news

□reporter qiu zhaoyan and xu yupeng

on august 23, at a press conference on the theme of "promoting high-quality development" held by the state council information office, ni hong, minister of housing and urban-rural development, stated that at present, the supply and demand relationship in the real estate market has undergone major changes, and the market is still in a period of adjustment. with the implementation of various policies, positive changes have occurred in the market.

ni hong said that the ministry of housing and urban-rural development will work closely with relevant departments to accelerate the reform and improvement of basic systems such as commercial housing sales, land, finance, and taxation, so as to promote institutional innovation, the construction of new models, and industrial development through reform.

the goal of guaranteeing housing delivery is to deliver 3.96 million housing units by the end of the year

the work of ensuring the delivery of houses is not only an important task to protect people's livelihood and the legitimate rights and interests of buyers, but also conducive to stabilizing the expectations of all parties, boosting confidence in the real estate market, and preventing and defusing real estate risks. dong jianguo, vice minister of the ministry of housing and urban-rural development, introduced that in order to fight the battle to ensure the delivery of commercial housing projects, the ministry of housing and urban-rural development, together with the state administration of financial supervision, organized various regions to conduct a "big investigation" to comprehensively investigate the commercial housing projects under construction that have been sold but not delivered, and locked in 3.96 million houses that should be delivered before the end of this year according to the contract as the target task of the battle to ensure the delivery of houses. around this goal, the ministry of housing and urban-rural development has currently carried out four aspects of work, including: forming a policy synergy; giving full play to the role of the urban real estate financing coordination mechanism; doing a good job in classification and disposal with "one project, one policy"; and promoting the timely and quality delivery of projects.

dong jianguo said that at the national level, the ministry of housing and urban-rural development, together with the financial supervision bureau, implemented the requirements of the overall plan for ensuring the delivery of housing, jointly issued policy documents, carried out policy training for local governments and relevant departments, clarified the work arrangements for the battle to ensure the delivery of housing, and expanded the effectiveness of the urban real estate financing coordination mechanism. the supreme people's court clarified judicial support measures for issues such as the prudent adoption of property preservation measures for real estate "white list" projects. at the local level, all cities have formulated implementation plans for the battle to ensure the delivery of housing in accordance with the requirements, clarified the delivery plan, and combined with local realities, put forward disposal plans for each project; some provinces have also formulated provincial-level work plans for the battle to ensure the delivery of housing, clarifying the goals and guarantee measures.

the urban real estate financing coordination mechanism is a powerful tool to promote the work of ensuring the delivery of houses. dong jianguo introduced that a three-level coordination mechanism has been established at the national, provincial and city levels to promote qualified projects to be included in the "white list", and commercial banks to implement due diligence exemption requirements and provide financing support. (

at present, commercial banks have approved more than 5,300 "white list" projects in accordance with the approval procedures, and approved loans of nearly 1.4 trillion yuan. these funds are being disbursed in batches according to the project progress, providing strong support for project construction and delivery.

different projects need to be tailored to their needs. it is reported that the ministry of housing and urban-rural development has guided local governments to implement the "one project, one plan, one special team, one bank, one auditor, one judge" disposal model. "this model was first piloted in zhengzhou and will be promoted nationwide. for qualified projects, they will be included in the 'white list' to provide financing support to ensure project construction and delivery; for projects with liabilities exceeding assets, the bankruptcy reorganization or liquidation of project developers will be accelerated, and the legitimate rights and interests of home buyers will be given priority in accordance with the supreme people's court's regulations on the order of debt repayment." dong jianguo said.

the goal of guaranteed housing delivery is to deliver houses that meet the delivery conditions to buyers. in order to ensure that this goal is achieved, "the ministry of housing and urban-rural development has established a national guaranteed housing delivery information system, and each delivery task is matched with 'one contract, one household, one id number, and one contact number', so that the work goals are implemented to households and buyers, and one set is delivered and one set is cancelled. at the same time, it guides all localities to effectively strengthen the supervision of project engineering quality, ensure that the delivered projects meet the conditions for occupancy, and prevent the situation of goods not matching the specifications. in addition, the ministry of natural resources has also issued supporting documents on the issue of certificates for guaranteed housing projects, and strives to achieve the 'full issuance' of real estate certificates for guaranteed housing projects." dong jianguo said.

