Shenzhen property market regulation "new eight" rules were released, and the listing price of intermediaries was strictly controlled.

On July 30th, the official release platform of Shenzhen, "Shenzhen Release", and the "New Eight Articles" rules of Shenzhen real estate regulation were officially promulgated. In the detailed rules, the application of the transaction policy of real estate in transit before July 15, the determination of settlement time, the policy of restricting the purchase of commercial housing, and the calculation of the number of houses purchased by divorced people are specified in detail.

Prior to this, on July 15, Shenzhen Housing and Construction Bureau and Municipal Planning and Natural Resources Bureau issued the Notice on Further Promoting the Stable and Healthy Development of the Real Estate Market in our City (hereinafter referred to as the Notice). The "Notice" includes eight measures such as adjusting the purchase restriction period of commercial housing. Deep households and adult single (including divorced) families must have settled in this city for three years, and can provide proof that they have paid personal income tax or social insurance in this city for 36 months or more before the date of purchase. Non-deep households and adult singles (including divorced) continue to buy commercial housing in accordance with the provisions of the city for five years or more of personal income tax or social insurance certificate before the date of providing proof of purchase. If the husband and wife divorce, within 3 years from the date of divorce, if either party purchases commercial housing, the number of houses it owns shall be calculated according to the total number of families before divorce.

The "Detailed Rules" clarify that those who purchase houses before July 15, 2020 (excluding July 15) can continue to complete the transaction without being affected by the New Deal, and the time for purchasing houses is subject to the online signing time. For those who have actually completed the transaction, but have not entered the real estate sales contract information (pre-entry) on the real estate information platform, and can provide valid house payment transfer vouchers, it is also deemed that they have entered the online signing (pre-entry).

For those who have applied to settle down before July 15 and are engaged in real estate transactions, they are not affected by the need to pay social security for three years in the New Deal.

Regarding the identification of ordinary housing standards, the detailed rules are clear. Before July 15, 2020 (excluding July 15), transactions in transit are still identified according to the original ordinary housing standards, that is, they are not affected by "the property with a price of more than 7.5 million yuan is identified as a luxury house".

With regard to the purchase of houses by divorced persons, the detailed rules clearly stipulate that if either party purchases commercial houses within three years from the date of divorce, the total number of houses owned by the original family shall be calculated according to the date of divorce (based on the registration time of divorce certificate or the effective time of court judgment). If there are more than two (including two) divorce records within three years before the date of purchase, all divorce records within three years shall be traced back, and the number of housing units owned by them shall be calculated according to the sum of the total number of divorced families within three years before the date of purchase.

In the disclosure of second-hand housing transaction information, the detailed rules require Shenzhen Real Estate and Urban Construction Development Research Center to timely summarize and sort out the reasonable transaction prices of second-hand housing in hot areas and hot properties, and publish them regularly to guide rational market transactions. In principle, the reasonable transaction price of second-hand housing in hot real estate is updated once every six months.

At the same time, strictly control the listing price of intermediaries. If the listing price is significantly higher than the reasonable transaction price of real estate, the intermediary institution shall not accept it and announce it to the public. Before the introduction of the policy, the housing and construction bureaus of all districts should urge the intermediary agencies to take off the shelves in time.

In addition, the city's real estate agencies should submit relevant information such as the transaction price of second-hand commercial housing to the Municipal Housing and Construction Bureau before the 7th day of each month (including the 7th day), and be responsible for the authenticity and accuracy of the submitted data. For intermediaries that fail to report, conceal or report, the Municipal Housing and Construction Bureau will take measures such as suspending the online signing authority according to law and incorporate it into the credit system of the real estate industry for joint punishment.

Regarding the introduction of the New Deal in Shenzhen property market, Zheng Shulun, managing director of Shenzhen Zhongyuan, believes that the regulation and control policy is first of all the management of demand, the conditions for purchase restriction are tightened, and the social security period is extended. Deep households still need social security or tax payment for three consecutive years to buy a house, which further raises the threshold for buying a house and can immediately reduce the effective demand in the market. I believe it will have an immediate effect on cooling the market. In addition, in the past, the transaction of stock houses has been relatively active. In order to effectively curb the overheated market, this policy includes: the standard of ordinary housing is revised again, and the property with more than 7.5 million yuan is defined as a luxury house.

