(1) unify thoughts and raise awareness. Housing is related to the national economy and people's livelihood, which is not only an economic issue, but also an important livelihood issue that affects social stability. High housing prices and rapid rise have increased the difficulty for residents to solve housing problems through the market, increased financial risks, and are not conducive to coordinated economic and social development. All regions and relevant departments should fully understand the harm of excessive housing price rise, conscientiously implement the central government's regulation policies on the real estate market, take resolute measures to curb excessive housing price rise, and promote the improvement of people's livelihood and economic development.
(2) Establish an assessment and accountability mechanism. Stable housing prices and housing security, by the provincial people's government overall responsibility, the Municipal People's government to implement the responsibility system. The Ministry of Housing and Urban-Rural Development, the Ministry of Supervision and other departments should assess the relevant work of the provincial people's government, strengthen supervision and inspection, and establish an interview, inspection and accountability system. Those who have failed to stabilize housing prices and promote the construction of affordable housing, affecting social development and stability, should be held accountable.
Interpretation: Establishing an assessment and accountability mechanism is a highlight of the "Ten Articles of New China"
Wu Xianghua, deputy director of the real estate department of Nanjing University of Technology, said that this is a set of "combination boxing" carefully played by the State Council. The establishment of assessment and accountability mechanism is an important highlight of "National Ten Articles". Previously, the State Council issued a notice requiring local governments to implement it. Now, local governments should be held accountable. "Chaos" needs to be duplicated! Long Bin, chief analyst of Hefei Brilliant Group, said that strict control policies must be supplemented by the "assessment and accountability mechanism", which was introduced at the end of last year. This is a summary of previous macro-control experiences and lessons. The document "Article 2" mentioned the accountability mechanism for the first time, and the Ministry of Supervision participated in it. It strongly emphasizes that "those who fail to stabilize housing prices and promote the construction of affordable housing have affected social development and stability and should be held accountable." This means that maintaining the stability of housing prices has been included in the assessment system of party discipline and state law, which has blocked the retreat of local officials in curbing high housing prices.
Second, resolutely curb unreasonable housing demand.
(3) Implementing a stricter differentiated housing credit policy. For families (including borrowers, spouses and minor children, the same below) who purchase the first self-occupied housing with a construction area of over 90 square meters in Xing Tao, the down payment ratio of the loan shall not be less than 30%; For families who borrow money to buy a second home, the down payment ratio of the loan shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate; For the purchase of the third and above houses with loans, the down payment ratio and loan interest rate shall be substantially increased, which shall be determined independently by commercial banks according to the principle of risk management. The People's Bank of China and the China Banking Regulatory Commission should guide and supervise commercial banks to strictly manage housing consumption loans. The Ministry of Housing and Urban-Rural Development shall, jointly with the People's Bank of China and the China Banking Regulatory Commission, promptly formulate the standards for the identification of the second set of housing.
It is necessary to strictly limit all kinds of real estate speculation and speculative house purchase. In areas where the price of commodity housing is too high, rising too fast and the supply is tight, commercial banks may suspend the issuance of loans for the purchase of third and above houses according to the risk situation; Non-local residents who cannot provide local tax payment certificate or social insurance payment certificate 1 year or more will be suspended from issuing house purchase loans. The local people's government can take temporary measures to limit the number of houses within a certain period of time according to the actual situation. Overseas institutions and individuals should purchase houses in strict accordance with relevant policies.
Interpretation: buying a house mainly for speculation will accelerate the cooling of the property market.
Long Bin, chief analyst of Hefu Huihuang Group, believes that the three-suite policy has not been defined by relevant rules, and the bank has a large operating space, so it can make specific provisions according to its own credit line and risk assessment. Since the beginning of this year, the scale of banking credit has shrunk, and there will be no super-large-scale lending as before. This provision is mainly aimed at speculative housing purchase. Generally speaking, the three-suite policy has a good guiding role in urban property prices with relatively tight supply.
"For the Beijing property market, it is undoubtedly a sudden' cold current', which may make the property market enter another winter." Chen Yunfeng, Secretary-General of China Economic and Trade Association, believes that this regulation will focus on investing in speculative house purchases, and strictly control the third and above housing loans and housing loans from other cities, which will undoubtedly have a great impact on real estate speculation. "Generally speaking, there may be improvement demand for the second suite, but the third suite is basically an investment demand," Chen Yunfeng said. If raising the down payment is a "restraining order", then not giving the third home loan is basically a "blocking order". Restricting foreigners' housing loans further narrows the scope of demand and will accelerate the cooling of the property market. (D) Give play to the regulatory role of tax policies on housing consumption and real estate income. The Ministry of Finance and the State Administration of Taxation should speed up the study and formulation of tax policies to guide individuals' reasonable housing consumption and regulate personal property income. The tax authorities should strictly follow the provisions of the tax law and relevant policies, conscientiously do a good job in the collection and management of land value-added tax, and focus on cleaning up and inspecting real estate development projects with excessive prices and excessive growth.
