Nansha, Guangzhou: * * * Property housing can be loaned, and you can apply for listing and trading after 8 years.

On October 24th, official website, the district government of Nansha, Guangzhou, Guangdong Province, officially issued the Detailed Rules for the Management of * * * Property Housing in Guangzhou Nansha New District. The share of property rights of buyers is determined according to the proportion of the actual investment to the appraised price of * * * property housing purchased. In principle, the share of property rights of buyers should exceed 5%, but not more than 8%. * * * Housing with property rights can be loaned, and different families can determine according to their own ability to pay, and their share of property rights can be different.

for the * * * housing with property rights that has been 8 years since the purchaser approved the property rights registration, the purchaser can submit an application for listing transfer to the Housing and Urban-Rural Development Bureau of Nansha District according to the relevant regulations, and after the application is passed, the price of the government share will be paid back at the purchase price.

At the same time, the Implementation Rules stipulates that if the purchaser defaults in repaying the loan, the entrusted state-owned enterprise in Nansha District will repurchase the purchaser's share according to the purchase contract. If the purchaser sublets, the Nansha District Housing and Urban-Rural Development Bureau will recover his illegal income and even order him to vacate the house. The Detailed Rules for Implementation shall be implemented as of the date of issuance and shall be valid until November 5, 221.

The first pilot project of * * * housing with property rights in Nansha District is the first garden. Information Times data map

In November 218, the Nansha District Government of Guangzhou issued the first normative document on Guangzhou's * * * property housing, namely "Administrative Measures for Guangzhou Nansha New District Pilot * * * property housing (Provisional)", and in the same year, the first garden of Nansha City Investment Company was selected as the first * * * property housing pilot project in the district. This time, the "Implementation Rules" was drafted by the Housing and Urban-Rural Development Bureau of Nansha District as a supporting document for the promulgated "Administrative Measures".

One room and one price

The * * housing with property rights mentioned in the Detailed Rules for Implementation refers to the policy support provided by the government, which is developed and built by the development and construction units in accordance with relevant standards, and provided to eligible people. The average selling price is lower than the price level of commercial housing with the same lot and quality, and the right to use and dispose is limited, and the policy housing with property rights between the government and the purchaser is implemented.

according to the detailed rules for implementation, the sales price of * * * property housing is evaluated by a third-party independent professional evaluation agency according to the market situation at the time of the listing, and the "one room, one price" is set based on the floor, orientation, area, landscape and other factors, according to the principle that the price of ordinary commodity housing in the same location and the same quality is lower than the sales time, and it is reported to the District Housing and Urban-Rural Development Bureau for the record according to procedures before the sale. When the remaining houses are sold again, it is necessary to re-determine the sales price according to the market price at the point of sale.

the detailed rules for implementation explains the share of property rights. the share of property rights of buyers is determined according to the proportion of the actual investment (including the principal of mortgage loan) to the appraised price of the purchased * * * property rights housing. in principle, the share of property rights of buyers should exceed 5%, but not more than 8%. This ratio should be fixed when signing the subscription book, that is to say, the share of property rights of different families in the same property can be different, and the purchaser can determine the share of property rights purchased according to his own ability to pay. * * * The share of government property rights of property houses is held by the state-owned enterprises entrusted by the District Housing and Urban-Rural Development Bureau as the holding agency.

The Detailed Rules for Implementation clearly states that the purchaser can apply for housing loans such as housing provident fund and commercial bank loans in accordance with relevant regulations. The loan institution, the development and construction unit, the purchaser and the entrusted state-owned enterprise sign the real estate mortgage contract, and the loan institution pays the mortgage share to the development and construction unit, and the purchaser repays the loan according to the mortgage loan contract.

