20 19 shantytown renovation planning and compensation standard in Panzhihua city

County (District) government, municipal departments, enterprises and institutions:

In order to conscientiously implement the new policies related to real estate recently issued by the state, thoroughly implement the spirit of the on-site meeting on the renovation of dangerous houses and shanty towns in the province and the working conference on promoting the healthy development of real estate, give full play to the policy-oriented role, effectively adjust the relationship between supply and demand in the market, control the total amount, digest the stock, promote the stable and healthy development of the real estate industry, and strive to achieve the goal of steady growth and benefiting people's livelihood, combined with the actual situation of our city, we hereby put forward the following interim opinions.

First, increase fiscal and tax credit support and encourage residents' housing consumption.

(A) improve the utilization rate of provident fund

1. Relax the scope of enjoying the first suite policy. In order to improve living conditions, employees apply for housing provident fund loans and have no housing provident fund debts, and implement the first home loan policy. The minimum down payment ratio of the first suite is 20%.

2. Increase the loan amount. The maximum loan amount for employees who pay housing provident fund will be raised from 400,000 yuan to 600,000 yuan; The loan amount shall not exceed 20 times and 30 times of the deposit balance of both husband and wife. If the deposit balance is less than 654.38 million yuan, it shall be calculated as 654.38 million yuan.

3. Relax the loan conditions for houses under construction. Anyone who buys a house in Panzhihua and can provide proof of housing provident fund deposit can apply for housing provident fund loans in Panzhihua.

4. Extend the loan term. First, relax the loan period of re-traded houses, and adjust "the age of re-traded houses is not more than 20 years" to "the sum of loan period and age is not more than 35 years"; Second, the time limit for employees to apply for housing provident fund loans can be extended to five years after retirement.

5. Carry out business-to-business business. Workers who purchase housing with commercial loans can convert commercial loans into housing provident fund loans upon the borrower's application and the consent of the original lending bank.

6. Cancel the intermediate cost of housing provident fund loans. The appraisal fee, notarization fee and installment guarantee fee charged to individuals shall be borne by Panzhihua Housing Provident Fund Management Center, not charged to borrowers.

7. Relax the conditions of cooperation with development enterprises. After the real estate development project obtains the pre-sale permit, the housing provident fund management center can accept, review and issue individual housing loans from the housing provident fund.

8. Relax the time limit for buying houses. If you purchase housing after policy adjustment and apply for housing provident fund withdrawal, the time limit of "handling within one year" will be cancelled.

9. Relax the withdrawal amount of housing provident fund. The withdrawal amount is adjusted from "no more than the previous year's storage balance of husband and wife's housing provident fund" to "no more than the current storage balance of husband and wife's housing provident fund".

10. Carry out self-occupied housing accumulation fund to extract property fees. Deposited employees can withdraw the provident fund to pay the property management fee for self-occupied housing.

1 1. Relax the withdrawal of provident fund account. First, those who are not employed in Panzhihua City (resign or terminate the labor contract) and have no housing provident fund debt can cancel their accounts and withdraw; Second, the spouse of the housing provident fund borrower can directly apply for retirement cancellation when he retires.

(two) improve the standard of individual housing subsidies. For three groups of people who have newly purchased ordinary commodity housing in our city (140m2 and below, including second-hand houses), rural residents in our city, employees of state organs, enterprises and institutions who have not enjoyed welfare housing allocation or subsidy policies, the housing subsidy standard has been raised from the original 1% to 5%, and the subsidy standard for other groups has been raised from the original 1%.

The new housing subsidy standard will be implemented as of the date when the document is issued. The purchase subsidy for ordinary commodity housing purchased before shall be implemented in accordance with the Notice of Panzhihua Municipal People's Government Office on Forwarding the Interim Implementation Opinions on Promoting the Sustainable and Healthy Development of Panzhihua's Real Estate Industry (Panfu Letter [20 14] 1 18).

(three) where the property buyers (family as a unit) to buy commercial housing in Panzhihua City, all counties (districts) administrative divisions identified as the first suite; Old houses with two or more shared bathrooms or incompatible kitchen functions are not recognized as the first suite, and such houses are recognized by the local housing construction department; For families who own a house and have settled the corresponding housing loans, in order to improve their living conditions and apply for loans to buy ordinary commercial housing again, banking financial institutions will implement the first home loan policy.

