At 0: 00 a.m. on July 25th, the Housing and Urban-Rural Development Bureau of Dongguan City, Guangdong Province jointly 1 1 issued the Notice on Further Promoting the Stable and Healthy Development of the Real Estate Market in our city, and issued nine new control policies, including: adjusting the policy of restricting the purchase of commercial housing, purchasing the first set of commercial housing (new commercial housing or second-hand commercial housing, the same below) for non-registered households in this city, and providing the second set of commercial housing for 65,433 consecutive years.
Dongguan Housing and Construction Bureau pointed out that after the release of the New Deal, it aroused widespread concern in society. In recent years, some citizens and the media have called and sent letters to departments such as housing construction and real estate registration for consultation and verification, and suggested that relevant departments further clarify the determination of some policy implementation standards. In order to respond to social concerns and ensure the smooth implementation of relevant policies, the Municipal Housing and Construction Bureau and the Municipal Real Estate Registration Center quickly sorted out * * *, typical and hot issues and answered them one by one.
First, the "7.25" New Deal did not mention the housing purchase policy of registered residents. Is it still implemented according to the original policy?
However, the housing purchase policy of registered households in this city is still implemented according to the Notice of the Office of Dongguan Municipal People's Government on Further Perfecting the Housing Purchase Restriction Policy in our city (Dongfuban [2017] No.46), that is, if registered households in this city own two or more houses in this city, they will continue to suspend the sale of new commercial housing to them.
2. Non-local residents with full-time bachelor degree or above or junior professional title who have paid social insurance for half a year before July 25th can still purchase the first commercial housing according to the original policy?
Of course. Non-local registered residents with full-time bachelor degree or above or junior professional title can still purchase the first set of new commercial housing according to the original policy if they can provide the labor contract of the city's work unit and the social insurance certificate for more than half a year every month before July 25, 2020. Non-local registered residents who meet the above conditions are allowed to complete the online signing of relevant new commercial housing sales contracts before August 3, 20201,and they will not be recognized for purchasing houses after the deadline. In addition to the above circumstances, from July 25, 2020, people with full-time undergraduate degree or above or junior titles who are not registered in this city will purchase houses in this city, according to the provisions of Dong Jian [2020] No.7 document.
Third, the New Deal stipulates that the personal income tax payment certificate will no longer be used as the qualification examination material for purchasing houses. In order to make a good connection with the original policy, non-local households who have paid taxes continuously for one year or two before the implementation date of this notice can still purchase the first or second set of commercial housing according to the original policy. How to identify it specifically?
Non-local households who have paid personal income tax continuously for one year or two before July 25, 2020 can still purchase the first or second set of new commercial housing according to the original policy. Non-local registered residents who meet the above conditions are allowed to complete the online signing of relevant new commercial housing sales contracts before August 3, 20201,and they will not be recognized for purchasing houses after the deadline.
I bought a second-hand house in a town in Dongguan in May this year, and I have paid the down payment and the down payment to the owner. I also signed an agency contract with the agency and paid the agency fee. However, due to various reasons, I have not gone through the online signing procedures before the introduction of the New Deal. According to the requirements of the New Deal, I am not qualified to buy a house, but considering that I have already transferred, can I continue to complete the transaction according to the original policy?
Considering that before the implementation of Dong Jian [2020] No.7 Document (that is, before 0: 00 on July 25th, 2020), some non-local residents bought second-hand commercial houses in our city, signed intermediary contracts for real estate sales, paid down payment or deposit to the seller (referring to the owner of the house, the same below) and paid intermediary service fees to the intermediary agencies, but for various reasons (including the impact of the epidemic), they did not formally sign contracts online and handle the transfer. The actual situation that the online signing cannot be completed after 0: 00 on July 25, 2020 due to policy adjustment. In order to properly solve this problem and minimize transaction disputes, if these buyers can provide the Real Estate Agency Contract signed with the seller and real estate agency before 0: 00 on July 25, 2020 (written agreement or contract signed by both parties), the seller's own deposit or down payment voucher (limited to non-cash payment methods such as bank counter transfer and online banking transfer between the buyer and the seller, and provide transfer vouchers or running water with bank seals), After inspection and verification by the bank or financial supervision department, notify the execution department of purchase restriction, and allow it to continue to sign the real estate sales contract and handle the transfer formalities before June 65438+1October 3 1 2020. The following conditions are not recognized: 1. For the deposit or down payment paid in cash; 2. Transfer from the non-buyer account to the seller's account; 3. Transfer from the account of the buyer to the account of the non-seller; 4. The second-hand commodity housing sold by the seller does not meet the conditions for transaction and transfer.
5. For newly-built commercial housing or second-hand commercial housing that has completed the online signing before July 25, 2020 but has not obtained the certificate of immovable property rights, is the transfer period limited to 2 years or 3 years?
On the issue of restricted transfer (restricted sale), there are three situations:1.2065438+the requirement of indefinite transfer period for newly-built commercial housing or second-hand commercial housing that has completed online signing before 0: 00/1April 2007; 2.2065438+Newly-built commercial housing or second-hand commercial housing that has been signed online from 0: 00 to 24: 00 on July 24, 2020 can only be traded and transferred after two years of obtaining the immovable property certificate; 3. Newly-built commercial housing or second-hand commercial housing signed online after 0: 00 on July 25, 2020 can only be traded and transferred after obtaining the certificate of immovable property for three years.
The intransitive verb defines the time when the transfer of second-hand commodity housing is restricted. A real estate sales contract may have three dates, one is the printing date of the contract, the other is the signing date of the buyer and the seller, and the third is the date on the code generated on the front page of the contract. Which date shall prevail?
The online signing date of second-hand commodity housing shall prevail, that is, the date when the code is generated on the first page of the contract (the online signing date is displayed in front of the online signing contract number of second-hand housing).
