Increase the supply of residential land and accelerate the entry of ordinary commercial housing into the market.
In terms of land market regulation, the Notice makes it clear that Changzhou will further increase the supply of ordinary residential land on the basis of the planned scale announced at the beginning of the year, establish a linkage mechanism of land price and house price, improve the efficiency of land consolidation, speed up the pace of land supply and optimize the supply structure. At the same time, urge the supply of residential projects to start and complete on time in strict accordance with the contract, and strengthen the whole process of project construction and multi-level dynamic monitoring. Strengthen the supervision of land purchase funds of real estate development enterprises, and stop implementing policies on real estate development and land transfer during the epidemic.
The notice also proposed to speed up the supply of ordinary commodity housing. Specifically, a comprehensive list of commodity housing projects will be established, and ordinary commodity housing will be accelerated according to the project nodes. Commercial housing projects need to apply for the pre-sale permit of commercial housing within 10 working days after the price is filed; If the pre-sale permit has been obtained, it shall be sold to the public at one time within 10 days. Commercial housing projects with a construction area of more than 30,000 square meters shall be developed by stages, and the pre-sale area shall not be less than 30,000 square meters each time (except for later sales), and commercial housing projects with a construction area of less than 30,000 square meters shall be subject to one-time pre-sale permit.
To curb speculative real estate speculation, the down payment for the second suite shall be no less than 60%.
Changzhou resolutely curbs speculative real estate speculation. The Notice stipulates that all newly-built commercial housing (including newly-built commercial housing and second-hand housing) in Changzhou City (excluding Jintan District) after the implementation of this notice can only be listed and traded after obtaining the immovable property certificate for 4 years. The time of new commercial housing purchase is subject to the filing time of commercial housing contract online signing.
At the same time, with the consent of the self-discipline mechanism of market interest rate pricing in Jiangsu Province, the differentiated housing credit policy in Changzhou City (excluding Jintan District) will be improved, and the minimum down payment ratio will be adjusted to not less than 60% for households that already own a house and the corresponding housing loans are not settled.
In terms of fund audit, financial supervision departments should strictly examine the source of housing funds, monitor the whereabouts of consumer loans and personal business loans, and prevent residents from misappropriating consumer loans and other loans for housing purchase.
In addition, it is necessary to strengthen the management of commodity housing prices, establish and improve the supervision and coordination mechanism of housing filing prices, and guide real estate development enterprises to reasonably determine the filing prices.
Yan Yuejin, research director of the think tank center of Yiju Research Institute, said that limiting the time to market and adjusting the down payment ratio correspond to the two measures of "restricting sales" and "restricting loans" respectively, which reflects the policy orientation of cracking down on real estate speculation. Based on the recent policy of restricting loans in various places, the down payment ratio of second homes in Wuxi has increased to 60%, and that of Shenyang has increased to 50%. Therefore, it can be considered that the down payment ratio of Changzhou is also relatively high, which helps to curb investment speculation and real estate demand.
Severely crack down on speculation on the concept of school district housing and bid up the price of second-hand housing.
In addition to the above requirements, the notice also proposes to rectify and standardize the order of the real estate market.
The circular requires that relevant departments such as development and reform, natural resources and planning, taxation, housing construction, market supervision, finance and public security should earnestly perform their duties, strengthen joint law enforcement, and severely crack down on speculation on the concept of school district housing and bid up the price of second-hand housing. For real estate development enterprises and intermediaries hoarding houses, property hoarding, fictitious prices, disguised price increases, extra-price price increases or charging other fees, and violating the system of "clear price" and clearly marked price in commodity housing sales, the price declaration and filing system is not implemented according to the provisions, and according to different situations, penalties or treatment measures such as stopping price declaration and issuing pre-sale certificates, not signing online sales, and restricting participation in land auctions are taken. Were taken separately, and their violations were included in the bad credit record and publicly exposed.
Pan Hao, a senior analyst at RealData, said that this round of policies is relatively comprehensive, with the main objectives of stabilizing the market, cracking down on speculative real estate speculation, standardizing market operations and avoiding the risks of real estate speculation. It is also the implementation of the central policy since Changzhou joined the Chamber of Commerce of the Ministry of Housing and Urban-Rural Development on August 26th. Generally speaking, stabilizing prices is still an important direction of Changzhou market regulation in the future.