New rules for buying a house in Shanghai
1. The tax standard for second-hand housing transactions has been adjusted.
If an individual sells a house that has been purchased for less than 5 years, the value-added tax will be levied in full;
If an individual sells a non-ordinary house that has been purchased for more than 5 years (including 5 years), the value-added tax shall be levied according to the difference between the sales income and the purchase price;
Individuals who sell ordinary houses that have been purchased for more than 5 years (including 5 years) are exempt from value-added tax.
And this one is to strengthen the self-occupation nature of houses and raise the tax on houses sold within five years.
2. control loans.
Strictly implement the differentiated housing credit policy.
Manage the concentration of real estate loans, strengthen the prudent management of personal housing loans, guide commercial banks to strictly control the pace and growth rate of personal housing loans, and prevent sudden lending.
Guide commercial banks to further strengthen loan audit management and strengthen the verification of the source of down payment funds and debt-to-income ratio of buyers.
Strictly guard against the illegal inflow of funds such as credit loans, consumer loans and operating loans into the real estate market.
This is actually very important, especially in this round of rise, credit loans, consumer loans and commercial loans are active again. But the next step needs practical measures to crack down on credit loans, consumer loans and commercial loans entering the property market.
3. New houses give priority to "families without houses"
Recently, the situation of "thousands of people shake the number" and "one room is hard to find" in Shanghai has frequently appeared in newspapers. In this regard, this time Shanghai also focused on the introduction of a new housing policy.
Among them, it is proposed to improve the notarization lottery system for new commercial housing, giving priority to meeting the demand of "families without housing" for self-occupied housing purchase.
This is deja vu, which reminds people of the "car-free family" that was the priority of Beijing minibus lottery before.
4. Increase land supply
Increasing supply from the supply side is the fundamental solution to the hot property market.
This time, Shanghai proposed to increase the supply of commercial housing land, especially around suburban rail transit stations and five new cities (Nanhui, Songjiang, Jiading, Qingpu and Fengxian New City).