Zheng Shulun believes that the purpose of these different combination policies is the same, that is, to increase transaction costs, so as to achieve the effect of restraining transactions. At the same time, in order to crack down on the use of second-hand housing information to speculate on the property market, this policy adjustment also explicitly requires the industry to cooperate and publicly submit information, in order to avoid market panic after information disclosure.

The 30th Weekly Report in 2020 issued by Shenzhen Real Estate Agency Association shows that the influence of the New Deal will continue to ferment, and the number of second-hand housing online signings will continue to run at a low level. According to the data of commercial housing transaction (completed property transfer) published by Shenzhen Housing and Construction Bureau's real estate information platform, Shenzhen Real Estate Agency Association shows that from July 20th to July 26th, the transaction volume of new houses and second-hand houses in Shenzhen (completed property transfer) was 747 sets and 20 10 sets respectively. Online sign for second-hand houses 1700 sets (including self-service online sign). This number was 10023 sets and 5 143 sets respectively in the first two weeks. The impact of the "July 15" New Deal on market turnover is "obvious". Shenzhen Real Estate Agency Association predicts that with the continuous emergence of the influence of the New Deal, the number of online signing of second-hand houses in Shenzhen will remain low for some time to come.

Full text of rules:

First, the application of the real estate transaction policy in transit

If the house is purchased before July 15, 2020 (excluding July 15), the transaction can be continued, which is not affected by the first paragraph of Article 1 of the Notice. The purchase time is subject to the online signing time, and the specific identification criteria are as follows:

(1) If the real estate sales contract information has been entered in the real estate information platform, the pre-entry time of the pre-sale contract of the first-hand house shall prevail; First-hand housing sales contracts and second-hand housing sales contracts are subject to the conclusion time.

(2) If the actual transaction has occurred before July 15, 2020 (excluding July 15), but the information of the real estate sales contract has not been (pre-) entered on the real estate information platform, if one of the following supporting materials can be provided, it is deemed that the online signing (pre-) entry has been processed:

1. Has paid the house purchase deposit, part or all of the house purchase price (excluding cash payment), and can provide valid transfer vouchers such as bank, Alipay, WeChat (POS machine purchase contract, house purchase transfer bill, etc. , the transfer certificate must have "purchase price", "purchase deposit" and other related expressions, or relevant materials that can prove the real existence of the transaction);

2. The supervision agreement on house purchase funds and the valid bank transfer voucher for paying the corresponding fees;

The transferor of the above deposit and purchase price shall be the purchaser himself or his close relatives (spouse, parents, children, brothers and sisters, grandparents, grandparents). Where the above materials are provided to apply for the filing of pre-sale contracts or the registration of real estate rights, the application shall be made before 65438+February 3 1 (including 65438+February 3 1) in 2020.

Second, the determination of settlement time

The time for a permanent family or an adult single person (including divorced) to settle in Shenzhen shall be subject to the time recorded in the household registration book.

Those who have not settled in Shenzhen, but have obtained the relevant certification documents of human resources or public security departments for permission to settle before July 15, 2020 (excluding July 15), can continue to complete the transaction. If the actual transaction has occurred before the policy is issued and the relevant documents in Article 1 can be provided, it will not be affected by the first paragraph of Article 1 of the Notice.

Third, about the policy of restricting the purchase of commercial housing.

(1) Deep households and single adults (including divorced individuals) who have been in the household for less than 3 years and can provide proof of personal income tax or social insurance for 5 years or more in this city before the date of purchase shall be implemented in accordance with the relevant provisions of Article 4 of Several Measures on Further Promoting the Stable and Healthy Development of the Real Estate Market in our city (Shen Fu Ban [2016] No.28).

(2) The social insurance mentioned in the Notice refers to any two kinds of insurance: endowment insurance, medical insurance and industrial injury insurance. Families with deep households and adult singles (including divorced) who have cut off their social security payment within three years before the date of purchase, but not more than three months (including three months), can pay 60 months of social security in Shenzhen within five and a half years before the date of purchase, and meet other conditions for purchase, they can purchase commercial housing. Continuous payment and accumulated payment do not include overdue payment.

