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Real estate market policy

1. Support new citizens and talents to live and work in peace and contentment. Eligible new citizens who buy the first ordinary house in our city can enjoy the same personal housing loan policy as local residents. Support Chongqing talents recognized by the competent department of talents in our city or the introduction department, and enjoy the same treatment as local residents in terms of housing, settlement, medical care and children's education.

Policy basis: Notice of the General Office of Chongqing Municipal People's Government on Printing and Distributing Several Measures to Promote the Healthy Development of Chongqing's Real Estate Industry (Yu Fu Ban Fa [2022] No.65)

Execution period: temporarily unavailable.

Responsible units: Chongqing Banking Insurance Regulatory Bureau and Municipal Human Resources and Social Security Bureau.

Tel: 12378 (loan), 12333 (talent)

2. Implement differentiated housing credit policies. The Chongqing Management Department of the People's Bank of China, together with the Chongqing Banking Insurance Regulatory Bureau, will guide and improve the self-discipline mechanism of market interest rate pricing in Chongqing, adjust the city's differentiated housing credit policy, adjust the lower limit of the first commercial personal housing loan interest rate to not less than the loan market quotation in the same period, and adjust the lower limit of the first commercial personal housing loan interest rate for households to buy ordinary self-occupied housing to not less than the loan market quotation rate in the same period minus 20 basis points. The lower limit of the commercial personal housing loan interest rate for the second set of housing is adjusted to not less than the quoted interest rate in the loan market plus 60 basis points.

Execution period: temporarily unavailable.

Responsible unit: Chongqing Business Management Department of China People's Bank.

Tel: 12363

3. Improve the real estate credit service. Banking financial institutions should accurately grasp and implement the prudent management policy of real estate finance, maintain the smooth and orderly delivery of real estate development loans, and meet the reasonable financing needs of the real estate market. Encourage banking financial institutions to provide financial support and services for risk disposal projects of key real estate enterprises in merger and reorganization, and temporarily exclude M&A loans for merger and reorganization of dangerous real estate enterprises from centralized management of real estate loans. Encourage and support commercial banks to increase their support for commercial housing mortgage loans.

Implementation period: long term

Responsible unit: Chongqing Banking Insurance Regulatory Bureau

Tel: 12378

4. Optimize the housing provident fund loan policy. Give priority to the first set of housing loans and pay the housing provident fund to the employees' families to buy the first set of housing, and the down payment ratio shall not be less than 20%; Reasonably support the improved housing loan, and pay it to employees' families to buy a second house, with the down payment ratio of not less than 40% and the loan interest rate not less than 1. 1 times of the personal housing loan interest rate of the first housing provident fund in the same period; Commercial personal housing loans that support the purchase of the first home are converted into housing provident fund personal housing loans (replacement loans); If the employee's family and husband and wife jointly participate in the loan, the single loan amount will be calculated by adding the personal loan amount of both parties, and the maximum amount will be increased from 600,000 yuan to 800,000 yuan. Support the issuance of provident fund discount loans to ensure the supply of loan funds.

Execution period: temporarily unavailable.

Responsible unit: Municipal Housing Provident Fund Management Center

Tel: 12329

5. Clarify the second set of housing identification standards for provident fund loans. Workers' families who have paid the housing provident fund have two or more houses or two or more housing loan records. After the sale of the existing housing, the family has no housing or only 1 apartment, and the housing loan has been settled or there is only one outstanding commercial housing loan. When buying a house again, you can apply for a housing provident fund loan in accordance with the policy of buying a second house.

Execution period: temporarily unavailable.

Responsible unit: Municipal Housing Provident Fund Management Center

Tel: 12329

6. Implement differentiated real estate tax policies. If a family newly purchases a house and transfers its only original house before handling the property right certificate, it will enjoy the preferential deed tax policy according to the first suite; If the family still has 1 house, the newly purchased house will enjoy the preferential deed tax policy according to the second house. Land and houses are expropriated and requisitioned by the people's governments at or above the county level, and the ownership of land and houses is re-accepted, and monetary compensation is selected. If the transaction price does not exceed the monetary compensation, the deed tax shall be exempted; Monetary compensation obtained by signing an agreement on expropriation compensation and in accordance with relevant government standards shall be exempted from personal income tax; If you choose to exchange housing property rights or land use rights, the deed tax will be exempted if you don't pay the difference, and only the deed tax will be levied on the difference.

