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 from difficulties 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 focused on scientifically implementing land supply, increasing credit financing support, optimizing the market business environment, supporting reasonable housing needs, and adjusting the use of provident funds. Policies and other aspects were publicized and implemented respectively.
Scientific implementation of land supply: lowering the deposit and extending the payment time of the transfer fee
In the future, Xuzhou City will accurately allocate residential land according to market changes. The scale of land supply is controlled in areas with a longer period of change; the bidding deposit for the land listed for sale is adjusted from 100% to 50% of the initial price of land listing, and the remaining transfer fee is paid before the construction project planning permit is processed, and the longest not more than 6 months.
Xuzhou Municipal Bureau of Housing and Urban-rural Development stated that when applying for the pre-sale license of commercial housing, if the entire land is mortgaged, the land mortgage corresponding to some of the pre-sold houses in this batch must be cancelled. The mortgagee and the mortgagor shall make a joint agreement and submit an application to the real estate registration department; the registration department shall remark the agreed content in the corresponding real estate registration book according to the application of both parties, and cancel 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
Xuzhou will follow the principles of laws and regulations, controllable risks, and sustainable business. Development enterprises will increase support for project loans and M&A loans, and actively extend and renew loans to distressed enterprises, effectively alleviating 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 + commercial bank” portfolio loan business, effectively reducing the Personal housing consumption burden.
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 loans for second-hand house transactions Support strength, to meet the needs of housing transaction funds, and to expand the financing channels for improved housing.
Pilot the use of bank guarantees for commercial housing pre-sale supervision funds
At the meeting, Xuzhou City said that it would optimize the withdrawal nodes of commercial housing pre-sale supervision funds, Adjusted from the original batch of pre-sale to the withdrawal of 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 the use of bank guarantees for pre-sale supervision funds of commercial housing; adjust the batch size of pre-sale permits and current-sale records for commercial housing in urban areas, from the original size of each batch to 2 The adjustment of 10,000 square meters to small high-rise, high-rise and non-residential projects can be applied by building, and each batch of high-end residential projects such as townhouses and villas is not less than 10,000 square meters.
The special maintenance fund for the first phase of the newly built commercial housing shall be 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 with the online registration, the construction The unit shall pay the deposit in full before handling the project completion acceptance record. 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. Infrastructure such as kindergartens should be delivered and used simultaneously with the first batch of completed and filed residential buildings, with complete use function.
Supporting reasonable housing needs: Newly purchased commercial houses above 144 square meters will no longer be restricted in transfer
Xuzhou will encourage real estate development enterprises to actively improve the functions of commercial houses Quality, build differentiated characteristic products, and continuously improve in terms of 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.
The transfer of newly purchased commercial residences over 144 square meters is not restricted, unless otherwise agreed in the land transfer contract; the housing subsidy policy for talents continues the “Xuzhou City”555 “Implementation Plan for Talent Introducing Project” (Xu Weifa [2021] No. 15).
Adjust Housing Provident Fund Use Policy: Lower Provident Fund Loan Entry Bars
Citywide opening of flexible employment (self-employed, freelancers and New citizens) provident fund payment and deposit work, and enjoy the housing provident fund loan interest rate according to regulations.
Simplify the process of using provident fund loans for employees of Huaihai Economic Zone to purchase houses in Xu, and support home buyers to apply for provident fund deposits in different places through the “Inter-provincial Office” platform; reduce provident fund loans Project access conditions, the main body of the high-rise residential single project is 50% completed, you can apply for a provident fund loan.