In order to implement the Notice of the Ministry of Housing and Urban-Rural Development of the Ministry of Land and Resources on Optimizing the Supply Structure of Housing and Land to Promote the Stable and Healthy Development of the Real Estate Market (Guo Tu Zi Fa [2015] No.37) and the Notice of the Ministry of Finance State Taxation Administration of The People's Republic of China on Adjusting the Business Tax Policy on Individual Housing Transfer (Cai Shui [2015] No.39), According to the spirit of Notice of the People's Bank of China, Ministry of Housing and Urban-Rural Development, China Banking Regulatory Commission on Issues Related to Individual Housing Loan Policy (Yinfa [2065438+05] No.98) and Notice of the General Office of Jilin Provincial People's Government on Actively Supporting Housing Consumption and Promoting the Stable and Healthy Development of the Real Estate Market (Zheng Ji Ban Fa [2065438+05] No.44), in order to further support urban housing consumption and accelerate the digestion of commercial housing inventory,
First, speed up the progress of shantytown renovation.
Comprehensively sort out the existing shantytown renovation projects in urban areas, improve relevant construction procedures, and accelerate the progress of compensation collection and resettlement housing construction. When the government approves the implementation of the new shantytown renovation project, it must have clear requirements on the renovation time, renovation standards and enterprise access conditions to ensure the smooth implementation of the project. In accordance with the principle of paying equal attention to monetary resettlement and physical resettlement, we will strive to increase the proportion of monetary resettlement and steadily promote the government to organize the purchase of existing commercial housing for shantytown renovation and resettlement housing. According to the Notice of Jilin Provincial Local Taxation Bureau of the Ministry of Finance on Forwarding State Taxation Administration of The People's Republic of China of the Ministry of Housing and Urban-Rural Development of the People's Republic of China on Adjusting Preferential Policies for Individual Income Tax on Real Estate Transactions (Ji Cai Shui [2065438+00] No.939), deed tax is required.
Second, encourage reasonable housing loan demand.
The minimum down payment ratio is 25% for households who use commercial personal housing loans to purchase the first self-occupied housing. For 1 housing families who have settled the corresponding housing loans, if they apply for loans to buy ordinary self-occupied housing again to improve their living conditions, the corresponding policies for the first home loan will be implemented; For families who own more than two houses and have settled the corresponding housing loans, if they apply for loans to buy ordinary commercial housing again in order to improve their living conditions, the minimum down payment ratio of loans is 30%. For 1 housing family whose housing loan has not been settled, if they apply for commercial personal housing loan to buy ordinary self-occupied housing again in order to improve their living conditions, the minimum down payment ratio will be adjusted to not less than 40%. Banks that actively support affordable housing and individual housing loans can give priority to the storage of housing provident fund and property maintenance fund.
Third, increase support for housing provident fund.
Paid workers' families who use housing provident fund to entrust loans to buy the first set of ordinary self-occupied housing. The maximum amount of personal loan is 300,000 yuan, and the minimum down payment ratio is 20%. For households with 1 apartment that have settled the corresponding housing loans, if they apply for housing provident fund entrusted loans to buy ordinary self-occupied houses again in order to improve their living conditions, the corresponding policies for the first home loan will be implemented. Relax the loan period, and the approved borrower's loan period can be extended to 5 years after retirement; When the loan amount is approved, the monthly repayment amount of the borrower's repayment ability is increased from 50% to 60% of the total family income. Allow loans from different places in the province, and foreigners who do not pay housing provident fund in our city to buy ordinary self-occupied housing in our city, and allow them to apply for housing provident fund loans in our city; To carry out portfolio loan business, the housing provident fund loan amount can not meet the housing demand of paid employees, and the housing provident fund management center can carry out portfolio loans with commercial banks; Allow the main borrower and parents or children to use the housing provident fund for loans.
