By expanding the restricted purchase area, strengthening the management of housing transactions, increasing the supply of residential land, and strictly examining the source of funds for down payment, the Notice better implements the positioning of "the house is for living, not for speculation", resolutely suppresses the speculation of real estate investment, and implements the goal of "stabilizing land prices, housing prices and expectations" to promote the stable and healthy development of the real estate market in our city.
The Notice came into effect on April 17.
The notice mainly includes the following policies:
Expand the restricted purchase area
The scope of family housing verification has been expanded to six districts of the city.
According to the Notice, the housing purchase restriction area is extended to the area surrounded by Ningbo Ring Expressway, as well as Cicheng Town in Jiangbei District, Zhaobaoshan Street and Jiaochuan Street in zhenhai district, Yunlong Town, Jiangshan Town, Xiaying Street and Shounan Street in Yinzhou District, Fangqiao Street Administrative Area in Fenghua District and Dongqian Lake Tourism Resort in Ningbo, and the policy of restricting sales is implemented in the purchase restriction area at the same time.
New purchase restriction circle
Apply for the purchase of housing in the restricted area or apply for the priority subscription of new commercial housing in Haishu, Jiangbei, Zhenhai, Beilun, Yinzhou and Fenghua District (hereinafter referred to as "the six districts of the city"), and the scope of family housing verification will be expanded to the six districts of the city.
Non-registered households in this Municipality who apply for the purchase of new commercial housing or second-hand housing in the restricted purchase area shall provide proof of social insurance payment that has been paid continuously for 24 months or more in this Municipality within the first three years from the date of purchase, and there is no record of overdue payment. Non-registered households in six districts of this city who apply for priority subscription for new commercial housing shall provide proof of social insurance payment that they have paid continuously for 24 months or more in six districts of this city within three years from the date of purchase, and there is no record of overdue payment.
Enterprises and other legal persons and unincorporated organizations suspend the purchase of housing in the restricted purchase area, except for approved talent apartments and other projects.
Strengthen the management of housing transactions
Establish a reference price release mechanism for second-hand housing transactions in hot school districts
Standardize the release of housing verification, and simultaneously match the recent online signing price range of similar housing when releasing listing information, so as to improve the transparency of market price information. Strengthen the monitoring of the listing price of second-hand houses, and promptly remove the listed houses with obvious abnormal prices.
Establish a release mechanism for the transaction reference price of second-hand housing in hot school districts, and implement the application of the transaction reference price in finance and credit.
If a house is donated in the restricted purchase area, the recipient's family should be qualified to purchase a house in the restricted purchase area. If the donor purchases the house in the restricted purchase area within 2 years after donating the house, the donated house shall be included in the verification number of the donor's family housing.
Increase the supply of residential land
Optimize the linkage mechanism of house price and land price
According to the Notice, to increase the supply of residential land, the planned residential land area in urban areas will increase by more than 12% in 20021year on the basis of the average land area in the past five years.
Strengthen the security of rental housing land. In 20021year, the urban area planned to supply rental housing land shall not be less than 10% of the total residential land area.
Optimize the linkage transfer mode of house price and land price, and expand the scope of limited house price transfer of residential land from five districts to six districts.
Improve the transfer mechanism of residential land, and try to bid by means of "limiting house prices, limiting land prices and competing for self-sustaining rental housing".
Strictly examine the source of funds for down payment of house purchase
Pay deed tax, and expand the scope of housing verification to six districts of the city.
Strictly implement the differentiated housing credit policy, support residents' demand for buying the first self-occupied housing, and curb the use of credit funds to invest in speculation.
Strengthen the management of real estate loan concentration, strictly examine the source of down payment funds for buyers, and strictly investigate and deal with the illegal flow of credit funds such as business loans and consumer loans into the real estate sector.
Buyers pay deed tax, and the verification scope of family housing units is expanded from five districts to six districts.
Severely crack down on illegal activities.
Improve the long-term mechanism of the real estate market
Strengthen the sales management of real estate development enterprises, and severely crack down on illegal charges, manipulation of subscription ratio, property hoarding and bundled sales; Strengthen the price management published by the media such as the Internet and the media, and severely crack down on acts such as inciting price increases, spreading false market information, and maliciously speculating on housing prices; Strengthen the management of real estate brokerage institutions and their employees, and severely crack down on illegal behaviors that disrupt market order and damage the legitimate rights and interests of market participants.
The "Notice" also requires that the evaluation and assessment mechanism for real estate market regulation should be improved and the task of "one county, one policy" for real estate regulation should be strictly implemented.
