zhongshan’s new property market policy is released, and housing provident fund loans are canceling household registration restrictions
2024-09-30
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on september 30, zhongshan municipal housing and urban-rural development bureau, zhongshan municipal natural resources bureau, zhongshan branch of the people’s bank of china, zhongshan supervision branch of the state administration of financial supervision, and zhongshan housing provident fund management center jointly issued the "zhongshan city promotes the high-level real estate market" "several measures for quality development" to further optimize and improve quality and promote high-quality development of the real estate market. "zhongshan city's several measures to promote high-quality development of the real estate market" includes 11 items in 5 major aspects, with unprecedented stimulus intensity, including:
1. continue to support housing consumption
(1) continue to carry out consumption voucher activities for house purchases. from september 30 to october 8, anyone who purchases a new commercial housing in zhongshan city will be given an electronic consumption voucher subsidy of 5‰ of the purchase price after paying the deed tax (the amount is rounded to the nearest hundred).
2. increase financial support
(2) reduce existing mortgage interest rates and optimize the minimum down payment ratio for personal housing loans. in principle, all commercial banks within the jurisdiction should uniformly implement batch adjustments to existing mortgage interest rates before october 31, 2024. for households purchasing a house with a loan, commercial personal housing loans no longer distinguish between first and second homes, and the minimum down payment ratio is unified to 15%.
(3) increase credit support for the real estate market. promote the implementation of affordable housing refinancing, implement operational property loans and the "financial 16" extension policy, and study and promote loans from policy banks and commercial banks to support qualified enterprises in the market-based acquisition of land for real estate companies.
(4) improve the interest rate pricing mechanism for commercial personal housing loans. it is allowed to change the point margin of the mortgage interest rate based on the lpr. the borrower and the borrower can adjust the margin of the margin by negotiating changes to the contract and other methods. the restriction on the shortest one-year repricing cycle of mortgage interest rates has been removed, and the repricing cycle can be determined by independent negotiations between the borrower and the borrower.
(5) continue to implement the urban real estate financing coordination mechanism. promote the precise connection between real estate companies and financial institutions, guide financial institutions to meet the reasonable financing needs of real estate projects, promote the completion and delivery of projects, and effectively protect the legitimate rights and interests of home buyers.
(6) increase housing provident fund support. optimize the housing provident fund loan policy. employees nationwide who pay housing provident fund can apply for housing provident fund loans when buying houses in zhongshan city, without being restricted by household registration.
3. guide high-quality residential development and construction
(7) encourage the establishment of public open spaces on residential standard floors. public open spaces that meet the requirements will not be counted to further improve the quality of residential space.
(8) encourage newly transferred residential land to build sky gardens, public green platforms and single-story entrance gardens with a height of no less than two natural levels. those that meet the requirements will not be counted. through pilot projects, support the construction of green and ecological buildings. high quality homes.
4. optimize construction project approval
(9) support the phased application of construction project planning and construction permits. support the phased development and construction of qualified multi-plot real estate development projects in independent plots, and issue approval procedures such as "construction project planning permit" in phases, and conduct planning verification in phases. real estate development projects can adopt the "deficiency tolerance + notification and commitment system" method, and apply for construction licenses (including quality and safety supervision registration) in stages and batches.
(10) continue to implement support measures for pre-sale of prefabricated commercial housing. continue to support qualified prefabricated projects and optimize the progress ratio of the project image when applying for a pre-sale permit.
5. promote “certificate issuance upon handover”
(11) comprehensively implement the “certificate upon delivery” model. for newly built commercial houses (first-hand houses) within the scope of zhongshan city, the buyer must pay the full price of the house, and the buyer and seller must pay relevant taxes, registration fees and other fees, and meet the conditions for house delivery and transfer (those who purchase a house with a loan must also meet the conditions for mortgage registration) , you can go through the house delivery and real estate registration procedures at the same time.
policy interpretation of "zhongshan city's several measures to promote high-quality development of the real estate market"
q: what are the precautions for the second phase of the house purchase voucher activity?
answer:(1) house buyers must purchase new commercial housing in zhongshan city from september 30 to october 8, 2024. the time for purchasing new commercial housing shall be based on the online signing and filing time of the house purchase contract. the standard for determining the purchase price shall be based on the house purchase invoice. the face value shall prevail. the deed tax for newly purchased commercial housing must be paid before june 30, 2026. electronic consumption vouchers can be applied for after paying the tax.
(2) the purchase of newly built commercial housing does not include apartments.
(3) before the policy is promulgated, the home buyer has completed online signing and registration. after the policy is promulgated, the same home buyer cancels and re-signs online for the same commodity housing, and cannot apply for electronic consumption vouchers.
