Payment of housing subsidies up to 50 thousand yuan
The "Notice" proposes that for families who own a set of housing and have settled the corresponding housing loans, in order to improve their living conditions, they should apply for loans to buy ordinary commercial housing again, and banking financial institutions should implement the first home loan policy.
Since the date of issuance, those who purchase new commercial housing in the downtown area and pay deed tax after signing the commercial housing sales contract can enjoy the purchase subsidy. Housing subsidies are shared by beneficiary finance and real estate development enterprises, of which 60% are borne by beneficiary finance and 40% by real estate development enterprises.
The payment standard is 50,000 yuan for full-time doctoral students, 30,000 yuan for full-time master students, 20,000 yuan for full-time undergraduates and 0/10,000 yuan for junior college students (including technical colleges); Educators, medical workers, police officers, and active servicemen receive a subsidy of 20,000 yuan; The subsidy for new citizens who come to stay for various reasons such as work or school is 6,543,800 yuan.
Individuals who transfer housing without providing complete and accurate proof of the original value, unable to correctly calculate the original value and tax payable of the housing, and do not use the second-hand house for "handheld office" can collect personal income tax according to 1% of the housing transfer income.
Zhumadian proposed to expand the coverage of housing provident fund policy, encourage all kinds of enterprises to pay housing provident fund for all employees, and encourage freelancers to pay housing provident fund independently. All migrant workers who normally deposit the housing provident fund can apply for individual housing provident fund loans and handle the housing provident fund withdrawal business in accordance with the same conditions for employees who deposit in Zhumadian City. Actively carry out off-site loan business, support off-site paid employees to buy houses in Zhumadian city, and shall not restrict eligible off-site paid employees from applying for housing provident fund loans. If the funds are insufficient, they will wait in line with local employees.
Reduce the deposit of soil auction
For real estate development enterprises, Zhumadian has put forward a number of support measures, involving reducing the land bid bond and supervising the pre-sale funds.
The "Notice" shows that the land bid bond ratio will be lowered. The minimum proportion of land bid bond is lowered to 20% of the total initial price of transfer. The land transfer fee can be paid by installments, and the down payment of 50% of the transfer fee must be paid within 1 month after the contract is signed, and the balance should be paid within 1 year after the contract is signed.
At the same time, adjust the contract performance bond system. For newly supplied projects, no contract performance bond is charged. For the project that has received the contract performance bond, if the construction has started and has not caused idleness, all the performance bond will be returned for the project construction.
Improve the supervision limit of pre-sale funds of commercial housing. While further strengthening the supervision of the pre-sale funds of commercial housing, we will vigorously promote the network extension service, implement the "no-meeting" online service model, complete the audit of the use of funds immediately, and urge the regulatory banks to simultaneously allocate the audited application funds to the designated accounts. Increase the frequency of fund disbursement, and on the basis of the original "ten-node" disbursement, implement the "no-node" method of applying for funds at any time to improve the capital turnover rate of enterprises. Allow enterprises to guarantee the use of regulatory funds in the form of letters of guarantee to improve the liquidity of funds.
Encourage real estate enterprises to optimize and reorganize. Actively guide real estate enterprises with credit strength and brand advantages to form large enterprises and enterprise groups with strong competitiveness through mergers, acquisitions and restructuring; For real estate development projects with transfer conditions, enterprises are allowed to cooperate by means of investment, shareholding or transfer, large-scale development and group operation are encouraged, and cross-regional, diversified and branded operation of real estate development enterprises is supported.
Allow the adjustment of housing structure. For commercial housing projects under construction, under the premise of not exceeding the original building density, floor area ratio, green space ratio, height limit and other construction planning indicators, and not changing the outer contour line of the building to meet the requirements of public construction, real estate development enterprises are allowed to appropriately adjust the apartment structure and adjust the apartment type that does not meet the market demand to meet the reasonable demand for self-occupation and improved housing.