Tianjin introduced the new policy of real estate!Interpretation+Q & A!

On September 16, the Municipal Housing and Urban -Rural Development Commission, the Municipal Planning Resources Bureau, the Municipal Development and Reform Commission, the Municipal Human Resources and Social Security Bureau, the Municipal Taxation Bureau, the Tianjin Branch of the People's Bank of China, and the seven departments of the Tianjin Banking Regulatory Bureau jointly released the "Further improving real estate regulation and control Notice of Policy Promoting the Healthy Development of the Real Estate Industry "(hereinafter referred to as the" Notice "). The "Notice" proposes twelve specific measures from four aspects: ensuring rigid housing needs, supporting improvement of housing demand, improving housing credit policies, and promoting the healthy development of the real estate industry.

In terms of ensuring rigid housing needs, the "Notice" proposes two measures. Expand the supply of affordable rental housing, implement supporting support policies such as affordable rental housing land, finance, taxation, public services, etc., support new construction, reconstruction, and revitalizing rental housing, accelerate the construction of affordable rental housing, and solve eligible new citizens who meet the conditions The housing difficulties of groups such as young people and other groups promote the adaptation of supply and demand. Develop the long -term rental market, guide housing leasing companies to expand the supply of housing in accordance with market demand, stabilize housing rent levels, and meet diversified housing needs.

Support new citizens' reasonable demand for house purchase. New citizens and college graduates who are not in the city and employment in their own cities hold a 6 -month social insurance or personal income tax certificate. Policies for buying houses.

In terms of supporting improving housing needs, the "Notice" proposes four measures. In response to the improved housing needs brought by the elderly and raising children nearby, the "Notice" clearly states that for residents who are 60 or more members of the residents and many children and resident families who have two children and above Based on the original purchase restriction policy of the city, one house is purchased.

In order to revitalize their own idle houses and expand the supply of affordable rental housing, residents' families raised the original one of the original houses through the city's affordable rental housing development platform for affordable rental housing, and the lease period is not less than 5 years. You can buy another house on the basis of the original purchase restriction policy of the city.

In order to support the replacement of housing demand for residents' families to "sell old buying new" and "sell small", the "Notice" clearly states that after the residential family holds the housing in the housing restriction area of ​​the city, it will be sold You can buy 1 house, but the total number of household housing must not exceed 2 sets.

For the construction of a residential family house for project construction due to major urban infrastructure and other projects, the people's governments at or above the district level can purchase housing with the acquisition agreement, and the price of new houses does not exceed the compensation of houses, exempting deed taxes; For the model, the deed tax beyond the part.

In terms of housing credit policy, the "Notice" proposed two measures to optimize the proportion of down payment and the first set of identification standards for housing loan loans, and appropriately reduce the proportion of down payment for the second home.

For residents who have no personal housing loan records and have no houses in this city, those who apply for commercial personal housing loans to purchase their first houses will be the lowest of the lowest down payment ratio.

For residential families who have settled a housing loan and have no housing in the city, those who apply for commercial personal housing loans to purchase housing shall be implemented in accordance with the first home loan policy.

At the same time, the support of the second set of improved housing loans will be increased. The residents' families apply for commercial personal housing loans to purchase second houses, and the lowest down payment ratio is 40%.

In order to reduce the interest in the interest of residents, for the residents who purchase ordinary housing, the first set of housing commercial personal housing loan interest rates are not less than less than the corresponding period of loan market quotation, and the lower limit of the interest rate of the two sets of housing commercial personal housing loans is limited Execution is not lower than the corresponding period of loan market quotation interest rate plus 60 basis points.

In terms of promoting the healthy development of the real estate industry, the "Notice" proposed four measures. Increased financial support for real estate, the "Notice" requires commercial banks to actively meet the reasonable housing credit needs of residents, support the activation of existing non -residential projects in accordance with the law, maintain the stable and orderly release of real estate development loans, support real estate projects and participating enterprises, and enterprises. Material suppliers rational financing needs, maintaining continuous and stable financing of upstream and downstream enterprises in real estate, and ensuring project construction.

