The first is to coordinate the prevention and control of the epidemic and support the demand for reasonable housing purchase. During the epidemic prevention and control period, real estate development enterprises and real estate brokers are actively encouraged to build trading platforms, do a good job in clearly marking online houses and publicizing "one room, one price", provide online remote house viewing, inquiry negotiation and other services for buyers, and sign online house sales contracts with electronic signature technology to provide convenient conditions for buyers. For real estate agents with better sales of first-hand houses, the government will give subsidies such as rent, water and electricity, and the implementation time limit is tentatively set at the end of 2022.
The second is to optimize the channels for raising resettlement houses and affordable rental houses. Combined with the actual situation of Cheng 'an County, actively revitalize the stock market. If a real estate development enterprise has a large amount of commercial housing inventory, it may apply to the government to turn it into affordable rental housing or use the land for existing commercial housing as resettlement housing for the reconstruction of villages in cities. Allow the resettled people to make their own choices among monetized resettlement, off-site physical resettlement and resettlement.
The third is to fully guarantee the reasonable housing demand of imported talents. The introduced high-level talents come to Cheng 'an County to start businesses and buy commercial housing for their own use, which is not restricted by the housing policy. The housing registration department gives priority to housing registration and solves the problem of rent-free apartment housing for experts, giving 80 thousand yuan to doctors and 50 thousand yuan to masters respectively. Those who apply for public rental housing are not subject to conditions such as income, years of social security and years of residence permit.
The fourth is to meet the reasonable capital demand of real estate. Implement the minimum down payment ratio of the first set of commercial personal housing loans in the region and the lower limit of the market quotation price of the first set of commercial personal housing loans with the same term reduced by 20 basis points to meet the normal housing needs of the people; Guide financial institutions to lower the actual weighted average interest rate of individual housing loans by 30 basis points to reduce the economic pressure of buyers; Guide financial institutions to seize the favorable opportunity of policy adjustment and increase investment in personal housing loans. At the same time, guide financial institutions to meet the reasonable financing needs of real estate enterprises in terms of new real estate development loans and loan extension, further increase the total amount of real estate loans, and strive to increase the total amount of real estate loans by the end of 2022 compared with the end of June.
Fifth, the personal housing and consumer loans affected by the epidemic have been postponed to repay the principal and interest. For those who are hospitalized or quarantined in COVID-19 due to infection, quarantined for observation due to epidemic situation or lost their livelihood, financial institutions can flexibly adjust repayment plans by reasonably delaying repayment time, extending loan term and delaying repayment of principal. For deferred loans, adhere to the substantive risk judgment, do not downgrade the loan risk classification solely due to epidemic factors, do not affect the credit record, and waive the penalty interest.
The sixth is to implement the phased support policy for housing provident fund. Enterprises affected by the epidemic can apply for deferred payment of housing provident fund in accordance with the regulations, and pay it back after the expiration. During this period, the paid employees will normally withdraw and apply for housing provident fund loans, which will not be affected by deferred payment. The implementation time limit is tentatively set at the end of 2022. If the depositor affected by the epidemic cannot repay the housing provident fund loan normally, it is not overdue and is not submitted to the credit information department as an overdue record.
Seventh, adjust the image progress requirements of the pre-sale permit of commercial housing. For real estate development projects that have obtained construction permits, if the progress of the pre-sale image of single buildings reaches plus or minus zero, they can apply for pre-sale permits, and the implementation time is tentatively set at the end of 2022.
Eight is to optimize the supervision measures of real estate development funds. For the supervision of pre-sale funds of newly-built commercial housing, a node of "half completion of secondary structure" is added between the two nodes of the main structure capping and the completion of secondary structure, and the node review standard is half completion of secondary structure. The cumulative amount of funds applied by the node shall not exceed 70% of the key supervision funds, and the implementation time limit is tentatively set at the end of 2022. For new real estate projects started this year, the capital of real estate development projects will be suspended until the end of the year.
The ninth is to use green financial policies to support the development of green buildings. For green building projects such as ultra-low energy consumption buildings, star-rated green buildings, building renewable energy applications, prefabricated buildings and energy-saving green renovation of existing buildings that meet the scope of green financial support, the project review time will be advanced to solve the problem that the green building review time does not match the project financing demand, and support projects to enjoy green financial policies such as credit line, credit scale and interest rate pricing in time. At the same time, the development unit can enjoy the national support policy for ultra-low energy consumption green building construction.
The tenth is to implement the system of "handing over houses and certificates". Promote the integration of surveying and mapping, acceptance and real estate registration processes. Strengthen daily supervision, adopt the method of sub-item acceptance, promote new development projects to require immediate delivery of certificates in the pre-sale of commercial housing, and realize the acquisition of immovable property certificates when new commercial housing is handed over. In the same batch of development projects, if the first batch of newly-built commercial housing is delivered more than 50%, the development enterprises will be given pre-sale supervision funds and credit incentives.