20 measures to optimize the property market environment in Lanzhou: the minimum down payment ratio of the second suite is 30%, and the "recognizing the house and recognizing the loan" is cancelled.

2 1 Century Business Herald reporter Zhang Yannan, an intern in Sharla Cheung, reports.

On April 5th, Lanzhou Municipal People's Government issued "Several Measures for Implementing the Strategy of Strengthening the Province in Lanzhou to Further Optimize the Business Environment (1No.)" (hereinafter referred to as the "Notice"), and launched 20 measures in four categories, which were used to "deepen the reform of the examination and approval system for engineering construction projects, strengthen the service guarantee for housing construction projects, support the healthy development of enterprises in a virtuous circle, and stimulate market vitality".

The "Notice" proposes to lower the threshold for individuals to purchase housing. Individuals purchase the first house through commercial banks and provident fund loans, and the minimum down payment ratio is not less than 20%, and the minimum down payment ratio for the second house is not less than 30%.

Previously, the minimum down payment ratio for the first suite in Lanzhou was 20%, but only for the buyers of provident fund loans, the minimum down payment ratio for commercial loan buyers was 30%. For the second suite, the minimum down payment ratio for provident fund loans is 30%, and the minimum down payment ratio for commercial loans is 40%.

The Notice also pointed out that it is necessary to increase the issuance of personal housing mortgage loans and guide financial institutions to implement preferential loan interest rates in accordance with regulatory requirements. For families who own a house and have settled their house purchase loans, financial institutions will implement the first home loan policy if they apply for loans to buy houses again in order to improve their living conditions.

At the same time, individuals purchase housing through provident fund loans, and the maximum amount of provident fund loans is 600,000 yuan for single employees and 700,000 yuan for dual employees.

In addition to the above-mentioned preferential measures for property buyers, Lanzhou has also introduced a number of measures to "reduce the burden and support the virtuous circle of enterprises". For example, the bid bond shall be executed according to the specified minimum ratio (20% of the initial listing price); Extend the payment period of land payment as the case may be, with a maximum of 6 months; Focus on supporting high-quality housing enterprises to merge and acquire difficult housing enterprises projects, and so on.

Lanzhou also proposed to further optimize the use process of pre-sale funds and reduce the time limit for approval of pre-sale funds. Actively promote the online application, review and payment of pre-sale funds, implement "no meeting" approval, and improve the efficiency of pre-sale funds allocation and use.

In addition, Lanzhou has also introduced a number of measures to optimize approval and speed up project development and construction.

Judging from the contents of the notice, Lanzhou is one of the cities with the greatest efforts to adjust and optimize the policy environment of the property market this year.

According to the data of the National Bureau of Statistics, since August 20021,the prices of new and second-hand houses in Lanzhou have fallen for seven consecutive months.

Full text of the attached document:

Lanzhou city further implements the strategy of strengthening the province.

Some measure to optimize that business environment

(No.1)

In order to implement the strategy of strengthening the province with talents, further optimize the business environment, deepen the reform of the examination and approval system of engineering construction projects, strengthen the service guarantee of housing construction projects, support the virtuous circle and healthy development of enterprises, and stimulate market vitality, the following work measures are put forward.

First, optimize examination and approval and speed up project development and construction.

(1) Optimize the approval process of engineering construction. Compress the examination and approval time, implement agency, deepen the information sharing in the whole process of engineering construction examination and approval, and compress the average time limit of engineering construction project examination and approval to less than 30 working days.

(two) the implementation of the state-owned construction land use right transfer plan. Incorporate urban design, planning and design scheme, supporting public facilities and other related contents into the contract for transferring the right to use state-owned construction land, and the transferee will directly issue the construction project planning permit after obtaining the land use right. High-rise buildings can go through the formalities of foundation pit excavation in advance to realize "land acquisition and construction".

(3) Standardize the access procedures for mortgage loans. For real estate projects that have obtained the pre-sale permit of commercial housing, financial institutions and housing provident fund management centers shall handle the mortgage loan access procedures in a timely manner, and shall not set access thresholds or collect access deposits from enterprises without authorization.

(four) the implementation of "certificates". Strengthen departmental cooperation, deepen information sharing and integration, and comprehensively implement the "certificate upon delivery" of new commercial housing on the basis of "multi-measurement integration" and "joint acceptance". Commercial housing that has obtained the certificate of immovable property rights can be listed and traded after three years of online signing.

Second, reduce the burden and support the virtuous circle of enterprises.

(five) reasonably determine the proportion of bid bond payment for the transfer of the right to use state-owned construction land. From April 1 2022, the right to use state-owned construction land will be transferred by means of bidding, auction or listing, and the bid bond will be executed according to the prescribed minimum ratio (20% of the initial listing price), and the rest will be paid within one year after the signing of the Contract for Transferring the Right to Use State-owned Construction Land.

(six) reasonably determine the land transfer price and the payment period of compensation for reserved land. Hou202 1, 1, 1, 1, 65438, 1, 65438, 1, 1, 65438.

(seven) increase the project loan support. Encourage financial institutions to carry out M&A loans in a steady and orderly manner, and focus on supporting high-quality housing enterprises to merge and acquire difficult housing enterprises. Financial institutions that support the development of loans and reduce the interest rate of personal mortgages will be given priority support in adding government financial deposits and fund accounts.

