Attention to houses and buying a house!Recently, Putian Real Estate Related Policy Summary has come

In order to promote the steady and healthy development of the real estate market and a virtuous cycle

Recently, the Putian Real Estate Industry Association carefully sorted out

Recent real estate related policies in our city

Summary as follows

01

Promote various types of commercial housing consumption

If you purchase new commercial housing and apply for online signing and filing before December 31, 2022, encourage real estate development enterprises to depend on the type of commercial housing purchased by the purchased commercial housing. All counties (districts and management committees) Housing and Urban -Rural Development Bureau reported that their government (management committee) can be given the situation of various types of commercial housing and the types of commercial housing they are purchased in their jurisdictions. The society is announced, and at the same time, the three -child households purchase and buy high commercial office commercial housing, which can give higher standards or discounts.

Support close to the community merging property service area, or to sell parking spaces with a parking space for more than one year (proposed to be announced at no less than one month) to be completed and delivered to the community outside the property service area for more than one year.

02

Full installation price merged into the total price of commercial housing

For the delivery standard for full renovation commercial housing, the decoration decoration price is merged into the total price of the commercial housing price of the same "commodity housing trading contract", commercial financial institutions and housing provident fund , Loan ratio. The full renovation funds are included in the scope of pre -sale funds for commercial housing.

03

Optimize the supervision of pre -sale funds for commercial housing

For credit rating high, pay for and use pre -sale funds in accordance with regulations, enterprises (including cooperative enterprises and shareholders) who have no project shutdown, overdue delivery, and group petition complaints can be used. Commercial banks and other institutions issued a request to pay for the paying letter to replace the accounts of the key pre -sale supervision funds of not more than 80%.

The municipal real estate development enterprise applies for pre -sale funds for commercial housing, and the district Housing and Urban Construction Bureau of the project should apply and upload relevant application materials to the area where the project is located through the regulatory system. All application materials such as contracts and invoices must be the original, the same contract, invoice, etc. The material only needs to be uploaded once. The District Housing and Urban Construction Bureau shall notify the supervision bank to allocate the regulatory bank by the Municipal Housing and Urban Construction Bureau's filing funds for the use of funds to be used by the Municipal Housing and Urban Construction Bureau.

After the supervisory bank receives the notice of paying the payment of the District Housing and Urban -Rural Development Bureau, it shall allocate the payment in accordance with the amount approved by the District Housing and Urban Construction Bureau for approval within one working day. Commercial banks that violate relevant regulations or have not implemented relevant policies have suspended or canceled their qualifications for the supervision of new pre -sale funds.

04

Adjust the pre -sale method of commercial housing

If the "Pre -sale of commercial housing" before December 31, 2022, according to the calculation of the commercial housing provided by pre -sale, the funds invested in development and construction have reached more than 25 % of the total investment of the project. %Will be reduced to 15%; for enterprises (including cooperative enterprises and shareholders) that develop and operate in accordance with the law, and their financial stable enterprises (including cooperative enterprises and shareholders) can be reduced to positive and negative zero.

If the number of identification registrations for commercial housing in the central urban area fails to reach 50%of the number of houses that can be sold, it can be sold by real estate companies in accordance with the principle of public order; No housing registration (including non -contract online signing, no transfer housing in the past two years), and married families, as well as three -child households with per capita housing area (including contract online and transferred housing in the past two years) are below 50 square meters. Select a house.

When the real estate development enterprise handles the pre -sale contract for commercial housing, it shall also provide the voucher for the bank's pre -sale of pre -sale funds for the first -phase commercial houses issued by the bank (no formal invoice is required). Implement the first -phase of the pre -sale funds "online verification", and the supervisory bank will push the first phase of the account to the account information to the recording system to achieve real -time sharing of funds to the account. People are directly stored in the regulatory account.

05

Improve urban infrastructure

Supporting with public services

Newly exchanged commercial and residential land to provide public service supporting facilities such as educational resources, pension medical care. First build urban basic supporting facilities such as water, water, electricity, gas, and sewage pipe networks to increase the value of land transfer and promote mature and livable in the area.

06

Increase the support of provident fund support

Purchase new commercial housing workers (including common property owners) and spouses can apply for withdrawal of housing provident funds in the provident fund account to supplement the first payment of house purchase.

Before December 31, 2022, when employees applied for a housing provident fund loan for the second time, the down payment ratio was adjusted from no less than 40%to no less than 30%.

Both of the workers in our city have the depository fund, and the maximum loan amount is adjusted from the original 550,000 yuan to 600,000 yuan.

If the family of the two -child and above, the households apply for a housing provident fund loan and meet the other application conditions, before December 31, 2022, the highest loan amount is in the current city's highest loan amount (600,000 dual -payment employees, single alone, single alone On the basis of paying 450,000), 100,000 yuan (ie, 700,000 employees, and 550,000 employees alone).

If the housing provident fund loan has been used to purchase and build a house, the original housing provident fund loan must be settled after 12 months, and the housing provident fund loan must be settled for 6 months before using the housing provident fund loan again. Improve the amount of housing provident fund rental withdrawal. If the employee family does not have their own housing in the administrative area of ​​our city and renting a self -living house, the rent extraction limit is increased from 5,400 yuan per person per year to 7,200 yuan.

The monthly deposit base of employees' housing provident fund reaches the maximum monthly deposit base, but the actual salary income exceeds the maximum monthly deposit base, which can provide the monthly income of the personal income taxation details and personal income tax paid.

When the flexible employees voluntarily pay the housing provident fund, they must continue to pay the basic pension insurance premiums in the city for 12 months or the housing provident fund in the city before the month of voluntary payment of housing provident funds. 24 months.

07

Continue to rectify the chaos in the real estate market

Establish a multi -department and cross -regional joint working mechanism, continue to carry out "double random one open", severely investigate and deal with illegal acts and regulations in the field of real estate development and housing trading, and publicly expose typical cases of violations of laws and regulations.

Putian Qiao Township Times New Media Center released

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Source: Putian Real Estate Industry Association

Edit: Wu Qiqin

Editor: Zheng Yujun

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