The people's governments of counties and districts, all working departments of the municipal government, and institutions directly under the government:
In order to conscientiously implement the policies and measures of China and the province on stabilizing the consumption of housing, and to promote the stable and healthy development of the city's real estate market, now combined with the actual situation in Ankang, we put forward the following opinions:
One, comprehensively implement the various real estate preferential policies of the Chinese and the provincial government
(a) Increase real estate credit effective input. Actively explore syndicated loans, financial leasing, pooled trust, construction in progress mortgage and other credit business, and promote real estate credit product innovation and guarantee innovation. Residents using commercial loans to buy the first suite down payment ratio reduced to 30%, has paid off the first suite loan to buy the second suite down payment ratio reduced to 30%, has not paid off the first suite loan to buy the second suite down payment ratio reduced to 40%; residents to use the housing provident fund entrusted loans to buy the first suite down payment ratio reduced to 20%. Specific down payment ratio and interest rate level by financial institutions according to the borrower's credit status and repayment ability and other reasonable determination.
(ii) the implementation of sales tax reduction and exemption policy. If an individual purchases a housing unit less than 2 years old and sells it externally, the full amount of business tax will be levied; if an individual purchases a non-ordinary housing unit more than 2 years old (including 2 years old) and sells it externally, business tax will be levied in accordance with the difference between the sales revenue minus the price of the housing unit purchased; if an individual purchases an ordinary housing unit more than 2 years old (including 2 years old) and sells it externally, the business tax will be exempted.
(3) Reduce the tax burden of housing transactions. Individuals buying and selling housing are temporarily exempted from stamp duty and land value-added tax. For the purchase of commercial housing and belonging to the family's only housing, 91-144 square meters, the deed tax is reduced by half, and the deed tax is levied at a rate of 1% for 90 square meters or less.
(4) Strictly implement the national policy of fee reduction. The administrative fees that were canceled by order of China and the provinces, the relevant departments should strictly implement, and should not be charged in disguise, the power supply and other departments involved in the construction of electric power support costs should be charged from the low.
Two, further clarify the supporting policies to support the development of the real estate industry
(E) to increase corporate policy support. For development enterprises with operational difficulties, the basic medical, unemployment, work injury and maternity insurance premium rates for urban workers other than pension insurance can be reduced in stages. After purchasing a commercial property, the buyer can apply for enrollment in the nearest school district to which the commercial property belongs with the purchase contract. Developing enterprises can charge half of the intermediary fees such as insurance premiums and appraisal fees for renewal of loans in respect of property involved in the handling of credit business. Accelerating the pace of the intermediary institutions involved in the dependence on party and government organs and institutions of the delinking and restructuring, and gradually pushed to the market.
(F) allows the adjustment of the development of housing units. Cancel the restrictions on the proportion of sets of commercial housing development projects, without changing the nature of the land and plot ratio and other necessary planning conditions, allowing the development of enterprises to adjust the housing type does not meet market demand.
(VII) the implementation of construction cost deferral policy. Real estate development projects that started construction in the year, involving various departments of the construction costs can be divided into two payments, that is, 50% of the construction permit for the project, and the remaining 50% in the pre-sale of commercial properties for the permit to pay off at once.
(viii) Implementation of liberal land policies. On the existing basis, the amount of the bidding deposit will be reduced to 20% of the minimum price of the land sale. Allow the recruitment, auction and listing of land for payment in installments, for the validity of this document, through the recruitment, auction and listing of land use rights of the land, according to the procedures for the signing of the land use rights transfer contract, the bidder can be signed within 1 month after the contract to pay 50% of the transfer price, and the balance of the amount can be agreed in accordance with the contract of the transfer of the transfer of the agreement to be paid off in one year in installments.
(ix) relaxation of provident fund loan conditions. Increase the maximum limit of housing provident fund loans to 500,000 yuan, and extend the loan period to 30 years, which can be extended for 5 years after the legal retirement age; when individuals purchase their own homes, they are allowed to withdraw the housing provident fund of their immediate family members (including parents and children) to pay for the purchase of the house; allow contributing employees to withdraw the housing provident fund for the rent and related expenses incurred in the management of the property; and encourage the banking and financial institutions to continue to issue combination loans of commercial personal housing loans and housing fund entrusted loans to support the purchase of ordinary housing by residential families.
Three, control and digestion of the existing scale of construction of guaranteed housing
(J) to open up the "four houses" conversion channels. Establishment of sheltered housing, shantytown transformation, southern Shaanxi migrant relocation and commercial housing "four houses" conversion mechanism, combined with shantytown transformation monetized resettlement policy, allowing the acquisition of sheltered housing, vacant commercial housing as shantytown transformation resettlement housing, allowing southern Shaanxi migrant relocation and sheltered housing, vacant commercial housing docking, through the formation of linked conversion mechanism, integration of housing resources, to solve the problem of commercial housing inventory.
(xi) compression and digestion of the scale of construction of guaranteed housing. In the future, in addition to independent industrial and mining areas, the central city will no longer approve new price-restricted commercial housing and affordable housing projects, the government will no longer directly organize the construction of public rental housing. For has been approved and started construction of guaranteed housing projects, in the realization of the full coverage of the guaranteed object, the remaining housing stock in the accounts and make up the relevant taxes and fees on the basis of the transition to commercial housing for sale.
