Report from our correspondent (reporter Ma Dongsheng) recently, the General Office of the provincial government issued “Implementation Opinions on Further Promoting the stable and healthy development of the real estate market in the whole province”, proposing that cities with high housing prices and rapid growth, in a certain period of time, the housing purchase restriction measures should be formulated and implemented, and the purchase restriction policies should be unified, especially the key areas around the capital should raise the threshold and strictly adjust the purchase restriction measures. The opinion clearly defines the main responsibility of the local government, and accountability will be implemented if the house price is not stable.
Unified purchase restriction policy should be strict around the capital
The opinion points out that in cities where housing prices are too high and rising too fast, it is necessary to formulate and implement housing (including newly-built commodity housing and second-hand housing) purchase restriction measures within a certain period of time. In principle, the purchase of one set of housing is limited to the local household registration households that already have one set of housing, non-local household registration households that can provide local tax payment certificates for a certain period of time or social insurance payment certificates; for local household registration households with 2 or more houses, non-local household registration households with 1 or more houses, non-local household registration households that cannot provide local tax payment certificates or social insurance payment certificates for a certain period of time shall suspend selling houses to them within their respective administrative areas.
Cities that have adopted housing purchase restriction measures shall immediately adjust and improve relevant measures if they do not conform to the requirements of this implementation opinion. Huanxiong’an New District and key areas around the capital should further raise the threshold and strictly adjust the purchase restriction measures on the basis of the above requirements, namely: for non-local household registration households that can provide local tax payment certificates or social insurance payment certificates for 3 years or more, the purchase of one housing unit is limited. The paid tax payment certificate or social insurance shall not be used as a valid certificate for purchasing a house.
It is necessary to strengthen the planning and construction control of the Beijing-Hebei border area, strictly control the scale expansion, strictly control the development intensity, strictly control the development of the edge, strictly prohibit the large-scale development of real estate in the border area, and strictly prohibit the siege-style development of the capital, resolutely prevent the formation of “iron enclosure”. Langfang Beisan County should obey the overall situation of serving the construction of Beijing city sub-center, and unify planning, policies and control with Beijing city sub-center.
Different regions can adopt differentiated mortgage loans based on actual conditions.
Improve differentiated housing credit policy. Cities with high housing prices and rapid rise can take measures such as increasing the down payment ratio of commercial personal housing loans after deliberation by the provincial market interest rate pricing self-discipline mechanism in combination with local conditions. In principle, the down payment ratio is not less than 30% for households who purchase housing for the first time to apply for commercial personal housing loans; For households who own one housing unit, to apply for commercial personal housing loans for improving living conditions, the down payment ratio shall not be less than 40%; For households that purchase the third or more housing, the issuance of commercial personal housing loans shall be suspended; for non-local household registration households that cannot provide local tax payment certificates or social insurance payment certificates for a certain period of time, the issuance of commercial personal housing loans shall be suspended.
Adjust the housing accumulation fund policy. In cities where housing prices are too high and rising too fast, the minimum down payment ratio is not less than 30% for families with no housing and no loan documentation of employees in the city who use housing provident fund loans to purchase the first set of ordinary self-housing; if a family with one set of housing or loan documentation (including loan documentation of commercial banks) of paid-in employees uses housing provident fund loans to purchase ordinary self-housing, the minimum down payment ratio shall not be less than 60%; for the purchase of the third set of housing or more, the Housing Provident Fund Management Center shall not issue individual housing loans to the housing provident fund. According to the local real estate market situation, all regions can suspend the housing provident fund off-site loan business. Stop handling the business of “housing provident fund loan replacement commercial bank personal housing loan.
Resolutely prevent the emergence of regional new “land kings”
All regions should reasonably arrange the scale, structure and timing of land supply to stabilize the expectation of land market. Key areas around the capital should vigorously promote the intensive and economical use of land and strictly control the scale of incremental construction land. Establish a land purchase fund review system to ensure that real estate development enterprises use compliance self-owned funds to purchase land. If the source of funds does not meet the requirements after being examined by the Department of Land and Resources and relevant financial departments, the qualification of land bidding shall be canceled, and it shall be forbidden to participate in land bidding within a certain period of time.
It is necessary to flexibly determine the bidding method according to the local actual situation and the specific situation of land transfer, including “limited housing price, competitive land price”, “limited land price, competitive housing price”, after exceeding a certain proportion of the premium rate, the sales of existing houses or the area of self-holding, etc., resolutely prevent the occurrence of regional total price, new high unit price of land or floor, etc., and strictly prevent high prices from disturbing market expectations.
Seriously investigate and deal with projects with pre-sale conditions that delay listing and cover the market in disguise. Establish and improve the housing system of purchasing and renting, encourage individuals to rent their own houses according to law, and revitalize the existing housing resources.
Speed up the construction and distribution progress of public rental housing, and ensure that the government invests in public rental housing to complete the distribution by the end of 2013 by 90%. In plus-sized, the shantytowns were transformed to complete 200000 sets of construction tasks issued by the state in 2017.
Local governments will be held accountable for weak house prices
The pre-sale price of newly-built commodity housing shall be guided. For projects that do not accept the guidance of government prices, the pre-sale license of commercial housing shall not be issued or the contract online signing and filing shall not be handled. Real estate development projects that have obtained the pre-sale license or applied for the existing house filing should disclose all the houses and sell them at one time within 10 days. Strictly implement the regulations on the clear price of commercial housing sales and the price of one house and one house, and shall not exceed the filing price for external sales.
Carry out special actions to rectify Real estate intermediary, crack down on intermediary agencies to release false houses and false price information, monopolize houses to manipulate market prices, provide false certificates, and provide intermediary services for houses that do not meet the transaction conditions, false propaganda misleads market expectations, as well as illegal activities in off-site capital allocation financial business such as down payment loans, bridge loans and the establishment of capital pools.
Municipal and county governments should earnestly assume the main responsibility of promoting the steady and healthy development of the real estate market, and the government’s main responsible comrades are the first responsible persons. It is necessary to improve the working mechanism and establish a joint meeting system of real estate regulation and control. According to market changes, more powerful and effective policies and measures will be introduced in due time. To establish and improve the assessment and accountability system for stabilizing the real estate market, the relevant departments of the provincial government should strengthen the supervision and inspection of the municipal and county governments in stabilizing housing prices, and the implementation of policies and measures is not in place, the housing prices are rising too fast, if the management behavior of real estate enterprises is not well regulated and cannot effectively curb the behavior of real estate speculation, accountability shall be implemented.
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report from our correspondent (reporter Ma Dongsheng) recently, the General Office of the provincial government issued “Implementation Opinions on Further Promoting the stable and healthy development of the real estate market in the whole province”, proposing that cities with high housing prices and rapid growth, within a certain period of time, the housing limit should be formulated and implemented.