(4) Financial institutions provide loans (excluding provident fund loans) for households to purchase self-occupied ordinary commodity houses in this city in accordance with national policies, with the loan interest rate not exceeding (including) the benchmark loan interest rate for the same period announced by the People's Bank of China, and the time for signing the loan contract and issuing the loan is from May 1 day to May1day 3 1 day.

(five) the applicable tax rate of deed tax on the transfer of land and housing ownership is reduced from 4% to 3%, which shall be implemented after being approved by the Provincial Local Taxation Bureau.

Two, build a service platform, and actively promote the collection of compensation currency placement.

(six) strengthen policy guidance, through appropriate monetary compensation and incentives, tax relief, financial subsidies, credit support and other preferential measures to guide residents to actively choose monetary resettlement. Actively promote the monetization of dilapidated houses and shanty towns, and strive to achieve a monetization resettlement ratio of more than 70%. At present, projects that have been included in the old reform (shed reform) plan but have not started substantially in the urban area should be adjusted to monetary resettlement with local governments as the main body of compensation.

(seven) the government set up a service platform to organize the supply of housing, and encourage residents to buy commercial housing as resettlement houses through the service platform. The government has detailed and stipulated the scope of application, implementation mode, access conditions and information release of the service platform.

(eight) the transformation of affordable housing security mode, take the measures of physical distribution and monetary subsidies in parallel, to ensure that low-income families with housing difficulties in our city live in a home. First, raise the standard appropriately and encourage the implementation of monetary subsidies to guarantee it. Second, counties (districts) buy back ordinary commercial houses with appropriate areas as public rental houses according to the demand and construction plan of public rental houses.

Third, formulate incentive policies to further optimize the investment environment of the real estate industry.

(9) Advance enterprise income tax according to the lower limit. Real estate enterprise income tax shall be paid in advance according to the lower limit of 10%.

(ten) to pay the supporting fees for urban infrastructure in installments. That is, pay 40% before handling the construction permit, 40% when the main structure of the project is accepted, and 20% before the project is completed and accepted.

(eleven) optimize the housing supply structure. For commercial housing projects under construction, real estate development enterprises are allowed to appropriately adjust the structure of Xing Tao according to market demand without changing the planning conditions. Tap the potential of tourism real estate, Yang Kang, guide development enterprises to develop and build small-sized finished houses according to market demand, and attract middle-aged and elderly people from other places to buy houses.

(twelve) to promote the structural adjustment of real estate land. According to the market situation, the Ministry of Land, Housing and Urban-Rural Development can study and formulate the conversion scheme of undeveloped real estate land use, guide the conversion and utilization of undeveloped real estate land by adjusting land use and planning conditions, and use it for the development and construction of projects supported by emerging industries, pension industries, cultural industries, sports industries and other countries to promote investment in other industries. For projects developed and constructed according to new uses or new planning conditions, the relevant land use procedures should be re-handled, and the corresponding land price should be re-approved.

(13) Increase investment in real estate credit. Encourage commercial banks to increase effective credit input on the basis of risk control, support the normal and reasonable credit demand of qualified real estate enterprises, and give priority to enterprises and projects with good social reputation and good performance but short-term capital turnover difficulties.

(fourteen) to accelerate the construction of urban infrastructure. Accelerate the construction of water, electricity, schools, hospitals, farmers' markets, communications, roads, public transportation, urban greening and other supporting facilities in the ancient buildings of Dashuijing Ancient Buildings, Bing II, Bing III, Bing IV, Renhe and Qingxiangping.

(fifteen) to create a good atmosphere of public opinion. Further standardize the real estate development and operation behavior, rectify the real estate market order, and protect the legitimate rights and interests of consumers. Make full use of various media, vigorously publicize the current situation of real estate development in our city and good conditions such as geographical climate, and strive to stabilize market confidence.

Four, this interim opinion shall be implemented as of the date of issuance of the document, and the validity period is tentatively set at one year. Panzhihua City Housing and Urban-Rural Planning and Construction Bureau is responsible for the interpretation and cooperation of relevant departments. Inconsistent with this, according to this interim opinion.

Panzhihua Municipal People's Government

May 12

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