Case study on the implementation of housing purchase restriction order

On September 29th, 20 10, the relevant state ministries and commissions issued a notice, introducing five measures to further promote real estate regulation and control, requiring all localities to immediately formulate detailed implementation rules. Areas that have issued detailed implementation rules should be adjusted and improved according to the policies and measures recently issued by relevant state ministries and commissions, and the accountability system should be strictly implemented. Subsequently, the detailed rules for the regulation of the local property market landed. Among many measures, "purchase restriction" is the most prominent, which shows the government's determination to regulate the property market.

On the evening of September 30th, 2065438+00, Shenzhen urgently issued a "purchase restriction order", which stipulated that from 20101,the policy of restricting the number of families buying houses in Shenzhen was temporarily implemented: among them, households with registered residence in Shenzhen (including some households with registered residence in Shenzhen) were restricted from buying two houses; Non-Shenzhen registered families who can provide tax payment certificates or social insurance payment certificates in Shenzhen 1 year or above are restricted to purchase 1 house.

20 10, 10, 1, the seven departments of Xiamen, including land, real estate, financial management and taxation, jointly issued opinions on promoting the sustainable and healthy development of the real estate industry, and decided to take temporary measures to purchase, that is, 20 10, 1 to 2065438.

20 10,10/0 On the evening of 7 October, after Shenzhen and Xiamen, Shanghai also issued a "purchase restriction order", specifically: "It is tentatively decided that households in this city and other provinces and cities can only buy a new set of commercial housing (including second-hand stock housing) in this city. If a house is purchased illegally, the real estate registration agency will not accept the registration of real estate. "

20 10, 1 0/0/0 On 9 October, Ningbo issued detailed rules for the regulation of the property market, which also stipulated that each household could only buy1new house in this city.

20 10, 10, 10, Fuzhou's new supplementary rules for housing price control stipulate that from now on until 20 10, 12, 3 1, the same family (including the purchaser) registered in the administrative area of this Municipality The detailed rules also stipulate that households with registered residence in this city who own more than two sets (including two sets) of housing in this city, households with non-registered residence in this city who own more than 1 set (including 1 set) of housing, and households with non-registered residence in this city who cannot provide proof of tax payment or social insurance payment in this city for more than 1 year will continue to purchase commercial housing in the five districts of this city.

20101010/Hangzhou issued the "Implementation Opinions on Further Strengthening the Regulation of the Real Estate Market in Hangzhou and Accelerating the Construction of Affordable Housing", tentatively stipulating that households with household registration in Hangzhou and other provinces and cities can only buy a new set of commercial housing (including second-hand stock housing) in Hangzhou; Stop the implementation of housing subsidy policy and other related fees, and put forward the implementation of differentiated credit policy. Taizhou, Zhejiang became the first city to be announced. The notice issued by Taizhou City emphasizes that families within the city (including counties (cities, districts) and families outside the city can provide personal income tax certificates or social insurance payment certificates that have been paid in this city for more than 1 year in the first two years from the date of purchase, and they can purchase 1 set of new commercial housing in the urban area. For urban families who own two or more houses in urban areas, urban families who own 1 house, and urban families who cannot provide personal income tax certificates or social insurance payment certificates accumulated in this city for more than 1 year within the first two years from the date of purchase, the purchase of new commercial housing in urban areas will be suspended. In violation of the provisions of the purchase, not for real estate registration.

According to industry insiders, Taizhou's purchase restriction is relatively loose, and the scope of purchase restriction only falls on the concepts of "urban area" and "new house", involving the concept of "second-hand house" and "suburb". However, Taizhou's first announcement of the purchase restriction rules also revealed two pieces of information. First, the Ministry of Housing and Urban-Rural Development may not publish the list centrally, but let the city publish it sporadically; Secondly, satellite cities around big cities will be the focus.

According to a person close to the Ministry of Housing and Urban-Rural Development, there may be new actions to crack down on speculative investment and real estate speculation nationwide. The Ministry of Housing and Urban-Rural Development has gradually promoted the remote networking of housing ownership registration systems and databases in hot cities of real estate. After the completion of this work, the properties of different cities under the name of the same property owner will be "inquired together", and the flow, degree and trend of funds for buying houses in different places will be "uniformly monitored", which can focus on cracking down on big speculators. On 20 10, 10 and 10, the real estate trading center issued the "Notes on Restricting the Number of Households", which formally implemented the detailed rules of the Guangzhou purchase restriction order. The transaction details of the real estate trading center1June15th are as follows:

I deed tax

1. Ordinary residence: the only residence below 90 square meters (including 90 square meters): levied at 1%.

2. Ordinary residence: 90 m2 (excluding 90 m2)-144 m2 (excluding 144 m2) Only residence: 1.5%.

3./kloc-Ordinary housing and non-exclusive housing with an area of more than 0/44 square meters (including 144 square meters): 3%.

