In terms of housing provident fund, we will continue to implement policies such as the stable return of inclusive unemployment insurance and the phased reduction of insurance rates. Enterprises that cannot pay employee housing provident fund on time can postpone payment. Luohe will also strengthen its support for market players and individual housing loans.
We will spare no effort to boost consumer demand, raise financial funds, issue government coupons, give subsidies of up to 5,000 yuan to retail, automobile and housing consumption, and give enterprises 30% reduction and exemption of promotion fees and 50% reduction and exemption of state-owned venue rental fees.
At the same time, in order to stabilize the real estate market, Luohe will subsidize the purchase of houses by "100 million" talents and skilled talents, subsidize the deed tax of newly purchased new houses, optimize the supervision of pre-sale funds of commercial housing, and raise affordable housing through multiple channels.
At the meeting, Shu Chang, Party Secretary and Director of the Housing and Urban-Rural Development Bureau of Luohe City, introduced that in order to help real estate enterprises solve problems, Luohe City optimized the supervision and use policies of commercial housing pre-sale funds on the basis of the original supervision policies, and innovatively implemented four systems.
The first is to implement a differentiated supervision system for old project funds. We will fully implement the central government's spirit of "housing without speculation", adhere to the principle of "ensuring the delivery of houses, ensuring people's livelihood and ensuring stability" and adhering to the principle of "controlling the new and managing the old and controlling risks". For the projects that handle the pre-sale permit of commercial housing before April 1 2022, it is no longer required to deposit all the purchase price into the supervision account, and the proportion of key supervision funds shall be kept, mainly according to the project image progress, saleable houses, balance of supervision account and enterprises.
The second is to relax the supervision system for new project funds. For the project that newly obtained the pre-sale permit of commercial housing after April 1 2022, the proportion of key supervision funds for pre-sale of commercial housing was adjusted from 40% to 30%, which not only ensured the due safety limit of project funds, but also greatly reduced the total amount of key supervision funds for pre-sale and effectively increased the liquidity of enterprises.
The third is to innovate the supervision and guarantee policy system of pre-sale funds. Development enterprises can replace pre-sale supervision funds through guarantee companies, commercial banks and insurance companies' policies, and release a large part of working capital for real estate enterprises.
The fourth is to optimize the approval system for the use of pre-sale funds. Regarding the fund application node, it is no longer approved according to the requirements of the existing node. Anyone who meets the conditions for the use of funds can apply for it at any time, and the housing construction department will "close the trial on the same day" to provide efficient and convenient services for enterprises.