Increase payment nodes and increase payment ratio.
Experts said that the original intention of the supervision system of commercial housing pre-sale funds is to ensure the safety of pre-sale funds. Under the current circumstances, moderate optimization is conducive to stabilizing market confidence and realizing a virtuous circle of the industry.
Generally speaking, the regulatory policies for optimizing the pre-sale funds of commercial housing in various places are mainly reflected in three aspects. The first is to increase the distribution nodes of key regulatory funds. For example, Xuzhou was adjusted from the original pre-sale batch to withdraw key supervision funds by building. The main body of a single project is completed by 50%, and the key supervision funds are paid by 50%; Single project subject acceptance, key supervision funds paid to 60%; Single project completion acceptance, key supervision funds paid to 80%; After the completion of the construction project, the key supervision funds will be paid to 90%; When handling the initial registration, the key supervision funds are fully in place.
The second is to increase the proportion of key regulatory funds allocated. For example, if Luzhou is clear, when the project progress reaches the two nodes of the main body capping and completion acceptance filing, the upper limit of the proportion of the total amount of key supervision funds for deregulation will be increased by 5% respectively.
Third, it is allowed to replace pre-sales supervision funds with bank guarantees. For example, Fuyang allows real estate development enterprises to use bank guarantees to release the corresponding amount of supervision funds, and supports enterprises to use bank in-transit mortgage funds to offset the supervision amount. Haikou is clear that development enterprises can deduct the same amount of supervision funds with the letter of guarantee issued by commercial banks, and the funds exceeding the supervision amount can be extracted and used by real estate enterprises as needed.
In addition, some cities have adopted ways such as allowing pre-sale supervision funds to be withdrawn in advance and implementing differentiated supervision according to the credit rating of enterprises to improve the efficiency of fund use.
"Recently, many rescue policies have been introduced to adjust the supervision measures for pre-sale funds. It is estimated that the supervision of project pre-sale funds generally accounts for 30%-40% of the total pre-sale funds. The optimization of pre-sale fund supervision will help alleviate the tight financial situation of housing enterprises. " Liu Shui, research director of Enterprise Department of Central Reference Institute, said.
More cities may follow suit.
It is expected that more cities will optimize the supervision of pre-sale funds of commercial housing and support the production and operation of enterprises.
Yang Kewei, deputy general manager of Ke Rui Research Center, believes that there are two types of cities that will soon follow up and adjust the supervision policies for pre-sale payment of commercial housing. First, cities with relatively strict supervision of pre-sale funds; Second, cities with overall controllable project delivery risks.
"The policy focuses on' guaranteeing the delivery of houses', ensuring that projects under construction can be delivered on schedule and safeguarding the legitimate rights and interests of housing consumers to the maximum extent. Therefore, the supervision of pre-sale funds will tend to be standardized, and the whole process control and full-cycle supervision from land acquisition and development to sales collection and delivery will be truly realized. " Yang Kewei added.