The Paper reporter Pang Jingtao
In less than 24 hours, the two cities announced tightening of property market control policies.
On the afternoon of July 14, the Inner Mongolia Autonomous Region Housing Fund Management Center issued the "Notice on Adjusting Policies Related to Housing Provident Fund Loans" (hereinafter referred to as the "Notice"), tightening the provident fund loan policy and canceling the borrower's The policy of providing housing provident fund loans to family members with the same household registration can also be used to purchase houses, and the issuance of housing provident fund personal housing loans to families of paying employees who purchase a third or more houses will be stopped. Effective from August 1st.
The "Notice" specifically states that "employee personal housing provident fund loans can only be used to pay for loans" in Jianjin [2010] No. 179 of the "Notice on Regulating Housing Provident Fund Personal Housing Loan Policies". "There are provisions for employees to purchase, construct, renovate, and overhaul ordinary self-occupied housing." Cancel the policy that the borrower's family members with "same household registration" can also use provident fund loans to purchase houses. At the same time, the "Notice" requires that the "Notice of the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China on the Development of Housing Provident Fund Personal Housing Loan Business" Jianjin [2014] No. 148 "The Housing Provident Fund Management Center shall not purchase third and According to the provisions of “Issuance of Housing Provident Fund Personal Housing Loans to Household Provident Fund Loan Applicants’ Household Transaction Filings, Property Rights Registration and Other Information,” the center will stop providing housing provident fund personal housing loans to families who have paid for housing provident fund loans. Provide housing provident fund personal housing loans to families of employees who contribute to the housing provident fund. In addition, the Inner Mongolia Autonomous Region will streamline loan procedures and materials. Regarding the recognition of the income of *** and the borrower: *** The income of the housing provident fund paid by *** and the borrower shall be recognized according to the payment base, and the unpaid housing provident fund of *** and the borrower shall be paid according to the social security of *** and the borrower. Income is confirmed based on the base number (employees can download mobile apps such as Mengsuban, Inner Mongolia 12333, etc. to check personal social security payment information and then take a screenshot and print it in our center). Employees are no longer required to provide separate salary slips, salary tables, salary certificates and other information.
On the morning of July 15th, Shenzhen City, Guangdong Province issued the "Notice on Further Promoting the Stable and Healthy Development of the City's Real Estate Market", tightening regulation on the real estate market, announcing adjustments to the purchase limit period for commercial housing, and improving differentiation. Eight measures including housing credit measures, increasing the value-added tax exemption period, and stricting standards for ordinary housing. Specifically, a strict purchase restriction policy. Previously, Shenzhen required that those with Shenzhen citizenship could purchase a house. After the introduction of the new policy, home buyers not only need to have settled in the city for three years, but also need to pay personal income tax or social security for more than 36 consecutive months. For adult singles who are not from Shenzhen households, the prerequisite for buying a house is to have paid personal income tax or social security for at least five consecutive years.
In order to prevent loopholes in fake divorces and marriage purchases, Shenzhen requires that if any family member purchases commercial housing within 3 years after the couple divorces, the number of housing units they own will be calculated based on the total number of housing units in the family before the divorce. It can meet the reasonable housing needs of divorced people and can also effectively curb speculation.
Tighten general housing standards and increase floor area ratio and housing price limits. Previously, Shenzhen stipulated that housing with an area of ??less than 144 square meters was considered ordinary housing. The New Deal’s refinement of this standard requires that three conditions be met at the same time. The floor area ratio is not higher than 1; the internal area is not higher than 120 square meters or the building area is not higher than 144 square meters; and the actual transaction price is not higher than 7.5 million yuan.
At the same time, Shenzhen has refined the down payment ratio for purchasing ordinary housing and non-ordinary housing. The new policy proposes that home buyers with loan records, such as purchasing ordinary residences, will still follow the previous policy, that is, those who do not have a house in their name will pay a down payment of 50, and those who have a house will pay a down payment of 70. For those who purchase non-ordinary residences, the down payment ratio will be increased by 10% to 60% and 80% respectively.
It also includes adjusting the value-added tax exemption period from 2 years to 5 years; the government releases second-hand housing transaction information to guide the market to rational transactions and stabilizes second-hand housing prices; it also carries out order rectification of the real estate market and crackdowns on suspected cases of cover-up. In case of illegal activities such as reluctance to sell, price increase, false advertising, publishing false housing listings, maliciously driving up housing prices, illegal misappropriation of various types of credit funds into the real estate market, fabricating and spreading false statements, etc., interviews and online suspension will be conducted in accordance with laws and regulations. Sign, suspend operations for rectification, cancel business qualifications, revoke business licenses and other treatment measures, and transfer suspected crimes to judicial authorities for processing.
The new policy also requires that the management of hot real estate sales be further strengthened to achieve "three prices in one" to avoid problems such as "yin and yang contracts" and "high ratings and high loans".