The "Notice" clearly adjusts the housing provident fund loan policy. Cancel the household registration restriction of the housing provident fund loan object, and the paid employees who purchase self-occupied housing can apply for housing provident fund loans if they meet the conditions of housing provident fund loans.
According to the regulations, in Xiaochang County, for the first time, if you apply for using the housing provident fund loan to purchase self-occupied housing, the maximum loan amount is 500,000 yuan, and the maximum loan amount is 400,000 yuan in other cases. The loan amount for the first self-occupied housing is 70% of the total price of the purchased housing; For the second set of owner-occupied housing or the second application for housing provident fund loans, the loan amount can be 60% of the total price of the purchased housing. The prepayment of housing provident fund loans can be handled from the month following the issuance of housing provident fund loans. If the loan is deducted on a monthly basis, it can be deducted on an annual basis after the balance of the housing provident fund account is kept at 100 yuan.
At the same time, support residents to buy houses. Those who purchase new commercial housing will reach the delivery date agreed in the commercial housing filing contract and enjoy the policy of equal and compulsory education for citizens. Support residents' demand for rigid and improved housing, and give 100% deed tax subsidy to new commercial housing with the purchase area not exceeding 144 square meters to promote housing consumption and stimulate market vitality. Housing deed tax subsidy payment acceptance window is located in the comprehensive transaction registration workbench on the first floor of the county government affairs center. The residents and builders of the workbench are responsible for the preliminary examination, the tax personnel audit and the Housing and Construction Bureau audit summary. 1 month 1 day, with regular financial audit.
For real estate enterprises, the Notice mentioned that real estate development enterprises with no disputes and good credit records can allocate pre-sale supervision funds 1 node in advance under the premise of controllable risks, so as to alleviate the financial pressure of enterprises and support enterprises to speed up project construction.
The following is the full text of the notice:
All relevant units and real estate development enterprises:
In order to thoroughly implement the requirements of the CPC Central Committee and the State Council on the implementation of "one city, one policy" and "one policy for the city" in the real estate market, improve the real estate policy, adhere to the positioning that houses are used for living, not for speculation, and achieve the work objectives of stabilizing land prices, housing prices and expectations, with the consent of the county government, we hereby notify you of the relevant matters for promoting the stable and healthy development of Xiaochang real estate market as follows (hereinafter referred to as the "Notice"):
First, strengthen land supply and planning management. Strictly implement the land supply plan and implement "net land" supply. Explore the way of land pre-supply and stimulate the market potential. Reasonably determine the reserve price of land transfer, the bid bond is determined at 30% of the initial price of land transfer, and the bank guarantee can be regarded as the payment of bid bond. Pay attention to the development quality and apartment structure of commercial housing, reasonably determine the planning conditions such as plot ratio, commercial-residential ratio and greening rate of residential land, and better meet the reasonable purchase demand of buyers. As of the effective date of this notice, the newly transferred land for real estate development is not suitable for the construction of affordable housing.
Second, adjust the housing provident fund loan policy. Cancel the household registration restriction of the housing provident fund loan object, and the paid employees who purchase self-occupied housing can apply for housing provident fund loans if they meet the conditions of housing provident fund loans. For the first time to apply for the use of housing provident fund loans to buy self-occupied housing in Xiaochang County, the maximum loan amount is 500,000 yuan, and the maximum loan amount in other cases is 400,000 yuan. The loan amount for the first self-occupied housing is 70% of the total price of the purchased housing; For the second set of owner-occupied housing or the second application for housing provident fund loans, the loan amount can be 60% of the total price of the purchased housing. The prepayment of housing provident fund loans can be handled from the month following the issuance of housing provident fund loans. If the loan is deducted on a monthly basis, it can be deducted on an annual basis after the balance of the housing provident fund account is kept at 100 yuan.
Third, support residents to buy houses. Those who purchase new commercial housing will reach the delivery date agreed in the commercial housing filing contract and enjoy the policy of equal and compulsory education for citizens. Support residents' rigid and improved housing needs. The deed tax subsidy of 1.00% shall be given to newly-built commercial housing with the purchase area not exceeding1.44m2, so as to promote housing consumption and stimulate market vitality. Housing deed tax subsidy payment acceptance window is located in the comprehensive transaction registration workbench on the first floor of the county government affairs center. The residents and builders of the workbench are responsible for the preliminary examination, the tax personnel audit and the Housing and Construction Bureau audit summary. 1 month 1 day, with regular financial audit.
Fourth, optimize the supervision system of pre-sale funds. Implement the spirit of the Notice of the Ministry of Housing and Urban-Rural Development, the People's Bank of China and the China Banking Regulatory Commission on Regulating the Supervision of Commercial Housing Pre-sale Funds, strengthen the informatization construction of fund supervision, strengthen departmental responsibility and financial supervision, give full play to the supervision efficiency of pre-sale funds, and rationally adjust the supervision ratio. Under the premise of controllable risks, real estate development enterprises with no disputes and good credit records can allocate pre-sale supervision funds in advance according to 1 node, so as to reduce the financial pressure of enterprises and support enterprises to speed up project construction.
Fifth, strengthen the real estate market supervision. Do a good job in market early warning monitoring and information release, and guide residents to purchase houses rationally and consume rationally. Strictly implement the pre-sale price filing system for new commercial housing, guide development enterprises to reasonably determine the average selling price, implement the price publicity and "one-price settlement" system, and stabilize the price of commercial housing. We will continue to carry out special rectification activities in the real estate market, implement the system of "double random and one open" and daily inspection, intensify joint law enforcement, severely punish illegal acts such as unlicensed pre-sale, price fraud, false advertising and so on according to laws and regulations, continuously purify the market environment and standardize the market order.
Sixth, strengthen public opinion control and market guidance. All real estate development enterprises, intermediaries, online platforms and media should correctly guide public opinion and market expectations, and relevant departments should strengthen the supervision of online public opinion monitoring, promptly respond to the concerns of the masses, and severely crack down on publishing false information, malicious speculation and disrupting market order.
Seven, the policy implementation period. This notice is valid for one year, and will be implemented from July 1 day, 2022, and will be automatically abolished on June 30, 2023.
Eight. Policy interpretation and others. This "Notice" shall be interpreted by the County Housing and Urban-Rural Development Bureau in conjunction with relevant departments. Where the relevant policies and measures are inconsistent with this Notice, this Notice shall prevail.
Xiaochang county housing and urban construction bureau
Xiaochang county education bureau
Xiaochang county bureau of finance
Xiaochang county natural resource he planning bureau
Xiaochang county market supervision management bureau
People's Republic of China (PRC) State Taxation Bureau Xiaochang County Taxation Bureau
Xiaogan housing fund center Xiaochang office