(4) the detailed rules of the consumption voucher activity shall be implemented with reference to the "notice on the announcement of the list of participating merchants (first batch) and application and use methods for the 2024 house purchase consumption voucher activity" issued by the municipal bureau of housing and urban-rural development on august 28, 2024.
q: how to increase housing credit support?
answer:(1) reduce existing mortgage interest rates and optimize the minimum down payment ratio for personal housing loans.
the first is to lower existing mortgage interest rates. in principle, all commercial banks within the jurisdiction should implement batch adjustments to the interest rates of existing mortgage loans uniformly before october 31, 2024. for existing mortgage loans with a point increase above -30 bp based on lpr, the point increase will be adjusted to no less than -30 bp.the second is to optimize the minimum down payment ratio for personal housing loans. for households purchasing housing with loans, commercial personal housing loans no longer distinguish between first and second homes, and the minimum down payment ratio is unified to 15%, which can better support the rigid and diversified housing needs of urban and rural residents for improvement.(2) increase credit support for the real estate market.
first, promote the implementation of affordable housing refinancing. cooperate with relevant departments to promote the implementation of affordable housing refinancing and strengthen market incentives for banks and acquisition entities.the second is to implement the extension policy for operating property loans and the “16 financial articles”. in the "notice of the people's bank of china and the china banking and insurance regulatory commission on doing a good job in current financial support for the stable and healthy development of the real estate market" (yinfa [2022] no. 254), the applicable period for supporting reasonable extension policies for existing financing such as development loans and trust loans has been extended. until december 31, 2026. if the relevant policies in the "notice of the general office of the people's bank of china and the general office of the state financial supervision and administration on the management of commercial property loans" (yinbanfa [2024] no. 8) have an applicable period, the applicable period will be extended to december 2026. march 31st.the third is to support qualified enterprises to acquire land from real estate companies in a market-oriented manner. after the release of official documents from relevant departments, we will study and promote loans from policy banks and commercial banks to support qualified enterprises in the market-based acquisition of land for real estate companies, revitalize existing land, and ease the financial pressure on real estate companies.(3) improve the interest rate pricing mechanism for commercial personal housing loans.
the first is to allow changes in the percentage points added to the mortgage interest rate based on the lpr. borrowers and borrowers can adjust the point addition range through negotiation, contract changes, etc. to more accurately reflect changes in market supply and demand, borrower risk premium and other factors.the second is to remove the restriction on the minimum one-year mortgage interest rate repricing cycle. starting from november 1, 2024, floating rate mortgages with newly signed contracts will be consistent with other floating rate loans except mortgages, and the repricing cycle can be determined by the borrower and the borrower through independent negotiation. eligible borrowers with existing mortgage loans can adjust the repricing cycle while negotiating with commercial banks to adjust the point increase in mortgage interest rates so that existing mortgage interest rates reflect changes in the pricing basis (lpr) in a timely manner.q: how to implement the urban real estate financing coordination mechanism?
answer:give full play to the role of the financing coordination mechanism, organize banking institutions to accurately connect projects under construction in the city, and include projects that meet the "5+5" conditions and standards into the white list. banking institutions will establish green channels for whitelisted projects, quickly review and approve them, and make loans strictly in accordance with the project construction progress to ensure that all loans are released.
q: what changes have occurred after the adjustment to the housing provident fund’s off-site loan policy?
answer:after the policy adjustment, employees nationwide who have paid housing provident funds and purchased, built, renovated, or overhauled their own homes in zhongshan city are no longer subject to household registration restrictions and can apply for housing provident fund loans from the zhongshan city housing provident fund management center.
q: why should we guide the development and construction of high-quality residential buildings?
answer:the times call for the construction of good houses to meet residents’ needs for improved housing, and many cities are piloting the construction of high-quality housing. zhongshan city has also adapted to the needs of the times and supported the construction of green, ecological and high-quality housing through pilot projects.
q: what content has been optimized in construction project approval?
answer:support the phased development and construction of multi-plot real estate development projects on independent plots, and issue the "construction project planning permit" and other approval procedures in phases, and conduct planning verification in phases. relevant planning indicators are still calculated on a parcel basis, and idle land disposal still needs to comply with the provisions of the "measures for the disposal of idle land" (order no. 53 of the ministry of land and resources), as stipulated in the paid use contract or allocation decision of the state-owned construction land use rights. the construction and development start date must be reached one year before the start of construction and development standards.
question: what support measures does zhongshan city have for pre-sales of prefabricated commercial housing?
answer:for commercial housing projects that have obtained the pre-evaluation opinion letter for the design phase of the prefabricated building project issued by the zhongshan municipal bureau of housing and urban-rural development, on the premise of meeting other application conditions for commercial housing pre-sale, commercial housing projects with less than 7 floors (including this number), the project engineering for commercial housing projects with an image progress of ±0.00 and more than 7 floors (excluding the original number), the project image progress has been completed for one-third of the floors above ±0.00. the development company can apply to the zhongshan municipal housing and urban-rural development bureau for pre-sale of commercial housing. license.
question: what are the precautions for “issuing the certificate upon handover”?
answer:(1) in the "state-owned construction land use rights transfer contract", it has been stipulated that the "certificate is issued upon delivery" model is used to apply for the real estate certificate, or the real estate development enterprise (hereinafter referred to as the development enterprise) and the masses sign the "zhongshan city commercial house sales contract" "if the "certificate is issued upon handover" is used as a supplementary agreement clause to stipulate relevant responsibilities and obligations, when completing the first registration of real estate for a new commercial housing project, the registration agency will guide the development enterprise to prepare transfer registration materials.
(2) if the supplementary agreement terms of the "state-owned construction land use rights transfer contract" and the "zhongshan city commercial housing sales contract" do not stipulate that the "certificate is issued upon delivery" model will be used to handle the transfer registration procedures, the pre-sale commercial housing will be transferred after the first registration and after improving the relevant taxes and fees, development companies can apply to the real estate registration agency for the "issuance of certificate upon delivery" business before the delivery of commercial housing. the registration agency will send dedicated personnel to guide and follow up to ensure the smooth implementation of the business.
text丨reporter zhang degang correspondent zhong xuan
