The new real estate policy of another city has been implemented.
According to the official wechat official account "released by Dalian" whose authentication subject is the "Information Office of Dalian Municipal People's government", on May 20, the office of the leading group for maintaining the steady and healthy development of the real estate market in Dalian issued the notice on promoting the healthy development and virtuous cycle of the real estate industry in Dalian (dfwb [2022] No. 1) (hereinafter referred to as the "notice"). The notice adjusted and improved policies and measures from the aspects of ensuring rigid and improved housing demand, meeting reasonable housing sales demand and meeting reasonable house purchase credit demand, so as to promote the steady and healthy development of the real estate market in Dalian.
The reporter of China business daily noted that the new real estate policy of Dalian has introduced a number of measures from four aspects: appropriately adjusting and improving the restriction policy, meeting the demand for reasonable house sales, improving financial services in the housing field and improving the filing system of one house and one price.
In terms of restrictive policies, the Circular of Dalian specifies that local Zhongshan District (excluding Donggang business district), Xigang District and Shahekou District are restricted areas, which reduces the number of high-tech parks compared with the policy in 2018. At the same time, the number of housing units in non restricted areas will not be included in the total number of units, and those who buy second-hand housing in restricted areas will no longer be limited by the total number of existing housing units.
improve the purchase restriction policy
In order to support reasonable housing demand, appropriately adjust and improve the restriction policy, which can be said to be the key content of Dalian's new real estate policy, accounting for nearly half of the notice.
The Circular of Dalian stipulates that the purchase restriction policy shall be implemented for households who purchase commercial houses (planned for residential purposes) in Zhongshan District (excluding Donggang business district), Xigang District and Shahekou District of Dalian.
Before the release of the new deal, Dalian implemented the purchase restriction policy issued in 2018. Compared with the policy in 2018, the change of purchase restriction policy in Dalian is mainly reflected in the reduction of purchase restriction areas and the identification of the number of housing units, as well as special provisions on second-hand housing and high-level talent purchase.
Specifically, the new policy of Dalian stipulates that if non registered residence household registration households purchase commodity houses in the restricted area, the purchase policy of registered residence household registration households shall be implemented, that is, if they also own two or more houses in the restricted area, the sale of commodity houses in the restricted area shall be suspended.
Compared with the policy in 2018, the purchase restriction area in Dalian has reduced the number of high-tech parks, restricted Zhongshan District, and stipulated that the number of housing units in non restricted areas will not be included in the total number of units.
For non registered residence households in Dalian, the new deal will no longer provide the certificate of continuous payment of personal income tax or social insurance for 12 months or more in Dalian within the first 2 years since the date of purchase application, and the number of housing purchase restrictions has increased from 1 or more previously owned to 2 or more.
In addition, the new policy of Dalian also makes special provisions for some cases. For example, if the total building area of registered residence resident families in Dalian is less than 144 square meters in the restricted area, they can purchase another set of commercial housing in the restricted area; Families of adult children with registered residence in Dalian can apply for the purchase qualification together with their parents' families (not limited to registered residence) as a whole, and the number of purchase units shall be determined according to the total number of units that can be purchased by the applicant family as a whole; Local high-level talents and talents in short supply in urban development can also buy houses in restricted areas according to family needs.
It is worth noting that the new policy of Dalian stipulates that if households buy second-hand houses in restricted areas, they will no longer be limited by the total number of existing houses, which means that the local restrictions on the purchase of second-hand houses have been lifted.
improve financial services in housing
In addition to the adjustment of the purchase restriction policy, taking into account the special circumstances of families, the new policy of Dalian has also adjusted the sales restriction policy. The notice stipulates that if a family member is ill, goes to school and needs funds urgently to pay medical expenses and tuition fees, the house owner can make a commitment to lift the restrictions on his restricted housing and meet the requirements of reasonable housing sales.
In terms of meeting the demand for reasonable house purchase credit, the notice of Dalian proposed to establish a dynamic adjustment mechanism for the maximum loan amount of individual housing provident fund, adjust the loan amount of housing provident fund in time, and increase the loan support of housing provident fund for high-level talents and college graduates in combination with the actual liquidity of housing provident fund.
The circular also requires all financial institutions to accurately implement differentiated housing credit policies, implement the minimum down payment ratio of individual housing loans and the lower limit of interest rate, reasonably determine the interest rate of each loan in combination with their own conditions, and better support the demand for rigid and improved housing; And distinguish between project risks and enterprise group risks, and do not blindly withdraw, cut off and suppress loans; Flexibly adjust the personal mortgage repayment plan of people affected by the epidemic.
In terms of improving the one room one price filing system, the notice of Dalian proposed that all development enterprises reasonably determine the average sales price, strictly control the increase of the average price, implement the one room one price filing system, the actual online signing price shall not be higher than the filing price, and reasonably determine the downward floating proportion in combination with the market situation.
At the same time, the "notice" of Dalian also proposed to support and encourage all real estate enterprises to expand preferential purchase for teachers, advanced workers, anti epidemic heroes, scientific and technological talents and other special groups.