actively promote the acquisition of "existing housing" for use as "affordable housing"

increasing the construction and supply of affordable housing is a topic of great concern to urban families with housing difficulties, new citizens and young people. at the press conference, dong jianguo introduced that this year, the ministry of housing and urban-rural development and relevant departments have guided local governments to focus on the construction of sales-oriented affordable housing on the one hand and the supply of rental-oriented affordable housing on the other. in the first seven months of this year, 2.35 million sets of affordable housing and urban village reconstruction resettlement housing have been started and raised nationwide, with an investment of more than 440 billion yuan.

in terms of construction planning, dong jianguo said that the ministry of housing and urban-rural development will guide local governments to adhere to the principle of building and purchasing based on demand, and formulate five-year plans and annual plans for affordable housing based on local conditions, based on local economic capabilities, real estate market conditions and housing needs of various disadvantaged groups.

regarding the projects included in this year's construction plan, dong jianguo further clarified that he will implement fiscal, tax, land, and financial support policies, speed up the start of projects and construction progress, strengthen project quality and safety supervision, and start leasing and sales as soon as possible so that people can move in as soon as possible.

revitalizing "stock housing" into "affordable housing" is also a key work focus this year. dong jianguo introduced that, in light of the local real estate market situation, the work of purchasing completed stock commercial housing for use as affordable housing will be actively promoted, and projects with mature conditions will be accelerated to complete the purchase and timely allocate rental and sales.

the reporter of china banking and insurance news noted that since august, the number of cities that have purchased existing commercial housing for use as affordable housing has been increasing. on august 21, the hubei housing and construction bureau announced that wuhan's first project of using affordable housing refinancing to purchase existing commercial housing for use as affordable housing has officially landed. on august 19, changsha, hunan province, "officially announced" that it would begin purchasing commercial housing for use as affordable housing in the administrative areas of its six districts and three counties. shenzhen also issued a notice in early august to clarify that it would collect commercial housing for use as affordable housing projects.

in may this year, the people's bank of china established a re-lending program for affordable housing, encouraging and guiding financial institutions to support local state-owned enterprises in purchasing completed existing commercial housing at reasonable prices for the distribution or leasing of affordable housing in accordance with market-oriented and rule-of-law principles.

establish a linkage mechanism for the elements of “people, housing, land, and money”

regarding accelerating the construction of a "new model of real estate development", dong jianguo further introduced that the ministry of housing and urban-rural development is currently working closely with relevant departments to further strengthen top-level design, accelerate the reform and improvement of commodity housing sales and basic systems such as land, finance, and taxation, and resolutely implement this task deployed by the party central committee. specifically, dong jianguo pointed out that the construction of a new model of real estate development mainly involves six aspects:

first, improve the housing supply system, with a focus on increasing the construction and supply of affordable housing.

second, deploy local governments to formulate and implement housing development plans and annual housing development plans as a starting point to establish a linkage mechanism among the factors of "people, housing, land, and money."

third, we will vigorously and orderly promote the sale of existing homes, guide local governments in selecting new real estate development projects, stipulate that they will implement the sale of existing homes when land is transferred, and formulate supporting policies based on practical experience.

fourth, establish an urban real estate financing coordination mechanism, introduce a project "white list" system, and promote the transformation of real estate development companies' financing from relying on the credit of the entity to relying on project conditions.

fifth, research and establish housing physical examination, housing pension, and housing insurance systems to build a long-term mechanism for housing safety management throughout the life cycle. currently, 22 cities including shanghai are piloting the system. "specially speaking, housing pensions are already available in individual accounts through the payment of special housing maintenance funds. the focus of the pilot is for the government to establish a public account," said dong jianguo.

sixth, build green, low-carbon, intelligent and safe "good houses". at present, the ministry of housing and urban-rural development has done some work in setting standards and setting models. the next step is to work hard on building systems and improving services.

source: china banking and insurance news