20 17 what are the new rules for real estate?

In recent years, house prices have risen by a large margin. In 20 17, many new regulations were introduced in real estate, which can help us to better understand the real estate market. Next, I would like to introduce the new real estate regulations of 20 17, hoping to help you!

Provisions on Real Estate The Ministry of Finance, State Taxation Administration of The People's Republic of China and the Ministry of Housing and Urban-Rural Development jointly issued a notice yesterday to adjust the preferential policies for deed tax and business tax in real estate transactions from 2065438+February 22, 2007. The notice also stated that Beijing, Shanghai, Guangzhou and Shenzhen do not implement the second set of preferential policies for deed tax and business tax on improved housing, and the business tax on individual housing transfer in the above cities is still implemented according to the previous policies.

According to the notice, the deed tax will be levied at a reduced rate of 1% for individuals who purchase the only family housing area of 90 square meters or less; If the area is over 90 square meters, the deed tax shall be levied at the reduced rate of 1.5%. For individuals who purchase a second set of improved family housing with an area of 90 square meters or less, the deed tax shall be levied at a reduced rate of 1%; If the area is more than 90 square meters, the deed tax shall be levied at a reduced rate of 2%. The New Deal also pointed out that the deed tax concessions and business tax concessions for the second suite are not applicable to Guangzhou and Shenzhen for the time being.

New real estate regulations 1: The New Deal no longer distinguishes between ordinary houses and non-ordinary houses.

The New Deal no longer distinguishes ordinary houses from non-ordinary houses with 1.44 square meters as the boundary, but uniformly stipulates that the deed tax will be levied at 0.5% of the online signing price of 65438+ for the first suite over 90 square meters. Once the previously traded housing area was larger than 144 square meters, the deed tax was levied at 3%.

Taking Beijing as an example, the original deed tax policy is that if residents buy the only house and it is an ordinary house, the deed tax for the area below 90 square meters is 1%, the deed tax for the area between 90 and 144 square meters is 1.5%, and the deed tax for the area above 144 square meters is 3%, while the previous second suite is no matter the area. At present, the new deed tax policy for the first suite is directly divided by the area standard, with all below 90 square meters 1% and all above 90 square meters 1.5%.

New Real Estate Regulation 2: Any house sold for more than two years shall be exempted from business tax.

According to the notice, in terms of business tax, if an individual sells a house that has been purchased for less than 2 years, the business tax will be levied in full; Individuals who purchase houses for more than 2 years (including 2 years) for external sales shall be exempted from business tax.

The original policy of business tax was that if an individual sells a house that has been purchased for less than 2 years, the business tax will be levied in full; If an individual sells a non-ordinary house that has been purchased for more than 2 years (including 2 years), business tax shall be levied according to the difference between the sales income and the purchase price of the house; Individuals who purchase ordinary houses for more than 2 years (including 2 years) for external sales shall be exempted from business tax. In March last year, the business tax exemption threshold for ordinary housing was lowered from 5 years to 2 years.

New real estate regulation 3: North, Guangzhou and Shenzhen miss some preferential policies.

However, the New Deal specifically pointed out that the deed tax concessions and business tax concessions for the second home are not applicable to the four places of Beijing, Guangzhou and Shenzhen. This means that if Beijing wants to enjoy this round of New Deal, it must meet the conditions of buying a house for the first time and the housing area is greater than 144 square meters.

On February 2, the central bank issued a document saying that it would not be implemented? Restricted purchase? In cities where measures are taken, the minimum down payment ratio of commercial personal housing loans for households to purchase ordinary housing for the first time is 25% in principle, which can be lowered by 5 percentage points in various places. At present, only four first-tier cities, namely, Beishangguangshen and Sanya, a tourist city, are still implementing purchase restriction measures.

Zhang Dawei, chief analyst of Zhongyuan Real Estate, believes that the policy will continue to bypass first-tier cities. On the whole, the inventory problem in first-tier cities is not serious. It is expected that the subsequent easing policies will be difficult to cover first-tier cities, but the psychological impact of these policies on first-tier cities is still relatively large.

Some industry experts also said that in the context of the differentiation of the property market, the primary problem faced by these four first-tier cities is the pressure of rising prices, and this adjustment also reflects the differentiated thinking of property market regulation.

New real estate regulation 4: reducing the deed tax on house purchase is beneficial to the sales of large-sized houses.

