New Deal of Zhumadian Property Market in Henan Province: The down payment of provident fund loans has been reduced to 20%, and there are subsidies for buying houses.

After more than ten cities introduced the new policy of stabilizing the property market, Zhumadian City, Henan Province also joined this queue. Zhumadian city has made it clear that in view of the problems existing in the real estate market in our city, we should make precise policies to minimize the impact of the epidemic.

On February 2 1 day, Zhumadian Municipal Government of Henan Province issued the Opinions on Further Standardizing and Promoting the Stable and Healthy Development of the Real Estate Industry (hereinafter referred to as the Opinions) to minimize the impact of the epidemic.

The "Opinions" mentioned that the amount of housing provident fund loans increased from 450,000 yuan to 500,000 yuan; The minimum down payment ratio of the first home provident fund loan is lowered from 30% to 20%; At the same time, vigorously promote the housing provident fund portfolio loan business. In addition to all kinds of talents buying houses, college graduates and migrant workers have corresponding housing subsidies.

This is also the first city to announce a reduction in the down payment ratio of provident fund loans to purchase the first home during the COVID-19 epidemic.

In the eyes of the industry, "the adjustment of the down payment ratio policy has a strong' warm market' effect, which can well stimulate the demand for housing. It is expected that starting from March, with the gradual improvement of the epidemic, the policy effect will be gradually released, and the housing market is expected to improve. "

Specifically, the opinions issued by Zhumadian City pointed out that the maximum loan amount for employees in counties and districts to pay housing provident fund increased from 450,000 yuan to 500,000 yuan. Zhumadian City Housing Provident Fund Management Committee should continuously increase the maximum amount of individual housing provident fund loans according to the actual housing prices. Adjust the down payment ratio of housing provident fund loans. The minimum down payment ratio of employees' first home loan will be reduced from 30% to 20%, and the down payment ratio of second home loan will remain unchanged at 30%. At the same time, vigorously promote the housing provident fund portfolio loan business.

The "Opinions" also clearly implemented the housing subsidy policy and subsidized the purchase of the first home in the central city and county. The subsidy targets and standards are: 200 yuan/m2 for all kinds of talents, college graduates 150 yuan/m2, and migrant workers 100 yuan/m2. The subsidy funds shall be borne by the beneficiary finance, and the subsidy funds in the central city shall be divided into two levels according to the local tax preferential ratio.

In terms of alleviating the financial pressure of development enterprises, the Opinions pointed out that financial institutions should support the healthy development of the real estate industry and cannot engage in "one size fits all". Personal housing mortgage loan approval has been completed, should be timely payment of loan funds. Promote financial institutions to moderately reduce the interest rate of personal housing mortgage loans. For individual mortgage loans that have entered the approval process, it is necessary to optimize the approval process, speed up loan issuance, and increase the effective cash inflow of enterprises. Enterprises that are seriously affected by the epidemic and have difficulties in repayment due can be extended, and loans that expire before June 30, 2020 and have a loan term of one year can be implemented without repayment. Reduce the guarantee rate of government financing. Encourage government guarantee institutions to actively negotiate with cooperative financial institutions to reduce or cancel the counter-guarantee requirements of financing guarantee projects, and the guarantee rate shall not exceed 1%.

Attachment: Opinions of Zhumadian Municipal People's Government on further standardizing and promoting the stable and healthy development of the real estate industry.

County, District People's governments, economic development zones, urban-rural integration demonstration zones, high-tech industrial development zones, and relevant units directly under the municipal government:

In order to thoroughly implement the decision-making arrangements of the CPC Central Committee and the State Council to establish and improve a long-term mechanism for the stable and healthy development of the real estate market, and minimize the impact of the epidemic, we will continue to adhere to the positioning of "houses are used for living, not for speculation", closely focus on the requirements of "stabilizing land prices, housing prices and expectations", and make scientific judgments and precise policies for the problems existing in the real estate market in our city, rationally guide market expectations, and promote the stable and healthy development of the real estate market in our city and accelerate its realization.

First, give play to the role of government regulation and guidance.

