Preferential policies for post-disaster real estate in Chengdu

The first batch of "super 10" rules of Chengdu's new real estate policy were issued.

Focus Real Estate Network house.focus.cn June 30, 2008 09:44 Chengdu Real Estate Report Wu Xue

Chengdu Real Estate Management Bureau officially issued the Notice on Defining whether the sold commercial houses enjoy preferential policies.

Just one week after the opinions were issued, Chengdu Real Estate Management Bureau officially issued the Notice on Defining whether the commercial houses sold enjoy preferential policies, which further clarified the trading hours of commercial houses and the provisions on enjoying preferential policies.

It is clear in the notice: 1. Commercial houses that have been signed for filing before June 15, 2008 and cancelled after June 15, do not enjoy relevant preferential policies; Two, the development of enterprises should be in a prominent position in the sales website of the purchase information can not enjoy the relevant preferential policies for publicity, convenient for property buyers to inquire. Development enterprises have the obligation to inform (buyers should also take the initiative to confirm) whether they enjoy relevant preferential policies when buying a house; Three, development enterprises and property buyers should confirm in writing whether the house enjoys the relevant preferential policies and regulations when signing the house sales contract; Four, the housing management department will supervise and inspect the situation.

After you get the property right certificate, you can get the house sticker.

Stop withdrawing equipment: June, 2008 15 is the time division point. Those who quit after filing before do not enjoy the preferential measures of "Extraordinary Article 10".

Publicity obligation: the sales site should publicize the houses that can enjoy preferential policies, and the sales representative has the obligation to inform.

Text confirmation: before signing the commercial housing sales contract, both consumers and developers should sign the preferential policies they enjoy.

Authoritative solution housing management

When can I buy a house and enjoy the subsidy?

Q: When can I enjoy the housing subsidy policy?

A: From June/0/5, 2008 to February/0/3, 2009, all buyers in and outside the city who meet the requirements of the Opinions can enjoy financial subsidies when buying houses in five urban areas (including high-tech zones) of Jinjiang, Qingyang, Jinniu, Wuhou and Chenghua. Definition of purchase time: the new commercial housing is based on the online signing filing time, and the stock room is based on the acceptance of sales transfer registration time.

Q: If the commercial housing that has been cancelled after signing the contract is purchased again, can I enjoy the purchase subsidy?

A: Any commercial house that signed a contract for filing before June 15, 2008, and cancelled the filing after June 15, does not enjoy the purchase subsidy. Commercial housing that signed a contract for filing after June 15, 2008 and then canceled the filing can enjoy the purchase subsidy. In other words, if the record is filed before June 15, our housing management department will lock the property to prevent someone from taking advantage of the policy loophole and enjoy preferential policies in the form of cancellation of the record and re-purchase.

Q: I bought a second-hand house on June/0/2, 2008, and went through the transfer formalities on June/0/6. Can I enjoy housing subsidies?

A: Yes. The second-hand house is subject to the registration time of accepting the sale and transfer. Your house was just after June 15, 2008, and you can enjoy the purchase subsidy. Deed tax subsidy is the deed tax paid by subsidizing 50% of local income. If you buy a second-hand house with the property ownership certificate less than 144 square meters (including 144 square meters), you can also get a financial subsidy of 1% of the total purchase price.

When can I get the housing subsidy?

Q: When can I get the housing subsidy? What information should I bring and where can I get it?

Answer: The purchaser can only receive the house purchase subsidy after receiving the house ownership certificate. You can go to the Real Estate Sub-center of Chengdu Municipal Affairs Service Center to receive the house purchase subsidy with the information such as house ownership certificate, resident ID card and relevant tax payment certificate. Chengdu Housing Authority will verify the issuance within 3 working days.

Q: I am eligible for housing subsidy, but I didn't apply for the property right certificate before 65438 in 2009+3/kloc-0 in February 2009. How can I apply for it before I can get the housing subsidy?

A: During the implementation of the housing subsidy policy, buyers who have not received the financial housing subsidy funds because they have not applied for the ownership certificate can still apply to Chengdu Housing Management Bureau, which will apply to the Municipal Finance Bureau for allocation of funds on a quarterly basis according to the application, and make centralized payment on a regular basis.

How to implement the preferential policies for purchasing houses in suburban counties?

Q: Can I get subsidies for buying a house in a suburban (city) county?

A: According to the preferential policies for purchasing houses in the Opinions, the scope of application is Jinjiang, Qingyang, Jinniu, Wuhou and chenghua district (including high-tech zones) in our city, and other districts (cities) and counties in our city can refer to it. Whether you can enjoy the housing subsidy in suburban counties of Chengdu depends on whether the local government has formulated specific policies.

Q: Can I enjoy the subsidy for buying a house for the second time or many times?

A: If your original house has potential safety hazards due to collapse or damage, and you need to buy a commercial house, you can not only enjoy the preferential credit policy for the first purchase, but also enjoy the purchase subsidy. There is no limit on the number of purchases in the Opinions. As long as you buy a qualified house within the prescribed time limit, you can enjoy the corresponding purchase subsidy.

