These measures include adjusting the image progress standard of urban commercial housing pre-sale, adjusting the proportion of pre-sale supervision funds and allocation nodes, adjusting the proportion of land bid bond, paying land transfer fees by stages, delaying the payment of urban infrastructure supporting funds, delaying the declaration and payment of taxes, giving tax relief support, implementing the phased support policy of housing provident fund, increasing the government's efforts to purchase services, supporting enterprises' reasonable financing needs, improving differentiated individual housing loan services, ensuring land supply, improving the efficiency of examination and approval services, allowing for planning examination and approval procedures, and improving the performance methods.
The "Opinions" pointed out that according to the spirit of the Notice of the General Office of the Provincial People's Government on Printing and Distributing Measures to Promote the Stable and Healthy Development of the Construction Industry and the Real Estate Market (E Zheng Ban Fa [2020]13), in order to thoroughly implement the spirit of the important speech on promoting the epidemic prevention and control in COVID-19 and inspecting the epidemic prevention and control work in our province, we insisted on the positioning that "the house is for living, not for speculation". Effectively respond to the impact of the epidemic, prevent and resolve the risks in the real estate market, achieve the goal of stabilizing land prices, housing prices and expectations, and put forward opinions on promoting the stable and healthy development of the real estate market in the city.
It is reported that the Opinions will come into force as of the date of issuance and will be valid until 20201February 3 1 day.
I. Reasonable adjustment of regulatory measures
1. Adjust the image progress standard of urban commercial housing pre-sale. Before 20201October 3 1, the image progress standard for the pre-sale of commercial housing in urban areas (excluding Yunyang District) will be reduced in stages: if the planned number of floors above ground is below 7 (inclusive), the construction progress will reach 2 floors above ground; If the planned number of floors above the ground is 8 to 12 (inclusive), the construction progress will reach 5 floors above the ground; If the planned number of floors above the ground is more than 12, the construction progress will reach 8 floors above the ground. Counties and urban areas should adjust the image progress standard of pre-sale of commercial housing reasonably according to the actual situation to maintain the balance between supply and demand in the real estate market.
2. Adjust the proportion of pre-sale supervision funds and disbursement nodes. On the premise of controllable risks, for real estate development enterprises with good credit records, the proportion of key supervision funds for the pre-sale of commercial housing can be appropriately reduced, enterprises can be allowed to replace the same amount of key supervision funds by bank guarantee, and 1-2 pre-sale supervision fund disbursement nodes can be appropriately added. Enterprises that have made contributions during the epidemic prevention and control period may apply for advance payment of key supervision funds.
3. Adjust the proportion of land bid bond. For the land newly sold before 10/2020 1, the bid bond ratio for land transfer shall be adjusted to not less than 10% of the reserve price for land transfer.
Second, effectively reduce costs and burdens for enterprises
4. Pay the land transfer fee in installments. The transferee of the land shall pay not less than 50% of the land transfer price within one month after the signing of the land transfer contract, and the balance may be paid in installments according to the contract, and paid off before the pre-sale. If an enterprise is unable to sign the Confirmation of Transaction, the Land Transfer Contract or pay the leasing fee on schedule due to the epidemic situation, it can be postponed to sign and pay the contract within 3 months after the epidemic situation is eliminated, and no late payment fee will be charged, which will not be recorded in the enterprise credit file.
5. Deferred payment of supporting funds for urban infrastructure. For real estate development projects affected by the epidemic, enterprises may apply for holdover of urban infrastructure supporting funds. The holdover time shall not exceed 6 months from the date when the local government approves the extension, and shall be settled before the pre-sale and completion acceptance.
6. Deferred declaration and payment of taxes. Real estate development, housing leasing and property service enterprises that are difficult to apply for tax returns due to the epidemic situation shall apply for extension of tax returns according to law. If it is really difficult to pay taxes on time, the enterprise shall apply for an extension of tax payment according to law.
7. Give tax relief support. If taxpayers suffer heavy losses due to the epidemic, and it is indeed difficult for them to pay urban land use tax and property tax, the urban land use tax and property tax shall be reduced or exempted according to law with the approval of the tax authorities. Eligible housing leasing enterprises and property service enterprises can enjoy the preferential policy of VAT credit and tax refund.