At the same time, optimize the tax policy of real estate enterprises and reduce the tax rate for the incomplete development of real estate development and operation enterprises. If the development project is an affordable housing, a limited price and a dangerous reform, the tax rate is determined by 3%; the others are determined by 3%; others Development projects, tax rates are implemented at 15%.

The "Notice" also proposes supporting policies from the aspects of optimizing the proportion of construction area of ​​new land supply business facilities and implementing phased land transfer support policies to support the healthy development of the real estate industry.

Consultation answer

First, I am a new citizen who works in Tianjin. Can I buy a house in Tianjin?

Answer: Yes, residents who work in foreign provinces and cities who work in Tianjin only need to provide a 6 -month social insurance or personal income tax certificate. If there is no house in the housing restricted area of ​​this city, you can purchase a house in this city. Binhai New District still implements the number of original house purchases.

Second, the number of housing sets in my house has reached the number of purchase restrictions. For the elderly, can I buy another house for the elderly near my home?

Answer: Yes, for residential families with 60 and over, those who already hold 2 houses in the housing restriction area of ​​the city can buy 1 house; those who hold 3 or more housing shall not buy them again.

Third, my family responded to the national fertility policy and gave birth to two (3) children. After the family population increased, can they buy another house?

Answer: Yes, for many children's families with two children and above, those who already hold 2 sets of housing in the housing purchase area of ​​this city can buy one house again; Buy. Fourth, my home has a temporary idle small apartment housing. I recently planned to buy a new house to improve the living conditions. Can I buy it after the policy is introduced?

Answer: Yes, if you use your own idle small apartment housing to use the city's affordable housing development platform as a guaranteed rental housing, and the lease period is not less than 5 years, you can buy it on the basis of the original house purchase restriction policy of the city. 1 house.

Fifth, my house was collected due to the construction of the subway. Can I still buy a house? Is there any preferential policy?

Answer: Yes, if the residential houses are required by the people's governments at or above the district level for project construction due to major urban infrastructure and other projects, they can purchase housing with the collection agreement. In terms of deed tax, there is a preferential policy. If the price of the new house does not exceed the compensation of the house, the deed tax is exempted; if the price of the new housing is more than the compensation of the house, the deed tax beyond part is exceeded.

6. The first time my house was bought. What is the down payment ratio and interest rate when applying for a housing loan?

Answer: For residents who have no personal housing loan records and have no houses in the city, those who apply for commercial housing loans to purchase their first houses will be the lowest in the initial payment ratio; 20 basis points, currently 4.1%.

7. I have bought a house for a loan. I have been sold now. I have no repayment of the loan record and no housing in Tianjin. What is the down payment ratio and interest rate when I buy a house to apply for a housing loan?

Answer: The lowest down payment ratio is 30%; the loan interest rate is not less than less than the corresponding period of loan market quotation at 20 basis points, which is currently 4.1%.

8. I already have one house in my name. In order to improve the living conditions, I need to buy the second house. What is the down payment ratio and interest rate?

Answer: The lowest down payment ratio of the second set of housing is 40%, and the lower limit of the two sets of housing commercial personal housing loan interest rates is not less than the corresponding period of loan market quotation interest rate plus 60 basis points, which is currently 4.9%.

Notice of the original text

7 departments such as the Municipal Housing and Urban -Rural Development Commission and other 7 departments on further improving the real estate regulation policy to promote the healthy development of the real estate industry

The people's governments of various districts and relevant units:

In order to implement the decision -making and deployment of the Party Central Committee and the State Council on promoting the steady and healthy development of the real estate market, insisting on the positioning of the house for living, not for speculation, supporting rigid and improving housing needs, with the consent of the Municipal People's Government, it will now be related The policy notification is as follows:

1. Ensure the needs of rigid housing

(1) Expand the supply of affordable leasing housing and solve the problem of housing difficulties for new citizens and young people such as new citizens and young people. Make good use of the national awards policy, support new construction, reconstruction, and revitalizing rental housing, implement supporting support policies such as affordable rental housing land, finance, taxation, public services, etc., strengthen the management of annual land use plans and construction plans, accelerate the guarantee leasing of affordable leasing Housing construction, strengthen supervision and management, and promote the adaptation of supply and demand. Vigorously develop the long -term rental market, guide housing leasing companies to expand the supply of housing in accordance with market demand, stabilize the level of housing rents, and meet diversified housing demand. (Responsible unit: Member unit, district people's government)

