Chongqing has included 27 new real estate policies in the economic stability policy package.

According to official website, the Chongqing Municipal People's Government, on October 3rd, the Chongqing Municipal Government Information Office held a press conference to interpret the policy of "enhancing confidence, stabilizing growth and strengthening the main body". Mi Benjia, a member of the party group and deputy director of the Chongqing Municipal Development and Reform Commission, introduced the Chongqing Economic Stability Policy Package (Third Edition) and the first batch of policy documents on "enhancing confidence, stabilizing growth and strengthening the main body".

According to reports, Chongqing Economic Stability Policy Package (Third Edition) * * * involves 11 aspects and 181 policies. Among the 181 policies, there are 63 inclusive policies, 24 industrial policies, 8 agricultural policies, 21 transportation policies, 5 cultural tourism policies, 2 catering and accommodation policies, 6 wholesale and retail policies, 9 foreign investment policies, 13 scientific and technological innovation policies, 27 real estate policies and 4 old-age care policies.

at this conference, a number of policy documents with high maturity and strong demonstration were released, including 6 documents and 91 policy measures. Except for the Notice on Further Promoting the Stable and Healthy Development of the Real Estate Market, the other five documents will be issued and implemented in the near future.

in addition to the above-mentioned policy documents, more policy documents of "boosting confidence, stabilizing growth and strengthening the main body" will be issued one after another, and the total number of these policy documents will reach about 41 items in 11 categories, mainly including investment policy, fiscal policy, financial policy, consumption policy, industrial policy, scientific and technological innovation policy, digital reform policy, market main body policy, opening-up policy, risk prevention and resolution policy, people's livelihood policy and so on.

According to China News Network, Mi Benjia introduced that there are still 41 policy documents in the real estate field, which will be studied and promulgated later.

The following are 27 real estate policies in Chongqing's economic stabilization policy package:

1. Support new citizens and talents to live in peace. Eligible new citizens who buy the first ordinary house in our city can enjoy the same personal housing loan policy as local residents. Support the talents in Chongqing recognized by the competent department of talents in our city or the introduction department, and enjoy the same treatment as local residents in terms of housing, settlement, medical care and children's education.

Policy basis: Notice of the General Office of the Municipal Government on Printing and Distributing Several Measures for Promoting the Benign Cycle and Healthy Development of the Real Estate Industry in Chongqing (Y.F.F. [2122] No.65)

Execution period: No

Responsible unit: Chongqing Banking Insurance Regulatory Bureau, Municipal Human Resources and Social Security Bureau

Tel: 12378 (loan), 12333 (talent) The Chongqing Management Department of the People's Bank of China, together with the Chongqing Banking Insurance Regulatory Bureau, guided and improved the self-discipline mechanism of market interest rate pricing in Chongqing, adjusted the city's differentiated housing credit policy, adjusted the lower limit of the interest rate of the first set of commercial personal housing loans to be no less than the quoted rate in the loan market for the corresponding period, and adjusted the lower limit of the interest rate of the first set of commercial personal housing loans for households to buy ordinary self-occupied houses to be no less than the quoted rate in the loan market for the corresponding period minus 21 basis points. The lower limit of the interest rate of commercial individual housing loans for two sets of housing is adjusted to not less than the quoted interest rate of the loan market for the corresponding period plus 61 basis points.

Execution period: no

Responsible unit: Chongqing Management Department of the People's Bank of China

Tel: 12363

3. Improve the real estate credit service. Banking financial institutions should accurately grasp and implement the prudent management policy of real estate finance, maintain the smooth and orderly delivery of real estate development loans, and meet the reasonable financing needs of the real estate market. Encourage banking financial institutions to do a good job in financial support and services for mergers and acquisitions of key real estate enterprise risk disposal projects, and temporarily exclude M&A loans for mergers and acquisitions of dangerous and difficult real estate enterprise projects from the management of real estate loan concentration. Encourage and support commercial banks to increase their support for commercial housing mortgage loans.

Execution period: long-term

Responsible unit: Chongqing Banking Insurance Regulatory Bureau

Tel: 12378

4. Optimize the housing provident fund loan policy. Give priority to the first set of housing loans, and pay the employees' families to buy the first set of housing. The minimum down payment ratio is not less than 21%; Reasonable support for improved housing loans, the minimum down payment ratio is not less than 31% for employees' families to buy a second house, and the down payment ratio for families with many children is not less than 25%; Accepting the application for transferring the commercial personal housing loan to the housing provident fund personal housing loan (replacement loan) for purchasing the first set of housing; Deepen the "mutual recognition and mutual loan" of Sichuan-Chongqing housing provident fund, and employees who have paid Sichuan housing provident fund will apply for housing provident fund loans in our city to enjoy the same city treatment. Support flexible employees to buy houses, and eligible families with flexible employees can apply for housing provident fund loans when buying a second house.