(3) For those who retire in Shenzhen, registered residents can provide proof that they have paid personal income tax or social insurance for more than 36 months before the date of retirement, and non-registered residents can provide proof that they have paid personal income tax or social insurance for more than 60 months before the date of retirement, and they can buy commercial housing if they meet other conditions for purchasing houses. The relevant implementation standards refer to the second paragraph of this article.

(4) If the social security cannot be paid on time during the epidemic and the payment is completed within 3 months after the local epidemic is lifted, it will be regarded as continuous payment of social security, and the withholding situation will not be included in the social security demand review of house purchase.

(5) If only one of the residents' couples meets the purchase conditions, the purchased commercial housing can only be registered in the name of one or both parties who meet the purchase conditions, and may not be registered separately in the name of the party who does not meet the purchase conditions.

(six) the transfer of commercial housing by gift, the donee shall meet the requirements of the "Announcement". If the notarization of the transfer of real estate rights or the application for registration is completed before July 15, 2020 (excluding July 15), the original policy can be continued.

Fourth, about the purchase of houses by divorced people.

(1) If a husband and wife divorce and either party purchases a commercial house within 3 years from the date of divorce, the total number of houses owned by the original family shall be calculated according to the date of divorce (based on the registration time of the divorce certificate or the effective time of the court judgment). Within 3 years from the date of divorce, if there is no house in this city under the name of the family before the divorce, and other conditions for purchasing houses are met, either party will purchase commercial housing 1 set in this city as an adult single person after the divorce; Before the divorce, if the family name had 1 set of commercial housing in this city, and it met other purchase conditions, the party without housing after the divorce could purchase 1 set of commercial housing in this city as an adult single person; If there were two or more commercial houses in this city under the family name before the divorce, neither party may buy commercial houses in this city after the divorce.

(2) If there are more than two (including two) divorce records in the three years before the date of purchase, all divorce records in the three years shall be traced back, and the number of houses owned by them shall be calculated according to the sum of the total number of divorced families in the three years before the date of purchase.

Verb (abbreviation of verb) on the adjustment of ordinary housing standards

Transactions in transit before July 15, 2020 (excluding July 15) are still recognized according to the original ordinary housing standards, and the implementation time refers to the relevant provisions in Item 1 of Article 1 of this Notice.

Six, on the implementation of housing mortgage loan contract online signing.

(1) Within 10 working days after the notice is issued, the municipal planning land and real estate information center will complete the development of the online signing system for housing mortgage contracts, and the municipal provident fund management center will handle the authorization procedures of commercial banks and other relevant financial institutions.

(2) After the system goes online, the financial supervision department shall urge commercial banks and other financial institutions to input the mortgage contract information into the system, and the relevant data will be automatically pushed to the municipal real estate registration center for mortgage registration.

(3) Transactions that occurred before the system went online (refer to Article 1 for the time node) can continue to be handled according to the original procedures.

Seven, about the second-hand housing transaction information disclosure.

(a) the city real estate and urban construction and development research center timely summarizes and sorts out the reasonable transaction prices of second-hand houses in hot areas and hot properties, and regularly releases them to the outside world to guide rational market transactions. In principle, the reasonable transaction price of second-hand housing in hot real estate is updated once every six months.

(2) Strictly control the listing price of intermediaries. If the listing price is significantly higher than the reasonable transaction price of the real estate where it is located, the intermediary agency will not accept it and release it to the public. Before the introduction of the policy, the housing and construction bureaus of all districts should urge the intermediary agencies to take off the shelves in time.

(three) the city's real estate agencies should submit the transaction price of second-hand commercial housing and other related information to the Municipal Housing Construction Bureau before the 7th day of each month (including the 7th day), and be responsible for the authenticity and accuracy of the submitted data. For intermediaries that fail to report, conceal or report, the Municipal Housing and Construction Bureau will take measures such as suspending the online signing authority according to law and incorporate it into the credit system of the real estate industry for joint punishment.

Eight. others

The buyer has actually completed the transaction before July 15, 2020 (excluding July 15) and can provide the relevant documents specified in Article 1 of this notice. If the relevant funds do not meet the original policy purchase conditions, but meet the original policy purchase conditions when applying for pre-sale contract filing or real estate registration, the transaction can continue according to the original policy, but it should be completed in June 65438+2020.

I hereby inform you.

Shenzhen Housing and Construction Bureau

July 29(th), 2020