The Opinions put forward 18 specific policies from six aspects: resuming work and production, reducing burdens for enterprises, credit support, housing provident fund services, epidemic prevention support, and preventing legal disputes, so as to implement the stable and healthy development of the real estate market, prevent and resolve risks in the real estate market, and achieve the goals of stabilizing land prices, housing prices and expectations.
First, in the case of ensuring the prevention and control of the epidemic, support the housing enterprises to resume work and production by county. During the first-level response period of epidemic prevention and control, the government service of "no meeting" was implemented, and services such as online housing fair, online signing and filing, real estate mortgage registration appointment processing, online processing and online project approval were carried out. All projects that implement the filing system are filed online through the online approval and supervision platform for investment projects in Henan Province.
Among them, if the real estate project that has obtained the construction permit affects the construction due to the epidemic situation, the original image schedule requirement is adjusted to be calculated according to the investment amount when applying for pre-sale, and the pre-sale permit can be applied if the investment amount of the pre-sale part reaches more than 25%.
The second is to reduce the burden on enterprises. For real estate enterprises with serious difficulties affected by the epidemic, the longest tax delay shall not exceed 3 months; Those who meet the conditions for difficulty relief may apply for relief of property tax and urban land use tax; With the consent of the competent tax authorities, the land value-added tax withholding rate of real estate development projects in 2020 can be appropriately reduced. For property service enterprises that actively participate in epidemic prevention, municipal and county finance can introduce financial subsidy policies in light of the actual situation.
Among them, the bid bond can be determined at 20% of the initial price for the newly transferred land, and 50% of the land transfer price can be paid within one month after the signing of the transfer contract, and the balance can be applied for deferred payment, with the longest not exceeding 1 year. If it is impossible to sign the Confirmation of Transaction or the Transfer Contract on schedule due to the epidemic situation, the bidder may apply for an extension of signing. For real estate projects affected by the epidemic, enterprises may apply to the local government for deferring the supporting fees for urban infrastructure for a maximum of 6 months, and settle them before the completion and acceptance.
The third is to increase credit support in stages. For real estate enterprises with good qualifications and operating in good faith, but seriously affected by the epidemic situation and experiencing temporary difficulties in operation, loans shall not be withdrawn, cut off or pressed at will during the epidemic prevention and control period, and loans for real estate development shall be extended appropriately. Loans that expire before June 30, 2020 and have a loan term of less than 1 year may be extended, and credit records shall be submitted according to the adjusted repayment arrangements.
For buyers who meet the conditions of mortgage loans, we should make full use of loans; As soon as possible, the personal housing mortgage commercial loan that has completed the examination and approval procedures will be issued.
Fourth, improve the efficiency of housing provident fund service, advocate online personal housing provident fund loan business, and make an appointment and handle it at the wrong peak; Due to the epidemic situation, if the housing provident fund is not paid in full and on time, it can be paid back within a certain period of time, and it will be regarded as continuous normal deposit after payment, which will not affect the employees' application for loans; If the housing provident fund loan is not repaid in time, the repayment period can be reasonably delayed, and no penalty interest will be charged, and it will not be submitted to the credit reporting department as an overdue record.
Fifth, strengthen epidemic prevention and control, do a good job in material support for epidemic prevention and control, and further improve the procedures or work manuals for enterprises to resume work.
The sixth is to prevent legal disputes. If the transfer of land is delayed due to the epidemic, and the real estate project cannot be started and completed on schedule, the opening and completion time will be postponed accordingly. For real estate development projects that cannot be completed, accepted and delivered on schedule or registered for the first time on schedule due to epidemic situation and other reasons, the relevant period shall be extended in accordance with state regulations, and the liability for breach of contract shall not be calculated during the extended period. The construction unit shall not ask the construction unit to speed up the progress of the project on the grounds of catching up with the construction period, not delivering according to the time agreed in the original contract or defaulting on the deduction.
In addition, other support policies involving enterprise operating costs, financial support, financial subsidies, stable employment, etc. shall be implemented in accordance with the relevant regulations promulgated by the state, provincial party committees, provincial governments and localities.
According to the previous report of Viewpoint Real Estate New Media, on February 13, the People's Government of Henan Province issued 20 specific measures for the stable development of small and medium-sized enterprises, involving increasing financial+fiscal and taxation+employment security support and rent reduction.