Publishing in Chongqing: Use provident fund loans to purchase two -suite down payment ratio of not less than 40 %

On June 15, the Chongqing Municipal People's Government Network issued the "Several Measures of Chongqing to Promote the Patient Circle and Healthy Development of the Real Estate Industry". There are 15 measures, involving support for new citizens and talents, implementing differentiated housing credit policies, improving real estate credit services, optimizing housing provident fund loan policies, clarifying the second set of housing identification standards for provident fund loans, implementing differentiated real estate tax policies, and optimizing projects Capital supervision, promoting effective supply of commodity housing, promoting the steady development of the leasing market, promoting the use of supporting parking spaces for commercial housing, implementing urban infrastructure supporting fees for urban infrastructure, improving the construction of supporting facilities in real estate projects, continuous improvement of housing quality, doing online transaction services well Management work, strengthening the supervision of the real estate market order.

The full text is as follows:

Chongqing to promote the virtuous cycle and healthy development of the real estate industry

Several measures

In order to implement the decision -making and deployment of the Party Central Committee and the State Council on real estate work, adhere to the positioning of the house for living, not for speculation, further improve the real estate related policies in our city, better support rigid and improved housing needs, promote real estate The positive cycle and healthy development of the industry, combined with the actual situation of our city, set the following measures.

First, support new citizens and talents. Eligible new citizens purchase their first ordinary housing in our city, and can enjoy the same personal housing loan policy as local residents. Support the talents of the city's talent department or the introduction department in Chongqing, and enjoy the same treatment of local residents in terms of housing, settlement, medical care, and children's education.

2. Implement differentiated housing credit policies. The Chongqing Camp Management Department and the Chongqing Banking Regulatory Bureau guided the improvement of the pricing and self -discipline mechanism of the market interest rate of Chongqing, adjusted the city's differentiated housing credit policy, and adjusted the lower limit of the first set of housing commercial personal housing loan interest rates to not less than less than lower than the corresponding period loan market quotation interest rate , The lower limit of interest rates for residents' families to purchase ordinary housing commercial personal housing loans is adjusted to not less than lower than the corresponding period of loan market quotation interest rates at 20 basis points. The lower limit of the interest rate of the two sets of housing commercial personal housing loan is adjusted to not less than less than the corresponding period of loan market quotation interest rate plus 60 basis points.

3. Improve real estate credit services. Banking financial institutions must accurately grasp and implement real estate financial management policies, maintain the smooth and orderly exit of real estate development loans, and meet the reasonable financing needs of the real estate market. Encourage banking financial institutions to do a good job of financial support and services for key real estate enterprise risk disposal projects, and for mergers and acquisitions of mergers and acquisitions of real estate enterprise projects for mergers and purchase insurances and difficult real estate enterprises. Encourage and support commercial banks to increase support for mortgage loans for commercial and commercial housing.

4. Optimize the policy of housing provident fund loan. Priority guarantee the first house loan, and the housing provident fund pays the employee family to purchase the first house, the down payment ratio is not less than 20%; reasonably supports the improvement of improving housing loans, and the employee family purchases a second home. It is less than 40%, and the loan interest rate is 1.1 times the interest rate of personal housing loans in the first set of housing provident funds during the same period; the commercial personal housing loan supports the first home of the first home for the purchase of the first house is transferred to the housing provident fund personal housing loan (replacement loan); If you participate in loans, the single loan amount is calculated according to the addition of the personal loan amount of both parties, and the maximum amount has increased from 600,000 yuan to 800,000 yuan. Support the issuance of provident fund discount loans to ensure the supply of loan funds.

5. Clarify the second set of housing identification standards for provident fund loans. There are 2 or more housing houses or more than two housing loan records in the housing provident fund. After the sale of existing housing, the family has no housing or only one house, and the housing loan has been settled or only one has not ended. If you buy a housing loan for Qing commercial housing, you can apply for a housing provident fund loan according to the policy of purchasing the second house.

6. Implement differentiated real estate tax policies. Family new housing, who transferred the only native house of the family before applying for the property right certificate, enjoy the preferential tax preferential policy in accordance with the first house; if the family still has 1 house, the newly purchased housing enjoys the preferential tax policy according to the second house. For the levy tax exemption tax for land and houses to be requisitioned and requisitioned by the people's governments at or above the county level, and re -bear the ownership of land and houses, the transaction price does not exceed the currency compensation. Currency compensation is exempted from personal income tax; if the property rights replacement of the house, the replacement of land use rights, the exemption deed tax for the difference will not be paid.