Policy basis: Notice of the Municipal Housing Provident Fund Management Center on Adjusting the Relevant Policies of Individual Housing Loan of Housing Provident Fund (Y.F.F. [2122] No.96)

Execution period: No

Responsible unit: Municipal Housing Provident Fund Management Center

Tel: 12329

5. Increase the amount of housing provident fund loans. The maximum amount of personal loans for employees is 511,111 yuan, and the maximum amount of loans for families with husband and wife participating in loans is 1 million yuan; The maximum loan amount for families with many children is 611,111 yuan, and the maximum loan amount for families with husband and wife participating in the loan is 1.2 million yuan. Support the issuance of provident fund discount loans and ensure the supply of loan funds.

Policy basis: Notice of the Municipal Housing Provident Fund Management Center on Adjusting the Relevant Policies of Individual Housing Loan of Housing Provident Fund (YGF [2122] No.96)

Execution period: No

Responsible unit: Municipal Housing Provident Fund Management Center

Tel: 12329

6. Defining the housing identification standard of provident fund loans. Workers' families purchase new houses, and implement "recognizing houses and loans". In terms of "recognition of housing", newly purchased housing in the central city, housing outside the central city is not included in the scope of housing number verification; Newly purchased housing in districts and counties outside the central city, the city's housing is included in the scope of housing number verification. In terms of "loan recognition", only the housing provident fund loan records are included in the scope of verification.

Policy basis: Notice of the Municipal Housing Provident Fund Management Center on Adjusting the Relevant Policies of Individual Housing Loan of Housing Provident Fund (Y.F.F. [2122] No.96)

Execution period: No

Responsible unit: Municipal Housing Provident Fund Management Center

Tel: 12329

7. Implement differentiated real estate tax policies. If a family newly purchases a house and transfers its only original house before handling the property right certificate, it will enjoy the preferential deed tax policy according to the first house; If the family still has 1 sets of housing, the newly purchased housing will enjoy the preferential deed tax policy according to the second set of housing. If the land and houses are expropriated and requisitioned by the people's governments at or above the county level, and the ownership of the land and houses is re-accepted, and monetary compensation is selected, the transaction price does not exceed the monetary compensation, and the deed tax shall be exempted; Monetary compensation obtained by signing an agreement on expropriation compensation and according to relevant government standards shall be exempted from personal income tax; If the house property right exchange or land use right exchange is selected, the deed tax shall be exempted if the price difference is not paid, and the deed tax shall be levied only on the price difference.

Execution period: no

Responsible unit: Chongqing Taxation Bureau

Tel: 12366

8. Improve the construction of supporting facilities for real estate projects. For projects that have not yet sold land, local governments and land consolidation and reserve institutions should speed up the construction of supporting facilities around the land to achieve "net land" transfer; For projects that have been supplied with land but have not yet been developed and constructed, the local government and land consolidation and reserve institutions should complete supporting facilities before or in synchronization with the project; For the projects that have been provided with land and have been developed and constructed, the local government and land consolidation and reserve institutions should complete the construction of supporting facilities within a limited time before the project is handed over.

Execution period: no

Responsible unit: Municipal Planning and Natural Resources Bureau

Tel: 12345, 123—63878281

. For depositors and their spouses who have no self-owned housing and rent housing within the administrative area of our city, support the withdrawal of housing provident fund on demand to pay rent, and implement monthly withdrawal of rental housing to better meet the actual needs of depositors to pay rent. For public rental housing, it can be extracted according to the actual rent expenditure; For the rental of commercial housing and affordable rental housing, the withdrawal amount of rental housing will be appropriately increased, and the maximum withdrawal amount per depositor in the central city will be raised to 1,511 yuan/month, and both husband and wife will be raised to 3,111 yuan/month; The maximum withdrawal amount of depositors in other districts and counties will be raised to 1,211 yuan/month, and both husband and wife will be raised to 2,411 yuan/month.

Policy basis: Notice on Implementing Phased Support Policy for Housing Provident Fund (Yu Jian Zhu Bao [2122] No.46) issued by the Municipal Housing and Urban-Rural Construction Committee and other three departments

Implementation period: long-term

Responsible unit: Municipal Housing Provident Fund Management Center

Tel: 12329

11. Support to revitalize existing land for affordable rental housing projects. The land that enterprises and institutions have obtained the right to use according to law, with the consent of the people's government with the right of approval, is allowed to be used for the construction of affordable rental housing on the premise of conforming to the planning, unchanged ownership, meeting safety requirements and respecting the wishes of the masses, and the land use is changed without paying the land price.

