In order to implement the decision-making arrangements of the CPC Central Committee, the State Council, the provincial party committee and the provincial government, adhere to the positioning of "houses are for living, not for speculation", realize the goal of "stabilizing land prices, housing prices and expectations", further activate the vitality of the main body of the real estate market in our city and promote the stable and healthy development of the real estate market. Combined with the actual situation in our city, the following measures are formulated:
First, optimize the approval process of real estate projects. Streamline the approval procedures of real estate projects and control the approval time of the whole process of the project within 3 1 day; Accelerate the project construction according to the development period agreed in the land use right transfer contract, and apply for the pre-sale permit of commercial housing when the main floor of the real estate development project is capped; Implement more accurate dust control measures and increase effective construction days.
Second, establish a credit rating evaluation system for real estate enterprises. The Municipal Housing and Urban-Rural Development Bureau takes the lead in establishing a credit rating evaluation system for real estate enterprises, strengthening the application of evaluation results, linking the amount of key supervision funds with the comprehensive credit evaluation results of real estate development enterprises, and implementing differentiated management according to the credit rating. Under the condition of ensuring the follow-up construction funds and unforeseen expenses of the supervision project, the excess funds can be used for the deployment and use of development enterprises.
Third, support reasonable housing demand. For college graduates or above who have signed employment contracts with local employers or started their own businesses and paid social security for three months or more, and new citizens who come to Wan for various reasons such as work and school, subsidies will be given to purchase the first set of newly-built ordinary commercial housing in the central city of our city and complete deed tax payment.
The housing subsidy is paid in a lump sum in the form of money, and the payment standard is 50,000 yuan for full-time doctoral students, 30,000 yuan for full-time master students, 20,000 yuan for full-time undergraduate students and 1 10,000 yuan for college students. For new citizens who come to Wan for work, school and other reasons, the subsidy is 1 0,000 yuan. The 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 preferential housing policies issued by Nanyang Municipal People's Government and its subordinate departments.
The application for house purchase subsidy is accepted by the Municipal Real Estate Registration Service Center, and the Municipal Human Resources and Social Security Bureau, the Municipal Education Bureau and the Municipal Real Estate Registration Service Center review the application for house purchase subsidy; The Municipal Finance Bureau will allocate subsidy funds to the Municipal Real Estate Registration Service Center, and the Municipal Real Estate Registration Service Center will pay the house purchase subsidy to the personal account provided by qualified buyers.
Fourth, promote the linkage between new commercial housing and second-hand housing consumption. Support residents to improve their housing consumption demand, and fail to provide complete and accurate proof of the original value of housing for individual transfer, and cannot correctly calculate the original value of housing and tax payable, individual income tax can be levied according to 1% of housing transfer income.
Five, provident fund deposits and loans to implement the same city treatment. Employees who have paid the provident fund in different places are allowed to apply for provident fund loans when they buy a house, so that employees in different places can enjoy the same housing provident fund loan policy in 10,000. Those who have relaxed flexible employment have reached the age of 18 and have not exceeded the national statutory retirement age, and have not produced bad credit records for three consecutive periods or more or accumulated six periods or more in the past five years, regardless of their domicile or work place. After the housing provident fund portfolio loan business is launched, employees who still cannot meet the demand for provident fund loans can apply for portfolio loans. Increase the loan limit determined according to the number of depositors, and increase the maximum amount of families who pay provident fund separately from no more than 500,000 yuan to no more than 600,000 yuan; For families where both the borrower and the spouse have contributed to the provident fund, the maximum amount will be raised from no more than 600,000 yuan to no more than 800,000 yuan.
Sixth, increase credit financing support. Organize regular docking between banks and enterprises, build a bridge between banks and enterprises, encourage financial institutions to issue and renew loans to enterprises in difficulty, and carry out M&A loans for real estate projects in a safe and orderly manner in accordance with the principles of legal compliance, controllable risks and sustainable business, effectively alleviating the operating pressure of the capital chain of market entities.
Financial institutions should distinguish project risks from enterprise group risks, increase support for high-quality projects, do not blindly lend, cut off loans, and pressure loans, and do not engage in "one size fits all" to maintain the smooth and orderly delivery of real estate development loans in our city.
On the basis of controllable risks, financial institutions should appropriately increase the support of working capital loans to meet the reasonable financing needs of construction enterprises, and do not blindly lend, cut off loans or pressure loans to maintain sustained and stable financing of construction enterprises.
Seven, reduce the burden of personal housing consumption. All financial institutions should increase the intensity of personal housing mortgage loans, reasonably determine the specific down payment ratio and interest rate level according to the borrower's credit status and repayment ability, and better meet the reasonable housing needs of buyers. For families who own a house and have settled the corresponding housing loans, in order to improve their living conditions, they apply for loans to buy ordinary commercial housing again, and financial institutions implement the first home loan policy.
Eight, establish a good land market order. According to the new population changes in the central city and the relationship between supply and demand in the market, we will intensify the regulation of real estate land, adjust the land supply in a timely manner according to the demand of the land market for operational land that has been included in the reserve, and give priority to meeting the demand for residential land. At the same time, increase the vitality of approved unused and idle real estate development land.
Nine, the implementation of monetary resettlement. In promoting the infrastructure, urban renewal and resettlement housing construction that have not started in the central city, those who have the conditions to be demolished are encouraged to choose monetary resettlement.
Ten, accelerate the integration of production and city development. In the "three halls and one hospital" area, accelerate the landing of industrial projects, improve medical and commercial service facilities, and promote the effective consumption of commercial housing; In high-speed rail areas, with industry as the support, accelerate the introduction of industrial projects, increase employment, attract talents and promote population agglomeration.
Eleven, to ensure that the owner's children to school nearby. In the vicinity of the newly-built complete school, priority should be given to the planning and construction of well-equipped residential quarters. If the children of the purchasing family move into the purchasing place to live for a long time, they will be admitted to the nearest school according to the principle of exemption. The purchase of family children belongs to migrant children of migrant workers, according to the migrant children's enrollment policy.
Twelve, improve the level of government services. Within a certain range, commercial banks, commercial insurance, and state-owned guarantee institutions will be used to replace pre-sales supervision funds, releasing the liquidity of pre-sales supervision funds; Strengthen the docking of departments, intervene in advance, optimize the process, implement a more convenient and beneficial service model, promote the development of "Internet plus real estate registration" to a higher level, and promote the normalization of "issuing certificates upon delivery".
Thirteen, improve the online public opinion monitoring mechanism. Unify the release caliber of data information in the real estate market, standardize the order of information dissemination, respond to social concerns in a timely manner, and correctly guide public opinion and market expectations. Relevant departments should strengthen the release management of online platforms, self-media and other media, and severely crack down on publishing false information, malicious speculation, rendering panic, misleading market expectations and other acts that disrupt market order according to law.
Fourteen, earnestly fulfill the main responsibility of the real estate market. All relevant responsible units should properly handle the debts owed by enterprises, refund all kinds of deposits in time, implement the policy of fee reduction and exemption, and actively guide and support real estate development enterprises to carry out promotional activities. City housing and urban construction, natural resources planning, finance, taxation, finance, provident fund, real estate and other relevant departments and units should vigorously cooperate, timely judge the trend of the real estate market, and do a good job in market monitoring and analysis. Real estate development enterprises should strengthen the main responsibility of enterprises, identify product positioning, improve product quality and promote the stable and healthy development of the real estate market.
These Measures shall be implemented as of the date of promulgation for a trial period of one year. The relevant matters during the trial period shall be interpreted by the Municipal Housing and Urban-Rural Development Bureau.
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