1, increase personal housing credit support.
Fully implement the requirements of policy documents such as "recognizing the house but not the loan", "adjusting and optimizing the differentiated housing credit policy" and "reducing the interest rate of the first home loan", and adjust the minimum down payment ratio of the first home in Maoming City to 20% and the lower interest rate limit to LPR-20BP；; Because of the city's policy; The minimum down payment ratio of the second suite is 30%, and the lower interest rate limit is LPR+20BP；; ; At the same time, reduce the interest rate of the first home loan according to law. To meet the reasonable financing needs of rigid and improved buyers to a greater extent and stabilize residents' consumption expectations.
2. Increase support for housing provident fund.
For those who apply for provident fund personal housing loans for the first time and apply for provident fund personal housing loans again to improve their living conditions, the minimum down payment ratio is not less than 20%, and the purchase of new commercial housing in Maoming city is allowed to withdraw housing provident fund to pay the down payment.
3. Implement preferential tax policies for real estate transactions.
The transferor enjoys: the transferred residence is exempt from VAT for two years. The only living room that has been transferred for five years is tax-free. Transfer of residence is exempt from land value-added tax. Transfer of residence is exempt from stamp duty. The transferee enjoys: the deed tax collection standard for the only house in the family, which is1%for 90㎡ and below; Over 90㎡ is 1.5%. The deed tax collection standard for the second set of improved housing for families is 90㎡ and below1%; More than 90㎡ is counted as 2%. Transfer of residence is exempt from stamp duty.
4. Encourage housing promotion activities.
Encourage housing associations and real estate development enterprises at all levels to carry out various forms of housing promotion activities, including public purchase and group purchase activities, to guide housing consumption expectations. The marketing expenses incurred by real estate development enterprises in promoting housing consumption activities shall, after being audited by the competent department, apply for appropriation in accordance with the relevant provisions of the Measures for the Supervision of Commercial Housing Pre-sale Funds in Maoming City.
5. Optimize the housing transaction process.
Promote the "mortgage transfer" mode of second-hand houses and actively explore the new mode of "mortgage transfer" of first-hand houses. Standardize intermediary services for second-hand housing transactions, strictly implement the system of clearly marked prices of brokerage agencies, prohibit illegal fees for brokerage services, and encourage real estate brokerage agencies to provide one-stop services and one-time fees. Implement the policy of "issuing certificates upon delivery".
6, standardize the supervision of pre-sale funds
Study and strengthen the risk control measures of pre-sale funds. Referring to the practice of some cities in the province, pre-buyers purchase pre-sale commercial housing and deposit all the pre-sale funds of commercial housing directly into special accounts; When the developer applies for the withdrawal of the pre-sale payment, the receipt submitted must clearly indicate the corresponding commercial housing project name and project name. Ensure that the funds in the supervision account are safer and consumers are more secure after buying a house.
7. It is convenient for enterprises to calculate development costs and file tax returns.
The public transfer of new multi-purpose land for residential and commercial services should specify the land price of each use in the transfer announcement. Tax authorities at all levels should strengthen tax guidance for real estate enterprises, guide enterprises to correctly handle a series of problems brought about by changes in tax collection policies, and actively solve reasonable tax-related problems raised by enterprises.
8. Accelerate the supporting construction of municipal and public service facilities.
The land price of newly transferred real estate development projects shall include the supporting construction cost of municipal infrastructure. Before the commercial housing project reaches the pre-sale conditions, the government functional departments will take the lead in completing the construction of main roads and residential roads around the project, the setting of garbage stations, the connection of power supply lines, and the laying of water supply, drainage and sewage pipe networks. Timely announce the construction, completion progress and putting into use time of public service facilities such as education and medical care around the development project, speed up the progress of supporting construction, and ensure the delivery within the published time limit.
9. Optimize real estate project services.
All relevant units should establish a real estate project service officer system to provide point-to-point "clerk" services for development projects. Re-sort out the problems of "pain points, blocking points and difficulties" in the process of doing business, as well as the charges related to enterprises, especially the charges related to water, electricity and cable TV, which are strongly reflected by enterprises. Further optimize business processes, improve efficiency, reduce the burden on enterprises and create a better business environment.
10, strengthen the order management of the real estate market.
Standardize the business behavior of real estate enterprises and real estate agents, continue to carry out special rectification of the real estate market order, incorporate the illegal and disorderly behaviors of real estate enterprises and real estate agents into the management of industry integrity construction, and make a timely announcement to the public to safeguard the fairness of real estate market transactions and safeguard the legitimate rights and interests of buyers.
Please refer to Maoming for the above contents. Com- Our city has issued ten measures to promote the property market to benefit people's livelihood.