Policy basis: Opinions of the State Council General Office on Accelerating the Development of Affordable Rental Housing (Guo Ban Fa [2121] No.22)

Implementation period: long term

Responsible units: Municipal Housing and Urban-Rural Construction Committee and Municipal Planning and Natural Resources Bureau

Tel: 12345

11. Support the financing of real estate enterprises. Guide financial institutions to distinguish the risks of real estate projects from those of enterprise groups, and maintain the smooth and orderly delivery of real estate development loans. According to the industry integrity evaluation and project operation, timely release the white list of real estate enterprises, and support financial institutions to provide medium and long-term loans. All commercial banks are encouraged to explore closed financing pilot projects for real estate projects, implement closed management of funds, and give preferential policies such as reducing loan interest rates and extending loan term under the premise of legal compliance and risk control. Support high-quality real estate enterprises to issue bonds for financing, and coordinate and promote real estate enterprises with overall financial health and short-term difficulties to issue bonds through credit enhancement; Support equity financing of local listed real estate enterprises.

Policy basis: Notice on Further Promoting the Stable and Healthy Development of the Real Estate Market (Yujian [2122] No.38) issued by the Municipal Housing and Urban-Rural Construction Committee and other five departments

Implementation period: till February 31, 2123

Responsible units: Chongqing Banking Insurance Regulatory Bureau, Chongqing Management Department of the People's Bank of China, Municipal Housing and Urban-Rural Construction Committee and Municipal Financial Supervision Bureau

Tel: 111. Support the reasonable extension of stock financing such as development loans and trust loans. Encourage financial institutions and real estate enterprises to independently negotiate the extension of stock financing under the premise of ensuring the security of creditor's rights and following the principle of voluntary business compliance according to law. From October 11, 2122, the real estate financing due in the next six months can be extended for another 1 years on the basis of the original provisions. If the due loan has been extended, it shall be extended again in accordance with the relevant documents. Support financial institutions to adjust the term, repayment plan and interest-bearing period of real estate loans according to laws and regulations by adjusting repayment plans.

Implementation period: May 11, 2123

Responsible units: Chongqing Banking Insurance Regulatory Bureau and Municipal Financial Supervision Bureau

Tel: 12363, 12378 and 111. Increase support for the financing of existing assets. Support financial institutions to upgrade commercial stock assets, first approve the total amount of loans, and then issue loans according to the progress of upgrading.

Execution period: No

Responsible units: Municipal Housing and Urban-Rural Construction Committee, Chongqing Banking Insurance Regulatory Bureau, Chongqing Banking Management Department of the People's Bank of China, and Municipal Financial Supervision Bureau

Tel: 12363, 1233. Stabilize the credit supply of construction enterprises. On the basis of controllable risks and sustainable business, financial institutions are encouraged to optimize credit services for construction enterprises and maintain continuous and stable financing for construction enterprises. Support the pledge of accounts receivable of construction enterprises to increase credit, but it shall not be used to fund the projects of real estate enterprises. We will continue to provide credit support to construction enterprises that have been in good sustainable operation and have been affected by passive litigation due to real estate enterprises in danger.

Implementation period: till February 31, 2123

Tel: 111. Support the reasonable credit demand of leasing enterprises and brokerage institutions. Increase financial support for housing leasing enterprises and brokerage institutions, and encourage financial institutions to optimize credit policies for qualified enterprises to meet the capital needs of enterprises.

Implementation period: till February 31, 2123

Tel: 111. Optimize the identification of commercial loan housing units. If residents buy new houses in districts and counties outside the central city, individual housing commercial loans will only include the houses in the districts and counties where they are located in the verification scope. Residents will revitalize the stock of housing as affordable rental housing and long-term rental housing, the housing lease contract has been filed, and the guarantee of affordable rental housing or long-term rental commitment has been obtained, which may not be included in the calculation of family housing units; In principle, a family can only subtract one set.

Execution period: no

Responsible unit: Municipal Housing and Urban-Rural Construction Committee and Chongqing Management Department of the People's Bank of China

Tel: 12345, 12363

17. Support the demand for rigid housing loans. Non-local residents living and working in Chongqing who buy their first home in our city enjoy the same personal housing loan policy as local residents. Supporting the Shuangcheng Economic Circle in Chengdu-Chongqing Region

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