1. Adjust the proportion of land bid bond payment. Land for key projects such as industry and logistics approved by the municipal government shall be paid with a bid bond of 20% of the assessed price; With the approval of the municipal government, the land for resettlement of the masses (such as mixed development with commercial housing, converted into policy land area according to the proportion of resettlement housing in the total construction area) and pure commercial land shall be paid with a bid bond of 30% of the assessed price; For other land, the bid bond for land is adjusted from 50% of the assessed price to 40% of the assessed price.

Lead department: Municipal Bureau of Natural Resources and Planning

First responsible person: Chen Li Contact: 18739639933

2. Adjust the proportion of parking spaces. The proportion of residential parking spaces in real estate development projects is adjusted from per household 1: 1.5 to no less than 1: 1.2, and determined according to regional differentiation.

Lead department: Municipal Bureau of Natural Resources and Planning

First responsible person: Chen Li Contact: 18739639933

3. Standardize the commercial-residential ratio. When the commercial land price of commercial and residential land that has been sold but not started is higher than the residential land price, the commercial proportion may be appropriately lowered, but it shall not be lower than 50% of the planning conditions.

Lead department: Municipal Bureau of Natural Resources and Planning

First responsible person: Chen Li Contact: 18739639933

4. Put an end to the planning and construction of garages and parking spaces. All planned garages and parking spaces must ensure the parking function and shall not be used for other purposes. Those used for other purposes shall be punished in accordance with the law and regulations to restore their original functions.

Lead department: Municipal Urban Management Bureau

First responsible person: Wang Hongyan Contact: 13938357939

Responsible departments: district governments (administrative committees), municipal public security bureau, municipal resources and planning bureau.

Second, improve the project pre-sale supervision system.

5. Reduce the pre-sale threshold of commercial housing. On the premise that the investment in development and construction reaches more than 25% of the total investment in the project construction, the "construction image progress" in the conditions of handling the pre-sale permit of commercial housing is adjusted to: the image progress of the main building below the middle and high-rise building (below 9 floors) reaches the basic structure part to plus or minus zero; The image progress of high-rise building (10 floor and above) has reached the top of two floors (including basement) on the ground. The municipal housing and construction department shall timely issue pre-sale permits to projects that meet the pre-sale conditions, and actively explore differentiated management methods.

Lead Department: Municipal Housing and Urban-Rural Development Bureau

First responsible person: Zhang Contact: 13803965688

6. Optimize the supervision of pre-sale funds of commercial housing. First, the unforeseen expenses in the supervision funds were reduced from 20% to 10%. Second, the adjusted unforeseen expenses are used as inclined funds, which are divided into three levels: 30%, 60% and 90% according to the social credibility of the enterprise and the construction and operation of the project. The third is to adjust the original "six-node" allocation to "ten-node" allocation, and increase the nodes of "one quarter, one third, one half and three quarters of the completed floors above the ground", so as to achieve accurate allocation and improve the capital turnover rate of enterprises. Fourth, the application for the use of qualified funds was reduced from the original 5 working days to 2 days. The fifth is to adjust the guarantee funds from "5% of key supervision funds and not less than 2 million yuan" to "5% of key supervision funds and not less than 6,543,800 yuan".

Lead Department: Municipal Real Estate Registration Service Center

First responsible person: Xie Contact information:1879039911.

Third, implement a positive credit support policy.

7. Increase financial support for the real estate industry. Encourage all banking financial institutions to provide credit support for real estate development projects that meet the loan conditions, appropriately tilt the increment under the condition that the stock remains unchanged, appropriately reduce the loan interest rate, reduce the mortgage and pledge rate, and reasonably meet the credit demand in the real estate sector. All banking financial institutions should implement the LPR interest rate pricing mechanism for housing mortgage loans, and encourage all banking financial institutions to reduce the mortgage margin ratio for real estate development enterprises with good credit. Provide financing support for mergers and acquisitions or project construction of enterprises with strength and good reputation. Support enterprises with good credit status to issue corporate bonds and broaden direct financing channels. All banking financial institutions shall not blindly lend, cut off or suppress loans to real estate enterprises.

Lead department: Municipal Finance Bureau

First responsible person: Li Junling Contact: 1393960929 1.

Responsible departments: Municipal Finance Bureau, People's Bank of China and Banking Insurance Regulatory Bureau.

