Carry out from today! Guangzhou releases a new policy for property market regulation: buy a house with a talent policy, and the sales limit will be extended to 3 years
Dayang News Yesterday, the official website of the Guangzhou Municipal People’s Government issued the "Opinions of the General Office of the Guangzhou Municipal People’s Government on Further Promoting the Stable and Healthy Development of the Real Estate Market" (hereinafter referred to as the "Opinions"), firmly insisting that the house is used for living, not for The positioning of speculation is to focus on stabilizing land prices, housing prices, and expectations, and promote the steady and healthy development of the real estate market in Guangzhou.
"The introduction of this policy further reflects the orientation of Guangzhou to stabilize housing prices, and is also an important manifestation of the solution of housing problems in big cities." Industry experts said that this policy will help combat the phenomenon of "false talents and real real estate speculation".
For loans using real estate mortgages, the focus is on reviewing the rationality of financing requirements for operating loans in the short term after the completion of the real estate transaction.
This is actually to prevent some home buyers from "mortgaging real estate-fraudulently obtaining business loans-continuing real estate speculation".
Concentrate the transfer of residential land in three batches throughout the year
According to the opinion, Guangzhou will strictly implement the requirements for the classification and regulation of residential land in the future, increase the scale of residential land supply, and publish information on residential land transfer in a reasonable and appropriate manner. The residential land will be transferred in three batches throughout the year to comprehensively improve the transparency of market information; and the implementation of the " "Guangzhou City 2021 Construction Land Supply Plan", this year plans to supply 634 hectares of residential land, accounting for 25% of the total planned, an increase of 22% over the average annual residential land supply in the previous five years.
Guangzhou will also improve the linkage mechanism for house prices and land prices. Opinions point out that in some areas, “limited house prices, land bidding” will be used for transfers, and bidders will sign a rational bidding commitment letter when bidding for land, and will warn about joint interviews with companies on irrational land bids and housing prices. , Follow-up to strengthen supervision.
At the same time, through overall planning to increase the area of leased housing built in the plot, increase the supply of leased housing.
Strengthen the management of land after supply, increase the information disclosure of the stock of residential land, severely crack down on the behavior of covering and hoarding land, and effectively guide the land market expectations.
Guangzhou will continue to implement price guidance on the pre-sale prices of new commercial housing and the sales prices of existing homes, and guide development companies to set prices reasonably. For projects that do not accept government price guidance, pre-sale permits or transaction online signing records will not be issued temporarily.
For housing purchased under the talent policy, the sales restriction period has been extended from 2 years to 3 years
Guangzhou strengthened precise policy implementation and classified control.
The opinion pointed out that for housing purchased through the talent policy (including newly-built commercial housing and second-hand housing), the sales restriction period will be extended from 2 years to 3 years from the date of obtaining the real estate certificate.
The implementation time point continues the previous practice, that is, if the subscription letter or house purchase contract has been signed before 24:00 on April 2, and the purchase contract has been signed online, the original policy will be implemented.
Those who have not completed the online signing of the house purchase contract before 24:00 on April 2, but have signed the subscription letter or house purchase contract, and can provide the original bank entry voucher or tax payment certificate for the payment of the house (including the deposit, down payment or part of the house payment), The original policy is still implemented.
In this regard, Yan Yuejin, research director of the Think Tank Center of the E-House Research Institute, analyzed in an interview with reporters that the regulations actually combine the two tasks of "talent priority in buying housing" and "preventing real estate speculation". Preventing all kinds of speculation has a positive effect and will help combat the phenomenon of "false talents and real real estate speculation".
Xiao Wenxiao, chief analyst of the Guangfo area of Crater, said that the three-year restriction on the sale of talents to purchase houses is one of the combinations of restricting investment in the name of talents. In conjunction with the previous tightening of the qualifications for talent purchases of houses, it can effectively curb speculative demand and prevent Some regional markets are overheated.
