Just after the May Day holiday, Taizhou housing market ushered in new benefits.
Yesterday, the Business Daily reporter learned from relevant departments that the new real estate policy in Taizhou has been officially introduced. The policy involves six aspects: approval, service, second-hand market and finance. This will undoubtedly inject another shot in the arm into the real estate market after March 30. Both real estate developers and property buyers will enjoy the benefits brought by the policy.
buyer
Joint office of three certificates
According to the Notice on Further Improving the Examination and Approval Efficiency and Optimizing the Development Environment of the Real Estate Market (hereinafter referred to as the Notice), individual housing transactions are subject to the "three certificates joint office". Finance (local tax), housing management, land and resources related windows are subject to "one-time notification, simultaneous acceptance, step-by-step handling and unified certification", in which the second-hand housing transaction is required to be completed within 5 working days.
"This new policy has really saved a lot of trouble for real estate agents and consumers. In the past, buying a house and changing households had to run many departments, and many departments were not necessarily in one place, which was more troublesome to handle. " Huang, chairman of Taizhou Guanjia Real Estate Agency Co., Ltd., lamented that Taizhou's real estate policy is the strongest in recent years.
The down payment for provident fund loans is reduced to 20%
The municipal government document just came out, and the provident fund policy followed closely.
Yesterday, the Municipal Housing Provident Fund Management Center issued the Notice on Adjusting the Relevant Policies of Taizhou Housing Provident Fund Personal Housing Loan. Citizens use housing provident fund loans to purchase the first set of ordinary self-occupied housing, and the minimum down payment ratio is reduced to 20%.
Take the total purchase price of the first suite as an example. According to the new policy, the down payment is only 300 thousand. If both husband and wife have paid the provident fund, they can enjoy a provident fund loan of 800,000 yuan, and only need to borrow another 400,000 yuan.
At the same time, the city housing provident fund management center has also supplemented the citizens who are not the first suite. According to the document, for those who own 1 apartment and have settled the corresponding housing loan, the minimum down payment ratio is 30% if they apply for housing provident fund loan to buy ordinary self-occupied housing again to improve their living conditions. If the corresponding commercial housing loan is not settled, the minimum down payment ratio is 40%.
Business tax shall be exempted for 5 to 2 years.
In the New Deal, the second-hand housing market has also become the focus of government assistance.
According to the "Notice", individuals who purchase ordinary houses for more than 2 years (including 2 years) for external sales are exempt from business tax; If an individual sells a non-ordinary house that has been purchased for more than 2 years (including 2 years), business tax shall be levied according to the difference between the sales income and the purchase price.
There are two technical terms that the general public may not understand, one is ordinary housing and non-ordinary housing, and the other is price difference business tax.
According to relevant regulations, ordinary houses are ordinary houses with a housing area not exceeding 144 square meters, and non-ordinary houses are houses with a housing area exceeding 144 square meters. Difference business tax refers to the difference between the seller's purchase of real estate and the sale of real estate, and then taxes the difference.
"This part is mainly aimed at improving housing. According to our experience, the total purchase price of citizens is generally between 6.5438+0.2 million yuan and 6.5438+0.5 million yuan. " Huang said that this policy is in line with national policies and has indeed brought many benefits to property buyers.
Then, take the total purchase price of 6.5438+0.5 million yuan as an example. The New Deal stipulates that ordinary houses and second-hand houses with an area of 144 square meters or less are exempt from business tax for two years. According to the current business tax rate of 5% implemented in Taizhou, citizens will save 75,000 yuan in business tax.
If it is a non-ordinary house with an area of more than 144 square meters, the second-hand house transaction after 2 years only needs to pay the difference business tax. Take the total price of 2 million as an example. For a non-ordinary house with a price of 2 million yuan, in two years, the owner will buy the house price of 6,543,800 yuan+0.5 million yuan, and the difference of 500,000 yuan in the middle will need to pay the business tax of 25,000 yuan. Before that, it is necessary to pay the full business tax of 6,543,800 yuan+0,000 yuan, which can save 75,000 yuan.
estate/house agent
Soil and water conservation and environmental impact assessment need prior approval.
Many real estate developers "real estate approval is like the Long March" to describe the triviality they encountered in the approval process. This triviality will be reduced or even reduced a few days ago.
According to the requirements of the Notice, it will be required to clean up the unreasonable front links and charging items of relevant departments. It is clearly required that before the land for real estate development and construction is transferred, the water and soil conservation plan and environmental impact assessment should be submitted for approval.
Yesterday afternoon, the reporter asked the relevant departments for verification. Relevant staff told reporters that counties (cities, districts) will formulate different approval procedures according to local actual conditions, which may not be unified throughout the city.
The reporter then contacted the land department of the development zone. A staff member told the reporter that the specific implementation rules have not yet been determined because of the notice just received. However, he made it clear that the approval of water conservation and environmental assessment involved in the Notice will be assisted according to the actual situation of the enterprise.
The director also welcomes this provision. "After some projects are completed ahead of schedule, it can reduce the development time in the later stage of our project and shorten the development cycle of the whole project." Pan Pubin, assistant general manager of Fiona Fang Real Estate Development Co., Ltd. said.
Adjustable sleeve structure
The Notice stipulates that for commercial housing projects under construction, real estate development enterprises are allowed to appropriately adjust the structure of Xing Tao to meet market demand without changing the necessary planning conditions such as land use nature and floor area ratio.
Before the promulgation of this regulation, the director is required to carry out construction according to the engineering drawings submitted by the housing management department.
"Our project is relatively large. Generally, it will not be changed after the drawings are finalized, because later changes may make the project unreasonable. However, this policy may have an impact on some houses with mother-child structure. " Pan Pubin said that the internal adjustment of the mother-child suite will not affect the use. After the new policy comes out, if the market needs it, such two suites can be turned into one suite.
The property warranty can be extended.
The preferential policies of the supervisor extend to the real estate field. The "Notice" pointed out that if a real estate development enterprise has developed a project within the jurisdiction of the competent department of property warranty, it can postpone the payment of property warranty after the enterprise provides physical housing with the same value and the housing management department restricts sales.
This provision has reduced a lot of financial pressure for real estate developers.
Based on the property warranty payment per square meter in 80 yuan, a project with a residential area of * * * 65,438+10,000 square meters will be delayed to pay 8 million yuan.
However, the document also proposes that counties (cities, districts) will make adjustments according to local actual conditions.
market response
As soon as the notice and provident fund policy were introduced, many well-informed people in the industry excitedly "rushed to inform" on Weibo and WeChat.
Huang, the person in charge of the real estate agency, also said that the government's policy is very strong and will definitely promote the next housing market. "During the period when the national policy came out, although the seller was watching, there were many more people coming to see the house. I predict that the transaction volume will definitely double this year. "
Pan Pubin, a real estate agent, also believes that the next real estate market will definitely pick up. "Since April, the number of people who come to our property every day has at least doubled. Next, it will definitely increase. "
Pan Pubin believes that now is a good time to buy a house and live in it. "The price is basically unlikely to fall or rise, basically the same as it is now. Now the housing is relatively abundant and can be selective. "