The surging news noted that the "Opinions" proposed to actively reduce the waiting time for housing provident fund loans, and timely adjustments to improve the housing provident fund loan differentiation policy, to stabilize the support for the first suite loan. This time the document did not involve specific adjustment programs.
The surging news query found that at present, Changzhou first time to apply for housing provident fund personal housing loans, the down payment ratio of 20%. on April 10, 2017, Changzhou for further strict implementation of the differentiated housing credit policy, give priority to the protection of the first loan of basic housing financing needs, adjust the second housing provident fund loan down payment ratio. For the second housing provident fund loan applications accepted since April 9, 2017, the minimum down payment ratio was increased from 30% to 50%. The maximum loan amount available for second-hand housing loans and commercial-to-public loans will not exceed 50% of the total house price. And in the "Adjustment of the city's housing provident fund individual housing loan down payment ratio" released on March 27, 2017, for the improvement of living conditions for the second time to apply for a loan to buy owner-occupied housing, Changzhou has just adjusted the minimum down payment ratio from 20% to 30%.
"Opinions" said the new application for pre-sale of new commercial housing projects, in the progress of the project to reach plus or minus zero, completion of the main structure of 1/2, completion of the main structure of the roof, completion of the facade decoration, completion of the delivery of the use of the record node, pre-sale funds trusteeship restricted amount of the initial trusteeship of the total amount of 65%, 50%, 40%, 25%, 0%; has been implemented in the third-party trusteeship of the pre-sale funds For projects that have implemented third-party escrow of pre-sale funds, the cash guarantee issued by local commercial banks, insurance companies, professional guarantee companies or the amount guaranteed by the construction project payment bond can partially replace the current cash amount of escrowed funds retained, and the minimum control line of the original policy cash amount is 50% of the total amount of the initial escrowed funds for the project, and the minimum control line can be adjusted to 40%.
February 9, Changzhou City, released "on the response to the new Crown pneumonia epidemic to help enterprises resume production views" (*** 20 measures) said it would ensure that the enterprise credit increment, reduce the cost of enterprise financing and so on. For insured enterprises that do not lay off workers or lay off fewer workers, 50 percent of their actual unemployment insurance premiums paid in the previous year can be returned.
Banking institutions will increase credit support for real enterprises, striving to increase credit by no less than 100 billion yuan in 2020, keep the balance of manufacturing loans at more than 143 billion yuan at the end of the year, and keep the balance of loans for inclusive small and micro-enterprises at no less than 96 billion yuan. For related industries and enterprises with development prospects but experiencing temporary difficulties, especially small and micro-enterprises, we should do everything possible to stabilize and increase loans, not blindly withdraw, cut off or suppress loans, and help enterprises tide over difficulties. The city federation of trade unions for the city's 1,500 normal operation for more than six months, no bad credit record of entrepreneurial enterprises, each to provide no more than 500,000 yuan of entrepreneurial loan support.
Encourage banking institutions to appropriately lower internal funds transfer pricing, reduce or waive handling fees, increase credit loans and medium- and long-term loans, reduce the comprehensive financing cost of enterprises, ensure that the comprehensive financing cost of real enterprises is not higher than the previous year's level, and the comprehensive financing cost of loans for small and micro-enterprises of inclusive type will be reduced by a further 0.5 percentage points. For the expiration of loans due to the epidemic affecting normal operations and enterprises experiencing temporary difficulties, extension, rollover or sub-lending will be given. Encourage the Jiangnan Financial Leasing Company to slow down or reduce rent and interest on the leasing business of medical equipment related to epidemic prevention and control. Municipal and district governments to coordinate 5 billion yuan to help small and medium-sized enterprises to reduce the cost of refinancing financing, the enterprise refinancing time is controlled within 2 days, the comprehensive rate decreased by 80%, and the amount of refinancing business is not less than 100 billion yuan.
The small and medium-sized enterprises that lease state-owned assets of administrative institutions for business use are exempted from paying rent for three months from the date of Changzhou's first-level response to a major public ****sanitary emergency. Initiative of the city's rental of factories, stores, office buildings, warehouses, etc. States-owned enterprises and their holdings at all levels, for small and medium-sized micro-enterprises that have not resumed work, resumption of business difficulties, according to the actual situation, compared to small and medium-sized micro-enterprises renting administrative institutions state-owned assets category of business premises rent reduction and exemption approach. For renting other business premises, the owner (landlord) and the lessee are encouraged to negotiate a solution according to the actual situation.
The following is the full text of the "Changzhou Municipal Government Office's Opinions on Responding to the New Coronavirus Pneumonia Epidemic and Guaranteeing the Stable Development of the Real Estate Industry":
People's governments of municipalities and districts, the management committee of Changzhou Economic and Technological Development Zone, and all relevant units of the city:
To y carry out the decision-making and deployment of the Central Committee of the CPC, the State Council, and the provincial Party committee and the provincial government on the prevention and control of the epidemic and to comprehensively implement the Jiangsu Province's new coronavirus Pneumonia infection epidemic prevention and control work leading group "on strengthening the scientific prevention and control of precise measures to resolutely win the epidemic prevention and control of blocking the war to promote economic and social development in a coordinated manner," (Su pneumonia prevention and control [2020] No. 4) spirit, and actively deal with the epidemic to the production and operation of the enterprise caused by the difficulties of the protection of the stable development of the real estate industry, and specially formulated the following views.
