How to get the reference price of second-hand houses in Chengdu? How to restrict the sale of French auction houses? The authoritative interpretation is coming!

On March 22nd, the Notice of the Office of the Leading Group for the Stable and Healthy Development of Chengdu Real Estate Market on Further Promoting the Stable and Healthy Development of the Real Estate Market was officially released. How soon will the notice be implemented? How to restrict the sale of French auction houses? How to control the listing price of second-hand houses? The authoritative interpretation is coming!

1. What is the background of the policy?

In order to resolutely implement the decision-making arrangements of the CPC Central Committee and the State Council, promote the stable and healthy development of the real estate market, ensure the completion of the regulatory objectives of "stabilizing land prices, stabilizing housing prices and stabilizing expectations", continuously maintain the competitiveness of living costs, maintain the dominant position in the ratio of housing prices to income in major cities across the country, build a livable place with high quality of life, and enhance residents' sense of happiness and acquisition, Chengdu, in accordance with the unified arrangements of the municipal party Committee and the municipal government, aims at the main problems existing in the current real estate market.

Second, what are the main contents of the policy?

The circular adheres to problem orientation, goal orientation and result orientation, further strengthens precise policy and systematic governance, and puts forward 16 measures from seven aspects: strengthening the management of residential land supply, deepening the linkage mechanism of housing prices and land prices, increasing housing security, strengthening the management of housing transactions, strictly supervising financial prudence, strengthening the supervision of market order, and implementing the main responsibility of regulation and control.

3. What measures does the policy take to strengthen the management of residential land supply?

1. Increase the supply of residential land. In 20021year, the total supply of residential land in the city increased by more than 20%, accounting for no less than 65% of the operating land. The land for rental housing is planned separately, and the land for affordable housing should be guaranteed.

2. Strictly implement centralized announcement and transfer of commercial residential land in the central city, rationally formulate land transfer plans, resolutely curb irrational land acquisition, and effectively stabilize land prices and market expectations.

3. First, strengthen the qualification examination of land bidding subjects. Bidders who exceed the "three red lines" of real estate development enterprises and have serious dishonesty may not participate in land bidding in Chengdu.

Four, why should we implement the "price limit, quality, competitive land price" residential land transfer method?

In order to effectively prevent the risks in the real estate market and ensure the completion of the regulatory objectives of "stabilizing land prices, stabilizing housing prices and stabilizing expectations", the land transfer of commercial residential land in the central city has been fully implemented with "price limit, quality determination and competitive land prices", and the excessive rise in housing prices has been resolutely curbed. Before participating in the auction of commercial residential land, bidders signed a letter of commitment to know the joint requirements of housing price, land price and quality and rational bidding of the land to be sold, and incorporated the letter of commitment into the land transfer contract to reduce and avoid the adverse effects brought by irrational bidding, stabilize land price and market expectations, and maintain the stable and healthy development of Chengdu real estate market.

5. What are the specific measures to strengthen housing security in Chengdu?

1 is to adhere to the people-centered development thought, conform to the people's new expectations for a happy and beautiful life, and make classified policies and precise guarantees for different groups with housing difficulties. For families with "double difficulties" in housing and income with urban household registration, the policy of "should be guaranteed as much as possible" and "should be guaranteed as much as possible" should be implemented by giving priority to physical security and supplemented by rental subsidies; For lower-middle-income families with urban household registration, we will take the form of rental subsidies as the main part and physical security as the supplement, and strive to solve the housing difficulties and fully guarantee housing; For new citizens, young people with housing difficulties and migrant workers with stable employment in cities and towns, we will actively solve their staged housing difficulties through rental subsidies, supporting housing in industrial functional areas and policy rental housing.

2. Focusing on the dream project of youth's innovation, entrepreneurship and employment, we will implement the talent apartment construction mode, which is mainly based on the allocation of commercial housing and supplemented by newly-built land, and further increase the supply points and flexible supply sequences of talent apartments to meet the diversified needs of talents for housing location, quality, apartment type and other factors. We will implement the preferential housing policy, enjoy a 15% discount on the purchase price when purchasing talent apartments with a specified area, enjoy rent subsidies when renting talent apartments, and purchase them at a preferential market price when staying, effectively improving the sense of happiness and acquisition of talents.

6. What measures does Chengdu have in developing housing leasing?

Chengdu is making great efforts to meet the housing needs of new citizens, especially migrant workers and newly employed college students, and increasing rental housing through multiple channels.

1, increase the supply of rental housing construction land, and list the rental housing land separately in the residential land supply plan, accounting for no less than10%; Encourage the compatible and compound use of land use, focus on the construction of rental housing by using industrial land and supporting service facilities for new industrial land, and accelerate the use of collective construction land to build rental housing.

2. Improve the way of raising rental housing, and speed up the supply of rental housing by focusing on new construction, supporting the construction of commercial housing projects, transforming idle and inefficient non-residential houses according to regulations, and revitalizing idle houses for housing leasing. In the next five years, the city will add 300,000 sets of rental housing in 20021year, with no less than 60,000 sets of new rental housing, including no less than 40,000 sets of newly built or renovated rental housing.