Execution period: temporarily unavailable.

Responsible unit: Chongqing Taxation Bureau

Tel: 12366

7. Optimize the supervision of project funds. For real estate development projects that have gone through the formalities of depositing project capital, development enterprises may apply for the use of supervised project capital in different buildings according to the progress of project construction. For real estate development projects that have gone through the formalities of depositing project capital, the development enterprise may apply for depositing in batches, with the first deposit of 60% of the approved supervision amount, and the remaining 40% may be given a four-month buffer period. During the cache period, if the mirror progress of the development project meets the requirements of making full use of nodes, the remaining project capital can not be replenished.

Execution period: temporarily unavailable.

Responsible unit: Municipal Housing and Urban-Rural Development Committee

Tel:12345,023-60947883.

8. Promote the effective supply of commercial housing. Strengthen the supervision and inspection of the development and construction of the land that has been sold, urge the real estate development enterprises to carry out the development and construction according to the scale and completion time agreed in the land transfer contract, and promote the projects that have reached the image progress of the project to be listed and sold as soon as possible. We will promote the clean-up of "supplied but not built", "long-term unfinished" and "sold but not sold" projects in the central city, form an effective supply, and support reasonable housing consumption.

Execution period: temporarily unavailable.

Responsible unit: Municipal Housing and Urban-Rural Development Committee

Tel:12345,023-63671505.

9. Promote the steady development of the leasing market. Increase the supply of market rental housing, and add market rental housing in densely populated areas such as rail transit stations, commercial and business districts, industrial parks, campuses, hospitals, etc., to support the reasonable rental needs of new citizens and young people. On the basis of conforming to the planning principle and improving the surrounding supporting functions, if there is market demand, existing commercial projects are allowed to be rebuilt or adjusted into rental housing projects according to certain procedures, the land use period and floor area ratio remain unchanged, and the adjusted water, electricity and gas prices are implemented according to the residents' standards. Study and formulate supporting policies to support the development of rental housing, focus on solving the problems of basic public services such as settlement, schooling and employment, and gradually realize the right to rent and purchase basic public services such as education, medical care, pension, assistance and legal aid.

Execution period: temporarily unavailable.

Responsible unit: Municipal Housing and Urban-Rural Development Committee

Tel:12345,023-63105139.

10. Promote the utilization of supporting parking spaces for commercial housing. Parking spaces (garages) planned for parking motor vehicles in the property management area should first meet the needs of the owners. If the construction unit sells parking spaces (garages) according to law, it shall make an announcement. For commercial housing projects with a large number of supporting parking spaces (garages), pilot projects for the use of supporting parking spaces in commercial housing will be carried out. Residential supporting parking spaces (garages), each owner can only buy 1 parking space (garage) within 6 months from the date of announcement. If there is a free parking space (garage) after 6 months from the date of announcement, it can be sold to other owners, but the corresponding parking space (garage) corresponding to the house has not yet been sold. Non-residential supporting parking spaces, within 6 months from the date of announcement, the proportion of the number of parking spaces (garages) purchased by each owner shall not exceed the proportion of the housing area held in the total area of non-residential buildings. If there are spare parking spaces (garages) after 6 months from the date of announcement, they can be sold to the outside world.

Execution period: temporarily unavailable.

Responsible unit: Municipal Housing and Urban-Rural Development Committee

Tel:12345,023-63600207.

1 1. Implement the policy of deferred payment of supporting fees for urban infrastructure. Urban infrastructure supporting fees that should be paid by real estate development projects affected by the epidemic can be applied to the local government by real estate development enterprises and deferred after approval according to the prescribed procedures. The deferred payment time shall not exceed 6 months from the date of approval by the local government, and shall be paid before handling the pre-sale permit of commercial housing.