At the same time, the opinions require that all districts implement the main responsibilities of the territorial entities, further strictly review the qualifications of talents, carry out self-examination and self-correction special actions, and resolutely combat various forms of speculative house purchases.
Strictly implement zoning and precise control, and require all districts to strictly guide the price of newly built commercial housing.
If the mortgagor holds the mortgaged real estate for less than one year, prudently determine the loan mortgage ratio
In order to prevent business-purpose loans from flowing into the real estate market in violation of regulations, Guangzhou has effectively increased supervision and inspection in response to the problem of companies and individuals investing business-purpose loans in the real estate sector in violation of regulations.
The opinions require that, for loans using real estate mortgages, focus on reviewing the rationality of the financing requirements for operating loans in the short term after the completion of the real estate transaction, and prudently determine the loan mortgage ratio if the mortgager holds the mortgaged real estate for less than one year.
Banking financial institutions should further tighten post-loan management, strengthen post-loan fund flow monitoring and early warning. Banking financial institutions should sign a letter of commitment for the use of funds when signing a loan agreement with the borrower, clarifying that once the loan is found to be misappropriated for real estate In the field, the loan will be recovered immediately, the credit line will be reduced, and corresponding legal responsibilities will be pursued.
According to Yan Yuejin's analysis, Guangzhou's current policy focuses on examining the rationality of financing requirements for loans for business purposes in the short term after the completion of the real estate transaction for loans using real estate mortgages.
This is actually to prevent some home buyers from "mortgaging real estate-fraudulently obtaining business loans-continuing real estate speculation".
In the future, other cities are expected to release policies one after another to truly promote the stability of the loan market.
At the same time, the opinions also indicate that the management of personal housing loan review shall be further strengthened, the source of the down payment for house purchase and the repayment ability of housing loan borrowers shall be strictly reviewed, the verification of income identification standards and debt-to-income ratio shall be strengthened, and consumer loans and operating loans shall be strictly prevented. Funds flowed into the real estate market in violation of regulations.
Further standardize the post-loan management of microfinance companies. The use of loans of microfinance company borrowers must meet the requirements of relevant national policies. The loan contract requires the borrower not to misappropriate the loan or change the purpose without authorization, and requires the borrower not to use the loan in the real estate market Financing.
All media, online platform accounts and online groups must strictly regulate information release behavior
In the future, Guangzhou will continue to carry out joint inspections of the real estate market, and severely investigate and punish real estate development companies and intermediaries for unlicensed sales, false housing sales, false propaganda, sales not at the government's record price, additional prices, reluctance to sell, induce and abet and assist home buyers Illegal and illegal operations such as taking business loans and consumer loans to pay for house purchases.
Strengthen the supervision of the behavior of real estate intermediary agencies.
Severely crack down on real estate intermediary agencies' participation in real estate speculation, drive up housing prices, release false housing and price information, and other illegal activities, and crack down on all types of transaction fraud.
Those suspected of committing crimes shall be transferred to the judicial organs for investigation of legal responsibility in accordance with the law.
The opinions also specifically pointed out that all media, online platform accounts and online groups mainly strictly abide by relevant laws, regulations and management regulations, strictly regulate information release behavior, and carefully evaluate the legality, authenticity, and orientation of released content.
Relevant departments will seriously investigate and deal with violations of the market order such as falsely disseminating real estate policies and market operations, fabricating and spreading remarks about rising housing prices, and creating market panic.
"In the past two years, there have been many new norms for the release of real estate-related information. However, in the past, more emphasis was placed on the control of self-media, etc., while the control of WeChat groups was relatively small." Yan Yuejin said that Guangzhou made it clear this time. The need for group owners to strictly regulate information release means that subsequent so-called real estate speculators will face greater control to curb housing price speculation.
Text/Guangzhou Daily all-media reporters Zhang Lu, He Tao, Quan Jie, Liu Chunlin, Correspondent Suizumi Jianxuan