6543810.2, this newspaper learned that xiushui county, Jiujiang City, Jiangxi Province recently issued "Several Measures on Promoting the Healthy Development and Benign Cycle of xiushui county Real Estate Industry", implementing phased housing subsidies, giving financial subsidies for transaction deed tax, and continuing to increase the county's housing provident fund to support housing purchases.
During the period from the promulgation of this policy to February 3, 20221day, all newly-built commercial houses with a construction area of less than 90 square meters will be purchased within the county of xiushui county (including Hejiadian Industrial Park in Lutang Hongyuan Driving School in the east, Zhuping Tunnel in the west, No.9 Courtyard in the south and Xintiandi and Wenquan Town in Xinhua Jiang Xiu in the north) (subject to the contract filing time). If the construction area is more than 90 square meters (including 90 square meters) to 144 square meters, a subsidy of 10000 yuan/set will be given; If the building area is more than 144 square meters (including 144 square meters), a subsidy of 12000 yuan will be given; After the purchase, the owner applies with the title certificate, and the subsidy funds are fully guaranteed by the beneficiary finance.
In the same period, those who bought new commercial housing (including residential and non-residential housing) and paid deed tax in this county before June 30, 2024, and those who bought second-hand housing and paid deed tax in this county before June 30, 2023, will be given financial subsidies according to 50% of the deed tax paid. The deed tax is levied first and then paid.
In increasing the support of the provident fund, the first is to reduce the down payment ratio of the second suite. If you apply for a housing provident fund loan for buying a second suite, the down payment ratio of the loan will be reduced from 40% to 30%. Second, for families who own/kloc-0 apartments and have settled their housing loans, if they apply for housing provident fund loans to buy ordinary commercial housing again in order to improve their living conditions, the housing provident fund loans can implement the first home loan policy. The third is to increase the maximum amount of housing provident fund loans on the premise of ensuring that there is no liquidity risk. For employee families who meet the housing provident fund loan conditions and both husband and wife have paid housing provident fund, the maximum loan amount will be raised from 350,000 yuan/household to 500,000 yuan/household; For employees' families who pay housing provident fund unilaterally, the maximum loan amount will be raised from 250,000 yuan/household to 300,000 yuan/household. The fourth is to promote flexible employees to participate in the pilot work of the housing provident fund system. We will introduce management measures for flexible employees to deposit and use housing provident fund, and support flexible employees to solve rigid housing demand and improved housing demand through housing provident fund.
Xiushui county proposed to encourage commercial banks to actively support rigid housing demand and improved housing demand according to laws and regulations while meeting the requirements of national financial policies. First, the lower limit of the interest rate of the first set of residential commercial personal housing loans is adjusted to not less than the quoted market interest rate of the same period minus 20 basis points. The second is to encourage commercial banks to adjust the interest rate of commercial housing mortgage loans in a timely manner according to market conditions and support the masses to buy houses.
In order to reduce the development cost of enterprises, xiushui county proposed that real estate enterprises can apply for deferred tax returns. If they have difficulties and can't pay taxes on time, the enterprise should apply for an extension of tax payment according to law, which shall not exceed 3 months at the longest. Adjust the taxable gross profit margin of unfinished products sold by real estate enterprises. Actively guide eligible taxpayers of real estate enterprises to enjoy the tax refund policy for the remaining tax credits at the end of the VAT period, and ensure that they enjoy tax preferences.
The fees that should be paid when the real estate projects developed in this county are submitted for construction (municipal facilities supporting fees, compensation fees for soil and water conservation, civil air defense relocation fees, water supply and drainage perimeter works and pavement repair fees, and temporary occupation of urban roads fees), real estate development enterprises can apply to the relevant departments for deferred payment, and the longest period is no more than 6 months.
In terms of improving the efficiency of the use of pre-sale funds for newly-built commercial housing, firstly, after the project sells commercial housing with the pre-sale permit, the balance of the pre-sale supervision fund account does not reach the minimum payment point, and all the pre-sale funds of commercial housing should be credited to the supervision account according to the regulations. The development enterprise can withdraw 50% of the newly-entered supervision account funds for the project construction until it reaches the cumulative minimum payment point of the supervision fund, and then withdraw and use the pre-sale supervision fund according to normal standards. Two, 2.5% of the total amount of supervision funds for pre-sale batches is reserved for the balance of supervision funds of the project supervision account that has obtained the record form of house completion acceptance, until the supervision account is revoked.
Improve the use efficiency of new property quality warranty fund. The development and construction unit shall, before going through the formalities for the acceptance and filing of new properties, handle the quality warranty payment of new properties in cash or directly allocated from the pre-sale supervision funds at one time. Staircase 13.5 yuan/m2, elevator room 16.5 yuan/m2. The development and construction unit may apply for a refund of 50% of the quality warranty money if it has been 2 years since the date of handling the acceptance and filing procedures for the new property and there is no quality warranty problem.
Xiuwen county has made it clear that the above policies will be implemented as of the date when the document is issued, and the implementation period is tentatively set at 1 year. The implementation period of house purchase subsidy and deed tax subsidy is 65438+February 3, 20221,and the deadline for subsidy declaration is 65438+February 30, 2024. Housing subsidies and deed tax subsidies can be applied at the same time. If you check out before registering the real estate, you should return the corresponding subsidies. In the meantime, in case of national and superior policy adjustment, the superior policy shall prevail.