? This adjustment is real estate? Go to stock? And it can promote rigid demand, stimulate improved demand and promote the second-hand housing market to be active. ? Ni Pengfei, director of the Center for Urban and Competitiveness Research of China Academy of Social Sciences, said that this round of adjustment, together with previous policies such as credit and housing provident fund adjustment, can be described as? Multiple strategies? Reflecting sustainability, it will promote the overall demand and maintain the sustained growth of the housing market. Go to stock? Have a positive impact.

On the whole, the inventory of Beijing real estate market is not serious, but there are structural problems, and some high-end residential and commercial properties are under great inventory pressure. For the preferential adjustment of deed tax, the industry believes that reducing the deed tax on house purchase is conducive to improving the sales of large-sized units.

Take the first purchase of a large apartment of 1.50 square meters near the East Fifth Ring Road in Beijing as an example. Calculated at 40,000 yuan per square meter, the total house price is 6 million yuan. If it is purchased before February 22nd, the deed tax payable by the family at this time is 3%, totaling 1.8 million yuan. After this deed tax concession, the standard of deed tax payable is reduced to 1.5%.

New Real Estate Regulation 5: Give tax reduction to those who buy improved or second homes.

At the same time, the biggest highlight of this new policy is to give tax cuts to improved or second-home buyers. For houses over 90 square meters, the deed tax has been adjusted from 3% in the past to 2%, which also benefits the improved users who buy large-sized houses.

The industry believes that this deed tax adjustment can see two orientations of the policy. First, encourage buyers to actively buy large-sized housing; Second, encouraging buyers to actively change houses is conducive to digesting the inventory of non-first-tier cities and revitalizing the market circulation and sales links of non-first-tier cities.

The real estate market problem is 1. The source structure of real estate funds is single, the proportion of developers' own funds is low, and the real estate market is highly dependent on funds.

2. The possibility of enclosure still exists.

3. With the rapid growth of housing prices, people's psychological expectations are relatively large, the proportion of housing is relatively small, and structural contradictions are still outstanding.

4. The supporting policies of housing social security are imperfect, with poor operability, high threshold and narrow benefit.

There are many real estate enterprises with high debt ratio.

6. Second-hand houses have not been released, the supply is insufficient, and the market needs to be standardized.

7. Lack of integrity of real estate agents.

8. The compensation and resettlement for demolition is unreasonable, and the disputes over urban house demolition are constant.

9. Ideas need to be changed. The rental ratio in developed areas is 40%, that in France is 37%, that in Britain is 34%, that in Singapore is 30%, and that in the United States is 28%. This situation is conducive to the flow of population and has positive significance for moderate investment in housing.

A core of all these problems lies in the local government's? Land finance? That is, local governments rely on high land transfer fees to supplement local governments' fiscal revenue. Developers earn high profits, and the government charges high transfer fees to developers. High land prices and high profits (there are rumors that corruption costs are widespread) will lead to house prices exceeding 10 and 20 times the annual income of local ordinary families respectively. In this interest chain, Chinese mainland's high housing prices will continue.

The dynamics of real estate will not change the main tone of housing price regulation, but it seems that more and more people are queuing to see the house, and the transaction volume is gradually rising. Not only consumers, but also some developers are beginning to look forward to the changes in the property market. Against this background, the index of non-manufacturing business activities in China in June was released yesterday, reaching 56.7%. Among them, the business activity index of the real estate industry is particularly interesting, because it has hit a new high since February 20 10.

Since June 20 12, China's economy has shown obvious signs of stabilization. For some time, all kinds of economic data were not optimistic, but the official non-manufacturing business activity index stood out in June, which was not only in the expansion range, but even increased by 1.5 percentage points compared with last month, among which the new order index reached 53.7%, a record high for the whole year. Jin Cai, vice president of China Federation of Logistics and Purchasing, analyzed this.

Manufacturing PMI data show that since June, China's economy has shown obvious signs of stabilization. From the perspective of non-manufacturing, how many are still excellent? One is the real estate business activity index, and the other is the telecom industry and logistics industry. The business activity index closely related to producer services has rebounded significantly.

The real estate business activity index hit a new high of1September.

It is noteworthy that the business activity index of the real estate industry reached 58.2%, a new high since1September, while the new order index of the real estate industry ended its downward trend for nearly one and a half years and rebounded to 55.7%.

It reflects that after half a year's demand savings in the real estate sector, some rigid demand has been released.