China News Service, July 15th, according to the "Shenzhen Release" WeChat public account, on July 15th, the Shenzhen Housing and Urban-Rural Development Bureau and other departments issued a notice requesting further promotion of the stable and healthy development of the real estate market. The notice proposes to adjust the period of purchase restrictions for commercial housing. Shenzhen households and adult singles (including divorces) must settle in this city for 3 years and must pay 36 consecutive months of personal income tax or social payment in Shenzhen before the date of purchase. Proof of insurance before buying commercial housing.

  The specific notice is as follows:

Adjust the years of purchase restrictions for commercial housing

  In order to purchase commercial housing, Shenzhen households and adult single persons (including divorces) must have settled in the city for 3 years and can provide proof of personal income tax or social insurance payment for 36 months or more in the city before the date of purchase. Non-deep household residents and adult singles (including divorces) shall continue to implement the regulations in order to purchase commercial housing by paying personal income tax or social insurance certificates for 5 years or more in the city before the date of purchase.

  If the spouse divorces, if either party purchases commercial housing within 3 years from the date of the spouse's divorce, the number of housing units it owns is calculated based on the total number of families before the divorce.

Improve differentiated housing credit measures

  On the basis of the unified national credit policy, according to the changes in the real estate market situation in the city and the market interest rate pricing self-discipline mechanism, the city's personal housing loan interest rate is reasonably determined to add a lower limit.

  According to the relevant regulations of the People's Bank of China, as agreed by the Shenzhen market interest rate pricing self-regulatory mechanism, the following requirements are made for differentiated housing credit policies:

  (1) If there is no house and no commercial housing loan record or provident fund housing loan record in the city under the name of the house buyer’s family, the policy of a minimum 30% loan down payment shall continue to be implemented;

  (2) If there is no house in the city under the name of the house buyer but there is a commercial housing loan record or provident fund housing loan record, the loan down payment ratio for the purchase of ordinary houses is not less than 50%, and the loan down payment ratio for the purchase of non-ordinary houses Not less than 60%;

  (3) If the homeowner owns one set of housing in this city, the loan down payment for the purchase of ordinary housing is not less than 70%, and the loan down payment for the purchase of non-ordinary housing is not less than 80%.

Give play to tax regulation

  Update the taxable reference price of existing housing (ie second-hand housing) transactions to make the taxable reference price closer to the market price; at the same time, the VAT exemption period for the transfer of personal housing will be adjusted from 2 years to 5 years.

Refine ordinary housing standards

  Ordinary houses enjoying preferential policies should meet the following conditions at the same time: the construction area ratio of the residential area is above 1.0 (inclusive); the construction area of ​​the single-unit housing is less than 120 (including the number) square meters or the single-unit housing construction area is 144 (including the number) Less than square meters; the actual total transaction price is less than 750 (including the number) ten thousand yuan.

Strengthen sales management of hot real estate

  For hotspot properties with high social concern and a large number of expected home buyers, real estate development companies should formulate property sales in accordance with the principle of giving priority to satisfying the demand for home purchase by households without housing, and based on factors such as the payment of personal income tax or the length of social insurance in this city. Plan, strictly control the number of subscribers, and reasonably determine the proportion of housing and subscriptions. The real estate sales plan shall be reported to the housing construction department in the district where it is located for the record.

Promoting the management of network signing of house mortgage contracts

  To further improve the "three prices in one" system of transaction price, evaluation price, and registration price, the house mortgage contract should be signed online through the real estate information platform. House mortgage contracts that are not signed online will not be subject to property rights registration procedures.

Increase the disclosure of second-hand housing transaction information

  Timely release of reasonable transaction prices for second-hand housing in hotspots and hotspot properties to guide the market in rational transactions. Intermediaries should promptly and accurately report relevant data such as listing and transaction information of second-hand housing to the Municipal Housing Construction Department, and are responsible for the authenticity and accuracy of the reported data. Intermediaries that do not report, omit or conceal reports are suspended according to law Its online signing authority is incorporated into the real estate industry credit system to be jointly disciplinary.

Severely crack down on violations of laws and regulations in the real estate market

  Continue to carry out the rectification of the order in the real estate market, and deal with violations of the laws and regulations that are suspected of overwhelming sales, increasing prices, false advertisements, publishing false houses, maliciously driving up housing prices, misappropriating various types of credit funds into the real estate market, fabricating and disseminating untrue statements, etc. Acting real estate development companies, intermediaries and practitioners, various types of loan subjects, and individual owners, according to law and regulations, take measures such as interviews, suspension of online signing, suspension of business rectification, cancellation of business qualifications, and revocation of business licenses. The transfer of suspected crimes to justice Organ processing. Relevant illegal and illegal information is publicly exposed and incorporated into the real estate industry credit system, public credit information system, etc. for joint punishment.

  This notice will take effect as of the date of publication.