Vigorously develop the housing rental market, increase the construction of rental housing, implement the objectives and tasks of the central government to support the development of the housing rental market, steadily promote the construction of * * * property housing, and accelerate the improvement of the housing system in our city.
"Eight Questions and Eight Answers" in the New Deal of Real Estate Regulation
0 1
Why is the Notice on Further Strengthening the Regulation of the Real Estate Market to Promote the Stable and Healthy Development of the Real Estate Market issued?
A: In order to actively respond to market changes and solve a series of problems caused by the excessive increase of second-hand housing prices and overheating of land markets in some areas in time, with the consent of the municipal government, six departments jointly issued the Notice on Further Strengthening the Regulation and Control of the Real Estate Market to Promote the Stable and Healthy Development of the Real Estate Market, and put forward ten measures from six aspects: restricted areas and housing purchase qualifications, second-hand housing transaction management, land supply mechanism, financial and tax management, rectifying market irregularities and implementing the main responsibility of regulation and control, so as to further improve the regulation and control policies of the real estate market in our city.
02
What adjustments have the new policy made to the restricted purchase area?
Answer: The housing restricted area is located by the current "Beihuan West Road-Guangyuan Road, Guangyuan Road Extension (planned)-Xihong Bridge (under construction)-Qiushi Road-Yinxian Avenue-Airport Road-Yinzhou Avenue-Yinxian Avenue-Ningbo Ring Expressway G1504-Donghuan South Road-Donghuan North Road-Beihuan East Road-Beihuan West Road".
The adjustment of the restricted purchase area has been expanded from about 240 square kilometers to about 990 square kilometers now, which has basically included the hot spots of commercial housing and second-hand housing in our city in the restricted purchase area, and also included the area under the jurisdiction of Fangqiao Street in Fenghua District in the restricted sale area.
03
What changes have been made in the qualification for purchasing houses in our city?
A: In terms of the qualification for purchasing houses, the Notice has mainly made adjustments in the following aspects: First, the scope of verification of the qualification for purchasing houses has been expanded from the five districts of the city to the six districts of the city (including Fenghua District); The second is to tighten the qualification conditions for non-local registered households to purchase houses, cancel the "personal income tax payment certificate", and retain the social insurance payment certificate as the basis for non-local registered households to apply for the qualification of purchasing houses in the restricted purchase area, and the social insurance payment certificate should have no record of payment; The third is to suspend enterprises and other legal persons or non-legal organizations from purchasing houses in the restricted purchase area.
What needs special explanation is that five types of high-level talents who are not registered in this city, such as top talents, excellent talents, leading talents, top-notch talents and senior talents, who purchase housing in the restricted area of our city or apply for non-householders to subscribe for new commercial housing in the six districts of the city, are still implemented in accordance with the original policy, that is, with the certificate of high-level talents issued by the talent department, they can not provide proof of social insurance payment.
04
What are the new control measures for the second-hand housing market?
A: Regarding the second-hand housing market, the Notice mainly regulates the second-hand housing transaction rules and the management of housing transactions.
To improve the transaction rules of second-hand housing, first, standardize the release of housing verification, and simultaneously match the recent (nearly six months) online signing price range of similar housing when releasing listing information (based on mortgage loan transaction cases) to improve the transparency of market price information. Strengthen the monitoring of the listing price of second-hand housing, and promptly remove the second-hand housing sources whose listing price obviously deviates from the online signing price range.
The second is to establish the release mechanism of the second-hand housing transaction reference price in hot school districts, guide and standardize the listing and transaction behavior of the second-hand housing in hot school districts, implement the application of the transaction reference price in finance and credit, and curb the artificial speculation and irrational rise of the second-hand housing price in hot school districts.
Strengthen the management of housing transactions, strictly limit the gift of second-hand housing in the restricted purchase area, and block the loopholes in the use of gifts to avoid the purchase restriction policy. The "Notice" stipulates that if a house is given in the restricted purchase area, the recipient's family should be qualified to purchase a house in the restricted purchase area. If the donor purchases a house in the restricted purchase area within 2 years after donating the house, the donated house shall be included in the number of family houses of the donor.
Example 1: Zhao, a resident of this city, has a house in the center of our city, which has been held for 10 years. Because I grew up with Li, who is also a resident of this city, I want to give my house to Li. According to the new policy, Li and his family must meet the purchase restriction in Ningbo. Li and his family members are eligible to accept Zhao's real estate gift if they have no house or only one house within the six districts of the city.
Example 2: Zhang, a resident of this city, has a school district near a primary school in the central city. Zhang's grandson has reached the school age, and Zhang wants to give this house to his son Zhang Xiaomou so that his grandson can attend the primary school. Zhang Xiaomou needs to provide proof of purchase restriction qualification when accepting the gift of this house. After Zhang gave this house to Zhang Xiaomou and went through the transfer formalities, he wanted to buy a house in the restricted area within 2 years. When checking the family housing situation, the number of family housing units should be added to the donated house. If the total number is 2 or more, you can't buy a house in the restricted area.
