The first is to implement the responsibility of stabilizing the real estate market.
1, county (district) people's governments, administrative committees and relevant departments should attach great importance to the regulation of the real estate market and conscientiously implement the responsibility of stabilizing the real estate market. Give full play to the role of the market mechanism and use economic means such as taxation to regulate and control the real estate market to ensure the stability of the real estate market. Strictly implement relevant preferential policies, further optimize service measures, improve supervision methods, and reduce the burden on real estate enterprises. Strengthen the research on the real estate market situation, actively take effective measures to digest the inventory of commercial housing, and promote the stable and healthy development of the real estate market.
Second, increase support for housing provident fund.
2. Increase the loan amount. The maximum amount of individual housing loan will be increased from 300,000 yuan to 450,000 yuan, or in principle, it will be determined by not less than 80% of the total price of commercial housing with a construction area of 120 square meters.
3. Lower the loan threshold. Employees who have paid the provident fund in full for 6 months or more may apply for housing provident fund personal housing loans. The deposit time of provident fund in different places can be calculated according to the original certificate of deposit.
4. Reduce the down payment ratio. If the first ordinary house is purchased with provident fund loans, the minimum down payment ratio will be reduced from 30% to 20%; Workers' families who own/kloc-0 apartments and have paid off their mortgages, in order to improve their living conditions, apply for housing provident fund entrusted loans to buy ordinary self-occupied houses again, with a minimum down payment ratio of 20%.
5. Extend the loan term. The longest term of housing provident fund loans is extended from 25 years to 30 years. In case of legal retirement age, it can be extended to 5 years after the legal retirement age.
6. Implement loans from both parties. When employees buy a new house, they can withdraw the balance in their own and their spouse's housing provident fund account with the purchase contract and the down payment invoice. Belonging to the one-child family, you can also withdraw the balance of the parents' (children's) housing provident fund account at the same time, and the amount of withdrawal does not exceed the price agreed in the purchase contract; Apply for housing provident fund loans, and after one year of repayment, you can withdraw the provident fund to repay the loan year by year.
7. Moderately relax the extraction policy. Cancel the restrictions on purchasing houses below 60 square meters to withdraw housing provident fund, make it clear that employees suffering from eight major diseases (malignant tumor, chronic renal failure, aplastic anemia, heart valve replacement, coronary artery bypass surgery, intracranial tumor craniotomy, major organ transplantation surgery, aortic surgery) can withdraw housing provident fund, cancel the application time limit for employees who have been dismissed or resigned to withdraw housing provident fund, and simplify the purchase procedures. Workers and their spouses who have paid in the city without their own houses or rented houses can withdraw the housing accumulation fund of both husband and wife to pay the rent with the proof of no house.
8. Implement the "business-to-business" loan policy. If the paid employee commercial housing loan meets the conditions for transferring the housing provident fund loan, it may apply to the housing provident fund management center for "transferring the business to the public".
9. Implement the policy of "integration within the province". Workers who normally pay housing provident fund in this province can apply for housing provident fund personal housing loans if they purchase houses in this city and meet the conditions of provident fund loans.
10, reduce the loan guarantee ratio of development enterprises. For real estate development enterprises that have obtained a credit rating of 2A or above or a development qualification rating of II or above, the provident fund management center will charge a loan deposit by half.
Third, increase financial support.
1 1. Increase financial institutions' support for housing demand. Actively support the reasonable housing loan demand of households. For 1 housing families who have settled the corresponding housing loans, in order to improve their living conditions, they apply for loans to buy ordinary commercial housing again, and banking financial institutions implement the first home loan policy; For families who own two or more houses and have settled the corresponding housing loans, banking financial institutions should carefully grasp and specifically determine the down payment ratio and loan interest rate level according to the borrower's solvency, credit status and other factors.
12. Increase financing support for real estate development enterprises. All commercial banks should increase the supply of housing development loans, actively strive for the amount of development loans from higher-level banks, effectively protect the reasonable capital demand of ordinary commodity housing development projects, and further improve the efficiency of credit approval for development loans. Commercial banks may not charge any form of capital occupation fee or scale occupation fee except the prescribed interest, nor may they issue loans by means of deposit (deposit-loan linkage), nor may they force mortgage parties to evaluate the value of mortgaged real estate.
13, housing provident fund and bank portfolio credit model are implemented. Implementing the minimum down payment to buy a house reduces the pressure on buyers to buy a house. Commercial banks and municipal housing provident fund have strengthened cooperation, issued relevant rules, and implemented the individual housing loan model of housing provident fund and bank portfolio loans.
Fourth, implement preferential tax policies.
14. If a unit or individual obtains housing through purchase or gift, the deed tax rate is 3%; For the transfer of ownership of houses and land under other circumstances, the applicable tax rate for deed tax is 4%. The adjusted tax rate will be implemented from June 16. For individuals to buy ordinary housing, which belongs to the only family housing, the deed tax will be levied by half; If an individual purchases an ordinary house of 90 square meters or less, which belongs to the only family house, the deed tax shall be levied at the rate of 1%. If monetary resettlement is implemented, if the house is repurchased and the transaction price does not exceed monetary compensation, the deed tax shall be exempted for the newly purchased house; If the transaction price of the house exceeds the monetary compensation, the deed tax will be levied on the difference.
15. Identification of the only family housing: First, individuals and family members (including spouses and minor children) have no housing, and only one house is purchased this time; Second, individuals and family members have houses but no houses at present, and only one house is purchased this time; Third, individuals and family members have no housing but no housing, and only one set of housing is purchased this time; 4. For residential quarters with plot ratio above 1.0 (including 1.0) and single building area below 144 square meters (including 144 square meters), reference can be made to ordinary residential standards.
