20 19 the down payment ratio of the first suite in Xinzhou city and the loan interest rate for the first suite certification policy.

In order to implement the spirit of the Notice of the General Office of Shanxi Provincial People's Government on Forwarding the Opinions of the Provincial Department of Housing and Urban-Rural Development on Improving and Perfecting the Housing Security and Supply System to Promote the Healthy Development of the Real Estate Market (Jin Zhengban Fa [2065 438+05] 103No.), we will further do a good job in real estate destocking, and meet the needs of integration, rational distribution and access in combination with the fact that the inventory of commercial housing in our city is high, the distribution of affordable housing is uneven and the demand for resettlement housing is large.

I. Guiding ideology

Thoroughly implement the spirit of the 18th CPC National Congress and the 3rd, 4th and 5th Plenary Sessions of the 18th CPC Central Committee, the 7th Plenary Session of the 10th CPC Provincial Committee and the 7th Plenary Session of the 3rd CPC Municipal Committee, fully implement the development strategy of "166 1" and the general plan of "3659" to get rid of poverty, and follow the principles of combining industry with finance, coordinating demand, making good use of increment, exerting strength in the same direction and eliminating stock.

Second, the work measures

(a) increase the security of public rental housing, and open the channel between commercial housing and affordable housing.

Counties (cities, districts) should further strengthen the security of public rental housing, and include low-and middle-income families, new employees, migrant workers and migrant workers with housing difficulties into the scope of security of public rental housing. Public rental housing is mainly based on monetary security, supplemented by physical security. If it is really necessary to provide physical security, housing should be raised through the allocation of commercial housing, the purchase of existing commercial housing and long-term lease. In principle, no new public rental housing will be built.

(2) Increase the proportion of monetized resettlement in shantytown renovation, and smooth the channels of commercial housing and resettlement houses.

It is necessary to take the monetized resettlement of shantytown renovation as an important channel for real estate destocking, adjust the compensation and resettlement policies for shantytown renovation and urban village renovation, appropriately raise the monetary compensation subsidy standard and reward ratio, further increase the monetized resettlement ratio of shantytown renovation, and reach more than 50% according to provincial requirements. Counties (cities, districts) should make overall consideration of the transformation, relocation and resettlement of shanty towns in urban villages in the region and the supply and demand of existing commercial housing, and take measures such as pure monetary compensation, government building a service platform for residents to purchase commercial housing independently, and government unified repurchase, and strive to digest existing commercial housing.

In accordance with the Notice of the Ministry of Finance of State Taxation Administration of The People's Republic of China on the Tax Policy of shantytown renovation (Caishui [2013]1No.) and the Notice of the Ministry of Finance of State Taxation Administration of The People's Republic of China on the Deed Tax Policy of Enterprises' Sale and Leaseback Financing (Caishui [2012] No.82), the monetized resettlement should be seriously implemented. The government repurchases commercial housing as resettlement houses and implements relevant national tax policies. If an individual chooses monetary compensation to buy a house again because of the expropriation of the house, and the transaction price of the house does not exceed the total amount of monetary compensation, the deed tax shall be exempted for the newly purchased house; If the transaction price of the house exceeds the total monetary compensation, the deed tax will be levied on the difference. Residents who choose to exchange housing property rights because of the expropriation of individual housing, who do not pay the price difference of housing property rights exchange, are exempted from the deed tax of new housing exchange; If the difference is paid, the deed tax shall be levied according to the difference. Personal compensation for demolition obtained by individuals shall be exempted from personal income tax in accordance with relevant regulations. The deed tax shall be levied at the rate of 1% for the purchase of the only family house (family members include the purchaser, spouse and minor children, the same below) with an area of 90 square meters or less; If the area exceeds 90 square meters, the deed tax shall be levied at the rate of 1.5%. The deed tax will be levied at the rate of 1% if the second set of improved family housing is purchased with an area of 90 square meters or less; If the area exceeds 90 square meters, the deed tax shall be levied at the rate of 2%.

For households that already own/kloc-0 apartments and have settled their loans, the first home loan policy will be implemented if they apply for loans to buy ordinary commercial housing again to improve their housing conditions. Paid employees who purchase the first ordinary self-occupied house apply for housing provident fund loans, own 1 house and settle the corresponding housing loans. In order to improve living conditions, apply for housing provident fund loans again, and the minimum down payment ratio will be reduced to 20%. The housing provident fund can be used to pay for the purchase, rental and property fees paid to the employees' families.

(3) Increase the policy support for farmers to purchase houses in cities, and smooth the channels of affordable housing and resettlement houses.

Counties and urban areas should formulate incentives to encourage migrant workers and farmers to buy houses in cities according to the actual situation, and mobilize the enthusiasm of migrant workers and farmers to buy houses in cities by means of awards. It is necessary to incorporate the relocation and resettlement of coal mining subsidence areas and the centralized resettlement of ex situ poverty alleviation into the scope of shantytown renovation and resettlement, and enjoy preferential policies for housing security and shantytown renovation. Public * * * rental housing (including low-rent housing), affordable housing, price-limited commodity housing, shed-to-shed resettlement housing can be used as a whole for ordinary families who meet the housing security conditions, shed-to-shed resettlement, coal mining subsidence area relocation and ex situ poverty alleviation relocation and centralized resettlement. Low-rent housing built before June 65438+1 October1can be sold to eligible security objects in counties and urban areas according to actual conditions.