4. Definition of the only house: taking the family as the unit, there is no house under the name, only this house to be purchased.

For example, I once sold a house, but now I don't have my own house, and now I have bought a new one, which is the only one.

For example, there are parking spaces and shops in the name, but there is no house. Now buy a new house, which is also the only one.

Second, personal income tax.

Personal income tax will no longer be reduced or exempted for those who sell their own houses and buy new houses within one year.

Third, the housing purchase restriction policy.

1. Households registered in this city are restricted to purchase a new house in ten districts of this city.

When handling the transaction procedures, the original and photocopy of the household registration book and marriage certificate of the purchaser shall be provided.

2. Families who are not registered in this city are restricted to purchase a new house in ten districts of this city.

When handling the transaction formalities, it is necessary to provide the original and photocopy of the purchaser's household registration book and marriage certificate, as well as the original tax payment certificate or social insurance payment certificate of the purchaser in this city 1 year or more.

3. families who are not registered in this city and fail to provide the above documents cannot buy houses.

4./kloc-people under 0/8 years old are restricted from buying commercial housing alone in this city.

5 new houses purchased by Hongkong, Macau, Taiwan Province Province and foreign institutions or individuals:

1) Hong Kong, Macao and Taiwan residents and overseas Chinese can buy a certain area of self-occupied commercial housing in China due to their living needs.

2) Branches and representative offices established by overseas institutions in China (except enterprises approved to engage in real estate business) and overseas individuals who have worked and studied in China for more than one year may purchase self-occupied and self-occupied commercial houses that meet the actual needs, and may not purchase non-self-occupied and self-occupied commercial houses. Overseas institutions that have not established branches or representative offices in China and overseas individuals who have worked and studied in China for less than one year are not allowed to buy commercial housing.

3) Eligible overseas institutions and individuals must purchase self-occupied and self-occupied commercial houses in the real-name registration system, and hold valid certificates (overseas institutions should hold the certificates approved by the relevant departments of the Chinese government to set up institutions in China, and overseas individuals should hold the certificates that they come to work and study in China, which are approved by us), and go through the corresponding land use right and housing property registration procedures with the competent departments of land and real estate.

Commercial housing includes: newly-built commercial housing and second-hand housing.

Newly-built commercial housing: the online signing time of the housing system contract of the local real estate administrative department shall prevail, and the filing time of the contract of the real estate registration department shall prevail if the contract is not signed online.

Second-hand house: subject to the business acceptance time of the real estate transaction registration department.

On 201010 June 17, Guangzhou Municipal Bureau of Land and Housing issued detailed rules for the regulation of the property market, which not only restricted every family in Guangzhou to buy one suite, but also restricted foreigners from buying houses in Guangzhou, and also stipulated that people under the age of 18 were not allowed to buy houses in Guangzhou. On the afternoon of 20 10, 10, 18, Dalian Municipal Construction Committee announced that Dalian would implement the housing purchase restriction policy from today (19), and the same family (including husband and wife and minor children) could only buy a new set of commercial housing (including second-hand housing) in this city. For the illegal purchase of houses, the real estate registration agency will not accept real estate.

This is the 13 city in China that announced the implementation of the purchase restriction order after Guangzhou, Haikou, Sanya and other cities recently announced the implementation of the purchase restriction order. In addition to the purchase restriction, the local rules issued by Dalian also include ten aspects, such as strictly implementing the differentiated housing loan policy, strictly implementing the real estate tax policy, increasing the effective supply of housing land, accelerating the construction of affordable housing projects, and strictly managing the pre-sale of commercial housing.

In terms of mortgage, Dalian Commercial Bank will suspend the issuance of housing loans for households to purchase third and above houses; Non-local residents who cannot provide local tax payment certificates or social insurance payment certificates for more than 1 year will be suspended from issuing house purchase loans.

At the same time, the detailed rules require that the down payment ratio of loans to purchase commercial housing should not be less than 30%; For families who purchase a second home by loan, the down payment ratio shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate.