One, affected by the epidemic for tax declaration difficulties in real estate development enterprises, housing intermediary enterprises, housing leasing enterprises, construction enterprises, the enterprise application, according to the law to deal with the extension of the declaration. There are special difficulties and can not pay taxes on schedule, the enterprise application, according to the law to handle the extension of payment of taxes, upon approval of the maximum of three months. For the impact of the epidemic suffered major losses or serious losses, taxpayers have difficulties, etc., in line with the support of the new crown pneumonia epidemic prevention and control of tax incentives, you can enjoy the relevant tax incentives in accordance with the law. (Responsible unit: Municipal Taxation Bureau, Municipal Finance Bureau)
Two, the state-owned construction land use right auction bidders due to the impact of the epidemic can not be signed on schedule "confirmation of the transaction" or "state-owned construction land use right contract", you can apply for an extension of time to the city's epidemic prevention and control of the lifting of the first level of response measures to be signed within five working days. If the city is unable to deliver the land on site and pay the concession on time during the implementation of epidemic prevention and control and the corresponding measures, the land use right holder may apply for a delay in delivering the land and deferring the payment of the concession for the number of days of the city's epidemic prevention and control level 1 response period plus 5 working days without counting the liability for breach of contract and interest; if the city is still unable to deliver the land or make the payment on time at that time, it may be extended for a further period of not more than 30 natural days without counting the liability for breach of contract, but the interest shall be paid at the bank's lending rate for the same period. pay interest at the bank's lending rate for the same period. For the epidemic response period before the default liability has arisen, the city epidemic prevention and control of the first level of response period of the number of days plus 5 working days corresponding to the exemption of the default liability, and thereafter continue to be in accordance with the agreement of the transfer contract default liability. Due to the impact of the epidemic caused by the land development project has been transferred can not be opened and completed on schedule, the opening and completion of the time corresponding to the extension of the city's implementation of epidemic prevention and control of the first level of response period does not count the default liability. (Responsible units: Municipal Natural Resources and Planning Bureau, Municipal Finance Bureau)
Three, June 30, 2020 to pay the urban infrastructure support fee of real estate development projects, according to the local government (the jurisdiction of the municipal government or Changzhou Economic Development Zone Management Committee), by the enterprise to apply for an extension of the payment of time from the date of approval by the local government to pay the maximum of no more than six months, and in the completion of the acceptance of the former settlement The extension of payment shall be reported to the Municipal Finance Bureau for record within 15 working days from the date of approval by the local government. 65%, 50%, 40%, 25%, 0%; projects that have implemented third-party escrow of pre-sale funds, the cash guarantee issued by local commercial banks, insurance companies, professional guarantee companies, or the amount of the guarantee of the construction project payment bond can be partially replaced by the current retained cash amount of escrowed funds, and the original policy of the cash amount of the minimum control line of the project for the initial escrow of the total amount of 50% of the project, the minimum control line can be adjusted to 40%. (Responsible unit: Municipal Housing and Urban-Rural Development Bureau)
Fifth, the construction unit shall not be robbed of the schedule, according to the original contract time delivery or default deduction, etc., blindly require the construction unit to accelerate the progress of the project, due to the impact of the epidemic caused by the handling of losses and cost increases, in accordance with the Jiangsu Provincial Department of Housing and Construction, "on the new type of coronary pneumonia under the influence of the epidemic on the performance of contracts for housing and municipal infrastructure projects and project price adjustment of the guidance" (Su Jian price [2020] No. 20) and other relevant provisions of the state, province and city. (Responsible units: the municipal government, Changzhou Economic Development Zone Management Committee, the city housing and urban-rural construction bureau)
Sixth, actively reduce the waiting time for housing provident fund loans, and timely adjustments to improve the housing provident fund loan differentiation policy, to stabilize the first suite of loan support. For people who have temporarily lost their source of income due to the impact of the epidemic, banking institutions should give appropriate preference to credit policies, flexibly adjust personal credit repayment arrangements such as housing mortgages, and reasonably postpone the repayment period. (Responsible units: the city provident fund center, Changzhou Banking and Insurance Supervision Bureau, the city of local financial supervision)
Seven, due to the impact of the epidemic can not be completed on schedule acceptance and delivery of real estate development projects, according to the specifics of the impact of the epidemic can be reasonably postponed delivery, postponement of the period of the relevant responsibility for the application of force majeure and other relevant provisions of the law. (Responsible units: Municipal Bureau of Justice, Municipal Bureau of Housing and Urban-Rural Development, Municipal Bureau of Natural Resources and Planning, the municipal government of each jurisdiction, Changzhou Economic and Technological Development Zone Management Committee)
Eight, other supportive policies related to the operating costs of the enterprise, financial support, tax exemption and reduction, stabilization of employment and other aspects of the support policy, in accordance with the national and provincial, and the "Changzhou Municipal People's Government on the response to the epidemic of the new Crown Pneumonia to help enterprises to resume production opinions" ( Chang Zheng Fa [2020] No. 16) and other documents.
Nine, this opinion shall come into force on the date of publication, valid until December 31, 2020 (the specific measures specified in the text from its provisions).
Changzhou Municipal People's Government Office
February 29, 2020