On the night of April 16, the Housing and Urban-Rural Development Bureau of Ningbo, Zhejiang Province issued the Notice on Further Strengthening the Regulation of the Real Estate Market to Promote the Stable and Healthy Development of the Real Estate Market, which was jointly issued by Ningbo Municipal Bureau of Assets and Regulations, Ningbo Municipal Market Supervision Administration, Ningbo Municipal Taxation Bureau, Ningbo Branch of the People's Bank of China and Banking Insurance Regulatory Bureau.
The "Notice" resolutely curbed real estate investment speculation by expanding the restricted purchase area, strengthening the management of housing transactions, increasing the supply of residential land, and strictly examining the source of down payment funds for housing purchases. The Notice came into effect on April 17.
According to the news of Xinhua News Agency on April 8, Ni Hong, Vice Minister of Housing and Urban-Rural Development, interviewed the heads of governments in five cities, including Guangzhou, Hefei, Ningbo, Dongguan and Nantong, demanding that the political position be effectively improved, thoughts and actions be unified with the decision-making and deployment of the CPC Central Committee and the State Council, fully understand the importance of the stable and healthy development of the real estate market, firmly grasp the positioning that houses are used for living, not for speculation, and do not take real estate as a short-term means to stimulate the economy, so as to effectively shoulder the main responsibility of cities and ensure the realization of stable land prices.
Tighten the qualification of non-Ningbo registered households to purchase houses.
Ningbo Housing and Construction Bureau said that the "Notice" mainly made adjustments in the following aspects: First, the scope of verification of house purchase qualifications was 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-Ningbo registered households to purchase houses, cancel the "personal income tax payment certificate", and retain the social insurance payment certificate as the basis for non-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 to be noted in particular is that five types of non-Ningbo registered high-level talents, such as top talents, excellent talents, leading talents, top-notch talents and senior talents, who are imported from Ningbo, purchase houses in the restricted area of Ningbo or apply for priority subscription of new commercial housing by households without houses 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.
Expand the restricted purchase area and expand the scope of family housing verification 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.
The restricted housing area is expanded from the current area surrounded by "Beihuan West Road-Guangyuan Road, Guangyuan Road Extension (planned)-Xihong Bridge (under construction)-Qiushi Road-Yinxian Avenue-Airport Road-Yinzhou 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, and the hot spots of commercial housing and second-hand housing in Ningbo have been basically included in the restricted purchase area, and the area under the jurisdiction of Fangqiao Street in Fenghua District has also been included in the restricted sale area.
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.
If a non-Ningbo household registration family applies for the purchase of new commercial housing or second-hand housing in the restricted purchase area, it shall provide a social insurance payment certificate that has been paid continuously for 24 months or more in Ningbo for three years from the date of purchase, and there is no record of overdue payment. Non-registered households in six districts of Ningbo 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 Ningbo 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.
Establish a reference price release mechanism for second-hand housing transactions in hot school districts
Ningbo Housing and Construction Bureau explained that for the second-hand housing market, the "Notice" mainly started from two aspects: "improving the rules of second-hand housing transactions" and "strengthening 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.
According to the introduction of Ningbo Housing and Construction Bureau, the first batch of hot school districts that plan to release the transaction reference price are nine, based on the recent transaction volume, listing price, online signing price and other factors: Ningbo Experimental Primary School, Haishu Foreign Language School (Qinglinwan Campus, Wujiangkou Campus), affiliated school of Ningbo University, Huatai Primary School (East Campus, 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.
Yan Yuejin, research director of the think tank center of Yiju Research Institute, believes that Ningbo has clarified the relationship between the reference price of second-hand houses and credit work. In other words, it will be more difficult for second-hand houses to obtain loans later, which will reduce the space for housing price increases.
Blocking the loopholes in the purchase restriction policy by using gifts.
In strengthening the management of housing transactions, the donation of second-hand housing in the restricted purchase area is strictly restricted, and the loopholes in the use of gifts to avoid the purchase restriction policy are blocked. 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 Ningbo, has a house in the center of Ningbo, which has been held for 10 years. Because I grew up with Li, who is also a resident of Ningbo, 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 Ningbo, 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.
Strictly examine the source of funds for down payment of house purchase
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.
Ningbo Housing and Construction Bureau said that 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. 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.
Special rectification activities will be carried out after the implementation of the New Deal.
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.
Yan Yuejin pointed out that this policy clearly needs to crack down on the behavior of housing enterprises to control the subscription ratio. This behavior is more obvious this year. In the subscription process of new housing projects in many cities, there are indeed many abnormal phenomena, such as "declining" buyers to subscribe for housing. In doing so, in fact, we don't want the room ratio to be too high, which will trigger the policy of buying a house with points or shaking the number. However, this practice belongs to manipulation, which affects the property buyers' entry into the market. This move in Ningbo helps to standardize the marketing operations of housing enterprises and reduce human intervention in various sales offices.
Ningbo Housing and Construction Bureau said that after the implementation of the New Deal, all localities and departments will mainly carry out special rectification for the following violations that disrupt market order and damage the legitimate rights and interests of market players:
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 price of second-hand housing; 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.
Increase the supply of residential land and 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".
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 Ningbo's housing system.