Dalian's detailed rules also put forward that it is explicitly required to increase the effective supply of housing land, speed up the construction of affordable housing projects, ensure that the construction land for affordable housing and self-occupied small and medium-sized commercial housing is not less than 70% of the total supply of housing construction land, provide10.2 million sets of affordable housing in the central city before the end of the year, raise 30 million yuan of low-rent housing rental funds, and build10.5 million sets of public rental housing in the city.

In order to safeguard the legitimate rights and interests of both parties to the housing transaction, Dalian also issued the Notice on Standardizing the Pre-sale Behavior, which raised the pre-sale progress standard of commercial housing to the top of the main structure below seven floors, and more than two-thirds of the main structure above eight floors was completed, effectively shortening the time from pre-sale to project completion. Monitoring the pre-sale funds of commercial housing and allocating them according to the construction progress will ensure that the pre-sale funds are used for the construction of commercial housing projects, ensure that the construction projects are completed and delivered on time, and prevent the occurrence of events that harm the interests of buyers, such as unfinished buildings and absconding with money. Commercial housing sales contracts are signed and filed online, requiring real estate development enterprises to disclose all the houses for sale and the source price of each suite at one time within 10 days. Clearly marked external sales can effectively prevent one room from selling more, making false transactions, reselling real estate and hoarding real estate. 201110/On 5 October, Zhengzhou Housing Management Bureau informed Zhengzhou Municipal Government of the Notice on Further Implementing Macro-control Policies in the Real Estate Market and the Notice of Housing Management Bureau on Restricting the Purchase of Commercial Housing by Local and Non-local Households, and announced that Zhengzhou would implement the purchase restriction order from 6 June. That is, from 20 1 1 1 6, the differentiated purchase restriction policy will be implemented in the built-up areas of Zhengzhou (the densely populated areas are tentatively defined as the south of Nongye Road, the east of Tongbai Road, the north of Hanghai Road and the west of Future Road, with Zhongzhou Avenue as the dividing line between Future Road and Nongye Road). According to this regulation, non-local households who cannot provide the tax payment certificate or social insurance payment certificate for more than 1 year in this city are suspended from buying houses in densely populated areas and can only buy 1 set of commercial housing in other areas. Non-local households who can provide proof of tax payment or social insurance payment for more than 1 year in this city can only temporarily purchase 1 set of commercial housing in densely populated areas or other areas. Households registered in this city can only temporarily purchase 1 set of commercial housing in densely populated areas.

The New Deal added conditions for foreigners to buy a house in Zhengzhou.

Following the implementation of the "purchase restriction order" for commercial housing in some urban areas of Zhengzhou on June 5438+1October 5 this year, a more stringent "new version" of the "purchase restriction order" for commercial housing will be implemented on March 4.

On March 3rd, Zhengzhou issued the "Notice on Further Strengthening Macro-control of the Real Estate Market", and introduced 15 measures such as accelerating the construction of affordable housing projects, vigorously developing public rental housing, and strictly implementing the purchase restriction policy to strengthen the macro-control of the real estate market. This is the landing policy of Zhengzhou's "New Eight Articles". In the new purchase restriction order, the purchase restriction policy is strict and meticulous: locals who have two suites can no longer buy a house, and foreigners can only buy one house at most in Zhengzhou. At this point, the five districts and Zhengdong New District in the city have completely restricted the purchase of two suites of commercial housing, and the high-tech zone and the Economic Development Zone are not restricted.

It is stipulated in the clause of "Strictly implementing the purchase restriction policy" that from March 4, 20 1 1 year, Zhengzhou registered households (including buyers, spouses and minor children) who own 1 suite in Zhengzhou urban area (including Chengwu District and Zhengdong New District) will hold Zhengzhou residence permit for at least 1 year. For Zhengzhou registered households with two or more houses, non-Zhengzhou registered households with 1 set or more houses, and non-Zhengzhou registered households that cannot provide Zhengzhou residence permit or social insurance payment certificate or personal income tax payment certificate for more than 1 year, the sale of houses to them will be suspended in Zhengzhou.

Compared with the purchase restriction order issued by Zhengzhou not long ago, this purchase restriction order is more stringent, including the second-hand houses in Zhengdong New District and those that have not been restricted before, and clearly stipulates that residents' families include buyers, spouses and minor children (excluding adult children). If one of the family members is registered in this city, it can be recognized as registered in this city. Houses owned by residents include houses that have been registered in this city and houses that have been signed online but not registered.

