For the implementation of the CPC Central Committee and the State Council's decision-making and deployment of real estate work, adhere to the house is to live, not to speculate on the positioning of the city to further improve the city's real estate-related policies, to better support the rigid and improve the demand for housing, and to promote the healthy development of the real estate industry, combined with the city's actuality, the following measures are formulated.
One, support for new citizens and talents to live. Qualified new citizens in the city to buy the first set of ordinary housing, can enjoy the same personal housing loan policy with local residents. Support for Chongqing talents recognized by the city's talent authority or introduction department to enjoy the same treatment as local residents in housing, settlement, medical care and children's education.
Two, the implementation of differentiated housing credit policy. The People's Bank of China Chongqing Department of Management jointly with the Chongqing Banking and Insurance Supervision Bureau to guide the improvement of the Chongqing market interest rate pricing self-regulatory mechanism, adjust the city's differentiated housing credit policy, will be the first set of housing commercial personal housing loan interest rate floor is adjusted to not less than the corresponding period of the loan market quoted interest rates, the purchase of ordinary housing by resident families of the first set of housing commercial personal housing loan interest rate floor is adjusted to not less than the corresponding period of the loan market quoted interest rate minus 20 basis points. The lower limit of commercial personal housing loan interest rate for the second set of housing is adjusted to be not lower than the market quoted interest rate for the corresponding period of loan plus 60 basis points.
Three, improve real estate credit services. Banking financial institutions to accurately grasp and implement the real estate financial prudent management policies, to maintain a stable and orderly real estate development loans to meet the reasonable financing needs of the real estate market. Encourage banking financial institutions to do a good job of key real estate enterprise risk disposal project mergers and acquisitions financial support and services, mergers and acquisitions out of the risk and difficulty of real estate enterprise project mergers and acquisitions loans are not included in the real estate loan concentration management. Encourage and support commercial banks to increase support for commercial business housing mortgage loans.
Four, optimize the housing fund loan policy. Priority protection of the first housing loans, housing fund paid employee families to buy the first home, the down payment ratio of not less than 20%; reasonable support for improvement of housing loans, paid employee families to buy the second home, the down payment ratio of not less than 40%, the loan interest rate is not less than the same period of the first set of housing provident fund individual housing loan interest rate of 1.1 times; to support the purchase of the first home of the commercial individual housing loan to Housing Provident Fund individual housing loans (replacement loans); paid employee family husband and wife to participate in the loan, a single loan amount calculated as the sum of both personal loan amount, the maximum amount from 600,000 yuan to 800,000 yuan. Support the issuance of subsidized provident fund loans to ensure the supply of loan funds.
Fifth, clear provident fund loans for the second set of housing identification standards. Housing provident fund employee family has 2 or more housing or more than 2 housing loan records, after the sale of the existing housing, the family has no housing or only 1 housing, and has settled housing loans or only one outstanding commercial housing loans, and then buy housing, you can apply for housing provident fund loans in accordance with the policy of the purchase of a second home.
Sixth, the implementation of differentiated real estate tax policy. Family newly purchased housing, the transfer of the family's only original home before applying for real estate title deeds, in accordance with the first housing to enjoy preferential policies on deed tax; if the family still has 1 housing, the newly purchased housing in accordance with the second housing to enjoy preferential policies on deed tax. If the land or house is expropriated or requisitioned by the people's government at or above the county level and the land or house ownership is resumed, and if monetary compensation is chosen, the transaction price is exempted from levying deed tax if the price of the transaction does not exceed the monetary compensation; if an expropriation and compensation agreement is signed and monetary compensation is obtained in accordance with the government's relevant standards, the individual income tax is exempted; if a housing property rights exchange or a land use right exchange is chosen, the deed tax is exempted if the difference in the price is not paid, and the deed tax is only partially levied if the difference in the price is paid. The contract tax will be levied only on the difference in price if the difference in price is paid.
VII. Optimize the supervision of project capital fund. For real estate development projects that have gone through the procedures for the deposit of project capital, the development enterprise can apply for the use of project capital that has been supervised according to the construction progress of the project, building by building. For the new project capital deposit procedures for real estate development projects, development enterprises can apply for deposit in batches, the first deposit of 60% of the approved regulatory amount, the remaining 40% can be given a four-month caching period. In the cache period, the image of the development project progress to reach the full use of the node requirements, can no longer make up the remaining project capital deposit.
