1, Chongqing: housing price changes, property tax credit measures to curb "real estate speculation"
According to the adjusted property tax policy, "individuals who are not registered in Chongqing, enterprises and work newly purchase the second and above ordinary houses" in the "collection object" is adjusted to "individuals who are not registered in Chongqing, enterprises and work newly purchase the first and above ordinary houses". The new policy will be implemented on October 20th, 2009/KLOC-0. 14. It is reported that this policy is to curb the profit-making behavior of "real estate speculation".
At the same time, ICBC Chongqing Branch, Chongqing Rural Commercial Bank, Three Gorges Bank and other 12 financial institutions and the municipal housing provident fund management center jointly issued a statement, resolutely opposed all forms of real estate speculation, and took measures to crack down on real estate speculation, including refusing to apply for real estate speculation credit for "three noes" personnel; Commercial mortgage loans and provident fund loans will be suspended for illegal enterprises suspected of driving up house prices, hoarding real estate and publishing false information.
2. Beijing will continue to implement the policy of restricting the purchase of commercial housing, which will not rule out strengthening the policy.
Beijing Municipal Commission of Housing and Urban-Rural Development said that in 20 17 years, Beijing will continue to implement differentiated taxation and credit policies for the real estate market. As an effective policy measure, purchase restriction will continue to be adhered to considering the sustainable development of population, resources and environment in Beijing, but it does not rule out that the policy will be strengthened.
3. Commercial housing in many places in Shandong continues to restrict purchases and loans.
At the working conference on housing and urban-rural construction in Shandong Province held on 14, it was decided that hot spots and potential hot spots such as Jinan and Qingdao should increase the effective supply of housing and land this year, and continue to implement measures such as restricting loans, purchases and sales to ensure that house prices do not rise. Other cities in Shandong Province should promote the destocking of commercial housing in an orderly manner and actively resolve the non-residential inventory. Prevent the volume and price of commercial housing from skyrocketing.
4. Shanghai: The incremental innovation of individual housing loans is low.
According to the data of the central bank, with the continuous emergence of the effect of Shanghai's real estate regulation and control, the growth rate and incremental proportion of personal loans have dropped significantly. From the first quarter to the fourth quarter, individual housing loans increased by 9173 million yuan,155 million yuan, 74.77 billion yuan and 6.7190 million yuan respectively. In the third and fourth quarters, the quarterly increment of loans dropped significantly, with an increase of 1.547 billion yuan in February, a record.
20 17 summary of real estate policies
1, preferential tax policies
The Ministry of Finance, State Taxation Administration of The People's Republic of China and the Ministry of Housing and Urban-Rural Development jointly issued a notice to adjust the preferential policies for deed tax and business tax in real estate transactions from February 22nd.
(1) deed tax:
The deed tax will be levied at a reduced rate of 1% for individuals who purchase the only family house (family members include the purchaser, spouse and minor children) with an area of 90 square meters or less; If the area is over 90 square meters, the deed tax shall be levied at the reduced rate of 1.5%;
For individuals who purchase a second set of improved family housing with an area of 90 square meters or less, the deed tax shall be levied at a reduced rate of 1%; If the area is more than 90 square meters, the deed tax shall be levied at a reduced rate of 2%;
And the new policy no longer distinguishes between ordinary and non-ordinary houses (whether the building area exceeds 144 square meters).
② 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; Individuals who purchase houses for more than 2 years (including 2 years) for external sales shall be exempted from business tax. Previously, this policy only exempted sales of ordinary houses (single building area 144 square meters or less) purchased by individuals for more than 2 years (including 2 years).
2. Encourage both renting and selling.
In view of the housing rental situation, the relevant departments give subsidies to encourage institutional investors to become housing in the rental market, thus reducing inventory. At the end of 20 15, the central economic work conference clearly pointed out that it is necessary to expand the housing leasing market, encourage natural persons and various institutional investors to buy existing commercial housing, become the main body of housing supply in the leasing market, and encourage specialized enterprises with housing leasing as their main business to buy houses.
3, residence permit new deal
The threshold for applying for a residence permit has been lowered. You can get a residence permit as long as you have lived in the business premises for half a year (in some areas). The residence card provides benefits for the applicant's employment, social security, settlement of points, provident fund, etc. It will be easier to settle down and buy a house in the future.
4. Adjust the interest rate of provident fund loans.
20 15 the central bank cut interest rates five times in a row, and the pressure on buyers to buy a house is really small. If property buyers buy a house in Beijing, they can save hundreds of thousands of interest. Some homebuyers who carry the burden of house slaves can reduce a lot of repayment pressure. At present, the interest rate of provident fund loans with a term of less than 5 years is 2.75%; The interest rate of provident fund loans for more than five years is 3.25%.
5. Farmers have subsidies for buying houses.
In order to get rid of real estate inventory, the government encourages migrant workers to buy houses in cities. At present, all localities are also stepping up efforts to introduce various subsidy policies for migrant workers to buy houses in cities. For the first time, Henan introduced the subsidy policy for migrant workers to buy houses in cities: migrant workers can enjoy the subsidy of 200 yuan per square meter when they buy houses in cities, which saves part of the purchase cost for migrant workers.
6. The household registration system is starting again.
By the end of 20 15, 1 1, the area for sale of new commercial housing in 50 typical cities was 373 million square meters, and the overall area for sale of commercial housing in China reached 696 million square meters. In the face of nearly 700 million square meters of property market inventory, the household registration system of turning over a new leaf has become the main means of destocking in various places. Therefore, the Shanghai authorities clearly reported that the focus of urban support should be shifted to the suburbs to further improve the growth of the suburbs; According to the report of the authoritative department of Hebei Province, by 2020, the urbanization rate of registered population and permanent population will reach 48% and 67% respectively.
7. The down payment of the loan is reduced.
① Provident fund loan: 20% down payment for the first suite; The down payment for the second home loan is 20%, and in some cities it is 30%.
② Commercial loan: 25% down payment for the first suite and 20% down payment for some cities; 30% down payment for the second suite.