Verb (abbreviation of verb) optimizes land supply policy
16, timely adjust the total amount, structure, layout and timing of land supply, and reasonably grasp the rhythm of land supply. Scientifically arrange the proportion of residential land supply, focus on ensuring key projects, livelihood projects and affordable housing land, and increase the supply of land for commercial real estate, tourism real estate, pension real estate and other projects.
Sixth, innovative collection and resettlement methods.
17, encourage monetized resettlement. Comprehensively improve the proportion of housing monetary resettlement on rural collective land in the central city planning area according to the law and regulations, and strictly prohibit homestead resettlement. For large-scale centralized expropriation and resettlement, on the basis of monetary resettlement, the government will build a platform to buy commercial housing from existing real estate developers in accordance with laws and regulations, and encourage and guide the expropriated people to buy commercial housing. Urban housing expropriation, especially shantytown renovation, combines physical resettlement with monetized resettlement, encourages monetized resettlement, and gradually digests the inventory of commercial housing. Those who choose monetary compensation can be given a certain percentage of rewards according to the monetary compensation standard, and those who take monetary resettlement can enjoy relevant tax reduction and exemption policies.
18, innovative financing mode of affordable housing. Pilot implementation of affordable housing "to buy (rent) on behalf of the agent", to buy or lease qualified commercial housing as affordable housing. Implement relevant preferential policies and encourage private capital, enterprises and non-profit organizations to participate in the construction and operation management of affordable housing. Actively explore the construction of * * * property housing system, and effectively solve the housing difficulties of urban lower-middle income families, newly employed workers and migrant workers.
Seven. Optimize the development environment
19, intensify the crackdown on "small property rights" houses. Continue to maintain the high-pressure situation of cracking down on "two violations" and resolutely put an end to the unhealthy trend of "small property rights" housing construction and trading.
20. Deepen the reform of the examination and approval system. Further simplify the administrative examination and approval process and shorten the examination and approval time limit. Matters that belong to the autonomy of enterprise management are no longer used as preconditions; If laws, regulations and the municipal government do not clearly define it as a precondition, no pre-approval shall be conducted; If the filing organ can solve it by soliciting opinions from the department, it will not conduct pre-approval; Except for special needs and relevant legal basis, it is not allowed to force intermediary services and designate intermediaries. For pre-approval and intermediary services that really need to be retained, a catalogue should be made and announced to the public.
(1) Cancel the restrictions on the proportion of commercial housing units. For real estate development enterprises, in order to adapt to market changes, the planning department should promptly approve the adjustment of structure and apartment type without changing the volume ratio, building density and other indicators and meeting public facilities such as parking spaces.
(2) When people outside the central city purchase commercial housing, they can directly handle the settlement of themselves and their immediate family members in the place where the purchased housing is located according to the relevant provisions of the household registration policy with the housing ownership certificate or the commercial housing sales contract filed with the Housing Authority; With the registered commercial housing sales contract, children can go through the admission formalities according to the nearest needs of the education department.
(3) For the civil air defense project with good reputation of the construction unit and qualified acceptance of the main project, a letter of commitment can be issued by the real estate development enterprise without the comprehensive completion acceptance, and the municipal civil air defense office will issue a property right book in advance.
(four) allow real estate development enterprises to advertise the image of commercial housing projects with the progress of construction projects above plus or minus zero; After obtaining the pre-sale permit, real estate development enterprises can independently determine the opening and sales time of the project according to market conditions.
2 1, regulate the real estate industry charges. Real estate development list valuation. Cancel the fees of real estate industry that are not stipulated by laws and policies, and charge according to the lower limit if they are in line with laws and policies.
22. Improve the service efficiency of the department. All relevant functional departments further enhance their service awareness, improve the efficiency of examination and approval, simplify and publicize the procedures and charging standards, reduce the time limit for handling affairs, and optimize the administrative service environment. Further strengthen the supervision of the real estate market, carry out in-depth rectification and order standardization of the real estate market, establish and improve the information release system of the real estate market, improve the transparency of the real estate market, and strive to create a fair, orderly, standardized and transparent new market environment. Establish a real estate information sharing platform, integrate market information scattered in real estate development, transfer, lease registration, ownership registration and other management links, and incorporate information related to the development of the housing market, such as land, planning, finance, etc., to achieve full supervision and service for real estate development enterprises. Power supply, gas supply, water supply, communications, transportation and other industries should actively cooperate with the construction of supporting facilities for real estate projects and implement tracking services.
Eight. Prevention and Disposal of Market Risks
23. Strengthen the risk management and control of real estate development projects. For real estate development projects under construction or pre-sale, it is necessary to establish a cooperation and coordination mechanism among the government, housing enterprises, banks and contractors. Coordinate financial institutions to provide financing support, encourage and support powerful real estate development enterprises to purchase in time, prevent chain reaction and maintain market stability. For real estate projects that cannot be developed and constructed through coordination, the government and its relevant functional departments will promptly guide buyers to safeguard their rights and interests according to law and maintain social stability.
24. Stabilize the expectations of the real estate market. All relevant departments should strengthen the analysis and monitoring of the real estate market, improve the market information release system, and establish a market risk early warning mechanism. Real estate development enterprises should take the initiative to respond to market changes and take effective measures to promote market transactions and enhance market confidence. The news media should strengthen the propaganda of the regulation policies of the real estate market, report the real estate market objectively and fairly, correctly guide market expectations, and promote the stable and healthy development of the real estate market.
This opinion shall be implemented as of the date of issuance.