The circular puts forward support measures from six aspects: optimizing the supervision of pre-sale funds of commercial housing, increasing the support of housing provident fund, optimizing the filing mechanism of commercial housing sales price, optimizing the area of restricted purchase, increasing financial support for house purchase, and optimizing land supply, so as to promote the virtuous circle and healthy development of Zhongshan real estate.
The "Notice" clarifies that the supervision of pre-sale funds of commercial housing should be optimized, and the supervision amount of pre-sale funds of commercial housing should be reasonably determined according to factors such as the construction cost of real estate projects, the amount of construction contracts, the payment of project funds and the conditions of use, so as to ensure the funds needed for project completion and delivery. Through the above measures, after the funds in the pre-sale funds supervision account reach the supervision quota, the funds exceeding the supervision quota can be extracted and used by real estate development enterprises.
The "Notice" clarifies that we should increase support for housing provident fund, increase the amount of housing provident fund loans, and adjust the liquidity coefficient of housing provident fund loans; Increase the preferential support of housing provident fund for talent loans; Increase the preferential loan amount of housing provident fund for the purchase of prefabricated commercial housing; Increase the withdrawal amount of housing provident fund for rental housing; Fully support the housing provident fund to entrust the bank to handle the transfer business. With the increase of preferential support for housing provident fund, the role of housing provident fund will be further played to effectively protect the just-needed and improved housing demand.
The "Notice" clarifies that the mechanism for filing the sales price of commercial housing should be optimized, the approval process for filing the sales price should be optimized, the efficiency of approval should be improved, and the online signing of the sales price of commercial housing should be allowed within a reasonable range. This policy is conducive to reducing the filing frequency of real estate enterprises and improving the convenience of real estate enterprises.
The "Notice" makes it clear that the purchase restriction policy in the central city should be adhered to, and the purchase restriction area of commercial housing in Zhongshan is clearly East Street and Shi Qi Street. The planning scope of Qijiang New Town is not within the restricted purchase area. The planning scope of Qijiang New Town refers to: Xiaolan Waterway in the north, Gangkou River (including Qi Gang area and seascape area) in the west, Wumafeng-Zhongshan Station area in the south and Shagang Road-Real Estate Road-Yantongshan in the east. Zhongshan registered households have three or more houses in the restricted purchase area, and non-registered households have two or more houses in the restricted purchase area, and the purchase of new commercial housing in the restricted purchase area is suspended. By optimizing the restricted purchase area, we will further meet the rigid and improved housing needs of the masses.
The "Notice" clarifies that in order to increase financial support for house purchase, commercial banks should accurately implement differentiated housing credit policies and reasonably determine the down payment ratio and loan interest rate of commercial individual housing loans. Further optimize the loan approval process and improve the timeliness of individual housing loans. Next, commercial banks in Zhongshan will further set the mortgage interest rate reasonably, and the pressure on buyers' purchase funds will be further eased.
The "Notice" clarifies that land supply should be optimized, land transfer supply in key areas should be increased, the scale, pace and structure of land supply should be rationally regulated, and the payment time of land price should be optimized. Taking the above measures is conducive to further promoting the integration of production and city, reducing the pressure of enterprise capital turnover and promoting the stable and healthy development of land market.