A number of heavy benefits, including those with college education or above, buy houses in Kazakhstan and implement the housing subsidy policy.
Qualified talents can get a maximum subsidy of100000 yuan for purchasing the first suite; The age of second-hand housing provident fund loans has been raised to 30 years.
It is reported that the Harbin property market has fallen for eight months.
Some analysts believe that the policy issued by Harbin has a strong signal significance, and it is expected that the number of follow-up cities will increase.
According to Harbin News Network, in order to conscientiously implement the overall goal of stabilizing land prices, housing prices and expectations, and promote the healthy and stable development of the real estate market in Harbin.
Harbin Housing and Urban-Rural Development Bureau, together with the Municipal Natural Planning Bureau, the Municipal Finance Bureau, the Municipal People's Social Security Bureau, the State Taxation Administration of The People's Republic of China Harbin Taxation Bureau, the Heilongjiang Supervision Bureau of the China Banking Regulatory Commission, the Harbin Central Branch of the People's Bank of China, the Network Information Office of the Municipal Party Committee and the Municipal Housing Provident Fund Management Center, formulated the Implementation Opinions on Promoting the Stable and Healthy Development of the Harbin Real Estate Market.
The opinions shall come into force from 2002 1 year1October1day, and shall be valid until 20221February 3 1 day, during which they shall be adjusted in time according to relevant national policies and changes in market situation.
The full text * * * has 16 initiatives with four key points:
1, to reduce the pressure of enterprise liquidity, development enterprises can apply for the pre-sale permit of commercial housing by building.
For the real estate development projects with the annual credit rating of green brand and blue brand, which obtained the land use right before June 1 2022, and before February 3 1 2022, if the high-rise buildings reach the image of the first-floor project and the multi-storey buildings reach the image of the second-floor project, they can apply for the pre-sale permit of commercial housing by building.
Before 20221February 3 1, the real estate development projects that have implemented the supervision of pre-sale funds of commercial housing should be returned as soon as possible if they meet the return conditions.
At the same time, according to the actual progress of enterprise credit and project construction, if there is still a balance in the recorded amount of supervision funds after deducting 5% of the retained supervision funds, on the basis of returning the supervision funds at each stage, 20% of the original amount should be increased at each stage to reduce the pressure on enterprise liquidity.
2, to attract talents, college education or above are subsidized, with a minimum of 20,000 and a maximum of100,000.
In order to attract and retain talents with college education or above to buy houses in Kazakhstan, the housing subsidy policy is implemented.
For all kinds of talents under the age of 35 who have signed employment contracts or service agreements with local employers, paid social security for six months, and started their own businesses, they can enjoy housing subsidies when purchasing the first commercial house in Kazakhstan.
The housing subsidy is paid in a lump sum in the form of currency, and the payment standard is RMB 0.00 million for full-time doctoral students, RMB 50,000 for full-time master students, RMB 30,000 for full-time undergraduates and RMB 20,000 for college students (including technical colleges).
The purchasing situation of the talents who purchase houses has been recognized by the departments of human society, education and housing construction. After the purchaser issues the commercial housing sales contract confirmed by online signing, the municipal finance will allocate funds to the application department for payment.
This subsidy is based on the family, and both husband and wife cannot enjoy it at the same time. Those who enjoy this subsidy policy will no longer enjoy other housing subsidy policies issued by Harbin Municipal People's Government and its subordinate departments.
For new citizens who come to Kazakhstan for various reasons, such as work or school, they can enjoy subsidies when they buy the first commercial house in Kazakhstan. The housing subsidy is paid in a lump sum in the form of currency, and the payment standard is 1 10,000 yuan.
After the purchaser issues the commercial housing sales contract confirmed by the online signing, the municipal finance will allocate funds to the application department for payment.
3. The age of second-hand housing provident fund loans will be raised to 30 years, and employees who have paid provident fund in different places will be allowed to apply for provident fund loans in Kazakhstan.
On the premise of ensuring the value of housing collateral, combined with the actual situation, the housing age of second-hand housing provident fund loans will be relaxed from 20 years to 30 years, and the sum of the loan age and housing age will not exceed 50 years.
Employees who have paid the provident fund in different places are allowed to apply for provident fund loans in Kazakhstan, so that employees in different places can enjoy the same housing provident fund loan policy in Harbin.
The personal loan age of housing provident fund for female cadres at county (department) level and female professional and technical personnel with senior titles is adjusted from 55 to 60.
Relax the policy of paying provident fund for flexible employees, and social security can apply for paying housing provident fund when opening an account.
Relax the portfolio loan business of housing provident fund, and employees who still can't meet the needs by using provident fund loans can apply for portfolio loans.
4. The VAT withholding rate of ordinary standard residential land shall be 1.5%.
From 2002 1 year1month1day, 20% of the initial land transfer price will be paid as the bid bond for the newly transferred land project (subject to the time when the land transfer announcement is issued).
After the signing of the land transfer contract, 50% of the land transaction price shall be paid within one month, and the remaining land transaction price shall be paid within six months, and the corresponding interest shall be paid in accordance with the regulations.
Since 2002 1 year1month1day, the value-added tax withholding rate of ordinary standard houses, non-ordinary standard houses and other types of real estate land in the city has been implemented at 1.5%, 2% and 2.5% respectively.
For apartments actually used for residential purposes, water and electricity charges will continue to be subject to civil price standards.
Why launch this heavy "rescue" plan? According to the analysis, the cold property market and brain drain in Harbin are two key factors.
1, the property market is too cold, and the market supply exceeds demand.
Since 2020, Harbin property market has been severely impacted with the outbreak of COVID-19 epidemic.
From March, 20021year, some projects adopted the sales strategy of reducing prices in order to quickly withdraw funds.
However, after the short-term increase in transaction volume, it ushered in strong regulation, and the wait-and-see mood of buyers intensified, and the market gradually entered a difficult period.
According to the data of the think tank center of Yiju Research Institute, the supply of new commercial housing in Harbin continues to exceed demand. Up to now, Harbin property market has been falling for 8 months.
Even though many developers have played "price reduction cards", the sales volume has not improved significantly.
Vanke, Sunac, China Resources, China Shipping, Greenland and other real estate enterprises have launched a number of preferential activities, including one yuan to kill one square meter, buying a house to send home appliances, and one-price special rooms to kill in a limited time.
However, the sales volume has not improved significantly, and even the sales volume of many properties during the Golden Week has not reached double digits.
The data shows that during the Golden Week of November this year, only 345 sets of new houses were sold in Harbin.
Cold and cheerless transactions have affected the survival of enterprises.
2. The population outflow is serious.
According to the latest data of the seventh census, the resident population of Harbin, the capital of Harbin, is100099,900, which is 626,000 less than that of the sixth census, successfully holding the integer mark of 10 million.
Nevertheless, Harbin is still the only provincial capital city with a net outflow of population in China in the past ten years. At the same time, it also successfully withdrew from the ranks of the top ten populous cities in China.
It must be said that the current real estate industry is facing a major turning point, and there is an obvious oversupply in some cities, and the survival pressure of housing enterprises is increasing.
Will other cities follow suit next? Will determine the future direction of the real estate industry.
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Source: China Fund, reporter Wu Yu.