The down payment ratio for house purchases has been lowered, the interest rate on provident fund loans has been reduced, and the lower limit on mortgage interest rates has been abolished; The first batch of car trade-in subsidies in the country were issued; More than 20 provinces have realized the mutual assistance of medical insurance personal accounts and families in different places within the province...... Recently, many areas have continued to release people's livelihood benefits, do you know all these good news?
Buying a house comes with a lot of benefits
A number of blockbuster policies were released at the same time
Just three days ago, on May 17, four major policies in the property market were released at the same time, including the reduction of the down payment ratio for house purchases, the reduction of the interest rate on provident fund loans, the cancellation of the lower limit of mortgage interest rates, and the acquisition of inventory housing as affordable housing. In particular, the People's Bank of China announced on the afternoon of the 17th that it would provide 300 billion yuan of affordable housing reloans to support the government's collection and storage behavior, which aroused widespread concern in the society.
Reducing down payments, lowering interest rates, and canceling the lower limit, several new policies are undoubtedly good news for groups who want to buy houses. After the policy adjustment, the down payment ratio and mortgage interest rate will be at a historical low, further reducing the down payment threshold and cost of housing for residents, which is expected to boost residents' willingness to buy houses.
Many places also responded to the new policy as soon as possible, especially the provident fund loan interest rate policy has received positive feedback from all over the country. According to incomplete statistics, there have been Hefei, Chengdu, Suzhou, Chongqing, Shanghai, Guangzhou, Beijing, Shenzhen and other cities, as well as Jiangxi, Henan and other places have simultaneously lowered the interest rate of provident fund loans.
The interest rate of the housing provident fund personal housing loan was reduced by 0.25 percentage points, how much benefit can the depositor get? Taking the first housing provident fund personal housing loan with an amount of 1 million yuan and a term of 30 years as an example, if you choose the equal principal and interest repayment method, the monthly payment will be reduced from 4270.16 yuan to 4135.57 yuan, a decrease of about 135 yuan, and the total interest expense will be reduced by 48,500 yuan. The benefits for buyers are substantial.
It is worth noting that the scope of the loan interest rate adjustment includes both the newly issued housing provident fund personal housing loans and the existing housing provident fund personal housing loans. For personal housing provident fund loans that have been disbursed before May 18, 2024, the new interest rate will be implemented from January 1, 2025. New personal housing provident fund loans issued after May 18, 2024 (inclusive) will be directly executed according to the adjusted new interest rate. The Ministry of Housing and Urban-Rural Development said that it will guide the urban housing provident fund management center to do a good job in policy convergence in accordance with the regulations to ensure that depositors can enjoy the preferential policies as soon as possible.
The country's first batch of car trade-in subsidies have been issued
Where can I get the subsidy? How to get it? Here comes the fine print
At present, car trade-in activities are being carried out all over the country. Recently, the Ministry of Commerce, the Ministry of Finance and other seven departments jointly issued the "Implementation Rules for Automobile Trade-in Subsidy", which clarified the subsidy standards for automobile trade-in. In the past two days, the first batch of car trade-in subsidies in the country have been issued.
Guo Shiwei, a citizen of Ulanqab City, Inner Mongolia, bought a new car at a 4S store in Ulanqab City in early May, and simultaneously submitted the old car scrapping procedures, new car purchase information and bank card information on the unified platform of the business system of the Ministry of Commerce. On May 14, Guo Shiwei received a trade-in subsidy, which was also the first car trade-in subsidy issued in the country.
Got a heartbeat? For consumers who want to change their cars, it is a pretty good choice to participate in this car trade-in action. Here are a few more reminders:
The implementation time of car trade-in will start from the date of issuance of the "Detailed Rules for the Implementation of Automobile Trade-in Subsidy" (i.e. April 24, 2024) to December 31, 2024. The subsidy application period is from April 24, 2024 to January 10, 2025. If it is necessary to change the relevant information of the amendment, it should also be completed before 24:00 on January 10, 2025.
During the implementation period of the policy, a fixed subsidy will be given to individual consumers who scrap passenger cars with emission standards of China III and below or new energy passenger vehicles registered before April 30, 2018 (including that day), and purchase new new energy passenger cars or new passenger cars with a displacement of 2.0 liters and below that are included in the "Catalogue of New Energy Vehicle Models for Reduction and Exemption of Vehicle Purchase Tax" of the Ministry of Industry and Information Technology.
If a consumer purchases a new energy vehicle included in the Catalogue of New Energy Vehicle Models Exempted from Vehicle Purchase Tax Reduction and Exemption during the implementation period of the policy, can the consumer enjoy the subsidy if the model has been removed from the Catalogue of New Energy Vehicle Models Exempted from Vehicle Purchase Tax at the time of submitting the subsidy application?
