Taiyuan's property market policy in the first half of the year: the change is not small, and the word "stable" is at the forefront.

Too many unforgettable things happened in the first half of 2020, and so did the property market. After experiencing the short dormancy of the market, online selling houses became popular. In the second quarter, the property market in Taiyuan gradually picked up, and there was a boom in local auctions.

Great changes have taken place in Taiyuan's property market policy: the implementation of the Civil Code, the heavy introduction of the central bank's policy of adjusting mortgage interest rates, the reaffirmation of the position of "housing and not speculating" and the continuation of urban regulation and control policies ... These policies have standardized the healthy and orderly development of the industry in all aspects. People in the industry believe that the stable and healthy development of the industry will inevitably experience a painful period of change. Walking out of the comfort zone can lead to a more rational and healthy development.

Clean up the source: the civil code will have the greatest impact in the future.

The Civil Code, formally adopted in May this year and formally implemented next year, will have a far-reaching impact on solving the disputes and stubborn diseases caused by the unclear definition of rights and responsibilities in the real estate and property industries for many years, as well as protecting the interests of the people and safeguarding social civilization and moral ecology.

Many people in the industry believe that the Civil Code, which will be implemented on 20021New Year's Day, will have the greatest impact on ordinary citizens buying and selling houses and living. Among them, the right of residence has the greatest influence.

Lawyer Zhang, deputy director of the Legal Affairs Department of Shanxi Real Estate Association and deputy director of Beijing Zhonglun Wendetaiyuan Law Firm, said, for the simplest example, if the husband and wife agree in the divorce agreement when divorcing, the ownership of the divorced house belongs to one party, and the other party enjoys the right to live in some houses for a certain period of time or for life. The right of residence shall not be transferred or inherited, and the house where the right of residence is established shall not be rented, unless otherwise agreed by the parties. The right of residence expires or the owner of the right of residence dies, and the right of residence is extinguished.

During the mortgage period, the mortgagor can transfer the mortgaged property, which will be very different from the past. If the mortgaged property is transferred, the mortgage right will not be affected. Where the mortgagor transfers the mortgaged property, it shall promptly notify the mortgagee. If the mortgagee can prove that the transfer of the mortgaged property may damage the mortgage right, he may require the mortgagor to pay off the debt or deposit the proceeds of the transfer in advance with the mortgagee. The part of the transfer price exceeding the amount of creditor's rights belongs to the mortgagor, and the insufficient part is paid off by the debtor.

For the high-altitude parabolic problem that the public is widely concerned about, the responsibility has also been clarified. Judging from the actual situation in the past, it is often difficult for victims of high-altitude parabolic incidents to defend their rights because they can't find parabolic people. Article 87 of the Tort Liability Law previously implemented stipulates that if the parabolic person cannot be found, the owner of the whole building shall be liable for compensation. The civil code further stipulates the legal liability for throwing objects from high altitude, and it is forbidden to throw objects from buildings. If an object thrown from a building or an object falling from a building causes damage to others, the infringer shall bear tort liability according to law; If it is difficult to determine the specific infringer after investigation, in addition to being able to prove that he is not an infringer, the user of the building who may cause harm shall be compensated. After compensation, the user of the building who may cause damage has the right to recover from the infringer. This clause also adds the clause that "the user of the building can recover after compensation", which makes it clear that the property management institution should fulfill the obligation of prevention and the public security organ should have the obligation of investigation. Liu Hongwei, chief of the Property Department of Taiyuan Real Estate Bureau, said that this law has prevented the occurrence of dangerous behaviors such as "throwing objects at high altitude" in legislation, and at the same time, it is necessary to strengthen publicity and education on the rule of law, so that all citizens can realize the illegal nature of throwing objects at high altitude, consciously abide by the law and avoid throwing objects at high altitude. In terms of tort liability, the Civil Code also clarifies that "if an object thrown from a building or falling from a building causes damage to others, the infringer shall bear tort liability according to law".

The landing of the civil code has the greatest impact on citizens' lives.

Perfect combination: multi-sector joint stability for two consecutive months.

In March, seven departments, including Taiyuan Real Estate Management Bureau and Taiyuan Housing Provident Fund Management Center, jointly issued the Notice on Effectively Responding to the Epidemic, Ensuring the Orderly Advance of Urban and Rural Construction, and Promoting the Stable and Healthy Development of the Real Estate Market, involving policy support for new commercial housing, investment in construction funds, and policy support for housing provident fund.