8. Implement the phased support policy for housing provident fund. If the housing provident fund loan cannot be repaid normally before June 30, 2020, it will not be overdue, and it will not be submitted to the credit information department as an overdue record, and the submitted one will be adjusted. For employees who are under great pressure to pay rent, the extraction interval is adjusted to 6 months.
Third, increase financial support
9. Increase the government's efforts to purchase services. Combined with the reality of affordable housing projects, the funds for affordable housing projects will be used as a whole, and housing leasing enterprises and property service enterprises seriously affected by the epidemic will be supported by government purchasing services. For real estate development enterprises, services such as sunshine analysis and review, construction project setting-out, line inspection, area check, red line drawing, fire protection, civil air defense design review, etc. are purchased by the government to reduce the land cost of enterprises.
10. Support the reasonable financing needs of enterprises. For real estate enterprises that are greatly affected by the epidemic and have development prospects but encounter temporary difficulties, financial institutions will not blindly lend, cut off loans or suppress loans, and support enterprises to maintain the stability of the capital chain. For real estate enterprises that are seriously affected by the epidemic and have difficulties in repaying loans due, financial institutions are encouraged to extend or renew their loans in a market-oriented way to continue funding for enterprises. Provide financing support for the merger and reorganization of relevant enterprises or projects by powerful and reputable real estate development enterprises. Increase financial support for housing leasing enterprises, and encourage financial institutions to issue rental housing development loans to eligible housing leasing enterprises. Broaden the direct financing channels of housing leasing enterprises, support qualified housing leasing enterprises to issue corporate credit bonds, and raise funds for housing leasing business.
1 1. Improve differentiated individual housing loan services. Support financial institutions to speed up the approval and issuance of individual housing loans to meet the reasonable financing needs of residents. For those who are hospitalized or isolated in COVID-19, those who participate in epidemic prevention and control, and those who temporarily lose their sources of income due to the epidemic, financial institutions should flexibly adjust the repayment arrangements of personal credit such as housing mortgage and reasonably postpone the repayment period. Encourage financial institutions to negotiate with borrowers, appropriately reduce the interest on individual housing loans for those who temporarily lose their sources of income due to the epidemic, and reduce the pressure on repayment funds. All financial institutions should conscientiously implement the reform requirements of the loan market quotation rate (LPR), do a good job in the conversion of the pricing benchmark of existing individual housing loans, and support residents to reduce interest expenses during the downward period of market interest rates.
Fourth, support enterprises to speed up the resumption of work and production
12. Guarantee land supply. Increase the supply of land reserve, reasonably determine the scale, structure and time sequence of residential land supply, optimize the proportion and spatial layout of residential land, and increase the supply of residential land in a targeted manner. Promote "multi-regulation, multi-measurement, multi-examination and mutual recognition of results". If industrial land is adjusted to commercial, residential and other business land, the government will implement expropriation, compensation and reserve, and implement "net land" transfer. Promote "handing over the land and handing over the certificate".
13. Improve the efficiency of examination and approval services. We will further promote the "one network to handle" government services, optimize the approval process of real estate development project planning permission, drawing review, construction permission, pre-sale permission and other matters, and improve the approval efficiency. Through the "notification and commitment system" and strengthening supervision after the event, we will speed up the approval procedures for real estate projects. Improve online services such as mortgage loans, opening sales, online signing and filing. For the reasonable financing demand of real estate enterprises, financial institutions should simplify business processes and speed up the approval and issuance of loans.
14. Go through the planning examination and approval procedures if there is any vacancy. The construction unit that has signed the Contract for Assignment of the Right to Use State-owned Construction Land may apply for the Construction Land Planning Permit and the Construction Project Planning Permit in advance by virtue of the Contract for Assignment of the Right to Use State-owned Construction Land and the payment certificate of the land transfer price that has been paid not less than 50%.
15. Improve the mode of performance. If the land is not delivered, started or completed on schedule due to the epidemic situation, the epidemic prevention and control period will not be included in the default period and no liquidated damages will be charged. For real estate development projects that cannot be completed on time due to the epidemic situation, the relevant provisions of force majeure shall be applied according to law, and the delivery date shall be reasonably postponed according to the actual situation. Strengthen the investigation and judgment of contradictions and disputes in the real estate market, properly handle them in time, and maintain market and social stability.