6543810.30, Wang Xiliang, deputy secretary of Kunming Municipal Committee and mayor of Yunnan Province, presided over the executive meeting of the municipal government to study and strengthen the supervision of pre-sale funds of commercial housing.
The so-called supervision of commercial housing pre-sale funds refers to the third-party supervision of commercial housing pre-sale funds by real estate administrative departments in conjunction with banks. Real estate development enterprises must deposit the pre-sale funds into the special supervision account of the bank, which can only be used for the construction of this project, and shall not be withdrawn or used at will.
The supervision of pre-sale funds of commercial housing in Kunming will focus on strengthening the supervision of funds for pre-sale permit projects of commercial housing in the central area of the main city. At the same time, all pre-sale funds should be deposited in special accounts, and dynamic supervision should be implemented in stages and in proportion according to the principle of earmarking. The amount of supervision funds is 30% of the total pre-sale of the project. Kunming Housing and Urban-Rural Development Bureau will supervise the pre-sale funds of commercial housing at different levels according to the qualifications, business performance and credit records of real estate development enterprises.
For the pre-sale projects of commercial housing with abnormal conditions (such as project shutdown, arrears of wages for migrant workers, closure of supervision accounts, etc.). ), the city and district levels make comprehensive risk judgments and divide the regulatory levels, and correspondingly increase the amount of regulatory funds.
Specifically, in order to further protect the legitimate rights and interests of buyers and ensure the stable and healthy development of Kunming's real estate market, Kunming will strengthen the financial supervision of the projects that handle the pre-sale permit of commercial housing in Wuhua, Panlong, Xishan, Guandu and Chenggong, the central area of the main city, in accordance with the principle of "government guidance, bank supervision and earmarking".
At the same time, the purchaser will deposit the house price into the supervision account with the Notice of Payment for Pre-sale Funds of Commercial Housing, and make it clear that the real estate development enterprise should sign a supervision agreement with the supervision bank before handling the pre-sale permit of commercial housing; The purchaser will deposit the house price directly into the supervision account with the Notice of Payment for Pre-sale Funds of Commercial Housing. After the system confirms that the down payment or one-time payment has arrived in full, the online signing filing system of commercial housing will put it on record. For the mortgage loan of the purchaser, the real estate development enterprise shall authorize the mortgage bank to transfer the money into the pre-sale fund supervision account within 10 days after the mortgage bank approves the loan, otherwise the online signing and filing function of the project will be automatically closed by the commercial housing pre-sale fund supervision system.
In the hierarchical supervision of pre-sale funds of commercial housing, all pre-sale funds of pre-sale projects of commercial housing should be deposited in special accounts, and dynamic supervision should be carried out in stages and in proportion according to the principle of earmarking. The amount of supervision funds is 30% of the total pre-sale funds of the project, and the nodes for the use of funds are the image progress, main structure acceptance and completion acceptance of the first application for pre-sale permit of commercial housing, and the node of "one half of the construction floor" is added to the high-rise building; Kunming Housing and Urban-Rural Development Bureau implements hierarchical supervision of pre-sale funds of commercial housing according to the qualifications, business performance and credit records of real estate development enterprises.
For the pre-sale projects of commercial housing with abnormal conditions, the amount of supervision funds shall be increased accordingly. The regulatory measures pointed out that it is necessary to establish a linkage work system at the municipal and district levels, and adopt the method of "regular inspection at the district level+irregular spot check at the municipal level" to strengthen daily supervision and management; For the pre-sale projects of commercial housing with abnormal conditions (such as project shutdown, arrears of wages for migrant workers, and seizure of supervision accounts). ), the city and district levels make comprehensive risk judgments and divide the regulatory levels, and correspondingly increase the amount of regulatory funds; The use of pre-sale funds for commercial housing in risk projects must be jointly approved by the local government and the Municipal Housing and Urban-Rural Development Bureau, and the supervision bank shall handle the disbursement procedures.
It is worth mentioning that Kunming held a working conference on housing and urban and rural construction on June 2 this year, and made it clear that the Measures for the Supervision of Pre-sale Funds of Commercial Housing will be issued this year to ensure the healthy and stable development of the real estate market, make a good reserve of real estate policies and prevent "unfinished business".
In addition to Kunming, a number of provinces and cities have recently introduced new policies to supervise the pre-sale funds of commercial housing, including Zaozhuang City, Zhejiang Province, Qinhuangdao City, Ningxia Yinchuan City, Luzhou City, Sichuan Province, Jiaxing City, Zhejiang Province, Shijiazhuang City, Hebei Province and Fuzhou City, Fujian Province.
Among them, the Housing and Urban-Rural Development Bureau of Zaozhuang City, Shandong Province recently issued the Implementation Rules for the Supervision of Commercial Housing Pre-sale Funds in Zaozhuang City, which clearly regulated the collection and storage of pre-sale funds, the expenditure and use of pre-sale funds, and the termination and lifting of pre-sale funds supervision from 1 1.
The article in the last half month also pointed out that it is imperative to reform the pre-sale system of commercial housing in order to prevent the emergence of uncompleted residential flats from the source. Using a larger proportion of its own funds for development will help to force developers to strive to build better commercial housing. At the same time, the real commercial housing is just around the corner, and there will be fewer contradictions and disputes between buyers and sellers. Reform cannot be "one size fits all" and the steps cannot be too big. The urgent task to reduce the risk of uncompleted residential flats is to strengthen the supervision of the pre-sale funds of commercial housing to ensure that they are only used for the construction of this project and cannot be withdrawn at will.