The third is to improve efficiency and strengthen project service guarantee.

(eight) improve the supporting facilities. For the completed community, measures such as improving traffic conditions, installing elevators, transforming pipe networks, increasing fitness facilities, greening and beautifying will be taken to make up for the lack of supporting public facilities and create a 15 minute living circle; Projects under construction and new construction should build supporting public facilities such as education, old-age care, medical care, transportation, parking and pipe network in accordance with the planning requirements, and explore the construction mode of supporting public facilities, so as to achieve synchronous planning, synchronous design, synchronous construction, synchronous completion and acceptance, and synchronous delivery of project construction and supporting public facilities.

(9) Strengthen coordination and guarantee. Implement the main responsibilities of the government and functional departments in the jurisdiction, increase the intensity of collection and demolition, and ensure that the project effectively landed and started on schedule; Actively follow up the service, coordinate and solve the project construction procedures and supporting infrastructure such as water, electricity, gas, heating and roads to ensure the smooth implementation of the project.

(10) Promote monetized resettlement. For new collection and resettlement projects, monetary resettlement is the main method, and the expropriated person is encouraged to choose monetary resettlement.

(eleven) improve the efficiency of the use of pre-sale funds. Further optimize the use process of pre-sale funds, reduce the time limit for approval of pre-sale funds, actively promote online application, review and payment of pre-sale funds, and implement "no meeting" approval to improve the allocation and use efficiency of pre-sale funds.

Fourth, stimulate vitality and promote the healthy development of the market.

(12) lowering the threshold for individuals to purchase housing. Individuals purchase the first house through commercial banks and provident fund loans, and the minimum down payment ratio is not less than 20%, and the minimum down payment ratio for the second house is not less than 30%.

(thirteen) to reduce the burden of personal housing consumption. Increase the issuance of personal housing mortgage loans and guide financial institutions to implement preferential loan interest rates in accordance with regulatory requirements. For families who own a house and have settled their house purchase loans, financial institutions will implement the first home loan policy if they apply for loans to buy houses again in order to improve their living conditions.

(fourteen) increase the support of housing provident fund. Individuals purchase housing through provident fund loans, and the maximum amount of provident fund loans is 600,000 yuan for single employees and 700,000 yuan for dual employees. We will fully implement the "provident fund commercial bank" portfolio loan, expand the online channel of "rushing to repay the loan", and reduce the pressure on employees to return their houses. For all kinds of "Long Yuan talent card (service card)" cardholders, formulate preferential policies for housing provident fund withdrawal and loan differentiation.

(fifteen) to support diversified housing needs. Implement "rent and purchase at the same time", increase the construction of affordable rental housing, cultivate the housing rental market, and promote "rent and purchase with the same rights". For the purchase of apartments actually used for living, the civil price standard is determined and the settlement procedures are allowed.

(sixteen) to increase the strength of talent housing security. Provide housing security for newly introduced talents, such as physical security, housing subsidies and rental subsidies. Promote the construction of "Cui Ying community", make overall use of all kinds of housing, speed up the construction of "carrying bags to stay" talent apartments, and establish a multi-level and multi-channel talent housing security mechanism. Relevant talents who do not enjoy affordable housing shall be subsidized by governments at all levels and employers for buying or renting houses. Encourage social forces to participate in the construction of talent turnover apartments or buy commercial housing for rent, and increase the supply of talent apartments; Support universities, research institutes and other talent-intensive units to use their own state-owned construction land according to law or build talent turnover apartments and expert apartments through shantytown renovation and centralized contiguous development.

(seventeen) to support new citizens to buy houses. Encourage new citizens and flexible employees to establish and pay housing provident fund. Those who deposit the housing provident fund in Lanzhou shall handle the housing provident fund withdrawal and loan business in accordance with the same conditions as the employees who deposit the housing provident fund in this city.

(eighteen) to support the needs of filial piety and respect for the elderly. For adults who work and live in Lanzhou and need to bring their parents and other close relatives from different places to live in Lanzhou, support them and allow their families to buy new houses in the restricted purchase area. Families with two or three children who meet the national birth policy are allowed to buy a new house in the restricted purchase area. Give policy support to the implementation of the aging transformation of old residential areas and the design and construction of new projects.

(nineteen) improve the quality of housing. We will make every effort to promote green buildings, develop prefabricated buildings, support enterprises to apply new technologies, new processes and new materials for energy conservation and environmental protection, promote the industrialization, digitalization and intelligent upgrading of buildings, create quality projects, improve the quality of houses, and encourage decoration and delivery. Give policy support to green building projects in taxation, credit and sales.

(twenty) standardize the order of the real estate market. Adhere to the principle of "housing without speculation" and follow the general requirements of "stabilizing land prices, housing prices and expectations", continue to crack down on the chaos in the real estate market, strengthen supervision over real estate development, housing sales, pre-sale funds, housing leasing, property services and credit reporting, take effective measures to improve the real estate market environment, better meet the reasonable housing needs of buyers, and promote the virtuous circle and healthy development of the real estate industry in our city.

Original title: 20 measures in Lanzhou to comprehensively optimize the property market environment: the minimum down payment ratio of the second suite is 30%, and the "recognition of housing and loan" is cancelled.