Interpretation: the principle of "incomplete collection and graded collection" should be followed in levying property tax.
Due to the late start of China's real estate market and the lack of theoretical and practical experience, there are some problems in the development of the real estate market, which require us to use various policy means to regulate and guide it. As an important policy tool of the government, tax has a strong correlation with the development of the real estate industry, so it has become a theoretical knowledge to use tax policy to promote the development of China's real estate market. Chen Yunfeng, Secretary-General of China Real Estate Managers' Union, appealed that even if the property tax is levied, it must follow the principle of "not collecting all of it, but levying it at different levels" so as to better reflect the idea of "differentiated housing policy".
Third, increase the effective supply of housing.
(5) Increase the effective supply of residential land. The Ministry of Land and Resources should guide and urge all localities to formulate and publish land supply plans for real estate mainly based on housing in a timely manner, and earnestly implement them. Cities where house prices are rising too fast should increase the total supply of residential land. It is necessary to speed up the disposal of idle real estate land according to law and give priority to recovering idle land for ordinary housing construction. While adhering to and improving the system of land bidding, auction and hanging, we should explore such transfer methods as "comprehensive bid evaluation", "one-time bidding" and "two-way bidding" to curb the irrational increase in the transfer price of residential land.
Interpretation: The state will give more preferential policies to the development of people's livelihood security real estate projects.
In terms of increasing the effective supply of housing, the State Council proposed to increase the effective supply of residential land, including increasing the total supply of residential land in cities where housing prices are rising too fast, speeding up the disposal of idle real estate land according to law, forming an effective supply as soon as possible, and giving confidence to the market. Wang Yiwu, a well-known economist in Wang Yiwu, said, "It can be seen from this requirement that the state will give more preferential policies to the development of people's livelihood security real estate projects."
(6) Adjust the housing supply structure. All localities should compile and publish the housing construction plan as soon as possible, and make clear the number and proportion of affordable housing and small and medium-sized ordinary commodity housing. Housing and urban-rural construction departments should speed up the planning and construction of ordinary commodity housing and pre-sale approval, and form an effective supply as soon as possible. Affordable housing, shantytown renovation and small and medium-sized ordinary commodity housing land is not less than 70% of the total supply of housing construction land, giving priority to ensuring supply. The competent departments of urban and rural planning and real estate should actively cooperate with the departments of land and resources, and incorporate the housing sales price, the number of units, the type of apartment, the proportion of affordable housing, the opening and completion time, and the penalty clauses for breach of contract into the land transfer contract to ensure that the proportion of supply structure of small and medium-sized Taoxing housing is put in place in strict accordance with relevant regulations. In areas where housing prices are too high and rising too fast, the supply of public rental housing, affordable housing and price-limited commodity housing should be greatly increased.
Interpretation: It will change the status quo of the highest land market price.
Professor Deng Honggan believes that re-emphasizing "70%" land supply will ensure the effective supply of ordinary housing in the market and ease the pressure of rising house prices. Exploring new ways of land transfer will change the situation that the land with high market price will get it at present and promote the rise of house prices. The implementation of this series of measures will "reduce fever" for the fiery property market.
Wang Zhijun, a veteran of Hainan real estate industry, said that although the main intention of forcing the development ratio of affordable housing is good, he wants to solve the people's housing problem as much as possible. However, how to define this ratio still exists the problem of "adapting to local conditions". Hainan is an economically weak province. Tourism and related supporting industries are one of the leading industries in the province and one of the main sources of regional economic income. If the development ratio of industries such as tourism real estate is weakened too much, the economic income will be affected, which may further affect the total investment in housing projects such as affordable housing.
Fourth, accelerate the construction of affordable housing projects.
