recently, the Province promulgated the opinions on promoting the implementation of the real estate inventory, a number of preferential policies to encourage farmers and herdsmen to live in the city for the purchase of farmers and herdsmen to settle in the province to provide a new guarantee.
opinion clear, municipalities (States), county people’s government can be combined with the actual development of policies and measures, and promote the integration of new urbanization, and actively support farmers and herdsmen and other new citizens to live in the city. Encourage and guide the banking financial institutions to increase farmers and herdsmen into the city to purchase ordinary housing credit support. The provincial finance office to support the development of local economy and society to reward work the banking financial institutions in the province in the year, the farmers into the city buyers credit support "financial development progress award" comprehensive evaluation.
at the same time, the banking financial institutions to increase the innovation of housing finance products, and actively support farmers and herdsmen and other new citizens into the city to purchase, promote farmers and herdsmen settled loan and other services. Encourage the Agricultural Bank branch in Qinghai province to actively promote the "herdsmen home loan", the provision of housing loans to meet the loan conditions of migrant farmers and herdsmen, the loan interest rate by Shoufu ratio to give the corresponding concessions, the purchase of the first payment of 30% (not including) the following, the implementation of the benchmark interest rate to 50%; 30% (inclusive), the implementation of the benchmark interest rate 5% off; the purchase Shoufu ratio reached 50% (excluding) above, the implementation of the benchmark interest rate 15% off. Maximum loan period of not more than 20 years. By the borrower to choose matching principal and interest, equal principal repayment. According to the seasonal characteristics of the income of farmers and herdsmen, allowing borrowers to take monthly, quarterly, half a year or one year repayment frequency. Early repayment of mortgage loans to borrowers, waive the penalty.
to meet the local conditions of the city purchase settled herdsmen, and their spouses, unmarried children living together, parents can purchase location to apply for permanent residence registration, in education, social insurance and urban residents enjoy the same treatment. In addition, the voluntary withdrawal of homestead and farming, forestry and grass herdsmen to buy commercial housing, according to the exit legal homestead area and the housing depreciation value, to give a one-time purchase award by the local people’s government. Its original household registration (excluding land has been withdrawn from the homestead) or woodland, grassland contract management rights unchanged, the original collective property rights unchanged. All banking financial institutions shall carry out the rural land contractual management right and the pilot work on the mortgage of housing property right of farmers and herdsmen.