Desalination of unsalable property

65438+1 October 2 1, the newspaper learned from official website, the people's government of Baiyin City, Gansu Province, that Baiyin City issued the "One City, One Policy" Work Plan for Establishing a Stable and Healthy Real Estate Market in Baiyin City on June 65438+1October/0/.

The document proposes that efforts should be made to keep the land price, house price and rent level within a reasonable range and promote the smooth operation of the real estate market.

Target of stable land price: the floor price increase of the land to be sold is not higher than the price increase of new commercial housing in the same area last year.

Target of stabilizing housing prices: The price increase of new commercial housing should not exceed the difference between the annual disposable income increase of urban households and CPI (Consumer Price Index).

Stabilize the expected goal: realize the healthy development trend of the real estate market with orderly development, balanced supply and demand, diversified security, reasonable price, controllable risks and expected stability.

According to the document, the price increase control target of commercial residential land with the same benchmark land price range, the same transfer conditions and similar plots in 2022 should not exceed 12% and 5438+0 of the transfer land price in 2026. It is determined that in 2022, the control target of sales price increase of new commercial housing in the city is 7%, the control target of sales price increase of second-hand housing is 7.6%, and the cycle of commercial housing is 26 months. Starting from 2023, the annual land price, housing price increase target and commodity housing de-cycle will be determined at the beginning of each year.

In terms of precise regulation of the real estate market, Baiyin proposed 13 measures. The document proposes to strictly implement the filing system of urban commercial housing prices. Before the opening sale of new commercial housing projects of development enterprises, the sales price of new commercial housing needs to be reported to the competent price department for the record. When commercial housing is listed and traded, the online signing price of commercial housing transaction shall not be higher than the filing price. Real estate development enterprises should reasonably determine the declared sales price when filing the price of new commercial housing, and strictly implement the system of clearly marking the price of new commercial housing, one set of one standard and one price clearing. For real estate development enterprises that refuse to accept price filing, the real estate administrative department shall suspend their online signing qualification for filing. Real estate development enterprises need to apply to the city and county real estate administrative departments for the pre-sale permit of commercial housing within 15 days after the completion of the filing of commercial housing prices.

The document proposes to do a good job in financial services for the merger and reorganization of risk disposal projects of real estate enterprises. All counties and districts should urge real estate enterprises involved in risks to actively help themselves, and relevant departments should strengthen coordination and guidance and promote project docking. Encourage financial institutions to increase their support for high-quality real estate projects and support the "Education Building" in accordance with the principles of marketization and rule of law. Support financial institutions to provide bond issuance, financing consultancy and other services for the transfer and merger of risk disposal projects of key real estate enterprises. Encourage high-quality real estate enterprises to issue corporate credit bonds and raise funds for M&A risk disposal projects. Explore the implementation of the housing ticket policy and encourage state-owned enterprises to buy unsalable houses of difficult real estate enterprises as resettlement houses. Actively use the special loans declared by the sold overdue residential projects, formulate the implementation plan of "one floor, one policy", form the physical workload as soon as possible, and ensure the completion and delivery of the project.

Baiyin City proposed that it will increase the support of provident fund. Strictly implement the policy of "the minimum down payment ratio for individuals to purchase the first set of housing through commercial banks and provident fund loans is not less than 20%, and the minimum down payment ratio for the second set of housing is not less than 30%". Individuals buy houses through provident fund loans. The maximum amount of provident fund loans is 600,000 yuan, and the longest loan period is 30 years. Expand the online channel of "rushing to repay the loan" to reduce the pressure on employees to return their houses. For all kinds of "Long Yuan talent card (service card)" cardholders, formulate preferential policies for housing provident fund withdrawal and loan differentiation.

Reduce the burden of personal housing consumption, increase the issuance of personal housing mortgage loans, and guide financial institutions to implement preferential loan interest rates in accordance with regulatory requirements. For families who own a house and have settled their house purchase loans, financial institutions will implement the first home loan policy if they apply for loans to buy houses again in order to improve their living conditions. Support new citizens to buy houses, and encourage new citizens and flexible employees to establish and pay housing provident fund. If the housing provident fund is paid in silver, the housing provident fund withdrawal and loan business shall be handled in accordance with the same conditions for employees who have paid the housing provident fund in this Municipality.

Silver supports the housing needs of filial piety and old-age care. For adults working and living in Baiyin who need to bring their parents and other close relatives from different places to live in Baiyin, support them and allow their families to buy new houses; Families who have two or three children in line with the national birth policy are allowed to buy a new house and implement the first-home housing provident fund policy. Give policy support to the implementation of the aging transformation of old residential areas and the design and construction of new projects.

In terms of optimizing land supply measures, the document proposes to scientifically determine the pace of land supply. Focusing on deepening the structural reform of the land supply side, we will analyze and judge the land market from both ends of supply and demand, and fully consider the de-chemicalization cycle of commercial housing: if the de-chemicalization cycle exceeds 36 months, land supply will be stopped; 18-36 months, reducing land supply; 6-1February, increase land supply; For less than 6 months, not only should the land supply be greatly increased, but also the pace of land supply should be accelerated. Baiyin Housing and Construction Bureau should timely feedback the cycle of commodity housing to the Municipal Bureau of Natural Resources, and the Municipal Bureau of Natural Resources should reasonably determine the pace of land supply.

Silver also requires optimizing the supply structure of residential land. In view of the shortage of land supply for market-oriented rental housing, combined with the real estate market and the inventory of commercial housing, we will improve the current policy. Encourage the revitalization of urban stock land and adopt various ways to increase the effective supply of rental housing land. First, under the premise of meeting the planning, enterprises are allowed to use their own land construction agreements to transfer land for socialized rental operation; The second is to encourage investment in the construction of market-oriented rental housing. The land transfer fee for newly-built rental housing projects can be paid in installments, and can be paid within one year after the signing of the contract for transferring the right to use state-owned land. The down payment ratio shall not be less than 50% of the total land transfer price.