The responses of various departments are as follows:
Shenzhen SME Service Bureau:
At present, the two-level discount loan projects in Shenzhen have not entered the stage of fund distribution, and there is no situation in which Internet discount loan funds enter the housing market.
On April 22, in response to the recent rumors of rising house prices, Shenzhen SME Service Bureau answered relevant questions at the special news briefing in Shenzhen.
On April 20, Shenzhen SME Service Bureau issued a notice to standardize the implementation of SME loan interest subsidy again, further clarifying the types of loans that enjoy interest subsidy. Discount is only applicable to the production and operation loans of small and medium-sized enterprises, and shall not be used for other purposes in violation of regulations.
1 Discounted loans must be used to support the production and operation of the object.
During the epidemic period, in order to reduce the financing cost of SMEs, reduce the burden on enterprises, accelerate the support for enterprises to resume work and production, and fully help enterprises tide over the difficulties, according to the requirements of "Shenzhen 16", Shenzhen SME Service Bureau formulated the "Measures for the Implementation of Re-loans for SMEs in Banking Financial Institutions within the jurisdiction of Shenzhen" from February/KLOC-0 to April 30, 2020.
At the same time, it is clear that the loan must be used for the production and operation of the payment object, not for merger and acquisition loans, projects prohibited and restricted by the national industrial policy, participation in private lending, investment in the capital market and personal consumption.
2 "Pay first and post". Up to now, relevant funds have not been released.
The loan discount is implemented by "paying first and then posting". The loan projects that the bank is responsible for and meet the requirements are reported to the Banking Insurance Regulatory Bureau for review. After the review is passed, the procedures such as review, social publicity and fund disbursement are not required.
According to the "Implementation Measures", Shenzhen SME Service Bureau will summarize the loan discount projects of banks in May 2020, and Xiamen University will plan the funds after completing the review and publicity. At present, the two-level loan discount projects in Shenzhen have not entered the stage of fund distribution, and there is no situation in which the loan discount funds enter the housing market.
On April 20, Shenzhen SME Service Bureau issued a notice to standardize the implementation of SME loan interest subsidy again, further clarifying the types of loans that enjoy interest subsidy. Discount is only applicable to the production and operation loans of small and medium-sized enterprises, and shall not be used for other purposes in violation of regulations.
The bureau said that it will further intensify the review of loan discount projects, strictly implement the relevant requirements of the Implementation Measures with the banking, insurance, supervision and gradual departments, and strictly review and report loan discount projects to prevent loan projects that do not meet the discount conditions from being mixed into them to defraud financial subsidies.
Shenzhen Housing and Construction Bureau:
House prices rose slightly in the first quarter, and tens of millions of square meters of new commercial housing will be started this year.
In the first quarter of this year, the price of new houses in Shenzhen rose by 1.0%, and the price of second-hand houses rose by 2.8%. Prices are generally stable, with a slight increase. The rumors of a sharp rise in housing prices in the first quarter are seriously inconsistent with the facts, and it is not excluded that individual intermediaries and personnel are speculating on housing prices in Shenzhen.
On April 22, in response to the recent rumors of rising house prices, the person in charge of Shenzhen Housing and Construction Bureau not only explained the relevant data in detail at the special news briefing in Shenzhen, but also released the signal that the market supply will be increased this year.
Shenzhen will significantly increase the supply of residential land this year, with a planned supply of about 3 square kilometers, twice the supply in 20 19. At the same time, large-scale housing construction is carried out, and it is planned to build about 6.5438+million square meters of new commercial housing, which is much higher than the annual sales volume of 6-8 million square meters in the past.
1 The price of new houses rose in the first quarter 1.0%, and the price of second-hand houses rose by 2.8%.
The person in charge said that recently, the Shenzhen Housing and Urban-Rural Development Bureau paid attention to the news that the public opinion on housing prices in Shenzhen was hot and some communities speculated on housing prices, which aroused widespread concern in society. The bureau immediately organized investigation and verification, and found that the data of many articles were inaccurate and biased, and most of them were inconsistent with the reality.
The differences are mainly:
First of all, public opinion reflects that the price of second-hand houses in some communities has remained high recently. After preliminary investigation, it is mainly that some owners' listing prices are too high, which seriously deviates from the market. However, the listing price does not equal the transaction price. According to the data released by the National Bureau of Statistics, in the first quarter of this year, the price of new houses in Shenzhen rose by 1.0%, and the price of second-hand houses rose by 2.8%. Prices are generally stable, with a slight increase. Some media have concluded that the price of second-hand houses rose by 9.7% in the first quarter based on the listing price, which is seriously inconsistent with the facts. It is not excluded that individual intermediaries and personnel speculate on Shenzhen housing prices.