VIII, promote the effective supply of commercial housing. Strengthen the supervision and inspection of land development and construction has been granted, urging real estate development enterprises in accordance with the land grant contract agreed scale, start and completion time for development and construction, and promote the image of the project to achieve progress as soon as possible on the market for sale. Promote the central city, "has been supplied not built" "long built not finished" "should be sold not sold" project cleanup, the formation of effective supply, support reasonable housing consumption.
Nine, promote the steady development of the rental market. Increase the supply of market rental housing, new market rental housing in rail transit stations and commercial and business districts, industrial parks, campuses, hospitals (hospitals) and other population centers, to support the new citizens, young people reasonable rental housing needs. On the basis of conforming to the planning principles and perfecting the surrounding supporting functions, where there is market demand, it is allowed to utilize the existing commercial and business projects to be converted or adjusted into rental housing projects in accordance with the procedures, and the land use period and plot ratio of the converted or adjusted rental housing projects shall remain unchanged, and the prices of water, electricity and gas shall be implemented in accordance with the standards for residents. Study and formulate supporting policies to support the development of rental housing, and strive to solve the problems of settlement, schooling, employment and other basic public services, and gradually realize the education, medical care, old age, assistance, legal aid, and other basic public services, rental and purchase of the same rights.
Ten, promote the utilization of commercial housing supporting parking spaces. Property management area planned for parking motor vehicles in the parking space (library), should first meet the needs of owners. Construction units sold according to law parking spaces (garage), should be announced. Supporting parking spaces (garage) stock of more commercial housing projects, commercial housing supporting parking space utilization pilot, is a residential supporting parking spaces (garage), the date of the announcement of six months, each owner can only buy a parking space (garage), the date of the announcement of six months and for initial registration of excess parking spaces (garage), can be sold to other owners, but unsold housing corresponding to the allocation of parking spaces (garage) shall not be sold; is a non-residential supporting parking spaces, the date of the announcement of the sale of parking spaces (garage), shall be sold to the owners. non-residential allocated parking spaces, within 6 months from the date of announcement, the ratio of the number of parking spaces (garages) purchased by each owner shall not exceed the ratio of the area of the housing held to the total non-residential building area, and if there are excess parking spaces (garages) after 6 months from the date of announcement and initial registration, they may be sold to the public.
Eleven, the implementation of urban infrastructure support fee deferral policy. Affected by the epidemic of real estate development projects should pay the urban infrastructure support costs, real estate development enterprises can apply to the local government, according to the prescribed procedures for approval to be postponed, postponed payment of time from the date of approval of the local government for a maximum of six months, and in the pre-sale of commercial real estate before the payment of the license.
Twelve, improve the construction of supporting facilities for real estate projects. For projects that have not yet ceded land, the local government and land improvement and reserve institutions should speed up the construction of ancillary facilities around the land to achieve the "net land" ceded; has been supplied to the land has not yet been developed and constructed projects, the local government and land improvement and reserve institutions should be prior to or synchronized with the project to complete the ancillary facilities; has been supplied to the land and has been developed and constructed projects, local For projects that have been supplied with land and have already been developed and constructed, the local government and the land improvement and reserve institution shall complete the construction of supporting facilities before the handover of the project in a limited period of time.
Thirteen, continue to improve the quality of housing. The development of new construction methods, promote the integrated development of construction industrialization, greening and information technology, and strengthen the integrated application of building information modeling (BIM), artificial intelligence, intelligent construction and other technologies in the whole process of planning and construction. Focusing on the transformation of old urban neighborhoods, the transformation of shantytowns, the improvement of public service facilities, and the enhancement of housing design and construction levels, it will continue to promote the improvement of urban residents' living conditions and environment.
Fourteenth, do a good job of online transaction service management. Guidance to real estate development enterprises, real estate brokerage agencies and housing leasing enterprises to vigorously implement the "online housing" for the purchase of housing, renting the masses to provide round-the-clock online housing, housing, consulting, subscription and other services. Regional housing fairs were organized in a combination of online and offline methods. Comprehensively implement the stock of housing net signature and full supervision of the transaction funds, the establishment of the whole process of transaction services, and promote a virtuous cycle of the first and second-hand housing market.
Fifteen, strengthen the supervision of the real estate market order. Continuing to rectify and standardize the real estate market order, the strict implementation of daily inspections and special inspection management mechanism; increase the real estate development enterprises and intermediaries to investigate and deal with violations of the law, to create a good market environment.