(seven) to ensure the completion of the 20 10 construction of affordable housing 3 million sets, all kinds of shanty towns to transform housing 2.8 million sets of work tasks. The Ministry of Housing and Urban-Rural Development, the Development and Reform Commission, the Ministry of Finance and other relevant departments should issue annual plans and central subsidy funds as soon as possible. The Ministry of Housing and Urban-Rural Development shall sign a letter of responsibility for housing security objectives with the provincial people's government and implement the work responsibilities. Local people's governments should earnestly implement policies such as land supply, capital investment and preferential taxes and fees to ensure the completion of planned tasks. In accordance with the principle of government organization and social participation, accelerate the development of public rental housing, local people's governments at all levels should increase investment, and the central government should give financial support in an appropriate way. State-owned real estate enterprises should actively participate in the construction of affordable housing and the transformation of shantytowns. The Ministry of Housing and Urban-Rural Development, jointly with relevant departments, formulated the 20 10/2 affordable housing construction plan (including all kinds of shantytown renovation and policy housing construction) and announced it to the whole society before the end of 2010.
Interpretation: Accelerate the construction of affordable housing and housing projects to maintain people's confidence.
Pan Chen, a professor at Wuhan University of Technology, analyzed that increasing the construction of affordable housing and solving the housing problem of low-income people are effective measures to increase market supply and will play a role in stabilizing housing prices. "This is a mandatory requirement to ensure that the construction of housing projects in various places must be in place." Wang Yiwu believes that in the past year, due to various reasons, affordable housing and shanty towns in some areas failed to meet the standards in time. Therefore, in this requirement, this mandatory provision is clarified, aiming at maintaining the credibility of the government and continuing to maintain the confidence of the people.
Verb (abbreviation of verb) strengthens market supervision
(eight) to strengthen the supervision of real estate development enterprises to buy land and financing. Land and resources departments should intensify special rectification and clean-up, severely investigate and punish idle land and land speculation in accordance with the law, and restrict illegal enterprises from purchasing new land. When a real estate development enterprise participates in land auction and development and construction, its shareholders shall not provide it with loans, re-loans, guarantees or other related financing facilities in violation of regulations. It is strictly forbidden for state-owned and state-holding enterprises that are not the main business of real estate to participate in operational land development and real estate business. State-owned assets and financial supervision departments should intensify investigation and punishment. Commercial banks should strengthen the pre-loan review and post-loan management of real estate enterprise development loans. For real estate development enterprises with idle land and land speculation, commercial banks shall not issue loans for new development projects, and the securities regulatory authorities shall suspend their listing, refinancing and major asset restructuring.
(9) Strengthen the supervision of trading order. For real estate development projects that have obtained pre-sale permission or put on record the sale of existing homes, all the houses for sale should be made public at one time within the specified time, and sold to the outside world in strict accordance with the declared price. Housing and urban-rural construction departments should clean up commodity housing projects that have been issued with pre-sale permits, and increase exposure and punishment for real estate development enterprises that have property hoarding, hoard housing and drive up housing prices. If the problem is serious, its business qualification should be cancelled, and those who violate the law should be held accountable. The housing and urban-rural construction departments shall, jointly with relevant departments, formulate measures for the management of housing leasing and standardize the development of the leasing market.
The people's governments of all provinces (autonomous regions and municipalities) shall conduct an inspection on the business behavior of real estate development enterprises in the region, promptly correct and seriously deal with illegal acts, and the inspection results shall be reported to the State Council before 20 10. The Ministry of Housing and Urban-Rural Development shall, jointly with relevant departments, organize spot checks to ensure that the inspection work is effective.
Interpretation: Strengthening supervision will intensify the crackdown.
Wang Yiwu said that the requirement was aimed at discouraging developers from making profits. Professor Pan Chen said that after the hot property market returned this year, housing hoarding and other phenomena have risen. Strengthening the crackdown and transparency of information can prevent the abnormal rise of housing prices. Wang Yiwu pointed out that this may be a clear request made by the central government to some local governments, demanding that they "play their own games", aiming at asking local governments at all levels, especially some local governments with excessively high housing prices, to take effective measures to control them.
(ten) improve the real estate market information disclosure system. All localities should promptly announce to the public the annual supply plan for housing construction plan and housing land. The Ministry of Housing and Urban-Rural Development should speed up the construction of personal housing information system. Statistical departments should study and publish information that can reflect the changes of house prices in different regions and types.
Interpretation: Personal cross-regional purchase information will be effectively supervised and disclosed.
It is worth noting that the "National Ten" requires the Ministry of Housing and Urban-Rural Development to speed up the construction of personal housing information systems. This means that individual cross-regional purchase behavior will be effectively monitored. It can be regarded as a supplement to real estate speculation in different places without loans, and personal cross-regional housing purchase information will be effectively supervised and disclosed.