20 19 the down payment ratio of the first suite in Jingdezhen and the loan interest rate for the first suite certification policy.

County (city, district) people's governments, municipal government departments and relevant units directly under the municipal government:

"Implementation Opinions on Further Promoting the Stable and Healthy Development of the Real Estate Market (Trial)" has been deliberated and adopted at the 45th executive meeting of the municipal government on May 5, and is hereby issued to you, please earnestly organize the implementation.

May 22(nd)

(This film is voluntary)

Opinions on further promoting the stable and healthy development of the real estate market

Opinions on development and implementation (for Trial Implementation)

In order to implement the spirit of the Notice of the Provincial Housing and Construction Department on Promoting the Stable and Healthy Development of the Real Estate Market (Gan Jian Fa [2014] No.4), further optimize the business environment of the real estate development industry in our city and promote the healthy and stable development of the real estate market. According to the spirit of the relevant documents of the central and provincial governments, combined with the actual situation in our city, we hereby put forward the following opinions:

First, let go of housing purchase restrictions. 1. There is no restriction on the number of commercial houses purchased in the central city, and there is no need to provide family housing inquiry files, and there is no need to provide tax payment or social insurance payment certificates for a certain number of years. No longer restrict overseas institutions and individuals from buying houses. 2, encourage the transfer of rural labor force, college graduates and the introduction of all kinds of professionals, overseas institutions and individuals to buy commercial housing in our city. 3. Foreigners who buy commercial housing in Jingdezhen can apply to the local police station for the settlement procedures of the owner and the immediate family members living with * * * with the purchase contract and invoice, and enjoy the preferential policies for purchasing houses.

Two, the implementation of housing deed tax subsidy measures. For individuals to buy ordinary housing, which belongs to the only family housing, the deed tax will be levied by half; If an individual purchases an ordinary house of 90 square meters or less, which belongs to the only family house, the deed tax shall be levied at the rate of 1%. (Matters related to single-family housing standards shall be implemented in accordance with the Notice of Jiangxi Provincial Local Taxation Bureau of Jiangxi Provincial Department of Urban and Rural Construction and Housing Construction on Matters Related to Single-family Housing and Ordinary Housing (Jiangxi Housing Construction [2015] No.2). All its houses are only inquired at the place where the house is purchased. The inquiry certificate only States the situation of all the first-hand houses). If the expropriated person who implements monetary resettlement buys back the house, and the transaction price of the house does not exceed the amount of monetary compensation, the deed tax shall be exempted for the newly purchased house; If the transaction price exceeds the monetary compensation, the deed tax will be levied on the difference. 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.

Third, increase financial support. Conscientiously implement the Notice of the CBRC of China People's Bank on Further Improving Housing Financial Services, implement various preferential policies, increase the supply of housing development loans, and reduce the down payment ratio for individuals to purchase the first ordinary commodity housing. The lower limit of the loan interest rate is 0.7 times of the benchmark loan interest rate, the down payment for the second set of ordinary commodity housing is reduced to 40%, and the interest rate is lowered to the basic interest rate. For individuals who have already repaid their loans, they will buy improved housing again and mortgage according to the first suite.

Fourth, increase the housing provident fund to support employees to buy houses. Accelerate the release of housing provident fund stock funds, lower the threshold for provident fund loans, and increase the loan amount. Housing provident fund loans are for paid employees who purchase the first set of self-occupied housing or the second set of improved housing. The upper limit for employees to unilaterally apply for housing provident fund loans is 350,000 yuan, and the upper limit for dual-employee loans is 500,000 yuan. Reasonable relaxation of loan conditions, the first deposit of employee personal housing loans to buy ordinary self-occupied housing, the minimum down payment ratio is 20%; For the paid employees who have used the housing provident fund personal housing loan once and have settled the loan, in order to improve their living conditions, they will apply for the housing provident fund personal housing loan again to buy ordinary self-occupied housing, and the minimum down payment ratio is 30%. For employees whose household registration is in our city, but their personal labor relations are in different places, they can buy self-occupied housing in our city and apply for personal housing loans from housing provident fund with the relevant materials issued by the housing provident fund management center of their place of employment. When employees purchase owner-occupied housing and apply for housing provident fund loans to pay the purchase price, banks should actively cooperate with the issuance of portfolio loans.

