Dongguan releases the new "Six Articles of Dongguan" policy for property market regulation: Adjusting the purchase limit of commercial housing

　　Sino-Singapore Jingwei Client: February 27th. In the early morning of the 27th, the 7 departments of Dongguan issued the "Notice on Further Strengthening the Regulation of the Real Estate Market (Dongjian [2021] No. 6)". The notice proposed that the adjustment of the purchase limit of commercial housing is not in this city. Household registration residents who purchase a second set of commercial housing (newly built commercial housing or second-hand commercial housing) in this city must pay social security monthly in this city for three consecutive years within the four years before the purchase date.

The notice will be implemented on February 27, 2021.

　　　Source: Dongguan Housing and Urban-rural Development Bureau

Adjust the purchase limit of commercial housing

　　The notice requires that from the date of implementation of this notice, non-resident households in this city who purchase a second set of commercial housing (newly built commercial housing or second-hand commercial housing) in this city must pay monthly in this city continuously within four years before the purchase date Three years of social security.

If the couple is divorced, if either party purchases commercial housing within two years from the date of divorce, the number of housing units owned by the couple shall be calculated based on the total number of units in the family before the divorce.

　　The notice stated that new households who purchase the first set of newly-built commercial housing must settle in this city for six months and have to pay social security monthly for six months in the first two years before purchasing the house.

Enterprises must be approved and registered by the market supervision and management authority for two years before purchasing commercial housing.

Further strengthen real estate financial management

　　The notice stated that the differentiated housing credit policy was adjusted.

The market interest rate pricing self-discipline mechanism of Guangdong Province has been researched and approved, and the following requirements are set for the differentiated housing credit policy of our city:

　　(1) For resident families who have no housing in this city and no housing loan record (including commercial housing loans and provident fund housing loans, the same below), the down payment ratio for the purchase of ordinary housing is not less than 30%, and the down payment for the purchase of non-ordinary housing The proportion of funds is not less than 40%.

　　(2) If a resident has no housing in this city but has a record of settled housing loans, or owns a house in this city and the housing loan has been settled, the down payment ratio for the purchase of ordinary houses shall not be less than 40%, The down payment ratio for the purchase of non-ordinary housing is not less than 60%.

　　(3) If a resident family owns a house and the housing loan is not settled, the down payment ratio for the purchase of ordinary housing is not less than 50%, and the down payment ratio for the purchase of non-ordinary housing is not less than 60%.

　　(4) Suspend the issuance of commercial personal housing loans for households with 2 or more houses.

Further regulate the real estate financial order.

Strictly implement differentiated housing credit policies.

Implement the concentration management of real estate loans, strengthen the prudent management of personal housing loans, and guide commercial banks to strictly control the pace and growth of personal housing loans to prevent surprise loans.

Supervise commercial banks to further strengthen the management of loan review, and intensify the verification of the source of the down payment funds and debt-to-income ratio of home buyers.

Strictly prevent credit loans, consumer loans, business loans and other funds from flowing into the real estate market in violation of regulations.

Strengthen the price guidance and supervision of new commercial housing

　　The notice clearly stated that it will actively respond to the new developments in the city’s real estate market and resolutely curb the excessively rapid rise in housing prices.

According to the size and price level of residential projects, as well as the impact on regional housing prices, we should effectively strengthen classification guidance.

If the declared price of a newly-built commercial housing project is higher than the declared price of similar projects on sale in the towns and streets (parks) of the locality or the earlier declared price of this project, the issuance of the pre-sale permit or the on-the-sale record will be suspended temporarily, pending the release of specific declaration rules Follow it.

Strengthen the real estate linkage control mechanism

　　The notice stipulates that centering on the regulation goal of stabilizing land prices and housing prices and expectations, further improve land market management.

Increase the supply of residential land, and supply no less than 300 hectares of residential land this year to further ease the contradiction between the supply and demand of commercial housing.

Optimize the housing supply structure, increase the proportion of small and medium-sized ordinary housing supply, increase the number of housing supply, and promote the balance of supply and demand.

Intensify efforts to secure housing for talents, and raise no less than 5,000 housing for talents this year.

Strictly implement the requirements of residential land projects for the construction of affordable housing, implement the allocation of rent and sale of the assigned housing that is handed over to the government, accelerate the implementation of the pilot program for the construction and distribution of price-limited housing, and let qualified talents and specific guarantee target groups as soon as possible Enjoy policy dividends.

Improve real estate market monitoring and information disclosure

　　The notice proposes to establish and improve the statistics and co-construction and sharing mechanism of real estate market operation data, strengthen cooperation with third-party organizations, strengthen real estate market monitoring and analysis, accurately grasp market trends and regional differentiation, and timely study and formulate effective countermeasures to resolve Potential market risks and restrain the excessive release of unreasonable demand.

　　The notice requires that the price release mechanism for online signing of second-hand housing be further improved.

In the first quarter, the first batch of online signature transaction information of some active second-hand real estates in typical towns and streets will be released, and the scope of statistics on towns and streets will be expanded as soon as possible, and the number of released real estate will be increased.

Further improve the transparency of second-hand housing prices and guide rational transactions in the market.

Continue to regulate the real estate market order

　　The notice emphasized that the supervision of real estate development companies, sales agency companies, and real estate brokerage agencies should be strengthened.

Continue to carry out the rectification of the real estate market order, increase the intensity of joint rectification and law enforcement, and strengthen the joint force of law enforcement.

Seriously investigate and deal with violations of laws and regulations such as cover-ups and reluctance to sell, collection of "tea fees", unclear prices, false advertisements, false listings, fabricated and spread false statements, and disguised evasion of regulatory policies, and take actions against the enterprises and personnel involved in accordance with laws and regulations. Interviews, downgrading supervision of pre-sale funds, suspension of online visas, suspension of business for rectification, cancellation of qualifications, and revocation of business licenses, etc., and increase exposure, and transfer suspected crimes to judicial authorities for handling.

Housing and Urban-rural Development Bureau of Dongguan: relevant rules will be issued as soon as possible

　　The Department of Housing and Urban-Rural Development of Dongguan stated that the "Dongguan Six Regulations" introduced this time are based on the "Dongguan Nine Regulations" implemented on July 25 last year, maintaining the continuity and stability of regulatory policies, and strengthening the two-way regulation of supply and demand in the real estate market through comprehensive measures. Promote the balance of supply and demand, curb speculation and real estate speculation, and support reasonable self-occupation needs.

Related rules will be issued as soon as possible to ensure the smooth operation of the New Deal.

　　The Department of Housing and Urban-Rural Development of Dongguan emphasized that relevant departments will continue to adhere to the positioning of "housing to live without speculation", implement the work of "one city, one policy", strengthen the monitoring and research of the real estate market, and timely adopt targeted policy measures to promote real estate The market developed steadily and healthily.

(Zhongxin Jingwei APP)