Ziyang, Sichuan: Parents' children's provident fund can be withdrawn to pay for the house purchase.

According to Ziyang Housing Provident Fund Management Center, on June 6, Ziyang issued the Notice (hereinafter referred to as the Notice).

The "Notice" shows that the housing provident fund for newly purchased houses can be loaned. Those who purchase self-occupied housing and apply for housing provident fund loans within the administrative area of this Municipality may apply for withdrawal of the deposit balance that is not included in the loan amount calculation, but the sum of the withdrawal amount and the loan amount shall not exceed the total purchase price.

Intergenerational mutual assistance of provident fund families. Workers who pay for the purchase of self-occupied housing within the administrative area of this Municipality may apply for the withdrawal of housing provident fund from their parents or children to pay for the purchase; If the paid employees and their parents or children purchase self-occupied housing and apply for housing provident fund loans within the administrative area of this Municipality, they will not be restricted by the paid employees' share of the property rights of the housing they purchased.

Ziyang will implement phased deferred payment of housing provident fund. Enterprises affected by the epidemic can apply for holdover of housing provident fund in accordance with the regulations, and pay it back after the expiration. During this period, paid employees can normally withdraw and apply for housing provident fund loans, which is not affected by the holdover. If the depositor affected by the epidemic cannot repay the housing provident fund loan normally, it will not be overdue and will not be included in the credit record.

The document shows that the city will cancel the mortgage deposit. For the projects that have newly signed the supervision agreement on pre-sale funds of commercial housing, the staged guarantee of mortgage loans of development enterprises will be included in the supervision scope of pre-sale funds of commercial housing, and financial institutions and housing provident fund centers will no longer collect mortgage loan deposits.

Implement differentiated housing credit policies. Guide financial institutions to reduce the down payment ratio and loan interest rate of commercial personal housing loans, increase support for rigid housing and improved housing, and better meet the reasonable housing needs of buyers. We will increase financial support for real estate development projects and speed up the supply of real estate credit. Financial institutions shall not blindly borrow, cut off or suppress loans; If it is difficult to repay the due loan, the loan shall be extended or renewed.

Reduce the charging standard for real estate transaction services. For the newly leased land for real estate development and construction, according to the Notice of Sichuan Provincial Department of Land and Resources on Re-establishing Real Estate (Mine) Transaction Service Fee (SJJ [2006] No.229), the real estate transaction fee will be charged at a reduced rate of 50%.

Optimize the time limit for payment of supporting fees for urban infrastructure. The development enterprise promises in writing that the supporting fee for urban infrastructure can be paid 50% before the first pre-sale permit for commercial housing, and paid in full before the completion acceptance.

Increase the support of tax incentives. The taxable gross profit margin of the development enterprise in selling unfinished development products is adjusted to 10%. For enterprises that have successfully applied for urban landscaping and ecological community construction, if they meet the preferential tax policies for the development of the western region, the enterprise income tax will be levied at a reduced rate of 15%. Considering the actual tax burden of land value-added tax liquidation and the overall development trend of the real estate market, the withholding rate of land value-added tax will be lowered in a timely manner.

Optimize the deposit method of residential special maintenance funds. For the special housing maintenance fund that should be paid by the development and construction unit when the house is registered for the first time, the development and construction unit can be allowed to lock the house with the same value and promise to bear part of the maintenance cost, and then apply for the first registration.

Optimize the pre-sale handling conditions. Reduce the image progress requirements of pre-sale permit, and apply for pre-sale permit for commercial housing when the image progress of the main building of a single building reaches a quarter or more of the total number of main floors (including underground floors).

Reasonably adjust the housing expropriation policy. For newly started housing expropriation projects, encourage monetary compensation and resettlement, formulate incentives for resettlement in different places, and guide resettlement in different places. In principle, no new resettlement houses will be built. For resettlement housing projects that have not yet started, we will optimize, adjust and replace those that have the conditions for change in combination with the actual situation of the project and the wishes of the masses.

Continue to rectify the order of the real estate market. We will carry out comprehensive and in-depth activities to standardize and rectify the order of the real estate market, intensify inspection and law enforcement in the fields of real estate development, housing sales, housing leasing and property services, focus on cracking down on illegal advertisements, false propaganda, evasion of fund supervision, illegal and illegal construction and "house trouble" and "channel companies", and take measures such as warning interviews, credit deduction, suspension of business for rectification, revocation of business licenses and qualification certificates in accordance with laws and regulations, and make public exposure.

Establish a public welfare commercial housing transaction display platform. Government-led, highlighting the public welfare attributes, building a commercial housing transaction display platform integrating online display, online housing selection, independent inquiry and other functions to promote housing consumption.