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

County People's governments, municipal government departments and directly affiliated institutions:

In order to conscientiously implement the national policies and measures to stabilize housing consumption and promote the stable and healthy development of the city's real estate market, combined with the actual situation of Ankang, the following opinions are put forward:

First, fully implement the national and provincial real estate preferential policies.

(1) Increase the effective supply of real estate credit. Actively explore credit businesses such as syndicated loans, financial leasing, collective trust and mortgage of projects under construction, and promote the innovation of real estate credit products and guarantee methods. The down payment ratio of residents who use commercial loans to purchase the first suite is reduced to 30%, the down payment ratio of those who have repaid the first suite loan to purchase the second suite is reduced to 30%, and the down payment ratio of those who have not repaid the first suite loan to purchase the second suite is reduced to 40%; The down payment ratio of residents using housing provident fund entrusted loans to purchase the first suite was lowered to 20%. The specific down payment ratio and interest rate level shall be reasonably determined by financial institutions according to the borrower's credit status and repayment ability.

(2) Implement the business tax relief policy. If an individual purchases a house for less than 2 years and sells it to the outside world, the business tax shall be levied in full; Individuals who purchase non-ordinary houses for more than 2 years (including 2 years) for external sales shall be subject to business tax according to the difference between their sales income and the purchase price; Individuals who purchase ordinary houses for more than 2 years (including 2 years) for external sales shall be exempted from business tax.

(3) Reduce the tax burden of housing transactions. Personal housing sales are temporarily exempt from stamp duty and land value-added tax. For those who buy commercial housing and belong to the only family housing, the deed tax will be levied at half the rate of 9 1- 144 square meters, and the deed tax will be levied at the rate of 1% below 90 square meters.

(four) strictly implement the national fee reduction policy. All relevant departments should strictly implement the administrative fees explicitly cancelled in China and shall not charge them in disguised form. Power supply and other departments involved in the power supporting construction related costs should be charged at a low level.

Two, to further clarify the supporting policies to support the development of the real estate industry.

(5) Increase enterprise policy support. For development enterprises with operational difficulties, the rates of basic medical care, unemployment, work injury and maternity insurance for urban workers except endowment insurance can be reduced in stages. After purchasing a commercial house, the purchaser can go through the admission formalities in the school district to which the commercial house belongs with the purchase contract. When the development enterprise handles the credit business, the intermediate fees such as renewal premium and evaluation fee involved in real estate can be charged by half. Accelerate the pace of decoupling and restructuring involving party and government organs and affiliated intermediaries of institutions, and gradually push them to the market.

(six) unauthorized adjustment of housing development units. Cancel the proportion limit of commercial housing development projects, and allow development enterprises to adjust the housing units that do not meet the market demand without changing the necessary planning conditions such as land use nature and floor area ratio.

(seven) the implementation of the construction fee deferred payment policy. For the real estate development projects that started construction in that year, the construction application fee involving various departments can be paid in two times, that is, 50% when handling the construction permit, and the remaining 50% when handling the pre-sale permit of commercial housing.

(8) Implement a loose land policy. On the existing basis, the bid bond amount is reduced to 20% of the minimum land transfer price. Installment payment is allowed for land sold by bidding, auction and hanging. After the land use right transfer contract is signed according to the procedures, the bidder can pay 50% of the transfer price within 1 month after the contract is signed, and the balance can be paid in installments within 1 year according to the transfer contract.

(9) Relax the conditions of provident fund loans. Increase the maximum amount of housing provident fund loans to 500,000 yuan, and extend the loan period to 30 years, which can be extended for 5 years after reaching the statutory retirement age; Individuals who purchase self-occupied housing are allowed to withdraw their immediate family members (including parents and children) housing provident fund to pay for the purchase; Allow paid employees to withdraw housing provident fund for rent and related expenses arising from property management; Encourage banking financial institutions to continue to issue commercial individual housing loans and housing provident fund entrusted loan portfolio loans to support households to buy ordinary self-occupied housing.

Three, control and digest the existing affordable housing construction scale

(10) Open the "four rooms" conversion channel. We will establish a "four-room" conversion mechanism for affordable housing, shantytown renovation, resettlement of migrants in southern Shaanxi and commercial housing. Combined with the monetization resettlement policy for shantytown renovation, we will allow the acquisition of affordable housing and vacant commercial housing as resettlement houses for shantytown renovation, allow the relocation of migrants in southern Shaanxi to connect with affordable housing and vacant commercial housing, and integrate housing resources to solve the inventory problem of commercial housing by forming a linkage conversion mechanism.

(eleven) reduce and digest the scale of affordable housing construction. In the future, in addition to independent industrial and mining areas, the central city will no longer approve new price-limited commercial housing and affordable housing projects, and the government will no longer directly organize the construction of public rental housing. For affordable housing projects that have been approved for construction, the remaining housing can be converted into commercial housing for external sales on the basis of accounting and paying relevant taxes and fees under the condition of realizing full coverage of the security objects.

