The office of Zunyi Municipal People's Government stated that the Measures aim to further implement the policy of "keeping land prices stable, housing prices stable and expectations stable" and "ensuring the delivery of houses, people's livelihood and stability", improve the dual cycle of housing market and security system, support rigid and improved housing demand, improve the real estate market environment and promote the virtuous cycle and healthy development of the real estate industry.
In terms of increasing credit and financial support, the Measures stated that banks and enterprises will be docked regularly, financial institutions will be encouraged to support the reasonable financing needs of real estate development enterprises in accordance with the principle of marketization, and the differentiated housing credit policy and loan guarantee system of "one building, one policy" will be implemented, and support for high-quality projects will be increased to keep real estate development loans stable and orderly. Encourage the development of real estate trust fund business and introduce new market development funds. Effectively protect the reasonable credit demand of individual housing, guide compliant financial institutions to increase the supply of individual housing mortgage loans, reasonably determine the minimum down payment ratio and minimum loan interest rate requirements for commercial individual housing loans within their jurisdiction, and encourage and guide financial institutions to minimize the housing mortgage interest rate; Encourage and guide financial institutions to implement the 20% down payment policy for the first set of housing loans, and implement the first set of housing loan policies for families who own houses and settle their home purchase loans and apply for loans to buy houses again to improve their living conditions; If it meets the loan granting conditions, the loan granting period shall not exceed 15 days. Financial institutions that support the development of loans and reduce the interest rate of personal mortgage loans will be supported in increasing government financial deposits and fund accounts.
In terms of increasing policy support for housing provident fund, the Measures propose to relax the access conditions for individual housing loans for housing provident fund, and you can apply for access if the image progress of the main structure of real estate houses exceeds 70% (inclusive). Expand the support area of housing provident fund personal housing loans to the whole country, that is, employees who have paid the housing provident fund in full and continuously outside Zunyi City, and their spouses have Zunyi household registration, can apply for housing provident fund personal housing loans in Zunyi. The maximum loan amount of individual housing loans for employees who purchase unfinished housing and finished housing in a single deposit will be raised to 450,000 yuan and 500,000 yuan respectively; The maximum loan amount for employees with double deposits to purchase unfinished housing and finished housing and apply for housing provident fund personal housing loans will be raised to 550,000 yuan and 600,000 yuan respectively; The maximum loan amount of individual housing loans for the introduction of high-level talent housing provident fund in Zunyi City will be increased to 700,000 yuan.
Combined with regional development and commercial housing inventory, Zunyi will cultivate land market and enhance land value by adjusting supply structure, optimizing industrial layout, strengthening functional supplement and improving infrastructure. Scientifically determine the rhythm of land supply, and timely adjust the scale, structure and timing of land supply for commercial housing. For counties (cities, districts) where the digestion cycle of commodity housing inventory is less than 6 months, speed up the pace of land supply; /kloc-reduce land supply from 0/8 to 36; For more than 36 months, the land supply will be stopped in principle. Moderately control the supply of commercial land, adjust the commercial-residential ratio according to the actual market situation, build commercial housing by district, and slow down or stop the supply of land for areas where the digestion cycle of commercial real estate inventory exceeds 24 months. Combined with the regional commercial and residential inventory and market demand, commercial land can be adjusted to residential land after approval.
Accelerate the transformation and upgrading of the real estate industry, implement the action of cultivating real estate development enterprises, further focus on the areas with production city, cultural tourism, recreation and long-term rent as the core, improve the management level and anti-risk ability, and promote the healthy development of the industry. Improve the dual cycle of housing market and security system, and support rigid and improved housing demand. Coordinate urban renewal and renovation projects and commercial housing destocking, broaden the channels and methods of resettlement, and encourage the expropriated people to choose physical resettlement. Encourage enterprises to innovate residential product types. Under the premise that there are no horizontal hollow plates, connecting beams, upper plates and other structures in the vertical space between the bottom plate and the top plate of a residential balcony, the unsealed balcony whose vertical height from the bottom plate to the top plate reaches or exceeds two natural floors is regarded as a balcony, and the construction area is not calculated, and it is not included in the plot ratio calculation; The upper limit of residential building height is adjusted from 3 meters to 3.6 meters; Cancel the parking space zoning requirement, and uniformly allocate 1 parking space every 100 square meter.
At the same time, the "Measures" require standardizing the approval of pre-sale permits for commercial housing. The pre-sale permit of commercial housing shall be examined and approved according to the building, and shall not be examined and approved by layers and units, and the pre-sale permit conditions stipulated by laws and regulations shall not be simply replaced by image progress. If it is really necessary to take the image progress of the project as the assessment condition, the image progress requirements shall be calculated in strict accordance with the standard of reaching more than 25% of the total investment of the project construction and combined with the actual classification.
In addition, in terms of regulating the management of underground space, the Measures require that, except for civil air defense parking spaces, the scale of underground space has been specified in the land transfer contract and the actual construction of the underground floor has not exceeded June (excluding)+10 (excluding) in 2007, the land transfer fee for underground space will not be paid, and the property right registration of underground space will be handled according to the land transfer right. If the right to use the above-ground construction land has been obtained since June (65438)+1 October (1) in 2007, and the underground garage or commercial construction has been approved by the planning, the garage shall pay the land transfer fee for the first underground floor according to "70% of the benchmark land price in 2020 edition × the land use life correction factor× the construction area", and the transfer period shall be used by the main body of the above-ground construction land use right. According to "2020 edition benchmark land price × land service life correction coefficient × construction area", commercial enterprises pay underground land transfer fees, and the transfer years are calculated according to the remaining commercial service life; No land price is levied on the second floor underground and its following parts. Failing to pay the transfer fee for underground space land that meets the planning, the completion plan of this part shall be approved in advance, and the first registration shall be made with reference to the allocated land use right; For those who need to register underground garages and commercial transfer, real estate development enterprises shall register property rights according to the land use right after paying the underground space land transfer fee within the application scope according to the above standards; Real estate development enterprises have been lost due to bankruptcy and other reasons, and the owners' committee or community is responsible for applying for underground space transfer registration according to the above provisions. On the premise of meeting the number of parking spaces to be allocated in the revised Technical Regulations on Urban Planning and Management of Zunyi City, and meeting the fire and safety regulations, the use of underground space is allowed to be adjusted, referring to the evaluation method of the use adjustment of the above-ground construction land use right. After the real estate development enterprise pays the land transfer fee, it signs a supplementary agreement to stipulate the planned use. In accordance with the principle of "combining peacetime and wartime, rational utilization", housing enterprises are allowed to rent civil air defense parking spaces to owners, and the owners are informed that the government will requisition them for free during wartime.