Yesterday, the city issued a notice on several measures to promote the stable and healthy development of the city’s real estate market, and put forward eight measures for real estate regulation. It is clearly pointed out that for households with one set of housing, if they apply for commercial personal housing loans to buy ordinary self-occupied housing again in order to improve their living conditions, the down payment ratio will not be less than 50% regardless of the loan record; For those who purchase non-ordinary self-occupied houses, the down payment ratio shall not be less than 70%.
(Reporter Zhu Kaiyun) Yesterday, the general office of the municipal government forwarded the notice of the Municipal Housing and Urban-Rural Committee and other departments on "Several Measures for Promoting the Stable and Healthy Development of the Real Estate Market in this Municipality" and put forward eight measures for real estate regulation and control in this Municipality.
First, we should increase the supply of residential land and rationally adjust the land supply structure. Increase the supply ratio of low-priced and medium-sized ordinary commercial housing, strictly implement the 90/70 policy, increase the just-needed supply, and take into account the improvement demand.
Second, it is necessary to increase the supply of land for self-occupied commercial housing. Except Dongcheng, Xicheng and Shijingshan District, other districts should arrange a number of land for self-occupied commercial housing to enter the market as soon as possible during the year.
Third, it is necessary to further improve the land transaction rules, strengthen the transaction mode of "controlling land price and limiting house price", limit the housing price in the supply link and incorporate it into the conditions of land auction and auction. Encourage real estate enterprises to own some houses as rental housing to meet the rental demand.
The fourth is to implement differentiated housing credit policies. The down payment ratio for the first set of ordinary self-occupied housing is not less than 35%, and the down payment ratio for the first set of non-ordinary commercial housing is not less than 40%. However, except for self-occupied commercial housing, two-limit housing and other policy housing. For households with one set of housing, if they apply for commercial personal housing loans to buy ordinary self-occupied housing again in order to improve their living conditions, the down payment ratio shall be no less than 50% regardless of the loan record; For those who purchase non-ordinary self-occupied houses, the down payment ratio shall not be less than 70%.
Fifth, the relevant municipal departments should strengthen the management of commodity housing transactions and supervise real estate development enterprises and their sales behavior. For projects with obviously high quotations, the issuance of pre-sale permits will be stopped, and existing home sales will not be filed. For projects that have gone through the pre-sale or cash sale procedures, all the houses for sale shall be made public at one time within the specified time, and the regulations of clearly marked price and one room and one price shall be strictly enforced, and the actual sales price shall not be higher than the declared price. At the same time, the above information should be clearly marked in a prominent position in the trading place.
Sixth, it is necessary to strengthen the management of real estate brokerage institutions and their brokerage activities, and fully implement the supervision of stock housing transaction funds. Real estate brokerage institutions and real estate brokers should be entrusted to release real housing and price information, and should not occupy housing information or drive up housing prices.
Seventh, the Municipal Housing and Urban-Rural Development Committee and other relevant departments should carry out joint law enforcement inspections, focusing on investigating and dealing with property hoarding’s illegal acts such as hoarding houses, driving up house prices, publishing false houses and price information, and publicly exposing them, and relevant information should be included in enterprise credit files.
Eighth, earnestly strengthen organizational leadership. Establish a joint meeting system to strengthen the supervision of the real estate market in this Municipality, and be responsible for guiding, coordinating and promoting the supervision of the real estate market in this Municipality.
The city deployed the real estate market inspection work during the National Day.
(Reporter Zhu Kaiyun) Yesterday, the city held a briefing on the law enforcement inspection of the real estate market. The meeting informed the Municipal Commission of Housing and Urban-Rural Development, the Municipal Administration for Industry and Commerce and the Municipal Development and Reform Commission about the law enforcement inspection and the current real estate market situation, and asked real estate development enterprises and real estate brokerage institutions to standardize their operations according to law, strictly prohibit property hoarding and other illegal acts, and clarify the serious consequences that enterprises should bear in violation of regulations; At the same time, the multi-departmental joint law enforcement inspection work during the National Day was further deployed.
