Recently, Jiangmen City Real Estate Control Leading Group Office issued the Notice on Optimizing Jiangmen City Real Estate Policy. From June 1 day, 2022, those who purchase new commercial housing in Pengjiang District, Jianghai District and Huicheng Street of Xinhui District of our city will implement the sales restriction policy and suspend the above-mentioned regional purchase restriction policy. In order to do a good job in policy convergence, our office has studied and formulated relevant operational guidelines, the specific contents of which are as follows:
First, the implementation time of the housing sales restriction policy.
It will be implemented from 0:00:00 on June 1 2022, subject to the time finally determined in the contract.
Second, the scope of application of the housing sales restriction policy
1, from 0:00:00 on June 2022, the online signing of the contract was completed through Jiangmen Real Estate Transaction Integrated Management Information System, and the house was located in the newly-built commercial house in the restricted sales area.
New commercial housing obtained by non-trading methods such as demolition compensation is not included in the scope of the sales restriction policy, and relevant certification materials need to be submitted in the real estate system, which will be confirmed by the local housing construction department after review.
The starting time of three-year housing sales restriction.
From the time when the new commercial housing sales contract signed by the purchaser and the real estate enterprise is finalized, it can be transferred after three years.
Four. Applicable policies for houses subscribed before 0:00:00 on June 1 year but not signed online.
If the online contract has been signed in the real estate system before 0:00:00 on June 1 2022, it shall be implemented according to the original purchase restriction policy.
If the online signing contract is not completed in the real estate system before 0:00:00 on June 1 2022, but the bank account voucher of commercial housing subscription book has been signed and the house price has been paid before 0:00 on June 1 2022, it can be implemented according to the original purchase restriction policy, but it is necessary to apply to the housing construction department of the county where the house is located before June 30, 2022, and it is
Cancel the original online signing contract at 0:00:00 on June 1 2022, and re-sign the contract according to the sales restriction policy.
Verb (abbreviation of verb) is a method to inquire about the ownership of houses.
From 0:00 on June 1 2022, buyers who need to apply for personal housing mortgage loans to buy new commercial housing in the restricted purchase area should check the number of family housing units through the real estate system, and submit the query result Notice of Jiangmen Housing Unit Query Result generated by the real estate system to the loan banking institution as proof materials for the number of housing units.
In line with the original purchase restriction policy, it shall be implemented in accordance with the Notice on Improving the Efficiency of House Purchase Qualification Verification Service, and the house purchase qualification verification is required.
Those who meet the sales restriction policy do not need to apply for house purchase qualification verification; Those who meet the sales restriction policy, but do not need to apply for personal housing mortgage loans, do not need to inquire about the number of family housing units.
Six, in line with the housing purchase restriction policy, the minimum payment ratio of commercial personal housing mortgage loans, the minimum loan interest rate.
The minimum payment ratio and the minimum loan interest rate of commercial personal housing mortgage loans are determined by the self-discipline mechanism of interest rate pricing in Guangdong market, and specific changes can be consulted with commercial banks.
Tel: 0750-383 1907
Jiangmen real estate regulation and control work leading team office
June 9(th), 2022