The circular puts forward 16 policy measures from four aspects: increasing financial support, activating market demand, reducing the burden on enterprises, and optimizing industry service management.
Increase financial support.
The document proposes to support the financing of real estate enterprises. Guide financial institutions to distinguish between real estate project risks and enterprise group risks, and maintain the smooth and orderly delivery of real estate development loans. According to the industry integrity evaluation and project operation, timely release the white list of real estate enterprises, and support financial institutions to provide medium and long-term loans.
At the same time, commercial banks are encouraged to explore closed-end financing pilot projects for real estate projects, implement closed-end management of funds, and give preferential policies such as reducing loan interest rates and extending loan terms on the premise of compliance with laws and controllable risks. Support high-quality housing enterprises to issue bonds for financing, and coordinate and promote housing enterprises with overall financial health and short-term difficulties to issue bonds through credit enhancement; Support equity financing of local listed real estate enterprises.
The notice shows that Chongqing will also support the reasonable extension of stock financing such as development loans and trust loans. Encourage financial institutions and real estate enterprises to independently negotiate the extension of stock financing on the premise of ensuring the security of creditor's rights and following the principle of voluntary compliance with laws and regulations. From the date of 1 65438+1October 1 1 in 2022, the real estate financing due in the next six months can be extended1year on the basis of the original provisions. If the due loan has been extended, it shall be extended again according to the relevant documents. Support financial institutions to adjust the term of real estate loans, repayment plans and interest-bearing periods according to laws and regulations by adjusting repayment plans.
Increase support for the financing of existing assets. Support financial institutions to upgrade commercial stock assets, first approve the total amount of loans, and then issue loans according to the progress of upgrading and transformation.
Stabilize the credit supply of construction enterprises. On the basis of controllable risks and sustainable business, financial institutions are encouraged to optimize credit services for construction enterprises and maintain sustained and stable financing for construction enterprises. Support the pledge of accounts receivable of construction enterprises to increase credit, but it shall not be used for project financing of real estate enterprises. We will continue to provide credit support to construction enterprises that are in good continuous operation and are affected by passive litigation because of real estate enterprises' involvement in risks.
Support the reasonable credit demand of leasing enterprises and brokerage institutions. Increase financial support for housing leasing enterprises and brokerage institutions, and encourage financial institutions to optimize credit policies for qualified enterprises to meet the capital needs of enterprises.
Activate effective market demand
Chongqing will optimize the identification of commercial loan housing units. If residents buy new houses in districts and counties outside the central city, personal housing commercial loans will only include houses in their districts and counties. Residents will revitalize the stock of housing for affordable rental housing and long-term rental housing, the housing lease contract has been filed, and has made a commitment to affordable rental housing or long-term rental housing, can not be included in the calculation of family housing units; In principle, a family can only subtract one set.
Support the demand for rigid housing loans. Non-local residents who work and live in Chongqing buy their first home in Chongqing and enjoy the same personal housing loan policy as local residents. Support the individual housing loan demand of Sichuan residents in Chengdu-Chongqing twin-city economic circle to buy the first house in Chongqing, and enjoy the same city treatment for Sichuan Guang 'an residents who are included in the development plan of Chongqing metropolitan area to buy houses in Chongqing metropolitan area.
Increase the intensity of monetized resettlement. In principle, we will suspend the examination and approval of resettlement housing construction in the central city, and encourage district and county governments to implement monetary resettlement in housing expropriation and collective land acquisition compensation.
Promote a virtuous circle of second-hand housing. Support "buy new and sell old" families to buy improved housing. For the only family housing to be sold, real estate enterprises can extend the subscription period and support them to sell the original housing; The only family housing that has been sold online shall not be included in the verification scope of housing loan sets.
Effectively reduce the burden on enterprises
The "Notice" shows that the financial pressure of enterprises will be further reduced. According to the contract, the sold land should be paid before June 65438+1October 3 1 2023. However, if the enterprise fails to pay on time, the payment period can be extended for 3 months, during which no penalty will be levied. For the sold unfinished land, the commencement and completion period can be extended by 3 months according to the contract, and no penalty will be levied during this period.
Optimize the policy of deferred payment of supporting fees for urban infrastructure. The supporting fees of urban infrastructure that should be paid for real estate development projects can be applied to the local government by real estate enterprises, and the payment will be postponed after approval according to the prescribed procedures. The deferred payment time shall not exceed 6 months from the date of approval by the local government. If the same project has handled the pre-sale permit of commercial housing for many times (twice or more), it can be paid after the first handling of the pre-sale permit of commercial housing and before the second handling. If the supporting fee due from June 1 65438+1 October1June 65438+February12022 is postponed, the late payment fee for this period will not be calculated.
Optimize the supervision of project funds. For real estate development projects that have gone through the formalities of depositing project capital, real estate enterprises can apply for using supervision project capital in different buildings according to the project construction progress. For real estate development projects that have gone through the formalities of capital deposit for new projects, real estate enterprises can apply for deposit in batches: 40% of the approved supervision quota is paid for the first time, and the remaining 60% can be given a six-month buffer period. During the caching period, if the image progress of the development project meets the requirements of fully using nodes, the remaining project capital can not be replenished.
Give full play to the role of housing lease fund. Accelerate the allocation of housing rental funds, establish a reserve project library, and increase loan support for projects to be invested. For the reserve projects to be invested, the Housing Leasing Fund will support relevant platform companies to purchase existing commercial housing for affordable rental housing or market-oriented rental housing.
Optimize industry service management
Document requirements, to carry out online services for housing transactions. Accelerate the improvement of the functional modules of the pre-sale permit service system for commercial housing, implement online processing and adopt the project schedule commitment system. Through the "Chongqing Online Real Estate Exhibition and Exhibition Platform" WeChat applet, we will provide all-weather online house viewing, house selection, consultation and subscription services for the masses. Support real estate brokerage institutions and housing leasing enterprises to carry out services such as housing release, customer registration, information verification and matching transactions through the "Chongqing Kuaizhu" housing service platform.
Continue to hold online housing fair. The online housing fair in autumn 2022 will be postponed for two months to encourage real estate enterprises, financial institutions and the media to actively participate, give policy support, strengthen policy propaganda, enhance confidence and stabilize market expectations.
Give play to the role of trade associations as bridges and ties. Give full play to the role of the municipal real estate association, the municipal appraisal brokerage association and the municipal development association as a bridge to promote the linkage between housing sales and consumption of home improvement, home appliances, furniture and automobiles; Regularly carry out docking services between banks and real estate enterprises, banks and brokerage institutions, share information with each other, break down information barriers, and improve the convenience, accuracy and success rate of docking between banks and enterprises.