Accelerate project construction.
"Harbin released" the official WeChat 65438+ 10/0 news, Harbin Housing and Construction Bureau and other departments recently formulated the "Implementation Opinions on Promoting the Stable and Healthy Development of the Real Estate Market in Our City".
The "Opinions" stipulate that the construction of the project should be accelerated in accordance with the time limit for commencement and development agreed in the land use right transfer contract. For the real estate development projects with the annual credit rating of green and blue that obtained the land use right before June 1 in 2022 and February 1 in 2022, enterprises can apply for the pre-sale permit of commercial housing by building if the high-rise building reaches the image of a first-floor project and the multi-storey building reaches the image of a second-floor project.
Before 65438+February 3, 20221,the real estate development projects that have been supervised by the pre-sale funds of commercial housing should be returned as soon as possible. At the same time, according to the actual progress of enterprise credit and project construction, if there is still a balance after deducting 5% of the retained supervision funds, on the basis of returning the supervision funds at each stage, 20% of the original amount will be increased at each stage to reduce the pressure on enterprise liquidity.
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 they buy the first commercial house in Harbin. The payment standard is 6,543,800 yuan for full-time doctoral students, 50,000 yuan for full-time master students, 30,000 yuan for full-time undergraduate students and 20,000 yuan for junior college students (including technical colleges).
New citizens who buy the first commercial house in Harbin can enjoy housing subsidies. Housing subsidies are paid in a lump sum in the form of money, and the payment standard is 6,543,800 yuan. Employees who have paid provident fund in different places are allowed to apply for provident fund loans in Harbin, so that employees in different places can enjoy the same housing provident fund loan policy in Harbin. Relax the policy of paying provident fund for flexible employees, and you can apply for paying housing provident fund when you open a social security account.
The "Opinions" clarify that if the housing provident fund portfolio loan business is relaxed and employees still cannot meet the demand by using provident fund loans, they can apply for portfolio loans. District and county (city) governments should earnestly fulfill the territorial responsibility of the real estate market and actively guide and support real estate development enterprises to carry out promotional activities.
The policy was further improved.
In June, 2020 165438+ 10, Harbin issued the Notice on Policies to Promote the Stable and Healthy Development of the Real Estate Market in Our City during the Epidemic Period, with 14 supporting measures.
China securities journal reporter noted that the sixteen measures promulgated by Harbin this time overlapped with the fourteen measures promulgated at the end of last year in some terms. This is also a further follow-up and improvement of the policy at the end of last year. For example, in terms of the use of provident fund in different places, both policies stipulate that "employees who have paid provident fund in different places should apply for provident fund loans in Kazakhstan, so that employees in different places can enjoy the same housing provident fund loan policy in Kazakhstan". Both policies mention supporting and encouraging real estate enterprises to provide discounts and promotions; The water and electricity charges actually used for living in the apartment shall be implemented according to the civil price standard.
In addition, Harbin has previously issued "Several Policies for Encouraging Employment and Entrepreneurship in Harbin". For doctoral graduates newly introduced from enterprises and municipal institutions in nine urban areas of Harbin and settled in professional and technical fields, each person will be given a monthly living allowance of 3,000 yuan, a one-time settlement fee of 654.38+million yuan, and a one-time purchase subsidy of 654.38+million yuan for buying a house in Harbin; Full-time master graduates newly introduced and settled in 9 urban areas within 5 years after graduation will be given a living allowance of 2,000 yuan per month and a one-time settlement allowance of 30,000 yuan. For full-time undergraduate graduates of ordinary colleges and universities who are newly employed and settled in 9 urban areas within 5 years after graduation, the living allowance is per person per month 1500 yuan; Full-time graduates from ordinary junior colleges, technical secondary schools and full-time technical colleges who are newly employed in 9 urban areas will be given a monthly living allowance in 700 yuan. Living allowance is paid for three consecutive years.
Reduce the financial pressure on housing enterprises
Zhang Dawei, chief analyst of Zhongyuan Real Estate, believes that Harbin's property market has obviously cooled down, especially in September, because the epidemic has basically "frozen". In June, the epidemic situation was gradually controlled in May 438+10, but the overall market performance was still poor.
According to the data of the National Bureau of Statistics, the price of new commercial housing in Harbin decreased by 0.3% in August, and the price of second-hand housing decreased by 0.2% in August.
In terms of market supply, the statistics of Zhongyuan Real Estate Research Center show that the supply and sales of commercial housing in Harbin showed a downward trend in August: the supply area decreased by 14% year-on-year and increased by 249% quarter-on-quarter; The transaction area decreased by 26% year-on-year and increased by 8% quarter-on-quarter; The transaction amount decreased by 33% year-on-year; The average transaction price decreased by 10% year-on-year and 4% quarter-on-quarter.
Yan Yuejin, research director of the think tank center of Yiju Research Institute, believes that this policy has put forward many pragmatic contents for reducing the burden of housing enterprises, including lowering the pre-sale permit standard, speeding up the withdrawal of pre-sale funds, reducing the pre-requisition rate of land value-added tax, and supporting the promotion activities of housing enterprises. These regulations can greatly reduce the financial pressure of housing enterprises, and at the same time help housing enterprises to better carry out sales and project development.
Yan Yuejin pointed out that the policy starts from the housing consumption end and implements the destocking policy through multiple channels, including subsidizing college students and new citizens, relaxing the housing age of second-hand housing provident fund loans, and implementing civil price standards for apartment products. Such regulations will reduce the cost of property buyers entering the market, and provide more protection in finance, finance, taxes and fees, which will help encourage property buyers to actively enter the market.