"Nine Measures for Promoting the Healthy Development of the Real Estate Market in Bazhong City" has been deliberated and adopted by the 3rd 14 1 Standing Committee Meeting of the Municipal Party Committee and the 3rd1Executive Meeting of the Municipal Government. Is issued to you, please implement.
Bazhong Municipal People's Government Office
April 23(rd)
Nine measures to promote the healthy development of Bazhong real estate market
I. Regulating market supply and demand
(1) Control the total land supply, optimize the land supply structure, scientifically arrange ordinary commercial housing and high-quality housing, and improve the urban functional land. According to the market situation and the wishes of land users, by adjusting the land use and planning conditions, we will guide the transformation and utilization of undeveloped real estate land for shed reform, public rental housing and the development and construction of emerging industries, pension industries, cultural industries and sports industries supported by the state. For projects developed and constructed according to new uses or new planning conditions, the relevant land use procedures shall be re-handled, and the corresponding land price shall be re-approved.
(two) in accordance with the law in accordance with the regulations to buy qualified new commercial housing, judicial auction housing or stock housing as resettlement housing and public rental housing, and gradually reduce the approval of new public rental housing projects.
(3) Intensify monetary resettlement for shed reform, and the monetary resettlement ratio must reach 40% (in principle, residents in shanty towns with only one set of housing will not be compensated in cash). CDB special loan for shed reform can be used for monetary resettlement.
(4) Increase the intensity of "de-administration", cancel all housing purchase restriction measures and the "90/70" policy (that is, new commercial housing with a construction area of less than 90 square meters accounts for more than 70% of the total development and construction area), and allow enterprises to develop and build housing that meets various market needs.
Second, strengthen financial services.
(1) For families who buy the first ordinary self-occupied house, the minimum down payment ratio of the loan is 30%, and the loan interest rate is 0.7 times the benchmark loan interest rate.
(2) For households that own a set of housing and the corresponding housing loans are not settled, in order to improve their living conditions, they apply for commercial personal housing loans again to buy ordinary self-occupied housing, and the minimum down payment ratio is adjusted to 40%.
(3) For households with 1 apartment and whose corresponding housing loans have been settled, in order to improve their living conditions, they should apply for commercial personal housing loans to buy ordinary self-occupied houses again, and apply for mortgage loans according to the first suite.
(4) Financial institutions provide loans (excluding provident fund loans) for households to purchase self-occupied ordinary commercial houses in this city according to national policies, and the loan interest rate shall not exceed (include) the benchmark loan interest rate for the same period announced by the People's Bank of China, and the time for signing the loan contract and issuing the loan shall be from May 1 day to May1day 3 1 day.
Third, encourage the use of provident fund.
(a) the applicant has no housing loan balance (including commercial housing loans), and the first home loan policy shall be implemented if he buys ordinary self-occupied housing. Cancel the certificate of the number of family houses issued by the Housing Authority.
(2) For the first ordinary self-occupied housing, the minimum down payment ratio is 20%. When employees have self-occupied housing loans from commercial banks, in order to improve their living conditions, they apply for housing provident fund entrusted loans to buy ordinary self-occupied housing again, with a minimum down payment ratio of 30%.
(3) When there is no balance in the provident fund loan and the balance in the provident fund account is not less than the full amount paid within six months, the loan can be made.
(four) in the city to buy ordinary self-occupied housing, after paying the down payment, the remaining housing can be used in full provident fund loans.
(5) The validity period of the loan application is extended from 12 months to less than 24 months. Retirement is imminent, with repayment ability and good personal credit. After retirement, the loan period can be extended to 1- 10 years.
(six) continuous full deposit of housing provident fund for 3 months, you can withdraw housing provident fund to pay housing rent; Cancel the tax payment certificate of house lease.
(7) If the housing provident fund is withdrawn to repay the house purchase loan, the amount shall be adjusted to the amount of the house purchase loan repaid 12 months before withdrawal.
Fourth, free of related fees.
(1) 50% of the total amount of civil air defense project construction fee, termite control fee, supporting fee for urban infrastructure, compensation fee for soil and water conservation, special fund for bulk cement and special fund for new wall materials shall be paid at the time of construction application, and the rest shall be paid before the completion and acceptance of the project.
