Dongguan wants to go out to regulate the management of pre -sale funds for commercial housing

In order to prevent developers from misappropriation of pre -sale supervision funds, some cities have shot.

On August 2nd, Dongguan Housing and Urban -Rural Development Bureau issued the "Notice on Further Regulating the Storage Management and Use Management of Pre -sale of commercial housing (draft for comments)" (hereinafter referred to as the "Notice"), which is the regulatory units, banking institutions and The responsibilities that housing companies need to perform are clearly explained. If the bank allocates or transfers the pre -sale of supervision funds for commercial housing without authorization, it shall be responsible for recovery; before obtaining the application for pre -sale permit, real estate enterprises must set up a new bank account in accordance with the principle of a pre -sale license corresponding to a regulatory account; Pay specific requirements such as online bank transfer and other methods.

"Daily Economic News" reporter noticed that since July, many cities such as Dongguan, Changsha, Jiujiang, Jingmen and other cities have issued pre -sale funds for commercial housing. Generally speaking, the regulatory policy of optimizing the pre -sale funds of commercial housing in various places is mainly reflected in three aspects: first, linked the funds allocation node to the project progress; the other is to clarify the main responsibility of developers and banks; third, implement differentiated supervision according to corporate credit rating. Essence

The Dongguan Housing and Urban Construction Bureau issued a document to further regulate the management and use management of pre -sale models for commercial housing. The picture shows the high -rise visual Chinese map of Dongguan CBD

Multi -dimensional strengthening pre -sale fund supervision

Judging from the notice issued by Dongguan this time, the four dimensions of the four dimensions of regulatory accounts, the collection management of pre -sale funds, the management of pre -sale funds, and the supervision responsibilities of pre -sale funds have been put forward.

The notice mentioned that in order to prevent the development of the company reserved and stored the house, for the projects that have obtained pre -sale permits that have obtained commercial housing, the information of the "House payment notice" generated by the buyer based on the pre -sale fund supervision system The POS machine brush card, bank counter transfer, and online bank transfer of the regulatory system will deposit the house purchase funds directly into the corresponding house pre -sale fund supervision sub -account.

The notice of the use of pre -sale funds and supervision also made a clear explanation. The funds located within the supervision quota should be dedicated to the special fund. Before the first registration of the house ownership of the commercial housing project, the commercial bank shall not deduct it without authorization. Construction progress funds and legal taxes for construction materials, equipment and payment projects.

It is worth mentioning that the responsibility of bank supervision of pre -sale funds also made a clear explanation. If a commercial bank violates the three -party regulatory agreement of the pre -sale funds and does not verify the consent of the housing construction department, and pays or transfer the funds within the supervision amount without authorization, shall be responsible for recovering the funds; if it cannot be recovered, the corresponding compensation shall shall bear the corresponding compensation.

The regulatory framework of the return

"The overall policy of Dongguan's policy involves a comprehensive dimension, including account establishment, process use, supervision responsibility, etc., which also reflects the determination to supervise the pre -sale funds in the local area." On the afternoon of August 3rd Research Director Yan Yuejin told the reporter of "Daily Economic News" through WeChat that Dongguan's policy is similar to the total tone of the country, but relatively speaking, Dongguan's introduction of the policy is more comprehensive and detailed. Sexuality explains, has stronger guidance.

In Yan Yuejin's view, although a series of property market support policies have been introduced since this year, under the tone of relaxation, it is still in order to ensure the standardization of pre -sale funds, and the essence is also the risk of rotten. There are also some more eye -catching policies in Dongguan. For example, some funds need to be taken out of regulatory funds as engineering construction margins, indicating that the project construction process is the focus of their attention.

"Dongguan's policy detailed rules are relatively comprehensive as a whole, and it is worth learning from and studying other cities in the country." Yan Yuejin said that the national pre -sale fund supervision problem must be strict supervision in the future, and the transparency will become more and more and more and more. High, it also conveys a signal to the market. The property market policy can be relaxed, but the regulatory places must be standardized about funding issues, and it is equally strict.

On the afternoon of August 3, Li Yujia, chief researcher of the Housing Policy Research Center of the Guangdong Provincial Planning Institute, told the reporter of "Daily Economic News" through WeChat, "There are two attractive places in Dongguan's policy. The main responsibility, the second is to increase the transparency of pre -sale funds. "

In Li Yujia's view, one of the important factor in pre -sale supervision funds is that the main responsibility of developers and banks has not fulfilled. Nowadays, the operation of Dongguan is clearly clarified, and the amount and proportion of funds withdraw from the project are matched with the project progress. At the same time, the bank's supervision of the bank's pre -sale account is clear. Essence

Li Yujia believes that the strengthening of supervision does not mean stricter, but returns to the original regulatory framework. In general, the extraction of the extraction will definitely be extracted, instead of the other parties to protect their rights and interests, resulting in some funds that cannot be extracted for engineering. Pick.

"Dongguan's policy also mentioned the publicity of the regulatory agreement and the incorporation of illegal real estate enterprises into the integrity management system. These policies have obvious reference significance to other cities." In Li Yujia's view, for the illegal misappropriation of pre -sale funds illegal misappropriation of pre -sale funds In violation of regulations, it can also strengthen the punishment of illegal housing companies by restricting the local land acquisition and financing measures.

Daily Economic News

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