On October 25th, The Paper learned from official website, Housing and Urban-Rural Development Bureau of Enshi Tujia and Miao Autonomous Prefecture, Hubei Province, that the Housing and Urban-Rural Development Bureau of Enshi Prefecture recently issued an announcement on soliciting opinions on Several Measures for Promoting the Stable and Healthy Development of the Real Estate Industry (draft for comments).
The "Draft for Comment" proposes to implement preferential tax policies. During the period from October 1, 2122 to February 31, 2123, taxpayers who sell their own houses and buy commercial houses again within 1 years after the sale of their existing houses will be given preferential tax refund for the personal income tax paid for the sale of their existing houses.
At the same time, due to the city's policy to make good use of the policy toolbox, the lower interest rate limit of the first commercial personal housing loan will be phased out before the end of 2122. Increase the investment of real estate development loans, encourage banking institutions to actively strive for policies, give reasonable real estate development loan support to projects with controllable risks and sufficient guarantees, and strive to make the annual growth rate of real estate development loans higher than the provincial average. For loans to real estate enterprises in temporary difficulties, we can help enterprises resist risks by adjusting repayment plans, delaying repayment of principal, continuing loans without repayment of principal, and extending loans. Carry out loan business for risk disposal projects in a safe and orderly manner, and support the increase of supporting financing loans for "Baojiaolou" projects.
regarding the implementation of the preferential policy of "transfer with mortgage", the Exposure Draft proposes that if the mortgaged real estate needs to be listed and traded, the seller can complete the transfer registration without returning the original mortgage first, and the buyer can obtain a financial loan by "transfer with mortgage".
In adjusting the housing provident fund policy, the interest rate of the first individual housing provident fund loan will be lowered. Flexible employees (rural residents, individual industrial and commercial households, freelancers) will be included in the pilot coverage of the housing provident fund system, and flexible employees will be encouraged to voluntarily pay the housing provident fund. Expand the scope of housing provident fund loans in different places, and allow employees who have paid housing provident fund in Hubei, Hunan, Chongqing and Chengdu, Sichuan to purchase houses in the state and apply for housing provident fund loans from the state provident fund center.
at the same time, the "exposure draft" proposes that the resettlement housing can be raised by means of group purchase of commercial housing and new land allocation. Support state-owned enterprises to buy new commercial housing as affordable rental housing, and solve the housing difficulties of basic public service personnel. Explore that real estate enterprises can sell existing commercial housing to buyers as * * * property housing. The preferential price of group buying commercial housing is not included in the range of the decline in the record price of commercial housing.
In addition, guide and encourage rural residents to buy houses in cities; Encourage families with two children and many children and all kinds of talents to buy commercial housing to give housing subsidies
On the same day, Enshi Housing and Construction Bureau also issued "Guiding Opinions on Encouraging Rural Residents to Buy Houses in Cities (Draft for Comment)" for public comments.
The "Draft for Comment" shows that rural residents who voluntarily withdraw from their homesteads to buy houses in cities and counties in the state will be sold at a limited price and given a one-time housing subsidy. For rural residents who keep their homestead and go to the city to buy commercial housing, the housing subsidy policy will be implemented, and real estate development enterprises will be encouraged to give appropriate preferential treatment to the sales price of commercial housing.
at the same time, all financial institutions should innovate financial products for farmers to buy houses in cities, increase the contracted management right of rural land and the mortgage loan of forest rights, and ensure the demand for funds for farmers to buy houses in cities.
according to the draft for comment, rural residents who purchase houses in cities can apply for registration as permanent residence in cities and towns, and enjoy the same treatment as urban residents in education, health care, medical insurance, social security and other public services, and their original land contractual management rights, original collective property rights and income distribution rights can remain unchanged.