05
What are the first hot school districts that plan to release the transaction reference price?
A: Based on the recent transaction volume, listing price, online signing price and other factors of the second-hand housing in the school district, there are nine first-batch hot school districts that plan to release the transaction reference price: Ningbo Experimental Primary School, Haishu Foreign Language School (Qinglinwan Campus and Wujiangkou Campus), Affiliated School of Ningbo University, Huatai Primary School (East Campus and West Campus), Jinshan Primary School, Songzhaoqiao Primary School and Siyanqiao Primary School.
The reference prices of second-hand housing transactions in the above nine hot school districts will be released in the near future. In the future, the list of hot school districts will be adjusted and increased in a timely manner according to the changes in school district heat and market conditions, and the transaction reference prices will be released in a timely manner.
06
In terms of finance and taxation, what are the specific measures to curb investment in housing?
A: In terms of finance, the strict implementation of the real estate finance policies issued by the People's Bank of China and China Banking and Insurance Regulatory Commission has been emphasized again. The "Notice" stipulates that "strictly implement the differentiated housing credit policy, support residents' demand for purchasing the first self-occupied housing, and curb the use of credit funds to invest in speculation. Intensify the management of real estate loan concentration, strictly review the source of down payment funds for buyers, and strictly investigate and deal with the illegal flow of credit funds such as business loans and consumer loans into the real estate sector. "
In terms of taxation, buyers pay deed tax, and the scope of verification of family housing units is expanded from five districts to six districts. The paper results of the number of family housing units inquired and printed before 22: 00 on April 16 will continue to be valid until the expiration date. Expanding the scope of verification will increase the tax burden of real estate speculators in the five districts of the city and Fenghua District, and can play a role in restraining investment in housing purchase.
07
In terms of market order supervision, what violations will the New Deal focus on?
A: The "Notice" requires "strengthening the sales management of real estate development enterprises and severely cracking down on illegal charges, manipulating the subscription ratio, property hoarding, and bundling sales; Strengthen the price management published by the media such as the Internet and the media, and severely crack down on acts such as inciting price increases, spreading false market information, and maliciously speculating on housing prices; Strengthen the management of real estate brokerage institutions and their employees, and severely crack down on illegal behaviors that disrupt market order and damage the legitimate rights and interests of market players. "
After the implementation of the New Deal, all localities and departments will mainly carry out special rectification for the following violations that disrupt the market order and damage the legitimate rights and interests of market participants:
In the commercial housing market, in any form of price increase in real estate sales, real estate development enterprises charge the buyers by subscription, reservation, numbering, card issuance, etc., or charge the fees such as deposit and reservation in disguise; Refusing or refusing in disguise the purchaser to visit the model house with basic decoration; Property hoarding or hoarding houses in disguise; Manipulation or disguised manipulation of the subscription ratio to avoid public lottery behavior; It is not allowed to sell residential ancillary houses such as storage rooms at residential prices; Shall not be forced to bundle sales, upgrade and decoration.
In the second-hand housing market, the listing price of second-hand housing is obviously abnormal, which drives up the second-hand housing price; Inciting house prices to rise, rendering market panic, maliciously speculating on the market through the internet and the media; Real estate brokerage agencies and their employees encourage and induce the parties to the transaction to manipulate prices, or conceal the facts from the parties to the transaction and earn the price difference of second-hand houses.
In addition to the above-mentioned specific measures, the Notice also puts forward work requirements on "consolidating the responsibility of the main body of regulation and improving the long-term mechanism of real estate", and also requires all counties (cities) and Hangzhou Bay New District to study and formulate regulation plans in light of the actual situation of real estate operation and the spirit of this notice, and report them to the Office of the Joint Conference on the Stable and Healthy Development of Ningbo Real Estate Market for the record before implementation.
08
How to link up the old and new policies?
A: Regarding the qualification certificate for purchasing houses, the qualification certificate for purchasing houses in the restricted areas that are still within the validity period but not used shall be abolished in principle, and buyers shall re-apply for the qualification for purchasing houses in accordance with the provisions after the implementation of the Notice.
Before the promulgation and implementation of the Notice, the two parties have signed a written subscription agreement, and if the purchaser pays a deposit or part of the house price and can provide transfer vouchers from financial institutions such as banks, it can be regarded as the fact that the house purchase contract relationship has been established and the original policy can be applied.
(Source: Ningbo Housing and Construction Bureau)