Fifth, improve housing security measures. Accelerate the construction of affordable housing, reasonably solve the housing difficulties of low-and middle-income families in cities and towns, and gradually bring the agricultural transfer population into the urban housing security system. Gradually implement affordable housing "by purchasing (renting) on behalf of the agent", and purchase or lease eligible commercial houses and private small-sized second-hand houses as affordable housing and resettlement houses.

Sixth, speed up the transformation of shanty towns. Comprehensively promote the transformation of shanty towns. In the process of shantytown renovation, monetary compensation will be given priority. For those who choose monetary compensation, a certain percentage of rewards can be given appropriately on the original compensation standard. For those who choose monetary compensation, the combination of physical resettlement and monetary resettlement is adopted to encourage monetary resettlement and guide the expropriated person to buy commercial housing.

Seven, strengthen the control of non-commodity housing transactions. Further standardize the management of non-commodity housing transactions, focus on cracking down on illegal transactions of "two violations" buildings, strictly implement the relevant regulations on the entry of affordable housing into the market, pay back land transfer fees and various taxes and fees, and strengthen the management of other types of non-commodity housing transactions according to laws and regulations.

Eight, reasonable arrangements for land supply. Land and resources departments should keep abreast of relevant information such as the stock, increase and turnover of commercial housing in our city, and adjust the total land supply, structure, layout and procedures accordingly. Relying on the market to grasp the rhythm of land supply, all land is supplied by net land transfer. At the same time, the land supervision department should strengthen the supervision of commercial housing construction land, timely discover and dispose of idle land, and severely crack down on illegal land transfer.

Nine, adjust the payment time of land transfer fees. The down payment of land transfer fee is 50%, and the remaining 50% can be paid within one year from the date of transaction, and the land bidding deposit is paid at not less than 20% of the starting price.

Ten, cancel the restrictions on the proportion of commercial housing in Xing Tao. According to market demand, real estate development enterprises can independently determine the proportion of Xing Tao structure of commercial housing to meet multi-level housing consumption demand.

Eleven, standardize the charging behavior of real estate enterprises. Consolidate the rectification achievements of real estate enterprises, charge real estate development enterprises and projects without laws and policies, and cancel the mandatory payment of housing security fees. Housing maintenance fund is paid after the house is completed and accepted, and it can be charged at a low limit if it meets the laws and policies. Real estate development list valuation.

Twelve, encourage the transformation and upgrading of real estate enterprises. Encourage real estate development enterprises to reorganize, transform and upgrade and become bigger and stronger. Encourage all localities to use the stock of commercial housing to carry out projects such as tourism real estate and apartments for the elderly. Encourage and guide real estate development enterprises to take practical promotion measures to promote housing sales.

XIII. Optimize the government service environment. Development and reform, land, planning, construction, housing management and other departments in accordance with the requirements of deepening the reform of the administrative examination and approval system, streamline examination and approval items, simplify work procedures, and improve the efficiency of examination and approval. For projects that meet the relevant provisions, the approval procedures such as project approval (approval), planning permission, land use, construction permission and pre-sale permission shall be completed within a time limit. Technical review can be entrusted to institutions with relevant technical review qualifications, thus opening up the market and breaking the monopoly.

Fourteen, strengthen property management. Standardize and guide property management enterprises to operate according to laws and regulations, provide quality services and improve the living environment of residential areas. Actively promote the decentralization of daily property management authority, combine territorial management with industry management, give play to the role of districts, streets and communities, and strive to improve the coverage of community neighborhood committees in the community. Owners of residential quarters should consciously pay property service fees. Those who refuse to pay property service fees for a long time can be enforced through litigation to maintain the normal operation of property service in residential quarters.

15. Stabilize market expectations. Further strengthen the publicity of real estate market regulation policies and report the real estate market objectively and fairly. Actively guide consumers to establish a rational concept of housing consumption; Guide real estate development enterprises to actively respond to market changes, take active and flexible measures, promote market transactions, enhance market confidence, and form a public opinion atmosphere to promote the stable and healthy development of the real estate market.

Sixteen, the terms of this opinion in case of national, provincial and municipal policy adjustment, in accordance with the adjusted policy implementation.

This opinion shall come into force as of the date of issuance.