Q: What kind of house can enjoy the purchase subsidy?

A: The purchase of houses mentioned in the Opinions includes the purchase of ordinary commodity houses, other commodity houses, houses with existing house ownership certificates and commodity houses. The purchase of the above types of real estate can get different amounts of subsidies.

What does the housing subsidy include?

Q: What subsidies can I get for buying a house?

A: Financial subsidies for house purchase include deed tax subsidies, financial subsidies and personal income tax subsidies. Eligible buyers can receive housing subsidies. Specifically:

(1) Deed tax subsidy: the purchase of ordinary commodity housing is fully subsidized according to the local income of the deed tax paid (the current policy is 65% of the total deed tax). The purchase of other commodity houses and existing houses with ownership certificates will be subsidized by 50% of the local income that has been paid deed tax.

(2) Financial subsidy: for the purchase of commercial housing of less than 90 square meters (including 90 square meters), a subsidy of 1.5% of the total purchase price shall be given. If you purchase 90- 144 square meters (including 144 square meters) of commercial housing, you will be subsidized by 1% of the total purchase price. If you purchase 144- 180 square meters (including 180 square meters) of commercial housing, you will be subsidized by 0.5% of the total purchase price. If the ownership certificate is less than 144 square meters (including 144 square meters), the purchase subsidy shall be given at 1% of the total purchase price.

(3) Individual income tax subsidy: taxpayers who paid individual income tax in our city purchased commercial housing in Jinjiang, Qingyang, Jinniu, Wuhou and chenghua district (including high-tech zones) from June 15, 2008 to May13, 2009. Subsidize the local income portion (the current policy is 26% of the total personal income tax) of personal income tax (excluding personal income tax on bank savings deposits) paid from the year of purchase to February 3 1 day, but the maximum amount shall not exceed100000 yuan. Liquidation after the deadline.

Q: If a house is owned by more than one person, can each property owner enjoy the income tax subsidy?

Answer: 1 Only 1 owners can enjoy the house.

Authoritative answer library

This week, the reporter learned from Sichuan Branch of China Construction Bank that Sichuan Branch of China Construction Bank launched four major measures of "Rebuilding Homes" to fully cooperate with the post-disaster reconstruction of government departments and strongly support customers in the affected areas to settle down and rebuild their homes. It is understood that this is also the first bank to issue new mortgage service measures after the Chengdu Municipal People's Government issued the "Opinions on Promoting the Recovery and Development of the Real Estate Industry and Supporting Home Ownership" on June 16. Our reporter interviewed the relevant person in charge of Sichuan Branch of China Construction Bank and answered questions of public concern.

Q: After this opinion was issued, CCB immediately launched the "maximum tax subsidy credit line of 65,438+10,000 yuan". What does this policy mainly mean?

A: In the Opinions, the policy for individual tax subsidy is: "Taxpayers in our city who purchase commercial housing before May 3, 20091will subsidize the local income of personal income tax (excluding personal income tax on bank savings deposits) paid from the year of purchase to 20 10, with a maximum of 654.38 million yuan."

That is to say, the subsidy object is provided as a reference for tax payment in the three years from 2008 to 2065438+00, and the buyers can only get the corresponding government subsidy after three years, and this preferential measure is to evaluate the subsidy amount with reference to the tax payment of customers in 2007, which is equivalent to providing the corresponding amount to customers three years in advance.

Customers can apply to the credit department of CCB, and CCB will provide the maximum tax subsidy credit line of 654.38+10,000 yuan in advance. Its essence is to let customers benefit from the preferential measures of the government in advance, that is, to cash in the preferential policies of government subsidies in advance. This is also the biggest "bright spot" in the preferential measures introduced by China Construction Bank.

Q: For customers in disaster areas, how much benefit can the benchmark interest rate fall 15%?

A: For customers in disaster areas who buy houses or use them for post-disaster life, CCB will give the most favorable mortgage interest rate-the benchmark interest rate will be lowered 15% to minimize the financial burden of customers. At present, the benchmark interest rate for more than five years is 7.83%, calculated by Chengdu ordinary loan of 300,000 yuan. If the loan lasts for 20 years, you need to pay interest of 29464 1.62 yuan. When the interest rate drops by 65,438+05%, the interest rate is 6.656%, and after 20 years of loan, the total interest is 243,445.66 yuan. That is to say, the 20-year interest of 300,000 yuan saves customers 5 1 195.96 yuan, and the preferential margin is very considerable.

Q: The Opinions have made relevant provisions for customers who cannot repay their loans on time due to the earthquake. How does CCB implement it?

A: For customers who can't repay the loan on time due to the earthquake, a special grace period is given-6 months to suspend the payment of the loan principal and interest.

Q: Does CCB have any convenience measures?

A: Open up a green channel for personal credit for the affected customers and solve their urgent needs in time.