(xii) Adjustment of the policy of public rental housing construction by enterprises. First, the allocation of public rental housing area calculation base from the total area of the development of the total area adjusted to the development of the total area; allocation of public rental housing ratio from 5% down to 2.5%; eligible for resettlement of relocation area can be offset against the task of allocation; can not be allocated to the public rental housing need to pay offsite construction compensation fee ratio from 10% down to 5%. Secondly, when the planning department issues planning and design conditions for commercial residential land, it should strictly follow the ratio of 2.5% to state that public rental housing is to be built on behalf of the developer; when the land department handles the procedures for the granting of land for commercial residential use, it must strictly follow the planned use of the land to be granted, and the public rental housing agreed in the planning and design conditions should be included in the land grant contract, and the part of the land used for the construction of public rental housing on behalf of the developer is allocated; when the planning department handles planning and approval procedures for the development project, it must require that the developer should be required to build a public rental housing project on behalf of the developer. Planning department in the development project planning approval procedures, must require the development of enterprises synchronized design on behalf of public rental housing, and in the planning permission, indicating the public rental housing construction scale and location. Thirdly, the part of the construction land for enterprises to build on behalf of the implementation of the allocated price, the administrative fees involved will be reduced or waived. Fourth, for the past due to the land and design and other gatekeeping not in place caused by the current generation of construction tasks can not be implemented, upon application by the enterprise, can be built off-site. Fifth, for not enjoying the land allocation and tax exemption policies, should be built off-site but not implemented on behalf of the task of construction, upon application by the enterprise, according to the prescribed standard of 50% of the proportion of off-site construction costs. Sixth, on behalf of the new development projects, by the housing security sector to compile project information for the provincial investment subsidies, its investment at cost to calculate the proportion of funding, property rights for the government and the enterprise **** there.
Four, effectively improve the external environment for the development of the real estate industry
(xiii) efforts to solve the problem of supporting infrastructure. Priority arrangements for commercial housing development community outside the water, electricity, roads, gas, communications and other supporting construction projects. In line with the principle of public **** supporting service facilities priority, through the government organization and guidance, a reasonable allocation of hospitals, schools, fitness, catering, garages, supermarkets and other service facilities. The water supply, power supply, gas supply and public **** service facilities of the newly built neighborhoods are meter-reading to households. Water supply, power supply, gas supply and other enterprises in small areas to implement the construction, to be open and transparent, reasonable cost, optimize services, and crack down on industry monopoly.
(xiv) effectively solve the demolition and relocation of difficult to hand over the land and other issues. In the past, the land grant involved in housing demolition, relocation of graves, forest seedlings compensation, etc., by the land, unification and other relevant departments to do the relevant follow-up work, to ensure the smooth implementation of the land enterprise engineering and construction.
(xv) support the optimization and restructuring of real estate enterprises. Guide the credit strength and brand advantage of real estate companies, through mergers, acquisitions, reorganization and other ways to form a competitive large enterprises and enterprise groups. Development projects with transfer conditions, allowing enterprises to invest, shareholding or transfer of cooperation, encourage the implementation of large-scale development and group operation mode, support enterprises to carry out cross-regional, diversified and brand management.
(16) to promote real estate enterprises to optimize the industrial structure. Encourage and guide real estate development enterprises to the national main functional areas within the scope of the construction of tourism, pension, commercial and other areas to expand, increase the share of the real estate market. Through the government-led, market-operated model, to guide the development of enterprises to participate in shantytown renovation and municipal facilities project construction.
(xvii) Strict restrictions on disguised real estate development. Strictly control the approval of private housing construction, strictly prohibit and investigate and deal with private non-self-occupied housing construction, unqualified development and small property rights and other violations of real estate development, to create a fair, open and just market competition environment for enterprises.
V. Strengthen guidance services to promote the healthy and steady development of the real estate market
(XVIII) to strengthen the supervision and management of the real estate market. Give full play to the real estate association's industry self-discipline, guide and cultivate the integrity of business. Further strengthen the supervision of the real estate market, maintain the order of the real estate market, planning, construction, industry and commerce, prices and other departments to strengthen the real estate market daily law enforcement inspections, in accordance with the law to strictly investigate and deal with all kinds of violations of the law. There are violations of the real estate business, increase exposure and punishment, the circumstances are particularly serious, according to law, cancel the qualification of real estate development.
(19) Strengthen departmental collaboration and services. Strengthen the development and reform, finance, land, unification, planning, housing, taxation, finance and other departments of information communication and collaboration, the establishment of real estate joint conference system, timely study and resolution of contradictions and problems in real estate management. Based on the daily information system of commercial housing and stock of real estate, it strengthens the analysis and research on the operation and development trend of the real estate market, and regularly announces the situation of land supply, housing supply and changes in house prices. It has carefully sorted out real estate projects, land supply, planning permits, construction permits, pre-sale permits, completion and acceptance, property rights registration, etc., simplified procedures, shortened the timeframe for examination and approval, and strictly enforced the system for examination and approval and time-limited completion of service matters. Fire, human defense, power supply, gas supply, water supply, meteorology, communications and other departments to effectively open up green channels for real estate projects.
(xx) adhere to the correct orientation of public opinion. Correct interpretation of the current policies to promote the stable and healthy development of the real estate market, and actively create a favorable atmosphere conducive to the development of the real estate industry, to stabilize the real estate market expectations, boosting confidence in the real estate market, and guide real estate enterprises to rationally set the price of housing, price for volume, concessions and promotions, prompting a rational return to the price of commercial housing and a rapid rebound in the sales market.
This opinion is effective for two years from the date of issuance. Municipal government previously issued the relevant provisions of this opinion is inconsistent with this opinion shall prevail. Laws and regulations, Chinese and provincial policies have different provisions, from its provisions. Development and reform at all levels, finance, planning, housing, land, unification, taxation, fire, finance, power supply, water supply, communications, meteorology and other departments can be based on the views of the development and introduction of specific policies and measures of their own departments.
People's Government of Ankang City
August 6