Judging from the contents of the notice, this policy mainly includes five aspects, including strengthening the regulation of the land market, supporting residents' reasonable demand for self-occupation, resolutely curbing speculative real estate speculation, rectifying and standardizing the order of the real estate market, and strengthening the monitoring and analysis of the real estate market.
In resolutely curbing speculative real estate speculation, this policy is clear and improves the policy of restricting the purchase of commercial housing. If a husband and wife buy commercial housing within two years after divorce, the number of houses they own shall be calculated according to the number of houses owned by the family in the urban area of this city before divorce.
Yan Yuejin, research director of the think tank center of Yiju Research Institute, pointed out that this is the core content of this policy. According to Wuxi's existing housing purchase policy, local household registration is allowed to subscribe for two sets, and foreign household registration is allowed to subscribe for one set under the condition of social security for two years. Such policies are also aimed at preventing fraudulent purchases through fake divorce. This is also an important performance of this year's purchase restriction patching. Through such a policy, after a fake divorce, both husband and wife, whether local or foreign, will not increase their new housing qualifications.
In terms of tax control, the exemption period of individual housing transfer in cities and towns (excluding key areas for shantytown renovation) will be adjusted from 2 years to 5 years.
In addition, with the consent of the self-discipline mechanism of market interest rate pricing in Jiangsu Province, the differentiated housing credit policy in Wuxi was adjusted. For households that already own a house and the corresponding housing loan is not settled, the minimum down payment ratio is adjusted to not less than 60%.
It is worth mentioning that this policy first proposed "penetrating verification of the source of land purchase funds". The industry believes that such regulations have been mentioned less in the past few years, and this re-introduction has a very strong signal significance. In fact, after the policy of 20 16 930, there were such expressions all over the country, and there were few similar expressions in the following years. The penetrating inspection mentioned in Wuxi this time is in line with the policy orientation of the central government and Jiangsu Province, that is, the spirit of the symposium of 820 housing enterprises of the Ministry of Housing and Urban-Rural Development of the Central Bank, and the orientation of classified regulation of residential land just mentioned by Jiangsu recently, which is helpful to combat the recent land price speculation in Wuxi and is also the content that relevant housing enterprises need to pay attention to.
At the same time, we will strengthen tax inspection and market supervision on housing transactions in hot school districts, and severely crack down on speculation on the concept of housing in school districts and bid up the price of second-hand housing. During the epidemic, the pre-sale permit for commercial housing and the fund supervision and relief policy were stopped.
The following is the full text of the New Deal:
Notice of the office of the municipal government on further promoting the stable and healthy development of the real estate market in our city
First, strengthen land market management.
Increase the supply of residential land. In 2020, the transfer area of ordinary residential land will increase by not less than 50 hectares over the previous year. Establish a linkage mechanism between housing prices and land prices, effectively control land prices, and strictly implement the "limited housing prices and competitive land prices" transfer model in hot areas. Strictly implement the regulations that development enterprises use their own funds to purchase land, and the financial supervision department will conduct penetrating verification on the source of funds for land purchase.
Second, support residents' reasonable self-occupation demand.
We will improve the housing security policy system, introduce affordable housing management policies with property rights, speed up the construction of affordable housing, and meet the basic housing needs of low-and middle-income families with housing difficulties. Increase the supply of rental housing through multiple channels, carry out pilot projects for rental housing construction, and encourage the transformation of idle and inefficient commercial office buildings into rental housing. Accelerate the renovation of old residential areas and comprehensively improve the livability of old residential areas.
Third, resolutely curb speculative real estate speculation.
Improve the purchase restriction policy for commercial housing. If a husband and wife buy commercial housing within 2 years after divorce, the number of houses they own is calculated according to the number of houses owned by the family in the urban area of this city before divorce.
Give play to the role of tax regulation and control, and adjust the period of exemption from value-added tax for individual housing transfer in cities and towns (excluding key areas for shantytown renovation) from 2 years to 5 years.
With the consent of the self-discipline mechanism of market interest rate pricing in Jiangsu Province, the differentiated housing credit policy in Wuxi will be adjusted. For households that already own a house and the corresponding housing loans are not settled, if they apply for commercial personal housing loans to buy commercial housing again, the minimum down payment ratio will be adjusted to not less than 60%.
Financial supervision departments should strictly examine the sources of housing funds, monitor the whereabouts of consumer loans and personal business loans, and prevent residents from misappropriating consumer loans and other loans to purchase houses.
Fourth, rectify and standardize the real estate market order.
We will fully implement the housing price declaration system and explore the "three-in-one" verification mechanism for contract filing price, loan verification price and tax declaration price. Strengthen the tax inspection and market supervision of hot school district housing transactions, and severely crack down on speculation on the concept of school district housing and bid up the price of second-hand housing. During the epidemic, the pre-sale permit for commercial housing and the fund supervision and relief policy were stopped. We will fully implement the delivery system of standard model houses, implement classified management of basic decoration and upgrading decoration, and support the diversified needs of finished housing.
Five, strengthen the monitoring and analysis of the real estate market
Improve the real estate market monitoring system, strengthen market monitoring capacity building, establish data collection and business cooperation mechanisms for real estate transactions, real estate registration, land, finance, taxation and statistics, steadily promote the construction of real estate tables, establish information sharing mechanisms for housing transactions and real estate registration, and continuously improve the level of market analysis and judgment. The news media should objectively report the situation of the real estate market and realistically reflect the situation of the real estate market; Severely crack down on false reports and malicious speculation in accordance with the law, and put an end to acts that disrupt the market and mislead consumption.