8. Give play to the supporting role of housing provident fund. The first is to adjust the amount of housing provident fund loans. It is necessary to appropriately increase the loan amount of housing provident fund in a timely manner, and increase the maximum loan amount paid by employees in the county to 500,000 yuan from 450,000 yuan. The Municipal Housing Provident Fund Management Committee shall continuously raise the maximum amount of individual housing provident fund loans according to the actual housing prices. The second is to adjust the down payment ratio of housing provident fund loans. The minimum down payment ratio of employees' first home loan will be reduced from 30% to 20%, and the down payment ratio of second home loan will remain unchanged at 30%. Third, vigorously promote the housing provident fund portfolio loan business. Housing provident fund cooperative banks should carry out portfolio loan business. The fourth is to waive the mortgage registration fee. The mortgage registration fee for individual housing provident fund loans is free, and will be paid by the housing provident fund center from 2020 1 month 1 day.

Lead Department: City Housing Provident Fund Center

First responsible person: Zhang Xinling Contact: 138396 16596

Fourth, actively respond to changes in the market situation.

9. Clarify the property right relationship between underground parking spaces and supporting houses in residential areas. According to the principle of voluntariness, the obligee can apply to the real estate registration department for the ownership registration of underground parking spaces (except civil air defense parking spaces) and supporting houses in the community.

Lead Department: Municipal Real Estate Registration Service Center

First responsible person: Xie Contact information:1879039911.

10. Implement the housing subsidy policy. Subsidies will be given to those who buy the first house in urban areas and counties. The subsidy targets and standards are: all kinds of talents in 200 yuan/㎡, college graduates 150 yuan/㎡, migrant workers 100 yuan/㎡. The subsidy funds shall be borne by the beneficiary finance, and the subsidy funds in the central city shall be borne by the urban two levels according to the local tax preferential ratio. City and county administrative service center should set up a comprehensive window, unified handling of subsidies. The starting and ending time of subsidy shall be subject to the time of deed tax certificate. The specific measures shall be formulated separately by the counties and districts, and the measures for the central city shall be formulated by the Municipal Housing and Construction Bureau and the Municipal Finance Bureau. Children of migrant workers who buy houses in cities are enrolled in kindergartens nearby, and enjoy the same policy of benefiting the people as citizens in terms of medical care, schooling and housing.

Lead department: Municipal Finance Bureau

First responsible person: Li Ruihong Contact: 18203960077

Responsible departments: county and district governments (administrative committees), municipal talent office, municipal housing and construction bureau, municipal education bureau, municipal tax bureau and municipal real estate registration service center.

1 1. Relieve the financial pressure of development enterprises. First, financial institutions should support the healthy development of the real estate industry and cannot engage in "one size fits all". Personal housing mortgage loan approval has been completed, should be timely payment of loan funds. The second is to promote financial institutions to moderately reduce the interest rate of personal housing mortgage loans. For individual mortgage loans that have entered the approval process, it is necessary to optimize the approval process, speed up loan issuance, and increase the effective cash inflow of enterprises. Third, enterprises that are seriously affected by the epidemic and have difficulties in repayment due can be extended, and loans that expire before June 30, 2020 and have a loan term of one year can be implemented without repayment. The fourth is to reduce the guarantee rate of government financing. Encourage government guarantee institutions to actively negotiate with cooperative financial institutions to reduce or cancel the counter-guarantee requirements of financing guarantee projects, and the guarantee rate shall not exceed 1%.

Lead department: Municipal Finance Bureau

First responsible person: Li Junling Contact: 1393960929 1.

Responsible departments: Municipal Finance Bureau, People's Bank of China and Banking Insurance Regulatory Bureau.

Verb (abbreviation of verb) creates a benign market development environment.

12. Support the acceleration of the "four changes and one demolition" project. The first is to optimize the allocation of funds. Approved by the municipal government, the "four reforms and one demolition" project includes three types of projects: renovation of dilapidated houses, renovation of villages in cities and renovation of shanty towns. The district governments (administrative committees) are responsible for the implementation. According to the principle of consistency of power and responsibility, the land transfer income shall be turned over to the municipal finance according to 10% of the total land transfer price (excluding 3% accrued at the provincial level), and the rest shall be used as a whole for the compensation and resettlement of projects and related infrastructure and public funds in this area. The second is to reduce the cost of transformation. All kinds of administrative fees involved in the construction of resettlement houses in the "four reforms and one demolition" project will be reduced or exempted if they meet the conditions for reduction or exemption.