7. Optimize the supervision of project capital. For real estate development projects that have been stored in the process of project capital, the development enterprise can apply for the use of supervised project capital according to the project construction progress. For the newly handled project capital deposit procedures for real estate development projects, the development enterprise can apply for in batches in batches. For the first time, 60%of the amount of supervision is deposited, and the remaining 40%can be given a 4 -month cache period. During the cache period, if the image progress of the development project meets the full node requirements, the remaining project capital is no longer replenished.

8. Promote the effective supply of commercial housing. Strengthen the supervision and inspection of the existing land development and construction, and urge real estate development enterprises to develop and build in accordance with the scale of the land transfer contract, the completion time, etc., and promote the projects that have achieved the progress of the engineering image as soon as possible. Promote the cleanup of the central urban area, "long -term construction", "not finished" and "not sold" projects, forming effective supply, and supporting reasonable housing consumption.

Nine, promote the steady development of the leasing market. Increase the supply of market rental housing, add new market rental housing at rail transit siting and commercial business districts, industrial parks, campuses, hospitals (hospitals) and other population agglomeration areas to support the reasonable demand for new citizens and young people. On the basis of meeting the planning principles and complete supporting functions, if there is market demand, it is allowed to use the existing commercial and commercial projects to be converted or adjusted into a rental housing project according to the procedures. Change, the prices of water, electricity, and gas are implemented in accordance with the standards of residents. Study and formulate supporting policies to support the development of rental housing, focus on solving basic public services such as settlement, schooling, and employment, and gradually realize the right to rent and purchase basic public services such as education, medical care, pension, rescue, and legal aid. 10. Promote the use of supporting parking spaces for commercial housing. The parking space (library) for parking motor vehicles in the property management area should first meet the needs of the owner. The construction unit sells parking spaces (libraries) in accordance with the law. For commercial housing projects with a lot of supporting parking spaces (libraries), the pilot use of supporting parking spaces for commercial housing is carried out. Within 6 months from the date of the announcement, each owner can only buy 1 parking space (library) If the announcement is 6 months from the date of the announcement, and after the initial registration, there are excess parking spaces (libraries), which can be sold to other owners, but the construction parking space (library) corresponding to the non -selling housing shall not be sold; Within 6 months from the date of the announcement, the proportion of the number of parking spaces (libraries) purchased by each owner shall not exceed the proportion of holding the area of ​​the total housing area. After the excess parking space (library), it can be sold outside.

11. Implement the urban infrastructure supporting fees to slowly pay the policy. The supporting fees for urban infrastructure that should be paid for the real estate development project affected by the epidemic can apply to the local government to apply to the local government, and the payment will be extended after being approved in accordance with the prescribed procedures. It does not exceed 6 months and pays before the pre -sale permit for commercial housing.

12. Improve the construction of supporting facilities in real estate projects. For projects that have not been transferred to land, the local government and land improvement reserve agencies should speed up the construction of supporting facilities around the land to achieve "net land" transfer; for projects that have not been developed and constructed by land, the local government and land remediation reserve institutions should be preceded or or of Complete completion of supporting facilities with the project; for projects that have been provided and developed, the local government and land improvement reserve agencies shall complete the supporting facilities construction in the pre -limited time of the project.

13. Continue to improve housing quality. Develop a new type of construction, promote the integration of construction industrialization, greening, and informatization, and strengthen the integrated application of technologies such as building information models (BIM), artificial intelligence, and intelligent construction in the entire planning and construction process. Focusing on the reconstruction of old districts in urban and towns, renovation of shantytowns, perfect public service facilities, improvement in housing design and construction, and continuously promoting the living conditions and environmental improvement of urban residents.

14. Do a good job in online transaction service management. Guide real estate development enterprises, real estate brokerage agencies and housing leasing enterprises to vigorously promote "online housing" to provide services such as online houses, housing selection, consulting, and subscribing to the people of buying and renting the people. A regional housing festival is held in a combination of online and offline. Comprehensively promote the full supervision of the existing housing network signing and transaction funds, establish a full -process transaction service, and promote the virtuous circle of the first and second -hand housing market.

15. Strengthen the supervision of the real estate market order. Continuously rectify the order of the real estate market, strictly implement the daily inspections and special inspection management mechanisms; increase the investigation and punishment of illegal and illegal behaviors of real estate development enterprises and intermediaries, and create a good market environment.

Source: Chongqing Municipal People's Government Network

- END -