Fourth, the implementation of differentiated housing tax policies
If an individual purchases an ordinary house, and the house belongs to the only family house, the deed tax will be levied by half. If an individual purchases an ordinary house of 90 square meters or less, and the house belongs to the only family house, the deed tax shall be levied at the reduced rate of 1%. Individuals who purchase non-ordinary houses for more than 2 years (including 2 years) for external sales will be subject to business tax according to the difference between their sales income and the purchase price; Individuals who purchase ordinary houses for more than 2 years (including 2 years) for external sales shall be exempted from business tax.
Five, continue to do a good job in the registration of unregistered houses.
Adhere to the principle of "seeking truth from facts and facilitating the masses", adopt centralized examination and approval, and discuss difficult issues one by one, and increase the registration of unregistered houses. Continue to relax the confirmation time limit for unregistered residential houses left over from history, and extend the processing time limit for unregistered houses to 65438+February 3 1. Before the end of 2005, enterprises and institutions whose main qualifications disappeared were built, developed and put into use on state-owned land, but buildings without property rights registration were included in the scope of clean-up, and unregistered houses were supported for listing and trading after they were confirmed. Start the work of confirming the rights of unregistered non-residential houses in time, improve the procedures of confirming the rights, and directly handle the house ownership certificate for the buyers after completing the relevant taxes and fees.
Six, cultivate and develop the housing rental market
Seriously investigate the situation of urban housing rental, build a government housing rental information platform, and provide market information services for both supply and demand. We will steadily implement the construction of affordable housing for shantytown renovation projects and encourage private capital to participate in the construction and operation of public rental housing. Actively cultivate large-scale, professional and standardized housing leasing institutions, encourage development enterprises to enter the leasing market or entrust competent and qualified housing management units to operate on their behalf, and give tax reduction and exemption support according to tax policies. Through the purchase or long-term lease of small and medium-sized commercial housing as public rental housing, the passage between existing commercial housing and public rental housing will be opened. In accordance with the principle of graded implementation and gradient security, priority will be given to meeting the needs of urban low-income families with housing difficulties that meet the prescribed conditions. In combination with the actual situation, we will adopt the way of giving priority to rental subsidies and supplementing with physical distribution to expand the proportion of rental subsidies. Improve the rental subsidy system and enhance the ability of the security object to rent housing in the market.
7. Rationally optimize the scale and structure of housing and land supply.
In view of the large inventory and long digestion cycle of urban commercial housing, the scale and progress of housing development and construction should be properly regulated to reduce the supply of residential land. Under the premise of not changing the necessary planning conditions, the project under construction is allowed to adjust the apartment structure appropriately to meet the reasonable demand of self-occupied and improved housing. Guide the transformation and utilization of undeveloped residential projects for the development and construction of tourism real estate, pension real estate and education real estate. Regarding the payment of the transfer price of affordable housing land such as shantytown renovation, if the land acquisition and demolition expenses are paid in advance by the project unit, they will be paid in advance by the Municipal Urban Construction Bureau (the Municipal Shed Reform Office and the Municipal Housing Expropriation and Processing Center) and the Municipal Bureau of Land and Resources after approval by the municipal government.
Eight, strengthen organizational leadership.
Dongchang District, Erdaojiang District Government, Tonghua Medicine High-tech Zone Management Committee and relevant departments should earnestly strengthen organizational leadership, formulate specific implementation plans as soon as possible in light of the actual situation, and implement work responsibilities. We should pay close attention to the preparation of housing construction plan to guide affordable housing projects and real estate development and construction. It is necessary to further strengthen the supervision and management of the real estate market, strengthen the management of delivery and acceptance of commercial housing and the dynamic management of pre-sale of commercial housing, establish and improve the information publicity system of real estate development and pre-sale, improve the early warning mechanism of real estate market risks, make good plans, timely resolve market risks, and ensure the stable and healthy development of the real estate market. It is necessary to strengthen the correct guidance of public opinion, accurately interpret policies and measures, release market information in a timely manner through various means, correctly guide residents' housing consumption, and promote the healthy development of the city's real estate market. The municipal government will interview the main person in charge of the department with poor work and slow progress.
Tonghua Municipal People's Government Office
65438+February 3rd