The ten measures to promote the development of the property market in Maoming are: increasing individual housing credit support, increasing housing provident fund support, implementing preferential tax policies for property transactions, encouraging housing promotions, optimizing the housing transaction process, standardizing the supervision of pre-sale funds, facilitating the enterprise to account for the development costs and tax returns, speeding up the construction of municipal and public ****service facilities supporting the construction of the property, optimizing the services for real estate projects, and strengthening the governance of the real estate market order.
1. Increase individual housing credit support
Full implementation of the policies of "recognizing houses but not loans", "adjusting and optimizing the differentiated housing credit policy", "lowering the interest rate of the first home loan for the stock of Housing loan interest rates" and other policy documents, according to the city policy, adjust the Maoming City, the minimum down payment ratio of the first set of housing to 20%, the interest rate floor to the LPR-20BP; the minimum down payment ratio of the second set of housing to 30%, the interest rate floor to the LPR + 20BP; at the same time, according to the law and orderly reduction in the stock of the first set of housing loan interest rates. To a greater extent to meet the reasonable financing needs of rigid and improved housing buyers, and stabilize residents' consumption expectations.
2, increase housing fund support
The first application for individual housing loans and for the improvement of living conditions for the second time to apply for individual housing loans from the provident fund, the minimum down payment ratio of not less than 20%, allowing the purchase of new commercial housing in Maoming City, you can withdraw the housing fund to pay the down payment.
3, the implementation of tax incentives for property transactions
The transferor enjoys: the transfer of residential full two years free of value-added tax. The transfer of residential housing for five years is exempted from personal tax. The transfer of residential property is exempted from land value-added tax. Exemption of stamp duty on the transfer of residential property. The transferee enjoys: the deed tax for the only housing of the family is 1% for 90 square meters and below, and 1.5% for more than 90 square meters. The deed tax for the second improved home of the family is 1% for 90 square meters and below, and 2% for 90 square meters and above. Transfer of residential property is exempted from stamp duty.
4, encourage housing promotional activities
Encourage housing associations at all levels, real estate development enterprises to take a variety of forms of housing promotional activities, including for the public to carry out the purchase of group purchasing activities, to guide the housing consumption expectations. Real estate development enterprises to carry out activities to promote housing consumption of marketing costs incurred by the competent authorities, after examination, in accordance with the "Maoming City, commodity housing pre-sale fund supervision measures" relevant provisions of the application for disbursement.
5, optimize the housing transaction process
Promote the second-hand house "with a pledge to transfer" mode, and actively explore the development of first-hand house "with a pledge to transfer" new model. Standardize the second-hand housing transactions intermediary services, strict implementation of the brokerage agency price system, prohibit brokerage services illegal charges, encourage real estate brokers to provide one-stop service, a one-time fee. The implementation of the policy of "handing over the house that is licensed".
6, standardize the supervision of pre-sale funds
Study to strengthen the risk control measures for pre-sale funds. With reference to the practice of some cities in the province, the pre-purchaser to buy pre-sale of commodity houses, the pre-sale of commodity houses directly into the special account; developers apply for pre-sale of money withdrawal, the receipt of vouchers submitted to be clearly set out corresponding to the name of the project and the name of the project of the commodity house. Ensure that the funds inside the regulatory account is more secure, the consumer purchase after the delivery of the building is also more secure.
7, to facilitate enterprises to account for the development costs and tax returns
New public sale of land containing residential, commercial services for a variety of purposes, in the sale of the announcement of the use of clear land prices for each purpose. Tax departments at all levels should strengthen tax counseling for real estate enterprises, guide enterprises to correctly respond to the series of problems caused by changes in tax collection policies, and at the same time proactively solve reasonable tax-related problems raised by enterprises.
8, accelerate the municipal and public **** service facilities supporting construction
Newly offered real estate development project land prices should include municipal infrastructure construction costs. In the commercial housing projects to achieve pre-sale conditions before the government departments to take the lead in the completion of the project around the construction of trunk roads and neighborhood roads, set up refuse collection points, power supply line access, water supply, drainage and sewage network laying. Timely announce the construction and completion progress of public ****service facilities around the development project such as education and medical care, as well as the time to put them into use, and accelerate the progress of supporting construction to ensure delivery according to the announced time limit.
9, optimize services for real estate projects
Related units to establish a real estate project service officer system, to provide point-to-point development projects, "shopkeeper" services. Re-organize the business process there are "pain points, blocking points, difficult" issues, enterprise-related fees, especially for enterprises to reflect the strong water, electricity, cable TV enterprise-related fees to rectify the problem. Further optimize the process, improve efficiency, reduce the burden on enterprises, and create a more favorable business environment.
10, strengthen the governance of the real estate market order
Standardize the real estate enterprises and real estate agents of the business behavior, continue to carry out special rectification of the real estate market order, real estate enterprises and real estate agents of the violation of laws and regulations and the industry chaos behavior, into the industry integrity construction management, timely public announcement to the community, to maintain the fairness of the real estate market transactions, and to safeguard the legitimate rights and interests of the homebuyers.
The above content refers to the Maoming network - the city introduced ten initiatives to promote the real estate market to benefit the people's livelihood