3. Improve the long-term rental policy, further establish and improve the institutional mechanism conducive to the stable development of long-term rental, standardize the housing rental market order, protect the legitimate rights and interests of both parties to the lease, continuously expand the scope of the lessee's right to enjoy public services, and build a policy system covering the standardized development of the whole industrial chain of construction, management and operation.

7. How to understand the number of registered buyers in the current period, the number of houses for sale is 3 times or more, and the purchase restriction period of purchased commercial houses is extended from 3 years to 5 years?

September 2020 14. Chengdu issued the Notice on Maintaining the Stable and Healthy Development of Chengdu's Real Estate Market (Cheng Ban Fa [2020] No.83), which stipulated: "Strengthen the examination of hot-spot real estate sales plans, reasonably determine the proportion of houses and subscriptions, and give priority to ensuring the housing needs of families without houses". The Supplementary Notice of the Municipal Bureau of Housing and Urban-Rural Development and the Municipal Bureau of Justice (Zhu Cheng J&F [2020] No.398) stipulates that "if the number of registered buyers is three times or more than the number of houses for sale in the current period, all houses will only be sold to registered households without houses and monetized resettlement households with shed reform". In order to adhere to the orientation of "housing without speculation", resolutely crack down on real estate speculation and effectively solve the housing problem of families without housing, the restriction period for purchasing such commercial housing has been extended from the original three years to five years.

From the date of promulgation of this notice, the projects that have received the pre-sale permit (opinions on filing of cash sales) shall be implemented according to these regulations, and the projects that have received the pre-sale permit (opinions on filing of cash sales) before promulgation of this notice shall be implemented according to the original policy.

Eight, how to understand that the main housing in this city obtained according to the contract, as well as the main housing in Chengdu obtained through judicial auction and sale, should comply with the provisions of Chengdu's housing purchase restriction and sale restriction policy?

Recently, some illegal intermediaries used Chengdu's "legal auction house" not to be included in the scope of purchase restriction and sale restriction for malicious speculation, and the phenomenon that individual parties fabricated creditor's rights and debt disputes to obtain housing through litigation occurred from time to time, thus circumventing the purchase restriction policy in disguise. Therefore, the notice will include housing obtained through judicial procedures such as "legal auction houses" into the management of restricted purchases and sales, plugging policy loopholes. The subjects stipulated in the Notice include natural persons, legal persons and unincorporated organizations.

In the practice of judicial auction, whether the bidder meets the housing purchase restriction policy of this Municipality shall bear the corresponding consequences. Once the ruling document of judicial auction is issued, the bidder cannot transfer the ownership because it does not meet the housing purchase restriction policy of this Municipality, and must bear the legal consequences of destroying the auction. Before the implementation of this "Notice", if it has entered the bidding link of judicial auction, it will still be implemented according to the original policy.

Bringing forward houses into the management of restricted sales means that according to the Notice of the General Office of Chengdu Municipal People's Government on Further Improving the Regulation Policy of Chengdu's Real Estate Market (Cheng Ban Fa [20 18] 17No.), "newly purchased commercial houses or second-hand houses in the city can not be transferred until the property right certificate has been obtained for three years", in which the ways of "transfer" include buying, selling and giving.

9. How to understand that the transferee of a development project obtained through judicial disposal or equity transfer should develop according to the development conditions agreed in the original land transfer contract and performance agreement, and sell the house according to the regulatory requirements?

In order to further standardize the development and sales behavior of development projects obtained through judicial disposal and equity transfer, the notice stipulates: First, the transferee shall fulfill the obligations such as planning conditions, self-sustaining property, public facilities configuration and construction agreed in the original land transfer contract and project performance agreement. ; The second is to strictly implement the regulatory requirements such as purchase restriction, sales restriction and commodity housing price guidance.

X. Why should we establish a release mechanism for the reference price of second-hand housing transactions?

Recently, there have been some behaviors that disrupt the market order in the second-hand housing market in some areas of Chengdu, such as chaotic listing prices, driving up housing prices, and some owners' "holding together to raise prices". In order to improve the transparency of second-hand housing information and promote rational transactions, Chengdu plans to learn from the practices of Shenzhen and other cities and establish a reference price release mechanism for second-hand housing transactions. In addition, we will take the following measures to further standardize second-hand housing transactions.

First, strengthen the control of the listing price of second-hand houses, requiring brokers not to accept and publish the listing price significantly higher than the reasonable transaction price of the property, and social network information platforms should cooperate with technical control; Second, it is important to sort out the actual transaction prices of second-hand houses in hot areas and hot properties in advance, gradually form the regional grid reference prices of second-hand houses, and publish them regularly in official website, WeChat official accounts and "Chengdu Housing Leasing Transaction Service Platform" to guide the second-hand housing market and strengthen the management of second-hand housing transactions.

Eleven, how to strengthen the supervision of commercial housing pre-sale funds?

