According to the news from the Housing and Urban-Rural Development Bureau of Xuzhou City, Jiangsu Province on May 3, on April 28, relevant departments such as Xuzhou Housing and Urban-rural Development Bureau, Municipal Resources and Planning Bureau, and the People's Bank of China Xuzhou Central Sub-branch held a meeting of the real estate industry in Xuzhou Housing and Urban-Rural Development Bureau. The work meeting on resumption of work, production and relief and problem solving was attended by the principals of more than 20 development enterprises in Xuzhou in the urban area.
At the meeting, the heads of relevant functional departments carried out publicity and implementation in terms of scientifically implementing land supply, increasing credit financing support, optimizing the market business environment, supporting reasonable housing needs, and adjusting the use of provident funds.
Scientific implementation of land supply: reducing the security deposit and extending the payment time of the transfer fee
In the future, Xuzhou City will accurately allocate residential land according to market changes, and control the scale of land supply in areas with a long decontamination cycle; the bidding deposit for listed land plots will be adjusted from the original 100% to 50% of the initial price of land listing, and the rest will be paid. The transfer fee shall be paid in full before applying for the construction project planning permit, and the longest shall not exceed 6 months.
The Xuzhou Municipal Housing and Urban-rural Development Bureau stated that when applying for the pre-sale license of commercial housing, if the whole land is mortgaged, the land mortgage rights corresponding to some of the pre-sold houses in this batch must be cancelled. The real estate registration department submits an application; the registration department remarks the agreed content in the corresponding real estate registration book according to the application of both parties, and cancels the mortgage of the pre-sold part of the land use right.
If the construction-in-progress is mortgaged, the real estate for which the pre-sale license is required must be cancelled in batches, and the remaining part shall be registered for the change of the construction-in-progress mortgage.
Increase credit financing support: encourage down payment
In accordance with the principles of laws and regulations, controllable risks, and sustainable business, Xuzhou will increase support for real estate development enterprises in project loans and M&A loans, and actively extend and renew loans for distressed enterprises, so as to effectively alleviate the financial pressure of development enterprises.
At the same time, the city will guide financial institutions to increase the issuance of personal housing mortgage loans, reduce housing loan interest rates, and actively carry out the "provider fund + commercial bank" combined loan business to effectively reduce the burden of personal housing consumption.
In addition, Xuzhou will also encourage financial institutions to reduce the down payment ratio for first-time home buyers without a house and no loan and for second-home buyers with a house without a loan; increase the support for second-hand house transaction loans, meet the needs of housing transaction funds, and expand improved housing financing channels .
Ways of using bank guarantees for pre-sale supervision funds of pilot commercial housing
At the meeting, Xuzhou City said that it will optimize the withdrawal node of commercial housing pre-sale supervision funds, from the original pre-sale batches to the key supervision funds by building.
50% of the main body of the single project is completed, and 50% of the key supervision funds are paid; the main body of the single project is checked and accepted, and 60% of the key supervision funds are paid; 80% of the key supervision funds are paid for the acceptance of the single project; 90% of the supervision funds are paid; after initial registration, the key supervision funds are paid in full.
Pilot commercial housing pre-sale supervision funds use bank guarantees; adjust the batch size of urban commercial housing pre-sale licenses and current sales records, from the original size of 20,000 square meters per batch to small high-rise, high-rise and non-residential projects. For high-end residential projects such as townhouses and bungalows, each batch shall not be less than 10,000 square meters, and one-time application can be made at the end of the transaction.
The property maintenance funds for the first phase of the newly-built commercial housing shall be paid and deposited by the owner at one time when applying for the online registration of commercial housing; for houses that have not been sold or have not been registered for online registration, the construction unit shall pay and deposit in full before the completion of the project.
If the first phase of the special property maintenance fund is not paid in as required, the construction unit shall not deliver the house to the buyer.
Completion acceptance and filing of commercial housing can be handled in batches and regions according to the planning verification certificate, and basic supporting facilities such as kindergartens must be delivered and used simultaneously with the first batch of completed and filed residential buildings, with complete use functions.
Support reasonable housing demand: no longer restrict the transfer of newly purchased commercial housing above 144 square meters
Xuzhou will encourage real estate development enterprises to actively improve the functional quality of commercial housing, build differentiated and characteristic products, and continuously improve housing quality, living environment, property services, etc., to meet the needs of various consumers.
The municipal infrastructure engineering and refined decoration of new residential projects will be included in the management of capital construction procedures, and the review of construction drawings of new residential buildings will be strengthened to effectively solve the common quality problems of commercial housing.
There is no restriction on the transfer of newly purchased commercial residences over 144 square meters, unless otherwise stipulated in the land transfer contract; the subsidy policy for talent purchases continues the "Xuzhou City "555" Talent Introducing Project Implementation Plan" (Xu Wei Fa [2021] No. 15).
Adjusting the use policy of housing provident fund: lowering the entry threshold for provident fund loans
Provide provident fund payment and deposit work for flexible employment personnel (self-employed, freelancers and new citizens) throughout the city, and enjoy the housing provident fund loan interest rate according to regulations.
Simplify the process of using provident fund loans for employees in the Huaihai Economic Zone to purchase houses in Xu, and support home buyers to apply for provident fund deposits in different places through the "cross-province" platform; reduce the access conditions for provident fund loan projects, and complete 50% of high-rise residential single projects. You can apply for a provident fund loan.
The Paper reporter Pang Jingtao