Authoritative answer and household entry

After the implementation of the "Opinions", what adjustments will be made to Chengdu's housing purchase policy? Can a 70㎡ house be settled in Chengdu? Our reporter interviewed the relevant person in charge of the accreditation hall of Chengdu Public Security Bureau.

Q: It is mentioned in the notice that "anyone who buys commercial housing of more than 70 square meters in our city can go through the formalities of entering the household according to relevant regulations". Then, what changes have this policy made compared with the previous "90m2 households" policy?

A: There are two main differences: First, the types of houses are different. According to the Opinions of Chengdu Municipal Party Committee and Chengdu Municipal People's Government on Deepening the Reform of Household Registration System and Deepening the Integration of Urban and Rural Areas (Trial) (hereinafter referred to as the Opinions on Household Registration), which was officially implemented on June 20, 2006, "The purchase of commercial houses or second-hand houses in the central city, districts (cities) and counties of our city and the built-up areas of established towns is over 90 square meters, and the actual residents and users are the same as our city, that is to say, the original policy stipulates. At present, the new policy will adjust the purchase area of commercial housing to 70 m 2; ;

Second, the time period of policy implementation is different. The period when the original policy was not implemented was from 20061October 20, 65438, while the new policy stipulated that "this opinion shall be implemented from the date of publication to February 3, 20091day", that is, before February 75438+0, 2009.

Q: It is mentioned in the notice that the implementation period of the new policy is "this opinion will be implemented from the date of promulgation to February 3, 20091",so when will the "70m2 households" policy be implemented? How to define the time to buy a house?

A: The policy implementation period is from June 2008 15 to February 3, 20091day. Anyone who buys a house during this period can enjoy the 70㎡ household registration policy. The purchase time is subject to the online filing time of the Housing Authority. If you bought a house before June 15 but didn't file it online, you can still enjoy the new policy, but if you bought a house before June 15 and filed it, you won't enjoy the policy.

Q: Do you enjoy the "70㎡ household policy" when you buy a second-hand house over 70㎡? Does it include shops?

A: According to the opinion, "Anyone who buys commercial housing of more than 70 square meters in our city can go through the household formalities according to the relevant regulations". Second-hand housing belongs to commercial housing and enjoys this policy, but the policy stipulates "commercial housing", so shops and second-hand shops are not included.

Q: What's the difference between a second-hand house and a new house?

A: The required materials are different: 1. If the commercial house has been paid in full and the title certificate has been obtained, the title certificate and purchase invoice (original and photocopy) shall be provided; If the property right certificate is not obtained, the house purchase contract (original and photocopy) filed by the housing management department shall be provided. 2. If the second-hand house has paid the full amount and obtained the property right certificate, provide the property right certificate (original and photocopy) provided by the archives of the Housing Authority and the printed copy of the house sales contract. 3. If the commercial house is purchased by mortgage, provide the purchase contract filed by the housing management department (if the second-hand house is purchased by mortgage, provide the printed copy of the house sales contract provided by the archives of the housing management bureau) (original), bank mortgage notarial certificate (original and photocopy) and bank mortgage payment certificate (original) for the last 6 months.

Q: What materials do you need to go to the house?

A: The required materials include: household application form, household registration certificate (or household registration book), resident ID card, kinship certificate, occupancy certificate, house property certificate or purchase contract filed by the housing management department, one-time payment invoice or mortgage contract, payment certificate of mortgage bank for more than 6 months, household labor contract and social insurance payment certificate issued by the municipal or district (city) county labor and social security department.

Q: Can I buy a commercial house below 70㎡?

Answer: Yes, according to the household registration opinion, "those who have lived in our city for three years, have a legally fixed residence, signed a labor contract with the employer in our city and paid social insurance for more than three years can register their permanent residence, spouses and minor children." That is to say, those who purchase houses below 70m2, have lived in our city for three years, signed labor contracts with employers and paid social insurance continuously for more than three years, can also apply for entering the household.

Q: What materials do you need to provide to buy a house below 70㎡?

Answer: the application form for entering a household, IC card temporary residence permit (including residence permit), household registration certificate, resident ID card, household labor contract and social insurance payment certificate issued by the municipal or district (city) county labor and social security department, kinship certificate and legal fixed residence certificate.

Q: Where can I apply for entry?

A: Buyers can bring relevant materials to the following units for consultation or household procedures: Chengdu Public Security Bureau Accreditation Center, address: No.38 Fuzheng Street; Jinjiang Public Security Accreditation Center, Address: No.66, South Gui Lian Road; Qingyang Public Security Accreditation Center, Address: 4th Floor, Municipal Affairs Center, No.2 Caoshi Street; Jinniu Public Security Accreditation Center, address: Jiaotong University Road178; Wuhou Public Security Accreditation Center, Address: No.8 Gaoshengqiao East Road; Chenghua Public Security Accreditation Center, Address: No.28 Xin, No.3, Second Section of Fuqing Road; High-tech public security accreditation center, address: Chuangye Road 18.