The relevant preferential policies issued by the state and the province should be seriously implemented in the relocation of coal mining subsidence areas and the centralized resettlement of ex situ poverty alleviation. Residents in coal mining subsidence areas and ex situ poverty alleviation and relocation can apply for housing loans from commercial banks with the purchased houses as collateral. The original rights and interests of farmers' old village land, trees, cultivated land and so on will remain unchanged according to the current policy.

Farmers in coal mining subsidence areas and ex situ poverty alleviation and relocation into cities and towns enjoy the same rights and interests such as medical care, subsistence allowances and collective economic benefits. Apply for permanent residence, the original enjoyment of rural subsistence allowances, with the household registration to urban subsistence allowances. Their parents, spouses and unmarried children living together can move into cities to apply for permanent residence of urban residents, and their children can receive compulsory education in cities and enjoy the same treatment as children of urban residents. Migrant workers who establish stable labor relations and meet the preferential conditions such as population and family planning and double support work can be included in the scope of housing provident fund deposit. Will give preferential support.

(four) actively cultivate the housing rental market and support real estate enterprises to rent commercial housing.

Increase the protection of monetary subsidies. Adhere to the principle of giving priority to monetary subsidies, supplemented by physical security, and grant housing rental subsidies to urban low-income families with housing difficulties, new employment university graduates and entrepreneurs who meet the access conditions for public rental housing, enhance the ability of low-income residents with housing difficulties to rent housing, and guide the security objects to use monetary subsidies to solve housing difficulties through market channels.

Support real estate development enterprises to transform unsold commercial housing into public rental housing with lease conditions and rent it to the market. For counties and cities with a shortage of public rental housing, the government can also raise public rental housing through long-term rental of commercial housing.

Third, the mode of operation.

The government should strictly follow the government procurement procedures when purchasing stock commercial housing as security housing and resettlement housing, and try to choose a community with good geographical location, complete infrastructure, reasonable apartment structure and convenient production and life for residents. In principle, the purchase price shall not be higher than the average price of similar commodity housing in surrounding areas. The government purchases real estate projects under construction for affordable housing and shed-converted resettlement houses as a whole, allowing them to adjust the construction planning conditions and optimize the apartment structure according to law; The purchase of commercial housing under construction and completed for affordable housing, shed to resettlement housing, need to sign a supplementary contract for land transfer, clear land allocation, land price accounting and other matters.

The government and real estate departments should build service platforms through real estate information websites, real estate fairs and on-site exhibitions. Encourage and guide real estate development enterprises with good social reputation and standardized operation to disclose information such as housing, house price and apartment type through service platforms. After the expropriated person signs the purchase contract with the real estate development enterprise, the government shall directly pay the monetized compensation to the development enterprise to offset the resettlement compensation, and the difference between the purchase price and the resettlement compensation shall be settled or paid according to the prior agreement.

Fourth, the source of funds.

(1) The funds for the government to purchase commercial housing as affordable housing and resettlement houses are mainly raised from the following channels: housing subsidy funds from the central and provincial governments, special subsidy funds from the central and provincial governments, special construction funds arranged by cities and counties (cities, districts), funds not less than 20% of the net income from land transfer, the balance of value-added income from housing provident fund after loan risk reserve and management fees are withdrawn, bonds issued by the central finance on behalf of local governments, and income from selling and renting low-rent housing. A certain proportion of administrative fees, construction funds, bank loans, corporate bonds, social donations and other funds paid by enterprises that fail to build low-rent housing according to regulations.

(2) Actively carry out the government's purchase of shantytown renovation services. Counties (cities, districts) should study and formulate the implementation opinions of government purchasing shantytown renovation services as soon as possible, innovate the way of providing public services, make full use of CDB and Agricultural Development Bank's special loan policies, do a good job in docking projects or houses, improve loan procedures, and strive for maximum loan support.

Verb (abbreviation for verb) organizes leadership.

(1) Strengthen organizational leadership. Housing security, shantytown renovation, coal mining subsidence control and ex situ poverty alleviation relocation are important livelihood projects and development projects. Opening channels for commercial housing, affordable housing and resettlement housing and optimizing the allocation of housing resources are important channels for destocking. All levels and departments must attach great importance to it, strengthen organizational leadership, and make solid progress to ensure effective results. It is necessary to strengthen policy propaganda and create a good working atmosphere.

(two) the implementation of work responsibilities. City Housing Construction Bureau is responsible for the shantytown housing levy and compensation and resettlement work; The Municipal Finance Bureau is responsible for the implementation of housing security and shantytown renovation funds, as well as government procurement of affordable housing and resettlement houses; Municipal Development and Reform Commission takes the lead in the management and resettlement of coal mining subsidence area; The Municipal Poverty Alleviation Office takes the lead in ex situ poverty alleviation, relocation and centralized resettlement; The Municipal Bureau of Land and Resources is responsible for the unified purchasing and storage of the land vacated after the collection of sheds and houses, and do a good job in land acquisition and land management; The Municipal Public Security Bureau is responsible for maintaining public order in the process of transformation according to law and doing a good job in household registration management; City Housing Authority is responsible for housing security related work, review the housing supply of commercial housing, and build a service platform for commercial housing; Other departments shall do relevant work according to their respective responsibilities.

(3) Strengthen supervision and management. It is necessary to strengthen the supervision and management of the whole process of the renovation of commercial housing, affordable housing and resettlement housing, improve the civil air defense measures against corruption risks, openly purchase procedures and the use of funds, and accept social supervision. In the process of collecting compensation, purchasing houses and using funds, the parties concerned shall be held accountable according to law.

General Office of Xinzhou Municipal People's Government

May 17