1, personal transfer of housing for more than two years shall be exempted from business tax.

If an individual sells a house that has been purchased for less than 2 years, the business tax will be levied in full; 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 of the house; Individuals who purchase ordinary houses for more than 2 years (including 2 years) for external sales shall be exempted from business tax.

2. The down payment ratio of the second home loan dropped to 40%.

The central bank, the Ministry of Housing and Urban-Rural Development, and the China Banking Regulatory Commission jointly issued a notice to adjust the minimum down payment ratio to not less than 40% for households with/kloc-0 apartments and outstanding housing loans. Use the housing provident fund loan to purchase the first set of ordinary self-occupied housing, with a minimum down payment of 20%; Families who own a house and have settled their loans apply for housing provident fund to buy a house again, with a minimum down payment of 30%.

3. Strictly control the scale of land supply and improve the relationship between supply and demand.

Reasonably arrange the scale of housing and land supply; Optimize the housing and land supply structure; Coordinate the construction of affordable housing projects; Strengthen the supervision of market order and supply implementation.

Second, is there any capital to enter the stock market?

How can there be no funds to enter? It's just a matter of how much.

Third, the Ministry of Housing and Urban-Rural Development "named" 12 New Deal Inventory of Urban Property Market: Pay close attention to restrictions on purchases and sales, and strictly investigate mortgages.

As of May 27th, the progress bar of 202 1 reached 40%. During this period, the school district led the property market in some hot cities, and commercial loans illegally flowed into the real estate market. The prices of new and second-hand houses are upside down, the sentiment of investing in real estate speculation reappears, and developers and intermediaries violate the rules.

According to incomplete statistics, this year, the Ministry of Housing and Urban-Rural Development interviewed, supervised or investigated 13 cities, requiring all cities to give full play to the main responsibility of cities, insist on housing instead of speculation, solve outstanding housing problems, and ensure the smooth operation of the real estate market. Nanchang, a city of 13, was named by the Ministry of Housing and Urban-Rural Development. In this year's new policy, some clauses are inconsistent with the requirements of stabilizing land prices, housing prices and expectations. Guangzhou, Hefei, Dongguan and other cities are due to the recovery of the real estate market.

Up to now, with the exception of Nanchang's withdrawal from the new regulation policy, the other 12 cities have introduced new regulations on the property market during the year, which are regulated from various aspects, such as the supply of affordable housing or rental housing (the two may overlap), restrictions on sales and purchases, credit tax, new and second-hand housing transactions, etc. Sorting out the key points and characteristics of 12 hot cities during the year may have important reference significance for grasping the direction of national property market regulation.

Take various measures to alleviate the outstanding problems of urban housing

This year, the central government has repeatedly stressed that it is necessary to increase the supply of affordable rental housing and property housing by increasing land supply, arranging special funds and concentrating on construction, standardize the development of long-term rental housing market, and do its utmost to help new citizens and young people alleviate their housing difficulties.

Statistics show that at least 12 cities, including Shanghai, Shenzhen, Beijing and Chengdu, have introduced measures to alleviate the outstanding problems of urban housing, including the single-row rental housing land plan, increasing the supply of rental housing through multiple channels, arranging special funds to provide protection for urban family housing, and encouraging the development of centralized long-term rental enterprises.

In terms of specific landing, Beijing, Shanghai, Chengdu and other places have plans to lease residential land respectively. Among them, Beijing will supply 300 hectares of leased residential land this year, including 150 hectares for collective rental housing and 70 hectares for public rental housing, increasing by 100 hectares and 70 hectares respectively compared with last year, and * * accounts for 28.3% of residential land.

In addition to increasing the intensity of publicly transferring homestead to build affordable housing, Guangzhou also supports the use of collective construction land, stock land of enterprises and institutions, industrial supporting land and idle housing stock to build affordable housing.

Hefei proposed to deepen the pilot work of housing rental market development, strive to add more than 20,000 sets (rooms) of affordable rental housing this year, and strive to solve the housing problem of new citizens and young people.

