Implement preferential fiscal and taxation policies: reduce deed tax and grant housing subsidies.
In order to encourage citizens to buy houses, attract population to cities, and expand domestic demand for housing, deed tax will be levied at a reduced rate of 1% for individuals (including buyers, spouses and minor children) who purchase the only family housing with an area of 90 square meters or less; If the area is over 90 square meters, the deed tax shall be levied at the reduced rate of 1.5%.
For individuals who purchase a second set of improved family housing with an area of 90 square meters or less, the deed tax shall be levied at a reduced rate of 1%; If the area is more than 90 square meters, the deed tax shall be levied at a reduced rate of 2%.
Qingyang plans to grant housing subsidies. Under the premise of policy permission and affordable financial resources, teachers and medical and health personnel working in towns and villages outside the urban planning area will purchase commercial housing in Xifeng District, and each household will be given a subsidy of 20,000 yuan. The departments of finance, education, health, housing and construction in cities and counties will formulate work procedures and be responsible for specific implementation; Xifeng district management, the municipal and district finance according to the proportion of 6:4 to bear the subsidy funds; The implementation of county management, the city and county finance according to the proportion of 5:5 to bear the subsidy funds.
At the same time, encourage and guide real estate development enterprises to buy commercial housing in Xifeng District for teachers and medical and health personnel working in towns and villages, and give appropriate preferential treatment.
Strengthen financial and credit support: reduce down payment and increase the amount of provident fund loans.
According to the document, the down payment ratio of households who borrow money to buy the first home will drop by 5 percentage points on the basis of the national minimum standard of 25%; For households that own 1 apartment and the corresponding housing loans are not settled, if they apply for commercial personal housing loans again to improve their living conditions and purchase commercial housing, the minimum down payment ratio shall not be less than 30%. In accordance with the relevant requirements of the People's Bank of China, we should carry out "personal credit investigation" and issue personal housing loans normally.
At the same time, the Opinions suggest that in order to strengthen the connection between banks and enterprises, commercial banks should reasonably extend the loan repayment period, renew loans or reduce financing costs, increase credit support, and ease the financial pressure of enterprises with good credit.
Qingyang City will also increase the amount of housing loans. The document shows that provident fund management departments and commercial banks should actively explore the mode of combining provident fund with commercial loans, increase the loan amount and support residents to buy houses under the premise of legal compliance and controllable risks.
Single employees applying for provident fund loans, the maximum loan amount increased from 400 thousand yuan to 500 thousand yuan; If a dual-earner family applies for provident fund loans, the maximum loan amount will be raised from 500,000 yuan to 600,000 yuan. At the same time, the preferential interest rate for families or individuals who buy houses will be raised, and commercial banks will reasonably determine the preferential interest rate according to the borrower's credit status and repayment ability.
"Unlimited purchase, unlimited price"
According to the Opinions, in order to meet the reasonable housing demand, Qingyang City will purchase ordinary commercial housing, fully implement the policy of "no limit on purchase and no limit on price", cancel the restrictions on residents' purchase of new commercial housing and household registration requirements, and implement the supply of commercial housing prices on demand. Market regulation supports residents' reasonable housing consumption demand. Actively hold commercial housing exhibition activities, encourage and guide social organizations and various enterprises to carry out group buying activities, increase housing sales and enjoy group buying concessions.
For urban low-income or poor families, priority should be given to affordable housing and public rental housing to ensure and support them.
The "Opinions" propose to change the mode of operation. Encourage and guide real estate development projects to change sales methods, innovate business models, rent and sell slow-moving and large-stock real estate at the same time, and revitalize existing housing to meet market demand. Actively explore new commercial housing, second-hand housing, rental housing and other markets, encourage and guide self-owned housing to enter the rental platform, participate in market leasing, and improve utilization efficiency.
Relax pre-sale conditions and optimize fund supervision.
The document proposes to relax the pre-sale standard of commercial housing. In order to speed up the listing of commercial housing and promote the contract sales of commercial housing, the municipal and county real estate authorities should relax the pre-sale standard of commercial housing from the current "only when the main structure of a single building of a real estate development project reaches more than 50% can you apply for the pre-sale permit of commercial housing" to "only when the main structure of a single building of a real estate development project reaches 25% can you apply for the pre-sale permit of commercial housing". Projects that have obtained pre-sale permits may not mortgage land and projects under construction, and mortgaged projects may not apply for pre-sale permits.
At the same time, Qingyang will also optimize the supervision measures for pre-sale funds. Adhere to the combination of ensuring the safety of funds and ensuring the efficiency of the use of funds, and further optimize regulatory measures. Before all real estate development projects apply for pre-sale permit, the supervision amount of pre-sale funds of commercial housing should be scientifically and reasonably determined according to the actual situation of commercial housing project cost, construction contract amount and project delivery, and the funds within the amount must be earmarked for special purposes and supervised by three parties; Funds above designated size are controlled and used by real estate development enterprises themselves; If the project has the risk of unfinished business, increase the supervision quota of pre-sale funds to ensure the smooth completion and delivery of the project.