The entrusted state-owned enterprises make a repurchase commitment to the mortgage bank. When the purchaser defaults in repaying the loan, the entrusted state-owned enterprises will repurchase the purchaser's share according to the purchase contract, and then fulfill the corresponding repayment obligations to the bank.

after the application for listing circulation is passed, the price of the government's share will be paid back at the purchase price

It is worth noting that in Nansha District, Guangzhou, there are two restrictions on the listing circulation of * * * property houses.

the first timeline is 5 years. If the purchaser is less than 5 years old from the date of approval of property right registration, it is not allowed to withdraw from the listing. If it is really necessary to withdraw or be vacated due to various reasons, the entrusted state-owned enterprises will buy back the share of property rights of the purchaser. If the purchaser has completed 5 years but less than 8 years since the date of approval of property registration, he can use the internal circulation method (that is, transfer to other families who also meet the purchase conditions of * * * property housing) to realize circulation withdrawal and retain the nature of * * * property housing.

the second timeline is eight years. when the purchaser has completed eight years from the date of approval of the property registration, the purchaser can adopt the external circulation method and submit a listing application to the District Housing and Urban-Rural Development Bureau in accordance with the relevant provisions on external circulation in the Detailed Rules for Implementation, so as to change the original property right nature of the house into commercial housing.

it is clear in the detailed rules for implementation that the purchaser must first obtain a written decision made by the entrusted state-owned enterprise not to give priority to the purchase before signing a contract with the new purchaser through consultation. Both of them need to pay the share price of government property rights to the designated account at one time within the time limit.

back payment = transaction price of housing project at the time of applying for purchasing the share of government property rights × housing construction area× share of government property rights.

after the payment is made, the transferor and transferee shall go to the district real estate registration center to register the transfer of real estate with written proof that the government property share price has been paid, and change the * * * property housing into commercial housing.

if the transfer price of the purchaser is obviously low (lower than 8% of the market price of similar housing), the entrusted state-owned enterprises will exercise the preemptive right and purchase the original purchaser's share of property rights at the quoted transfer price.

Real estate agents are not allowed to act as agents for the sale and rental of * * * property houses.

It is clear in the Detailed Rules that the supply targets of * * * property houses in Nansha District are mainly divided into two categories, namely, * * property-guaranteed housing for low-income families with housing difficulties in urban households in this area, and * * property-guaranteed housing for talents in key development areas in the region and youth in Hong Kong and Macao.

There are some differences between talents in short supply and young people from Hong Kong and Macao.

In terms of identification materials, talents in short supply need to provide the applicant's ID card and household registration book (photocopy, original on-site verification), while Hong Kong and Macao youths need to provide the applicant's Hong Kong and Macao residents' pass to and from the Mainland (photocopy, original on-site verification); At the same time, talents in short supply can choose to provide one of the academic qualifications and degree certificates, professional qualification certificates or related professional qualification documents, professional qualification certificates or professional and technical qualification certificates according to the actual situation, while young people in Hong Kong and Macao only need to provide degree certificates; In addition, talents in short supply also need to provide labor contracts or related documents to establish labor relations, as well as social security payment documents or personal income tax payment records, while young people from Hong Kong and Macao need to provide valid work/study/residence documents in the region.

The Detailed Rules for Implementation stipulates that if the purchaser rents the house privately in violation of the agreement, the District Housing and Urban-Rural Development Bureau shall order him to stop renting and recover the illegal income; Violation of the destructive use of housing, resulting in housing damage, affecting their own and neighborhood living safety, the District Housing and Urban-Rural Development Bureau should be ordered to invest in the repair of housing, restore the conditions of use, to ensure the safety of living, if the circumstances are serious, shall be investigated for legal responsibility.

If a person refuses to make corrections, or the corrective measures are ineffective, the District Housing and Urban-Rural Development Bureau may order him to vacate his house and prohibit him from applying for all kinds of affordable housing and policy housing in the district again within 1 years. If the circumstances are serious, he shall be investigated for legal responsibility.

in addition, real estate agencies and their brokers are not allowed to act as agents for the sale and lease of houses with property rights in violation of regulations. If the business is carried out in violation of regulations, the District Housing and Urban-Rural Development Bureau shall order it to make corrections within a time limit and impose a fine of less than 1, yuan on real estate brokers; For real estate brokerage institutions, the qualification for online filing shall be cancelled, and a fine of less than 3, yuan shall be imposed. If the circumstances are serious or cause adverse effects, relevant legal responsibilities shall be investigated.