7. Before July 25th, 2020, I signed a second-hand house online signing contract with the owner, but when filing at the real estate registration window, I found that the contents of the contract needed to be corrected. What should I do?
The second-hand commodity housing sales contract signed before 0: 00 on July 25, 2020, if the names and certificate numbers of both parties to the transaction are wrong, cannot be used for transaction transfer. If the online signing date is changed due to re-signing the contract on the online signing contract system, the time of purchase restriction and transfer restriction policy shall be determined based on the changed online signing date. If other contents need to be modified after the online signing, in order not to affect the buyer's qualification to purchase houses, the buyer and the seller can supplement the agreement to modify it by themselves.
8. If the registration date of the certificate of immovable property rights is changed due to inheritance, divorce, property analysis, etc., or the ownership has not been transferred due to change, correction, replacement of the certificate, etc., which date shall prevail?
The date of issuance of the previous certificate of immovable property rights shall prevail. That is, the date of registration of real estate rights when the last transaction was transferred.
Nine, the "7.25" New Deal also restricted the purchase of second-hand houses. What are the precautions for non-registered residents to buy second-hand houses in Dongguan?
According to Dong Jian [2020] No.7 document, since July 25, 2020, non-local residents must provide social security certificates when purchasing second-hand commercial houses in this city. Before purchasing second-hand commercial housing in this city, residents who are not registered in this city should go to the real estate registration department of this city to apply for the proof of housing purchase restriction (search), otherwise they will not be able to sign online in the online signing system of stock houses. Therefore, before you confirm whether you are qualified to buy a house, please don't rashly pay the down payment, down payment and sign a written agreement such as an agency contract, so as to avoid transaction risks and unnecessary losses.
X. What are the restrictions on the transfer of donated houses?
According to the Notice of the Office of Dongguan Municipal People's Government on Further Perfecting the Housing Purchase Restriction Policy in our city (Dongfuban [2017] No.46), after the commercial house is transferred by gift, the donor cannot buy the commercial house again for two years; Those who accept gifts must comply with the current purchase restriction policy of this Municipality. After the implementation of Dong Jian Document No.7 [2020], the above provisions will continue to be implemented. If the two parties are immediate family members, the donee may be exempted from the social security payment requirements, but it must meet the requirements of the current housing purchase restriction policy of this Municipality, and the transferred commercial house must obtain the immovable property certificate for three years before it can be traded and transferred.
Eleven, the court auction house (auction house), affected by the "7.25" New Deal purchase restriction policy?
Not affected. After July 25th, 2020, non-local residents can purchase commercial housing through judicial auction, which is not restricted by Dong Jian [2020] No.7 commercial housing purchase restriction policy, but is also restricted by the current commercial housing transfer in this city, that is, they must obtain the real estate ownership certificate for three years before they can trade and transfer.
12. Employees who have paid housing provident fund in cities in other provinces or provinces are all non-registered. Can they apply for housing provident fund loans when they buy a house in Dongguan?
You can't. Since July 25, 2020, employees who have paid housing provident fund in different places must apply for housing provident fund loans in our city, and the employees themselves or their spouses must be registered in this city.
Thirteen. On June 20 17, I bought a new commercial house online, and in March 20 19, I got the certificate of immovable property right. Now an agent asks me if I want to sell a house. Could you ask the agent to play the disc for me now?
You can't. Judging from your situation, the house you bought is restricted by the "certificate can only be transferred after 2 years", and the transaction can only be transferred in March of 202 1 year. At present, it does not meet the transaction transfer conditions, and real estate intermediaries should not provide brokerage services for such houses. It is suggested that you wait for the house to reach the transaction transfer conditions before putting it on the market to avoid possible transaction risks. For intermediaries to provide brokerage services for houses that do not meet the transaction and transfer conditions, it is recommended that citizens complain to the local town street (park) housing management office.
14. I am entrusting an intermediary to sell the house, hoping to get a transaction price of about 2.8 million. Now the intermediary has contacted a buyer for me, and he promised me 2.8 million yuan, but asked me to sign a contract with him for 4.2 million yuan, so that he could apply for more bank loans. Is it risky for me to do so?
Dong Jian [2020] No.7 document clearly stated that the behavior of "high evaluation and high loan" should be severely cracked down, and the evaluation institutions and financial institutions involved in "high evaluation and high loan" should be held accountable according to the law and regulations. In the second-hand housing transaction, the seller (the owner of the house) signs a contract with the buyer at a false price that exceeds the actual transaction price. According to the actual behavior, which constitutes a crime, criminal responsibility shall be investigated.
15. Recently, the price of second-hand houses in some residential areas in Dongguan has been soaring, and some owners have publicly shouted among the owners, encouraging and organizing all owners to substantially increase the listing price. This new policy clearly requires strict investigation of the second-hand housing market, such as price control and price increase. What specific measures will be taken?
Recently, some real estate owners in our city have collectively raised prices, and there have been abnormal phenomena such as holding a group to raise prices and substantially raising the listing price of second-hand houses. The relevant departments are paying close attention to the price changes of second-hand houses, and all houses that publish false houses and whose listing prices are significantly higher than the recent real transaction price or the average price of similar buildings around them will be removed from the shelves. Property owners suspected of disrupting market order, such as organized price increases, will be inspected emphatically. If the circumstances are serious, measures such as restricting transactions are not ruled out. At the same time, the Municipal Housing and Construction Bureau will further strengthen the disclosure of housing price information. Starting from July, the online signing transactions of second-hand houses in towns and streets (parks) will be released every month, and the representative and active online signing transactions of second-hand houses in towns and streets (parks) will be released in time to improve the transparency of housing prices and guide rational market transactions.