(2) 30% of the total tap water access fee shall be paid at the time of declaration, and the rest shall be paid before the end of household installation; 30% of the total natural gas network fee is paid at the time of declaration, and the rest is paid before gas supply.
(three) public rental housing and all kinds of shantytowns, free of administrative fees and government funds.
Five, the implementation of housing subsidies
(1) Where the first or second set of improved ordinary commodity housing is purchased in the old town of Bacheng and the old towns of counties, and a formal online contract is signed, the beneficiary finance will give the owner a subsidy of 100 yuan/square meter for each housing; If the first or second set of improved ordinary commodity housing is purchased in the new district or new town, and a formal online contract is signed, the beneficiary finance will give the owner of each housing a subsidy of 200 yuan/m2. Commercial housing that enjoys housing subsidies shall not be transferred from the date of signing the contract online to the date of obtaining the "Property Ownership Certificate".
(two) strictly control the price of subsidized commodity housing, where subsidized commodity housing, its sales price shall not be higher than the average price of the month in which the housing is located.
Sixth, implement preferential tax policies.
(1) According to the relevant provisions of the Measures for the Implementation of Deed Tax in Sichuan Province, the applicable tax rate of deed tax on the transfer of house ownership is reduced from 4% to 3%( 1 year from June).
(2) If an individual sells a non-ordinary house that has been purchased for more than 2 years (including 2 years), business tax shall be levied according to the difference between the sales income and the purchase price of the house; Individuals who purchase ordinary houses for more than 2 years (including 2 years) for external sales shall be exempted from business tax.
(three) individuals who obtain monetary compensation for the expropriation of houses and use it to purchase resettlement houses or exchange property rights to obtain resettlement houses shall be exempted from deed tax according to relevant regulations. Personal compensation for demolition obtained by individuals shall be exempted from personal income tax in accordance with relevant regulations.
Seven. Maintain environmental order
(1) Strengthen the supervision of the real estate market. Severely crack down on the "three violations" construction, and severely investigate and deal with illegal sales, false propaganda, and bid up housing prices in the real estate development field.
(2) Under the premise of strict supervision of pre-sale funds and controllable risks, after the down payment is paid for the land for real estate development, the area of pre-sale housing can be determined at no more than 80% of the actual land price paid, and the pre-sale permit for commercial housing can be handled. Pre-sale funds are closed, 70% is used to pay the land price and related expenses, and 30% is used for project construction. Pre-sale funds should be fully deposited into the supervision account according to the sales contract, which is supervised by the construction administrative department, and the bank should strictly implement the relevant provisions of the supervision account. Once the house payment "extracorporeal circulation" occurs, the pre-sale will be stopped immediately and the responsibility will be strictly investigated.
Eight, optimize the administrative examination and approval
(a) planning, land resources, housing and urban construction, civil air defense, meteorology, earthquake prevention, environmental protection and other departments should simplify the administrative examination and approval procedures, optimize the examination and approval process, speed up the examination and approval time, and strengthen the supervision of the project process.
(two) in line with the planning conditions, the development project can be optimized and adjusted after approval. If it is really necessary to adjust the nature of land use, it shall be examined and approved according to procedures on the premise of complying with laws, regulations and policies. Without changing the nature of land use, floor area ratio and other necessary planning conditions, real estate development enterprises are allowed to appropriately adjust the structure of Xing Tao to meet the reasonable demand for self-occupation and improved housing after the phased development projects are reported to the planning department for the record.
Nine, standardize the intermediary behavior
(1) The lightning impact investigation and assessment fee is reduced to 1‰ according to 2‰ of the total investment or the target value.
(2) The fees for design, survey, drawing review, surveying and mapping, evaluation, supervision, cost consultation, various evaluations, and building materials inspection are reduced or exempted by 10% on the basis of the reduction and exemption stipulated in documentNo. [20 14]34 of Sichuan Office, and the inspection fees for building fire protection facilities are reduced or exempted by10 on the basis of the original reduction and exemption of 20%.
(3) The environmental impact assessment of real estate projects included in the planned environmental impact assessment can be simplified.
The above measures shall be implemented as of the date of promulgation and shall be valid for one year.