(2) Support the reasonable demand for house purchases for new citizens. New citizens and college graduates who are not in the city and employment in the city, holding social insurance or individual income tax certificates for 6 months or more can be purchased in the city, and Binhai New District still implements the policy of the original house purchase set. (Responsible unit: Municipal Housing and Urban -Rural Development Commission, Municipal Planning Resources Bureau, Municipal Public Security Bureau, Municipal Taxation Bureau, Municipal Human Resources and Social Affairs Bureau, Municipal Education Commission, People's Government of Each District)

2. Support improved housing needs

(3) For resident families with 60 and above members and many children and resident families who have two children and above, they can buy another house on the basis of the city's original house purchase restriction policy based on the residential household registration book. (Responsible unit: Municipal Housing and Urban -Rural Development Commission, Municipal Planning Resources Bureau, Municipal Public Security Bureau, Municipal Health and Health Commission, district people's governments)

(4) Residents and families will raise their own houses through the city's affordable rental housing development platform for affordable rental housing, and if the lease period is not less than 5 years, one set of 1 set can be purchased on the basis of the indigenous house purchase restriction policy. housing. (Responsible unit: Municipal Housing and Urban -Rural Development Commission, Municipal Planning Resources Bureau, District People's Government)

(5) After the residential family holds the number of housing in the housing restriction area of ​​the city to reach the number of purchase restrictions, one of the houses can be sold, and one house can be purchased, but the total number of household housing sets must not exceed 2 sets. (Responsible unit: Municipal Housing and Urban -Rural Development Commission, Municipal Planning Resources Bureau, District People's Government)

(6) If the construction of a residential family house due to major urban infrastructure and other projects is requisitioned by the people's governments at or above the district level, they can purchase housing with the collection agreement. If the price of new housing does not exceed the compensation of housing, the deed tax is exempted; those who purchase the price of the new house exceed the house compensation funds, and the deed tax beyond part is exceeded. (Responsible unit: Municipal Housing and Urban -Rural Development Commission, Municipal Planning Resources Bureau, Municipal Taxation Bureau, People's Government of Each District)

3. Improve housing credit policy

(7) Optimize the proportion of down payment for housing loans. For residents who have no personal housing loan records and have no houses in this city, those who apply for commercial personal housing loans to purchase their first houses will be the lowest of the lowest down payment ratio. For residential families who have settled a housing loan and have no housing in the city, those who apply for a commercial personal housing loan to purchase housing shall be implemented in accordance with the first home loan policy. The residential family applies for commercial personal housing loans to purchase a second home, with a minimum of 40%of the down payment. (Responsible unit: People's Bank of China Tianjin Branch, Tianjin Banking Insurance Bureau) (8) Implementation of preferential policies for housing loan interest rates. For residential families who purchase ordinary housing, the first set of housing commercial personal housing loan interest rates are not less than less than the corresponding period of loan market quotation interest rates, and the lower limit of the two sets of housing commercial personal housing loan interest rates shall not be less than less than the corresponding period limit The loan market quotation interest rate plus 60 basis points. If the state has other regulations, it is implemented in accordance with the latest policies. (Responsible unit: People's Bank of China Tianjin Branch, Tianjin Banking Insurance Bureau)

4. Promote the healthy development of the real estate industry

(9) Optimize the proportion of the construction area of ​​the new land supply business facilities, and in accordance with the requirements of the upper planning and special planning, on the premise of ensuring public welfare supporting facilities, combined with the market conditions, the country and the city's new community business and comprehensive comprehensive construction of the new community and the city The relevant policies and regulations of service facilities in the community's total construction area ratio. (Responsible unit: Municipal Planning Resources Bureau, Municipal Commerce Bureau, Civil Affairs Bureau, Municipal Education Commission and other departments, district people's governments)

(10) Implementing phased land transfer support policies. For the newly transferred operating real estate land before December 31, 2023, 50%of the land transfer price will be paid within one month after the signing of the land transfer contract. The payment period is not more than one year. (Responsible unit: Municipal Planning Resources Bureau, the people's government of various districts)