The "Detailed Rules for the Implementation of the Trade-in Subsidy for Automobiles" clarifies that the invoice date of the "Uniform Invoice for Motor Vehicle Sales" is used as the basis for judgment, and the model can enjoy the subsidy in the "Catalogue of New Energy Vehicle Models for Reduction and Exemption of Vehicle Purchase Tax" of the Ministry of Industry and Information Technology on the date of invoicing.
The owner can scrap the old car first, or buy a new car first, and the "Scrapped Motor Vehicle Recycling Certificate", "Motor Vehicle Cancellation Certificate", "Motor Vehicle Sales Uniform Invoice", "Motor Vehicle Registration Certificate" and other supporting materials should be issued between April 24, 2024 and December 31, 2024.
There is one more thing you need to know. The "Detailed Rules for the Implementation of Automobile Trade-in Subsidy" also clarifies that the application for automobile trade-in subsidy for new cars and old cars must be the same person, and the scope of subsidies for automobile trade-in does not include unit vehicles, and the subsidy is only for individual consumers.
According to the relevant person in charge of the Ministry of Commerce, consumers can submit application materials and check the progress in real time through the web terminal and small program of the car trade-in platform. At present, all localities are speeding up the review and disbursing the funds to consumers as soon as possible.
More than 20 provinces have realized the mutual assistance of medical insurance personal accounts and families in different places within the province
Nine provinces will achieve this by the end of this year
According to the National Health Insurance Administration on the 18th, 22 provinces and the Xinjiang Production and Construction Corps have realized the mutual assistance of families in different places within the province of medical insurance personal accounts, including Beijing, Tianjin, Shanghai, Chongqing, Hebei, Shanxi, Inner Mongolia, Jilin, Jiangsu, Fujian, Jiangxi, Hunan, Guangxi, Hainan, Sichuan, Guizhou, Yunnan, Tibet, Gansu, Qinghai, Ningxia, Xinjiang and the Xinjiang Production and Construction Corps.
Zhejiang, Henan, Shandong, and Guangdong have partially realized mutual aid in the province and will all realize it by the end of this year, Anhui and Shaanxi will soon realize mutual aid in the province, and Liaoning, Heilongjiang, and Hubei will realize it by the end of this year.
Medical insurance personal account family mutual aid refers to the insured person after participating in the employee medical insurance, through the employee medical insurance personal account family mutual aid, the personal account is authorized to be used by the insured parents, spouses and children, such as to pay for the self-payment part of the compliant medical expenses. The realization of non-local mutual aid in the province means that the mutual aid and the recipient of the mutual aid are insured in the same province, but are not in the same overall planning area, and they can also give mutual aid to relatives.
At present, there is strong mobility of people throughout the country, and the realization of mutual aid in different places in the province will undoubtedly facilitate the use of medical treatment and medical insurance for a family to a large extent.
Here is an important reminder for you: According to the National Health Insurance Administration, the family mutual aid of the medical insurance personal account needs to meet two prerequisites: first, the parents, spouses and children of the insured have participated in the basic medical insurance (including employee medical insurance and resident medical insurance); The second is that the insured has handled the "family mutual aid" of the personal account of the employee's medical insurance.
The insured can handle it online through the "Employee Medical Insurance Personal Account Family Mutual Aid" function module of the local special area of the National Medical Insurance Service Platform App, the WeChat official account of the local medical insurance department, the official website, etc., and the specific channels will be disclosed to the public by the medical insurance department of each coordinating area, and the offline medical insurance hall can also handle the business.
Do not change the card, do not change the number, do not change the package
5G cross-network roaming is really coming
Nowadays, the vast majority of people basically keep their mobile phones with them, and it is really crazy to encounter areas with no signal. This time, there is a solution to this matter: without changing the card, without changing the number, without changing the package, you can use the 5G network of other operators.
What do you mean? That is to say: if you are using a card from a certain operator, and you go to a place where there is no 5G signal from this operator, as long as the 5G roaming service is opened in this place, you can roam to the 5G network of other operators, focusing on a silky smooth.
As long as the new 5G mobile phones entered the network after November last year, they all support 5G cross-network roaming function. After this function is enabled, in areas where 5G cross-network roaming services are enabled, when the operator does not have 5G network coverage, you can access the 5G network of other operators and continue to use 5G services.
What's even happier is that such a sharing network is also very cost-effective. Industry insiders said that when we use 5G different network roaming, the mobile phone is still in accordance with the original package, and it will not be because you use a telecom card, if you want to use the mobile network, you have to do an additional mobile package, not to mention paying any different network roaming fees and the like, just use it and it's over.
At this stage, 5G cross-network roaming technology is being piloted in Xinjiang for one year, and the results are not bad. Although this feature may not be available in the area you live in now, more regions will provide this service after the commercial promotion of 5G cross-network roaming is launched. Let's look forward to it! (Reporter丨Wang Ying; Final Review丨Chen Jingchao)
Source: Xinhuanet
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