In April, Taiyuan Real Estate Management Bureau, together with the Municipal Planning and Natural Resources Bureau and other three departments, issued "Several Opinions on Maintaining the Stable and Healthy Development of the Real Estate Market" on April 30, and issued six new real estate policies, involving pre-sale permits and apartment optimization. The specific contents include six aspects: pre-sale permit of commercial housing, payment of land transfer price, optimization and adjustment of commercial housing units, provident fund loans, housing leasing and market supervision, supporting real estate enterprises to resume work and production, and promoting the reform of "simplifying administration and decentralization, strengthening supervision and improving service effect" in the real estate field.

For two consecutive months, many departments in Taiyuan jointly issued two notices on maintaining market stability, which cooperated seamlessly, not only helping difficult enterprises with real money in the short term, but also giving strong policy support in the medium and long term.

Among them, there are many policies to increase support for new commercial housing. If the epidemic situation affects the construction, when the building that has obtained the construction permit applies for the pre-sale permit, the pre-sale part of the development and construction investment can reach more than 25% of the total project construction investment. The supervision of pre-sale funds of newly-built commercial housing has been adjusted from overall supervision to key supervision to pay for construction costs, and the key supervision amount of pre-sale funds of commercial housing can reach 40% of the total pre-sale amount of supervised projects. For real estate enterprises with a credit rating of A and above, the amount of key supervision can be appropriately relaxed by 5%. Accelerate the online signing and filing of new commercial housing, complete the online signing and filing of all reasonably sold houses before the end of March, and safeguard the legitimate rights and interests of buyers and sellers of commercial housing.

Encourage and support enterprises to provide online commercial housing sales and intermediary activities for the masses through mobile APP applications, the Internet, telephone and other channels, realize the "no-meeting" service, and help facilitate real estate transactions. But at the same time, new commercial housing must obtain the pre-sale permit of commercial housing, and the stock houses must be inspected before they can be listed for sale, so as to ensure the people's peace of mind and peace of mind in buying houses.

Relaxation: provident fund support+tightening

On March 5th, Taiyuan Housing Provident Fund Management Center issued the Notice on Actively Responding to the COVID-19 Epidemic and Implementing the phased housing provident fund burden reduction guarantee policy, which mainly included the following contents: If front-line medical staff and other employees can't repay the housing provident fund loans normally, they will not be overdue, moderately increase the support for employees with difficulties in renting houses, and fully support enterprises with difficulties to implement phased holdover.

From April 30th, Taiyuan Housing Provident Fund Management Center issued clear criteria for determining the number of housing units. The Notice stipulates the criteria for determining the number of housing units and loans, the criteria for determining the first suite, the criteria for determining the number of second suites, the criteria for determining the number of more than two housing units, the criteria for determining the number of excluded housing units and loans, and the inquiry methods for the number of housing units and loans.

These two new policies, on the one hand, give support to deposit enterprises and employees, and at the same time adjust the loan threshold to provide loan guarantee for buyers who really need to solve the housing problem.

According to the purchase restriction policy issued by Taiyuan Municipal Government in May, 2065438+2008, households who purchase the first home apply for commercial personal housing loans, with the down payment ratio of not less than 30%, and the loan interest rate is implemented with reference to the benchmark interest rate; Residents who buy a second home apply for commercial personal housing loans, the minimum down payment ratio is not less than 40%, and the loan interest rate is not less than 1. 1 times of the benchmark interest rate; Families who buy third or above houses will suspend the issuance of commercial personal housing loans. The down payment ratio of provident fund loans is the same as above.

After this adjustment, the provident fund loan will be implemented "recognizing the house and recognizing the loan". That is, I have had a mortgage or bought a house once before, and buying a house again is two sets. There are three situations in which borrowers apply for loans to buy houses for the first time. If the family has registered 1 houses or above in the house registration system of the place where the house is to be purchased, the house purchased by refinancing must be the second house or above; If the borrower has used the loan to purchase 1 house and above and applied for a loan to purchase a house, it is also regarded as the second house and above; On the other hand, if the bank is convinced that the borrower's family already owns 1 house and above through various forms of surveys such as inquiring about credit records and home visits, it will also refinance according to the second house and above.

Exquisite and true: fully implementing green standards in urban architecture

In addition to the policy adjustment of the market, Shanxi architecture has also begun to practice "internal strength". In April, our province issued the "Green Building Special Action Plan". In the future, new buildings in cities and towns in the province will fully implement green building standards. In 2020, the proportion of green buildings in the newly started area will reach 50%.

Green building, as its name implies, is a high-quality building that can realize energy saving and emission reduction. In the whole life cycle, it can save resources, protect the environment, reduce pollution, provide people with healthy, applicable and efficient use space, and maximize the harmony between man and nature.