Shenzhen issued the Interim Measures for the Management of Special Funds for Supporting Public Rental Housing Security and Urban shantytown Renovation, providing rental subsidies for urban housing security families, and providing special financial support for new (reconstruction, distribution and purchase) public rental housing expenditures and urban shantytown renovation.

"Three Limits" Tax Stabilizes Market Trading Sentiment

Restricting purchases, sales, loans and taxes has always been an important part of real estate regulation and control, which has a certain short-term effect on stabilizing the trading mood of buyers and cooling the property market. In this year's 12 hot cities, most cities have used one or more of them, but compared with before, the regulation is more detailed and targeted.

In terms of purchase restriction, Shanghai requires divorced buyers to buy houses, stipulating that if a divorced party buys houses within three years from the date of divorce, the number of houses it owns is calculated according to the total number of families before divorce; Hangzhou has made regulations on settled houses, and it is clear that those who have settled for less than 5 years will be restricted to purchase 1 house within the scope of purchase restriction, and the auction house will be included in the scope of purchase restriction.

In terms of restricted sales, Chengdu has put forward new requirements for hot projects, stipulating that the number of registered buyers is three times or more than the number of buyers in the current period, and the restricted sales period of purchased commercial housing is extended from three years to five years; Xi' an, on the other hand, implements the sales restriction policy as a whole, requiring that new houses be purchased in the restricted area after March 3 1, with a sales restriction of five years.

In terms of restricting loans, Dongguan has introduced a differentiated credit policy. According to the housing situation and loan situation of buyers in Dongguan, 30%-60% differential down payment will be paid when buying new houses, and commercial loans will be suspended for households with two or more houses. In addition, Shanghai, Shenzhen, Beijing, Hangzhou, Chengdu, Xi 'an and other cities have proposed to strengthen the management of personal mortgages and strictly investigate the illegal entry of operating loans into the property market.

In terms of taxation, the nine districts of Shanghai, Hangzhou and Guangzhou increased the period of exemption from value-added tax on housing transfer from two years to five years, and Ningbo expanded the space for checking the number of family housing units when paying deed tax.

Standardize the behavior of developers and intermediaries in a multi-pronged manner

In addition to restricting the purchase behavior of buyers, 12 hot cities have all issued policies to regulate the business and sales behavior of developers or housing agents, create a transparent and orderly trading environment for new and second-hand houses, stabilize market prices, and standardize market order.

In terms of new house transactions, Shanghai strictly implements the record management of new house prices and resolutely prevents the record price of listed sales projects from being too high; Wuxi clearly defines the composition of house prices and decoration standards, and stipulates that the price range of basic decoration is between 1500 yuan/square meter and 2,000 yuan/square meter. Developers are not allowed to cover the market and only provide upgrading and renovation plans; Chengdu stipulates that the number of registered buyers is three times or more than the number of houses for sale in the current period, and the qualifications for purchasing houses are reviewed, and the houses are selected according to specific requirements.

In terms of second-hand housing transactions, Shenzhen has established a reference price release mechanism for second-hand housing transactions to guide commercial banks to issue second-hand housing loans reasonably. Later, Chengdu proposed to establish a second-hand housing transaction reference price release mechanism, and Xi proposed to gradually establish a second-hand housing transaction reference price release mechanism. Regulating the price of second-hand housing has become a new measure to regulate the property market in hot cities this year, which is of certain significance to stabilizing housing prices. But a few days ago, the listing price of second-hand houses in Shenzhen was changed into fruit patterns, and the relevant departments investigated and dealt with it, reflecting that there is still chaos in the real estate market.

In order to combat the chaos in the real estate market, Shanghai, Shenzhen, Beijing, Wuxi, Chengdu, Guangzhou, Hefei and other places have carried out real estate market rectification actions, adopting an online and offline approach to regulate the market behavior of developers, intermediaries and intermediaries. However, judging from the recent situation, it is necessary to carry out market rectification actions continuously and normally.