(twelve) adjust the policy of enterprises to build public rental housing. First, the calculation base of public rental housing area is adjusted from the total real estate area to the total development area; The proportion of public rental housing decreased from 5% to 2.5%; The relocation area that meets the resettlement conditions can be deducted from the construction task; The proportion of payment for the construction of public rental housing in different places has been reduced from 10% to 5%. Second, when the planning department issues the planning and design conditions for commercial residential land, it should allocate and build public rental housing in strict accordance with the proportion of 2.5%. When handling the procedures for transferring commercial residential land, the land department must transfer the land in strict accordance with the planned use of the parcel, and incorporate the public rental housing construction into the planning and design conditions of the land transfer contract, and the nature of the public rental housing construction land is allocation; When the planning department handles the examination and approval procedures for the planning of development projects, it must also require the development enterprises to design public rental housing on their behalf, and indicate the construction scale and location of public rental housing when handling the planning permission. The third is to transfer the price of some construction land on behalf of enterprises, and reduce the administrative fees involved. Fourth, in the past, because the land and design were not in place, the construction task of this period could not be implemented, and it could be built in different places after the application of enterprises. Fifth, for those who do not enjoy the policy of land allocation and tax reduction and exemption, and should be built in different places without implementing the task of agent construction, after the application of the enterprise, they will pay 50% of the construction costs in different places according to the prescribed standards. Sixth, for the newly developed agent construction projects, the housing security department shall prepare the provincial investment subsidy project materials, and the investment shall be calculated at the cost price, and the property rights shall be owned by the government and enterprises.

Fourth, effectively improve the external environment for the development of the real estate industry.

(thirteen) focus on solving the problem of supporting infrastructure. Give priority to supporting water, electricity, roads, gas, communications and other construction projects outside the commercial housing development area. In line with the principle of giving priority to public supporting service facilities, we will rationally allocate service facilities such as hospitals, schools, fitness centers, restaurants, garages and supermarkets through the guidance of government organizations. Water supply, power supply, gas supply and public service facilities in newly-built residential areas shall be read by meter to households. Water supply, power supply, gas supply and other enterprises in the implementation of community construction, to be open and transparent, reasonable cost, optimize services, and severely crack down on industry monopoly.

(fourteen) to effectively solve the problem of difficult payment of land demolition. In the past, land transfer involved house demolition, grave relocation and compensation for young trees and young crops. , land, land expropriation and other relevant departments should do a good job in related follow-up work to ensure the smooth implementation of the project construction of land-using enterprises.

(fifteen) to support the optimization and reorganization of real estate enterprises. Guide real estate enterprises with credit strength and brand advantages to form large enterprises and enterprise groups with strong competitiveness through mergers, acquisitions and restructuring. For development projects with transfer conditions, enterprises are allowed to cooperate by means of investment, shareholding or transfer, encourage large-scale development and group management, and support enterprises to carry out cross-regional, diversified and branded operations.

(sixteen) to promote the real estate enterprises to optimize the industrial structure. Encourage and guide real estate development enterprises to expand tourism, pension, business and other fields within the scope of the main functional areas of the country, and increase the real estate market share. Through the mode of government leading and market operation, we will guide development enterprises to participate in shantytown renovation and municipal facilities project construction.

(seventeen) strictly limit disguised real estate development. Strictly control the examination and approval of unauthorized construction, strictly prohibit and investigate illegal real estate development behaviors such as unauthorized construction, unqualified development and small property rights, and create a fair, open and just market competition environment for enterprises.

Five, strengthen guidance services to promote the healthy and stable development of the real estate market.

(eighteen) to strengthen the supervision and management of the real estate market. Give full play to the industry self-discipline role of real estate associations, and guide and cultivate enterprises to operate with integrity. Further strengthen the supervision of the real estate market, maintain the order of the real estate market, strengthen the daily law enforcement inspection of the real estate market by planning, housing construction, industry and commerce, price and other departments, and severely investigate and deal with all kinds of illegal acts according to law. For illegal real estate enterprises, increase exposure and punishment. If the circumstances are particularly serious, the qualification for real estate development shall be cancelled according to law.

(nineteen) to strengthen departmental cooperation and services. Strengthen the information communication and work cooperation of development and reform, finance, land, unified levy, planning, housing construction, taxation, finance and other departments, establish a real estate joint meeting system, and timely study and solve the contradictions and problems existing in real estate management. According to the daily information system of commercial housing and stock real estate, strengthen the analysis and research on the operation and development trend of the real estate market, and regularly publish the land supply, housing supply and housing price changes. Carefully sort out real estate projects, land supply, planning permission, construction permission, pre-sale permission, completion acceptance, property registration and other work links, simplify procedures, shorten the time limit for examination and approval, and strictly implement the time limit system for examination and approval and service matters. Fire protection, civil air defense, power supply, gas supply, water supply, meteorology, communications and other departments have effectively opened up green channels for real estate projects.

(twenty) adhere to the correct direction of public opinion. Correctly interpret the current policies to promote the stable and healthy development of the real estate market, actively create a good atmosphere conducive to the development of the real estate industry, stabilize the expectations of the real estate market, boost the confidence of the real estate market, guide real estate enterprises to rationally set housing prices, exchange prices for quantity, and promote the rational return of commercial housing prices and the rapid rebound of the sales market.

This opinion shall come into force as of the date of issuance and shall be valid for two years. If the relevant provisions previously issued by the municipal government are inconsistent with this opinion, this opinion shall prevail. Where laws, regulations and provincial policies provide otherwise, such provisions shall prevail. Departments of development and reform, finance, planning, housing construction, land, unified taxation, taxation, fire protection, finance, power supply, water supply, communications, meteorology and other departments at all levels may formulate specific policies and measures of their own departments according to this opinion.

Ankang Municipal People's Government

August 6(th)