According to industry insiders, from the overall market trend, China's trend and policy support to promote building energy conservation and green building development reached a new height in the "Thirteenth Five-Year Plan", and the development goal of the green building market has also changed from green building certification to energy conservation and green development. The concept extends to all aspects of the construction field.

In addition, real estate service companies will continue to explore the operation and maintenance of existing properties and their sustainable potential, and the effective transformation of existing properties will bring positive benefits to owners and users. After the transformation of green buildings, the average operating cost can be reduced by 4% in one year, and the average decline is expected to reach 9% in five years. In addition to developing LEED in first-tier cities, deepening the new construction market in second-and third-tier cities is the development trend in the next two years.

Dialect: There are new regulations on renting and rebuilding.

In the past two years, Taiyuan has focused on developing the housing rental market.

In June, "Shanxi Province Rental Housing Renovation Guidelines (Trial)" was issued, which standardized rental housing renovation activities from technical standards and management, ensured the safety of rental housing, increased the supply of rental housing, and improved the people's rental environment. Among them, it is clear that bedrooms shall not be divided and rented, and aisles, kitchens, bathrooms, balconies, storage rooms and underground storage rooms shall not be converted into bedrooms.

In recent years, the housing rental market in our province has developed rapidly, which has played an important role in solving the housing problems of new citizens such as migrant workers and newly employed college students. However, there are still some problems, such as the shortage of newly built rental housing, the mismatch between existing housing units and the needs of new citizens, the lack of technical standards for transforming non-residential housing into rental housing, and even the chaos of illegally transforming houses for rent and illegally cutting off group rent in cities with strong rental demand.

After the publication of the "Guidelines", non-residential buildings such as commercial office buildings and industrial plants are required to be rebuilt in a centralized way with approval, and the original building structures are identified for safety. For those who do not meet the conditions of rental housing, reinforcement measures should be taken to provide facilities and equipment such as kitchen, bathroom, leisure and fitness in public areas to meet the needs of public activities and social interaction of the lessee.

Decentralized decoration of commercial housing should take the originally designed room as the smallest living unit, and bedrooms should not be divided and rented, and aisles, kitchens, bathrooms, balconies, storage rooms and underground storage rooms should not be converted into bedrooms or affect or destroy their functions. The materials, equipment and indoor air quality used in the renovation shall conform to the relevant regulations after the completion of the project, and shall not endanger the safety and health of the lessee.

Say goodbye to the old and welcome the new: old-age facilities should become the "standard" of the community.

In May, the Shanxi Provincial Government issued the "Implementation Opinions on Promoting the Development of Old-age Services", pointing out that new residential quarters should be planned, constructed, accepted and delivered synchronously with old-age service places. In the old community without old-age service facilities, the county government will solve the old-age service places by purchasing, replacing, leasing or selecting new sites in the community. By 2022, the compliance rate of supporting construction will reach 100%.

Old-age facilities will become one of the necessary conditions for future housing. This year, Shanxi will encourage the integrated development of real estate industry and health care industry, and encourage and support real estate development enterprises to develop and build health care projects. Conditional cities can build a certain proportion of apartments for the elderly in new real estate development projects, and property service enterprises should work closely with medical institutions and pension service institutions to provide convenient services.

Do sth unconventional or unorthodox: The architectural color of Taiyuan should be soft and elegant.

At the end of April, Taiyuan City Planning and Natural Resources Bureau issued the "Guidelines for Planning and Control of Architectural Landscape in Taiyuan City". In order to shape the characteristics of Taiyuan city, strengthen the control of architectural landscape, improve the quality of public space, and promote the systematization, refinement and standardization of urban design guidance, the "Guidelines for the Control of Architectural Landscape Planning in Taiyuan City" was formulated.

The architectural facade style should fully reflect the regional culture, climate characteristics and spirit of the times of Taiyuan, reflect the characteristics of architectural functional types, and coordinate with the overall style of streets and blocks. Taiyuan's architectural colors should be soft and elegant, and high-chroma primary colors should not be used in large areas. For buildings located within the visual threshold range of mountain attractions, landmark high-rise buildings (structures) and airport take-off and landing routes, the roof colors should be unified and coordinated, and anti-reflective materials should be used. It is forbidden to use roofing materials with high chromaticity and high reflectivity. For residential projects above 10, it is advisable to combine the layout of group buildings to carry out color zoning between buildings or groups.

Every city has its own "personality", and the image of the city needs careful design. In today's efforts to build a green modern landscape city, Taiyuan's requirements for urban style and color are refreshing.

Original title: Taiyuan property market "soldiers on the battlefield" in the first half of the year: the policy has changed a lot, and the word is stable and standardized.