="news"> <div class="zjng"><a href="http://info.stockstar.com/aboutus/report.htm" style="color: #0e478c;text-decoration: underline;">涉企侵权信息举报专区</a> </div> <div class="ybnm"> <i> 关注证券之星官方微博: </i> <a href="//weibo.com/stock666666"> <img src="//i.ssimg.cn/images/public/news/Snipaste_2020-04-13_13-19-55.png" alt=""> </a> <!--<a href="//t.qq.com/stock666666"> <img src="//i.ssimg.cn/images/public/news/Snipaste_2020-04-13_13-19-51.png" alt=""> </a>--> <a href="//user.qzone.qq.com/1651671413"> <img src="//i.ssimg.cn/images/public/news/Snipaste_2020-04-13_13-19-42.png" alt=""> </a> </div> </div> </div> </div> </div> </div> <!--top nav end HE---> <!-- ....................main --> <div class="w clearfix" id="Wapper"> <div class="content clearfix"> <div class="clear"></div> <div id="Detail"> <div class="box" id="container-box"> <div class="article"> <div class="article_content"> <p>多地继续出手稳楼市。</p><p>11月27日,贵州省发布稳经济新政,其中提出,推动房地产市场止跌回稳的五方面措施,除了降低首付、取消利率下限、加大公积金支持力度、优化首套房认定标准外,为支持商品房&ldquo;以旧换新&rdquo;,还提出发放不高于5%的政府消费券,定向用于房屋装修和家用电器消费。</p><p>同日,甘肃兰州发布公积金贷款新政,新增了贷款业务种类&ldquo;商转组合贷&rdquo;,同时,将&ldquo;商转公&rdquo;业务以及组合贷款业务的申请主体范围扩大到除甘肃省住房资金管理中心以外的省内各市州公积金中心缴存人均可。</p><p><strong>贵州五方面措施推动房地产市场止跌回稳</strong></p><p>11月27日,贵州省发布《关于印发贵州省全力推动经济持续回升向好若干政策措施的通知》,其中提出,推动房地产市场止跌回稳。</p><center><img src="https://i.ssimg.cn/sscms/2024/11/28/cf3ee35b0bce446dbdb1d57dcb6fa35f.png" alt="" title="" /></center><p>从具体措施来看,一是优化完善个人住房贷款政策。落实好商业性个人住房贷款最低首付款比例统一为15%的政策,取消首套和二套住房商贷利率政策下限。支持缴存人提取住房公积金支付房租和购买保障性住房,支持省内异地购房提取公积金,支持公积金购房代际互助,支持各市(州)结合实际提高公积金最高贷款额度,有序开展存量商业住房贷款转公积金贷款。另外,居民家庭申请商贷购买商品住房时,在拟购住房所在县(市、区、特区)范围内无住房的,拟购住房认定为首套房。</p><p>二是大力促进房地产市场交易。支持商品房&ldquo;以旧换新&rdquo;,对2025年底前居民家庭卖旧房买新房的,各地政府可根据自身财力情况,发放不高于5%的政府消费券,定向用于房屋装修和家用电器消费。</p><p>用好保障性住房再贷款和专项债券收购商品房用作保障性住房政策。加快城中村和危旧房改造,采用&ldquo;房票&rdquo;和补贴相结合的方式进行货币化安置,促进消化存量商品房。加快实现&ldquo;带押过户&rdquo;跨银行办理。</p><p>落实好国家住房交易契税政策和取消普通住宅与非普通住宅标准后相关土地增值税、增值税政策。2025年12月31日前,对出售自有住房并在现住房出售后1年内在同一城市重新购买住房的纳税人,对其出售现住房已缴纳的个人所得税予以退税优惠。</p><p>三是支持房地产开发企业合理融资需求。将所有符合条件的商品住房贷款项目全部纳入&ldquo;白名单&rdquo;,加大项目推送、问题项目修复及贷款投放力度,做到合规项目&ldquo;应进尽进&rdquo;,已审贷款&ldquo;应贷尽贷&rdquo;,资金拨付&ldquo;能早尽早&rdquo;。对重点城市纳入保交房攻坚战的项目,在项目剩余货值能够覆盖增量融资且新增资金实现&ldquo;后进先出&rdquo;的前提下,并购贷款资金可用于补足项目资本金缺口。</p><p>此外,落实好&ldquo;金融16条&rdquo;中存量融资展期政策和今年底前到期的经营性物业贷款政策延期到2026年要求。</p><p>四是提高商品房开发质量。制定《贵州省高品质住宅设计导则》,加快&ldquo;好房子&rdquo;建设。大力发展旅居地产,指导各地合理规划建设避暑康养旅居型地产项目,对配建教育设施、车位配比等进行优化设置。</p><p>五是提高土地资源利用率。落实地方政府使用专项债券回购符合条件的闲置存量土地政策,确有需要的地区也可用于新增土地储备项目,盘活存量土地。</p><p><strong>兰州出台公积金贷款新政</strong></p><p>11月27日,据&ldquo;兰州公积金&rdquo;公众号消息,兰州对多项公积金贷款政策进行了调整,调整后的政策将于12月1日起正式执行。</p><center><img src="https://i.ssimg.cn/sscms/2024/11/28/dea8f105776a48dc93fa1ba5a5d4f31b.png" alt="" title="" /></center><p>一是新增种类。新增了贷款业务种类&ldquo;商转组合贷&rdquo;。办理传统的&ldquo;商转公&rdquo;业务时,如缴存人申请到的住房公积金贷款额度不足以偿清原商业购房贷款时,差额部分需要自筹资金向商业银行偿还。而新增&ldquo;商转组合贷&rdquo;业务后,差额部分可以选择继续以商业购房贷款形式保留正常偿还即可,业务办结后实质形成公积金贷款+商业贷款的组合贷款,有效缓解传统&ldquo;商转公&rdquo;业务缴存人自筹资金的压力与负担。</p><p>二是优化政策。将&ldquo;商转公&rdquo;业务以及组合贷款业务的申请主体范围由原来的仅支持兰州公积金中心缴存人,扩大到除甘肃省住房资金管理中心以外的省内各市州公积金中心缴存人均可。同时,兰州公积金中心全面调整提前还款政策,取消办理次数和办理业务种类方面的限制。支持广大缴存人按照自身需求办理提前还款业务。</p><p>三是加强管理。为了有效维护住房公积金制度互助性,确保住房公积金个人贷款资金安全,兰州公积金中心将采取相关措施,对贷后停缴、还款逾期等明显违反《住房公积金个人住房贷款借款合同》约定,有碍公积金制度有序稳定发展的行为进行治理,确保广大缴存人住房公积金领域合法权益不受侵害。</p> </div> </div> <div class="tags"> <div class="ybnm"> <div class='ylng'> <a href='http://weibo.com/stock666666' class='share_stock' target="_blank">证券之星</a> <a href="http://weibo.com/stock666666" class="share_sina" title="证券之星官方微博"></a> <a id='Weixin' onmouseover="this.className='hover'" onmouseout="this.className=''" 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