The meeting pointed out that the management of real estate development enterprises and their sales behavior requires that real estate development projects that require pre-sale permission or record the sale of existing homes should disclose all the sales houses at one time within the specified time. Real estate development enterprises in the sale of commercial housing projects, we must strictly enforce the price tag, one room and one price, the actual sales price shall not be higher than the declared price; All saleable houses and their prices and other related information must be clearly marked in a prominent position in the trading place, and the clearly marked price should not be turned into "oral notification", and property hoarding should not be used to delay the opening time or control the houses, so as to deliberately create a tense atmosphere for the houses; It is not allowed to mark false information or use deceptive and vague language to mislead consumers and infringe on consumers’ right to know, choose and fair trade. Real estate brokerage institutions and personnel shall engage in real estate brokerage activities in accordance with the law, and be entrusted to release real housing and price information, and shall not occupy housing information or drive up housing prices; It is strictly forbidden to engage in off-site fund-raising financial services such as down payment, self-financing, self-guarantee and the establishment of a fund pool; Real estate brokerage services shall be clearly marked, and price fraud shall not be carried out by using false or misleading contents and methods of marking.
The relevant person in charge of the Municipal Construction and Construction Committee said that the problems in the real estate market are not only economic issues and management issues, but also people’s livelihood issues and social issues. Some chaos in the real estate market will be dealt with strictly, severely and quickly. In the next step, the Municipal Commission of Housing and Urban-Rural Development will continue to strengthen law enforcement and investigation, strengthen joint supervision and comprehensive management with the Municipal Development and Reform Commission, the Municipal Administration for Industry and Commerce, the Municipal Bureau of Land Planning and other departments, and severely crack down on property hoarding, bid up housing prices, seize housing, publish false housing information and other illegal acts. Citizens can report violations of laws and regulations in the real estate market transaction process.
Provident fund loans will cancel the guarantee service fee from now on.
(Reporter Zhu Kaiyun) In the future, Beijing Provident Fund loans will no longer charge guarantee service fees; Buying a second-hand housing provident fund loan, in addition to no longer paying the guarantee service fee, the loan evaluation fee has also been greatly reduced. Beijing Housing Provident Fund Management Center released the policy of benefiting the people yesterday. From today, the depositor does not need to pay the guarantee service fee when applying for provident fund loans, and the maximum charge standard of second-hand housing evaluation fee has been lowered from 1,500 yuan/piece to 600 yuan/piece.
The relevant person in charge of the Beijing Housing Provident Fund Management Center said that the launch of the New Deal in Beijing is to further benefit people’s livelihood and better serve housing provident fund depositors.
Experts said that in the past, under normal circumstances, the common guarantee methods of provident fund loans were joint liability guarantee and mortgage guarantee of Beijing Housing Loan Guarantee Center. Among them, the guarantee of the guarantee center involves the guarantee service fee, and the charging standard is three thousandths of the loan amount, and the minimum charge is 300 yuan. The appraisal fee for second-hand houses is charged according to three thousandths of the appraisal value, with the lowest charge of 300 yuan and the highest charge of 1,500 yuan.
The person in charge of the provident fund center said that according to the "Regulations on the Management of Housing Provident Fund": "Applicants who apply for housing provident fund loans shall provide guarantees." In the future, when a depositor applies for a personal loan of housing provident fund, the Beijing Housing Loan Guarantee Center can provide the depositor with a phased guarantee before the pre-mortgage registration (or mortgage registration) of the purchased house, and the depositor does not need to pay the guarantee service fee. This means that employees who apply for provident fund loans will be exempted from the guarantee service fee ranging from several hundred yuan to thousands of yuan.
In addition, the Provident Fund Center also introduced an evaluation competition mechanism, and selected six first-class real estate appraisal agencies, including Beijing Guosheng Real Estate Appraisal Co., Ltd. and Beijing Huayuan Longtai Real Estate and Land Assets Appraisal Co., Ltd., to provide better, more convenient and efficient services for paid employees.
The Provident Fund Center said that the adjustment of loan-related fees is based on the date of acceptance, that is to say, the depositor will no longer pay the guarantee service fee for the newly accepted loans from today, and the highest charging standard for the second-hand housing appraisal fee will be lowered to 600 yuan/piece.