On March 3rd, Zhengzhou Municipal Government also issued a notice, requiring the provincial capital and financial institutions of Zhengzhou Housing Provident Fund Management Center to strictly implement the policy of "down payment ratio not less than 60% and loan interest rate not less than benchmark interest rate 1. 1 times". On June 14 17, Yang Hongxu, vice president of Shanghai Yiju Real Estate Research Institute, said in his Sina V certification Weibo that from now on, the purchase restriction in Shenyang will be cancelled, and locals and foreigners can buy multiple houses. "If the news is true, Shenyang has completely knocked down the chastity archway! Previously, Wuxi, Nanning, Tianjin, Ningbo, Wenzhou and so on. Only partially loose! "

On June 10, the reporter confirmed from many real estate people in Shenyang that the Shenyang Real Estate Bureau had issued a draft that morning, and the policy of canceling the purchase restriction will be introduced in the near future, including people with local or foreign household registration who can buy multiple houses. "The draft has not yet been made public, but people from the real estate bureau have revealed this to us." The staff of the office of Shenyang Real Estate Bureau did not deny this news, saying that "some policies were indeed introduced this morning".

Government statement

Shenyang did not completely cancel the purchase restriction, but only made adjustments. This is a misunderstanding.

"Shenyang did not completely cancel the purchase restriction, but just adjusted it. This is a misunderstanding. " 10, June 19: 50, an official of Shenyang Housing and Construction Department confirmed to reporters that Shenyang is adjusting its purchase restriction policy. The specific content is aimed at the registered households in this city who already own two or more houses, that is, those who own two or more houses in this city can buy multiple houses in the Second Ring Road, but the bank does not provide any loans, so it needs a one-time payment and does not give any loans. On August 6, 20 13, Wenzhou began to adjust its purchase restriction policy. According to the New Deal, Wenzhou registered residents (families) can buy two suites.

15 in the afternoon, the registration hall of Wenzhou Housing Construction Committee. More than 800 seats in the hall are basically packed.

A woman in her fifties is consulting the female staff responsible for issuing the queuing serial number: "My family already has a house, and now I have taken a fancy to another house and want to buy it for my son's wedding. Can I register property rights? "

The female staff said, "Yes, since last week, a family can buy two houses."

Subsequently, the reporter then asked: "Since you can buy two houses, has the daily turnover increased?"

The staff replied: "Of course, it's past 4 o'clock in the afternoon and there are still so many people in the hall."

"The real estate exhibition center was packed with people."

In the past, one household was limited to one set, but now you can buy two sets. Will this lead to a rebound in house prices? Yesterday, the reporter visited and found that the enthusiasm of Wenzhou citizens to buy a house has rebounded recently.

A business owner surnamed Zhou told reporters: "After learning the news of the policy relaxation, a business owner in Wenzhou called a number of relatives and friends to Yueqing to see the house last Saturday, and the enthusiasm for buying a house was higher than before."

Mr. Ye, who is trying to buy a house, said: "As soon as the news came out, I knew it right away. If there is a good house, I still want to buy it. "

The staff of a sales center in Wenzhou told reporters: "There are more than 2,000 people in the real estate exhibition center, and people are crowded!"

A real estate boss told reporters that the New Deal is good for the real estate industry and will bring high turnover to a certain extent. 2065438+On the morning of June 26th, 2004, Hohhot Real Estate Development Supervision and Management Office officially issued an implementation opinion on canceling the purchase restriction order in the property market, becoming the first city in China to "break the limit".

According to incomplete statistics, Nanning, Tianjin, Wuxi, Wenzhou and other 18 cities have clearly issued documents or indicated that the purchase restriction policy has been adjusted before Hohhot officially released the purchase restriction. In addition, Fujian, Hangzhou, Changsha and other places have also frequently heard rumors of "down limit". 2065438+On September 26th, 2004, Suzhou Housing and Urban-Rural Development Bureau confirmed that all the five districts in Suzhou had cancelled the purchase restriction, and the houses below 90 square meters also cancelled the purchase restriction. Where the purchase of housing in the city area (including new commercial housing and second-hand housing), no longer implement the purchase restriction.

From now on, the relevant departments in Suzhou will no longer check the housing situation of buyers, and will no longer require relevant certificates such as household registration, tax payment or social insurance payment when handling online signing, contract filing and related registration procedures. This means that Suzhou's purchase restriction policy from March 20 1 1 year has become "history".

At present, the three cities of Wuxi, Nanjing and Suzhou, which have implemented the purchase restriction in Jiangsu Province, have completely cancelled the purchase restriction. After Suzhou completely lifted the purchase restriction order, only six cities in China, including Beijing, Shanghai, Guangzhou, Shenzhen, Zhuhai and Sanya, did not loosen the purchase restriction.