Second, two or three properties that have been hotly debated recently are concentrated in popular areas such as Nanshan and Baoan. Sales and transactions in other regions are generally stable. The average quarterly transaction price reported by the media is not comprehensive and true, which can not truly reflect the Shenzhen market.
Third, the public reported that some buildings had problems such as "tea fee", "property hoarding" and "malicious price increase". Shenzhen Housing and Construction Bureau attaches great importance to it and has conducted in-depth investigation with relevant departments. Once violations of laws and regulations are found, they will be dealt with seriously according to the law.
Five measures to ensure the stability of real estate market
The person in charge said that in recent years, Shenzhen has resolutely implemented the decision-making arrangements of the CPC Central Committee and the State Council, and adhered to the positioning that "houses are used for living, not for speculation", and the regulatory policies have never been loosened. Our city strictly implements five control measures, such as purchase restriction, price restriction, loan restriction, sales restriction and apartment restriction, to patch up real estate speculation and fake divorce purchase, and to supplement and improve policies. It is impossible for unqualified people to buy a house in Shenzhen, including second-hand houses. Please don't listen to personal opinions.
He revealed that the housing demand in Shenzhen is large, and Shenzhen is also trying to adjust the market by increasing supply to ensure the stable and healthy development of the real estate market. The main measures are:
First, we will stick to housing and not speculation, continue to strictly implement the real estate market regulation policy, strictly implement the five-limit policy of restricting purchases, prices, loans, sales and apartment types, and strictly control the phenomenon of real estate speculation.
The second is to increase market supply, including increasing the supply of housing land and increasing the number of new commercial houses entering the market. Starting from this year, Shenzhen will carry out large-scale housing construction in the next few years. The newly started commercial housing this year is about 6,543,800 square meters, which is much higher than the previous annual sales scale of 6-8 million square meters, thus promoting the balance between supply and demand in the commercial housing market.
The third is to increase the construction of affordable housing. This year, more than 80,000 sets of talent rooms, residential commercial housing and public rental housing will be built to ensure the realization of the goal of raising 400,000 sets of public rental housing during the Thirteenth Five-Year Plan period.
Fourth, increase the publicity of second-hand housing transaction information, guide real estate agents to operate according to laws and regulations, and increase the timely release of hot and popular real estate second-hand housing transaction information, so that buyers can master more comprehensive and real information; Strengthen the standardized management and service of the rental market, release the rental guidance price in time, and promote the healthy and orderly development of the rental market.
Fifth, strengthen the supervision of the real estate market, pay close attention to the operation of the real estate market, carry out a three-month special rectification campaign with the municipal market supervision and public security departments, and severely crack down on illegal acts that disrupt the market order, such as publishing false information, maliciously driving up house prices, and operating illegally, so as to ensure the stable and healthy development of the real estate market.
Shenzhen Municipal Market Supervision Bureau:
Cooperate with the real estate industry authorities to carry out rectification actions and strictly investigate false propaganda.
On April 22, in response to the recent chaos in the second-hand real estate market in Shenzhen, the Shenzhen market supervision department indicated that it would strengthen the daily supervision of the real estate industry in the field of market supervision, and severely investigate and deal with illegal activities such as false propaganda, illegal advertising and price violations.
These include false propaganda through official websites, WeChat WeChat official account official accounts, live booths, brochures and other media; Publish illegal real estate advertisements; In the process of second-hand housing transactions, malicious speculation, fabrication, walking price information, driving up housing prices; And other illegal acts that violate the anti-unfair competition law, advertising law, price law and consumer protection law.
At the same time, urge real estate intermediary enterprises to implement the main responsibility, cooperate with government departments, and carry out self-inspection and rectification in strict accordance with laws, regulations and requirements. Shenzhen Municipal Market Supervision Bureau will also strengthen information sharing and in-depth cooperation with housing construction, banking insurance supervision, finance and other departments. On the basis of joint inspection, the space for criminals to scratch the ball will be further reduced, and illegal acts will be investigated and dealt with in time.
The Shenzhen Municipal Market Supervision Bureau said that consumers are welcome to provide clues to the bureau through the hotline 12345. Once verified, they will file a case according to law and publicize typical cases to safeguard the legitimate rights and interests of consumers.
(The original title is "Shenzhen Five Departments Inform the Housing mortgage to buy a house Survey: the scale of full mortgage loan is very small")