(11) To improve the financial policy, commercial banks must actively meet the reasonable demand for housing credit in residents, and support the activation of existing non -residential projects in accordance with the law. Accurately grasp and implement real estate financial management policies, financial institutions maintain the smooth and orderly investment of real estate development loans, support the reasonable financing needs of real estate projects and participating enterprises, and material suppliers, maintain continuous and stable financing of upstream and downstream enterprises in real estate to ensure project construction. Banking institutions should strengthen the progress of the construction progress of mortgage cooperation projects and the construction image parts to ensure that relevant project conditions meet national management requirements, and issue personal housing mortgage loans in accordance with laws and regulations. (Responsible unit: People's Bank of China Tianjin Branch, Tianjin Banking Insurance Bureau, Municipal Finance Bureau)

(12) Increase tax support and reduce the tax rate for the incomplete development product of real estate development and operation enterprises. If the development project is an affordable housing, a limited price, and a dangerous reform, the tax rate is determined by 3%; For other development projects, the tax rate of tax calculation is performed at 15%. (Responsible unit: Municipal Taxation Bureau)

The people's governments and relevant departments of various districts should strengthen the review of the implementation of real estate regulation and control policies, and shall be dealt with seriously in accordance with laws and regulations, and shall be seriously processed in accordance with laws and regulations.

This notice will be implemented from September 17, 2022.

Municipal Housing and Urban -Rural Development Commission

Municipal Planning Resources Bureau

Municipal Development Reform Commission

Municipal Human Resources and Social Affairs Bureau

Municipal Taxation Bureau

People's Bank of China Tianjin Branch

Tianjin Banking Insurance Bureau

September 16, 2022

policy analyzing

The "Notice of the Municipal Housing and Urban -Rural Construction Commission and other 7 departments on further improving the healthy development of real estate regulation and control policies to promote the healthy development of the real estate industry"

In order to implement the decision -making and deployment of the Party Central Committee and the State Council, adhere to the positioning of the house for living, not for speculation, support rigid and improved housing needs, and promote the healthy development of the real estate industry. Further improving the notice of the real estate regulation policy to promote the healthy development of the real estate industry (hereinafter referred to as the "Notice"), the "Notice" is now interpreted as follows:

1. Policy background

In order to implement the requirements of the Party Central Committee and the State Council on promoting the steady and healthy development of the real estate market, insisting that the house is used to live and not use it for speculation, in 2017, the city of the city of Tianjin Municipal People's Government has issued the "Tianjin People's Government Office. The Implementation Opinions of the Municipal Real Estate Market Regulation Work "(Jinzheng Office [2017] No. 48)" Notice on Improving Differential Housing Credit Policy "(Jin Yinfa [2017] No. 58), etc. Housing credit and other real estate regulation policies have strongly controlled the real estate market, suppressed the demand for speculative housing, and achieved the goals of stable price, housing prices, and expected.

Since the beginning of this year, the Party Central Committee and the State Council have made a series of deployment of real estate regulation work, requiring stabilizing the real estate market, and insisting on the positioning of houses to live and not used to speculate. Improve the demand for housing. Our city conscientiously implements the decision -making and deployment of the Party Central Committee and the State Council, and resolutely implement the positioning requirements of the house for living and not used to speculate. On the basis of in -depth analysis of the current status and supply and demand characteristics The main orientation of the general commodity housing has improved the real estate regulation policy. Aiming at the needs of rigid housing such as new citizens and new graduate college students, it is supported by developing affordable rental housing and optimizing housing purchase restrictions; for improving housing needs such as supporting elderly families and multi -child families, it will provide support for housing purchase qualifications. At the same time, it also provides supporting policies such as housing credit and taxation. Improve the real estate regulation policy is in line with the actual development of the real estate market in our city, which is conducive to better guarantee the demand for rigid housing, accurately meets the needs of improving housing, promote the virtuous cycle and healthy development of the real estate industry, meet the people's longing for beautiful housing, serve socialism for socialism, and serve socialism for socialism. Construction of modern metropolis.