In order to prevent the risk of commercial housing project shutdown and stop construction, and protect the legitimate rights and interests of buyers, the supervision of pre-sale funds of commercial housing in Chengdu should strictly implement the provisions of the Measures for the Supervision of Pre-sale Funds of Commercial Housing in Chengdu (Cheng Ban Fa [2020]10/No.). Development enterprises, housing and construction departments and commercial banks should earnestly fulfill their supervision responsibilities of pre-sale funds, strictly control the payment nodes of pre-sale funds in construction progress, and effectively guarantee them.

Twelve. What is the specific content of the adjustment of differentiated housing credit policy?

In order to adhere to the position that houses are used for living, not for speculation, and promote the stable and healthy development of Chengdu real estate market, Chengdu Branch of the People's Bank of China guided and studied the self-discipline mechanism of market interest rate pricing in Sichuan Province, and adopted a resolution to adjust Chengdu's differentiated housing credit policy. The main contents are as follows:

(a) the minimum down payment ratio is 30% if there is no house in this city under the name of a resident's family and there is no housing loan record (including commercial housing loans and provident fund housing loans, the same below).

(2) If a resident family has no housing in this city but has a record of settled housing loans, or owns 1 apartment in this city but has no record of housing loans, or owns 1 apartment in this city but has settled housing loans, the minimum down payment ratio for purchasing ordinary housing is 40%, and the minimum down payment ratio for purchasing non-ordinary housing is 50%.

(3) The regional application scope includes Chengdu Zhiguan District of Tianfu New District, Chengdu High-tech Zone (including South Park and West Park of High-tech Zone), Jinjiang District, Qingyang District, jinniu district, Wuhou District, chenghua district, Longquanyi District, Xindu District, Wenjiang District, Shuangliu District and Pidu District 12 area.

(four) in addition to the above adjustments, other matters continue to be implemented in accordance with the relevant provisions of the original differentiated housing credit policy.

Thirteen. What measures does the policy have in strict financial prudential supervision?

First, strictly implement the central real estate macro-control spirit, implement the requirements of the People's Bank of China and China Banking Regulatory Commission's "Management System of Real Estate Loan Concentration of Banking Financial Institutions" and other relevant regulations, enhance the ability of banking financial institutions to resist fluctuations in the real estate market, and improve the stability of banking financial institutions.

The second is to urge banking institutions to effectively strengthen the management of the use of personal loan funds, adhere to the positioning of "housing and not speculating", prevent chaos in the personal loan market, eliminate the effects of real estate regulation and control policies, and actively and steadily promote the stable and healthy development of the real estate market.

Fourteen, how to strengthen the supervision of market order?

In order to further standardize the order of the real estate market, optimize the market environment and stabilize market expectations, the Notice proposes to strengthen the supervision of real estate development enterprises, intermediaries, online platforms, media, individuals and other market entities, and severely crack down on hoarding, malicious speculation, publishing false advertisements, buying houses under various pretexts, driving up housing prices, and inducing evasion of regulatory policies. For the above acts, measures such as interview, public notification, suspension of online signing, inclusion in the "blacklist" of industry dishonesty and market ban will be taken according to law, and those suspected of committing crimes will be handed over to judicial organs for handling. In particular, recent behaviors in the market, such as "buying a house under the name" (holding it on behalf of others) that violate public order and good customs and evade the purchase restriction policy, will be resolutely cracked down by restricting the online signing and filing of housing transactions of relevant parties, participating in the purchase registration of commercial housing in Chengdu, and purchasing or leasing affordable housing and talent housing. Suspected of a crime, transferred to judicial organs for investigation and handling.

Fifteen, how to improve the quality of housing?

In order to implement the new development concept and promote the development of high-quality housing, Chengdu will take the following measures to further improve the quality of housing construction, which will be specified in the land transfer contract:

First, steadily promote prefabricated buildings and green buildings. In principle, the newly acquired residential construction projects in this city will fully implement the assembly building method and green building requirements.

The second is to strengthen the management of finished residential decoration products. Development enterprises should publicize the decoration list of finished houses in a prominent position at the sales site, set up model houses according to the delivery standards, do a good job in the relevant opening work, and incorporate the decoration list into the commercial housing sales contract. Provide diversified design schemes for buyers to choose from to meet the needs of different buyers for the decoration of finished residential products. Encourage the sale of existing houses of finished houses.

The third is to strengthen construction quality management. Vigorously promote the quality insurance of residential projects and expand the scope of implementation; Try out the information publicity system of residential projects, actively publicize the basic construction, building materials, project acceptance, quality warranty and complaint acceptance of residential projects, and accept social supervision; Formulate quality management standards, optimize quality management methods, establish a quality-oriented credit management system with full coverage of construction responsibility subjects, and link enterprise credit with enterprise market behavior; Strengthen supervision, compact the main responsibilities of the construction unit, do a good job in the acceptance of the five responsible subjects, implement the lifelong responsibility system for project quality, seriously deal with the accountability for quality problems, and incorporate them into credit evaluation.

Red Star journalist Wang Yao