Execution period: temporarily unavailable.

Responsible unit: Municipal Housing and Urban-Rural Development Committee

Tel:12345,023-63861609.

12. Improve the construction of supporting facilities for real estate projects. For projects that have not yet sold land, local governments and land consolidation and reserve institutions should speed up the construction of supporting facilities around the land and realize the "net land" transfer; For projects that have been supplied with land but have not yet been developed and constructed, local governments and land consolidation and reserve institutions should complete the construction of supporting facilities before or simultaneously with the project; For projects that have provided land and have been developed and constructed, the local government and land consolidation and reserve institutions should complete the construction of supporting facilities within a time limit before the project is handed over.

Execution period: temporarily unavailable.

Responsible unit: Municipal Bureau of Planning and Natural Resources

Tel:12345,023-63878281.

13. Continuously improve the housing quality. Develop new building methods, promote the integrated development of building industrialization, greening and informatization, and strengthen the integrated application of technologies such as building information model (BIM), artificial intelligence and intelligent building in the whole process of planning and construction. We will continue to improve the living conditions and environment of urban residents by focusing on the transformation of old urban communities and shanty towns, the improvement of public service facilities and the improvement of housing design and construction.

Execution period: temporarily unavailable.

Responsible unit: Municipal Housing and Urban-Rural Development Committee

Tel:12345,023-63600207.

14. Do a good job in the management of online trading services. Guide real estate development enterprises, real estate brokerage agencies and housing leasing enterprises to vigorously promote "online housing selection" and provide all-weather online housing viewing, housing selection, consultation and subscription services for buyers and renters. Take a combination of online and offline to hold a regional housing fair. Fully implement the online signing of stock houses and the whole process supervision of transaction funds, establish the whole process transaction service, and promote the virtuous circle of the second-hand housing market.

Execution period: temporarily unavailable.

Responsible unit: Municipal Housing and Urban-Rural Development Committee

Tel:12345,023-63600207.

15. Strengthen the supervision of the real estate market order. Continue to rectify and standardize the order of the real estate market and strictly implement the management mechanism of daily inspection and special inspection; Intensify the investigation and punishment of illegal acts of real estate development enterprises and intermediaries, and create a good market environment.

Execution period: temporarily unavailable.

Responsible unit: Municipal Housing and Urban-Rural Development Committee

Tel:12345,023-63600207.

Further increase support for renting houses. For depositors and their spouses who do not own houses or rent houses within the administrative area of our city, support the withdrawal of housing provident fund to pay rent as needed, and implement monthly withdrawal of rent houses to better meet the actual needs of depositors to pay rent. For public rental housing, it can be extracted according to the actual rental expenditure; For renting commercial housing and affordable rental housing, the withdrawal amount of renting houses should be appropriately increased, and the maximum withdrawal amount of depositors in the central city should be increased to 1500 yuan/month, and both husband and wife should be increased to 3,000 yuan/month; The maximum withdrawal amount of depositors in other districts and counties will be increased to 1200 yuan/month, and that of both husband and wife will be increased to 2,400 yuan/month.

Policy basis:

Chongqing Housing and Urban-Rural Development Committee

Waiting 3

department

door

Notice on Implementing Phased Support Policy for Housing Provident Fund (Yubao [2022] No.46)

Implementation period: long term

Responsible unit:

City housing fund management center

Tel: 12329

17.

Support the revitalization of existing affordable rental housing land.

Eyes. The land that enterprises and institutions have obtained the right to use according to law, with the consent of the people's government with the right of approval, is allowed to be used for the construction of affordable rental housing on the premise of conforming to the planning, unchanged ownership, meeting safety requirements and respecting the wishes of the masses, and the land use is changed without paying the land price.

Policy basis:

Opinions of General Office of the State Council on Accelerating the Development of Affordable Rental Housing (Guo Ban Fa [2021] No.22)

Implementation period: long term

Responsible unit:

city

Municipal Planning and Natural Resources Bureau Housing and Urban-Rural Development Committee

Tel: 12345

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