2. Main content

The "Notice" proposes 12 specific measures from 4 aspects of ensuring rigid housing needs, supporting improvement of housing demand, improving housing credit policies, and promoting the healthy development of the real estate industry.

(1) About the protection of rigid housing needs

The first is to expand the supply of affordable leased housing, implement supporting support policies such as affordable rental housing, finance, taxation, public services and other supporting support policies, support new construction, reconstruction, and revitalizing rental housing, accelerate the construction of affordable rental housing, and solve the conditions of eligible conditions. New citizens, young people and other groups have housing difficulties, and promote the adaptation of supply and demand. Develop the long -term rental market, guide housing leasing companies to expand the supply of housing in accordance with market demand, stabilize the level of housing rents to meet the diversified housing needs.

The second is to support the reasonable demand for house purchase of new citizens. New citizens and college graduates who are not in the city's household registration and employment in the city hold a social insurance or personal income tax certificate that has been paid for 6 months or more. Binhai New District still implements the number of original house purchases.

(2) Regarding support for improving housing needs

The first is to buy another house for residents who are 60 and over, and many children and resident families who have two children and more than more than more.

The second is to expand the supply of affordable leased housing. Resident families will raise the original house through the city's affordable rental housing development platform for affordable rental housing, and the lease period is not less than 5 years. Buy another house on the basis of policy.

Third, after the residential family holds the number of housing in the housing restriction area of ​​the city, it is sold for one house, and one of the houses can be purchased, but the total number of household housing sets must not exceed 2 sets.

Fourth, for the construction of projects such as major urban infrastructure and other projects for residential houses, it is requisitioned by the people's governments at or above the district level. If you can purchase housing with the collection agreement, the price of new houses does not exceed the compensation of the house, and the deed tax is exempted; For house compensation, the deed tax beyond partially exceeds part.

(3) About housing credit policy

The first is to optimize the proportion of down payment for housing loans and the first setting standards, and appropriately reduce the proportion of the down payment of the second home. For residents who have no personal housing loan records and have no houses in this city, those who apply for commercial personal housing loans to purchase their first houses will be the lowest of the lowest down payment ratio. For residential families who have settled a housing loan and have no housing in the city, those who apply for commercial personal housing loans to purchase housing shall be implemented in accordance with the first home loan policy. At the same time, the support of the second set of improved housing loans will be increased. The residents' families apply for commercial personal housing loans to purchase second houses, and the lowest down payment ratio is 40%.

The second is to implement preferential policies for national mortgage interest rates. For residential families who purchase ordinary housing for loans, the first set of housing commercial personal housing loan interest rates are not lower than the corresponding period of loan market quotation interest rates at 20 basis points, and two sets of housing commercial personal housing The lower limit of the loan interest rate is not lower than the corresponding period of the loan market quotation interest rate plus 60 basis points.

(4) Regarding the healthy development of the real estate industry

The first is to optimize the proportion of construction area of ​​newly -supply -land commercial service industries, and implement relevant policies and regulations on the proportion of the country and the city's area of ​​the new community business and comprehensive service facilities in the community.

The second is to implement phased land transfer support policies, and support the newly transferred operating real estate land to pay the transfer deposit in accordance with the contract.

The third is to increase financial support for real estate. Commercial banks must actively meet the reasonable demand for housing credit in residents, support the activation of existing non -residential projects in accordance with the law, maintain the stable and orderly investment of real estate development loans, support real estate projects and participating enterprises and materials supply. The demand for business rational financing to maintain the continuous and stable financing of upstream and downstream enterprises in real estate.

The fourth is to reduce the tax rate of tax calculation of real estate development and operation enterprises that are not completed and developed. The development project belongs to the economically affordable housing, price limited houses and dangerous modification houses, and the tax rate is determined by 3%; The interest rate is executed at 15%.

The people's governments and relevant departments of various districts should strengthen the review of the implementation of real estate regulation and control policies, and shall be dealt with seriously in accordance with laws and regulations, and shall be seriously processed in accordance with laws and regulations.

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Review: Wang Shaoyun

Editor: Li Pei

Material arrangement: Li Pei, Shi Jiaojiao

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