Lead department: Municipal Finance Bureau

First responsible person: Li Ruihong Contact: 18203960077

Responsible departments: district governments (administrative committees) and municipal real estate registration service center.

13. Strengthen supporting infrastructure construction and services. In principle, municipal pipe networks such as water supply, power supply, gas supply and heating should be designed, constructed and put into use at the same time with municipal roads to ensure that real estate projects have timely water supply, power supply, ventilation and heating conditions. Water supply, gas supply and heating projects that use supporting fees for urban infrastructure will all enter the public resource trading center for public bidding. The registration of water supply, gas supply and heating enterprises shall be handled in the municipal administrative service center in a unified way. The time limit for water supply registration shall be reduced from 7 working days to 5 working days, for gas supply from 9 working days to 5 working days, and for heating from 10 working days to 8 working days. Urban management departments should actively explore, study and formulate normative opinions on the construction and management of water, electricity, gas and heat enterprises, and strengthen industry guidance and supervision.

Lead department: Municipal Urban Management Bureau

First responsible person: Wang Hongyan Contact: 13938357939

Municipal public resources trading center and municipal administrative service center.

14. Simplify the approval process of supporting fees for urban infrastructure. The implementation of district-level countersignature, municipal financial audit, government rapid review and approval. Within 5 working days from the date when the enterprise applies, the district-level government will complete a one-time countersignature (all signatories must be present, hold a meeting to study and sign opinions on the spot). To meet the relief policy of the project, the municipal finance department shall immediately report to the municipal government after receiving the application from the district government (CMC), and complete the examination and approval within 3 working days; On the "one thing, one discussion" project, the municipal finance department shall report to the municipal government immediately after receiving the application from the district government (CMC), and complete the examination and approval within 5 working days.

Lead department: Municipal Finance Bureau

First responsible person: Li Ruihong Contact: 18203960077

Responsible Department: District Government (Administrative Committee)

15. Implement environmental protection measures. Differentiated management should be implemented in dust control and pollution prevention of real estate development projects, instead of "one size fits all". First, national and provincial key projects that meet the requirements of "green construction" and people's livelihood projects determined by the government (including hospitals, schools, demolition and resettlement houses, etc.). When the heavily polluted weather is orange or below, normal construction is allowed during the emergency control period after being approved by the "Mayor's Pen" and reported to the provincial office for the record. Second, all construction enterprises should use diesel vehicles above the national level, prohibit the use of high-emission vehicles such as agricultural tractors, and prohibit the use of high-emission off-road mobile machinery in prohibited areas. Third, the Municipal Public Security Bureau and the Municipal Bureau of Ecology and Environment will reduce the number of construction vehicles that meet the requirements of dust control and pollution prevention from 3 working days to 1 working day during the no-go zone for high-emission vehicles and heavy pollution weather control in the central city.

Lead department: Municipal Bureau of Ecology and Environment

First responsible person: Guo Lijun Contact: 13592662796

Responsible department: Municipal Public Security Bureau

16. improve the level of government services. Accelerate the reform of "simplifying administration and decentralization, strengthening supervision and improving services", further optimize the business environment, reduce administrative examination and approval items, implement joint examination and approval and online examination and approval, simplify materials, links and time, and improve work efficiency. After taking the land, the land planning permit should be handled at the same time. For resettlement housing projects, "four reforms and one demolition" projects and general real estate projects, the construction can be started after the modification plan is approved by the Planning Commission, and the relevant procedures can be handled in time. On the premise of ensuring that the construction application materials are complete and conform to the statutory form, the pre-sale permit of commercial housing will be reduced from the statutory 7 working days to 3 working days, and the filing of project completion acceptance will be reduced from the statutory 10 working days to 5 working days.

Lead Department: Municipal Development and Reform Commission

First responsible person: Luo Contact: 13839939523

Responsible departments: Municipal Administrative Service Center, Municipal Natural Resources and Planning Bureau, Municipal Housing and Construction Bureau, Municipal Ecological Environment Bureau and Municipal Emergency Management Bureau.

Supplementary clause of intransitive verbs

17. This opinion shall come into force as of the date of promulgation, and articles 10 and10/shall be valid for 3 months after the release of the COVID-19 epidemic (if specific policies and measures have been clearly implemented, their provisions shall prevail). If the previously promulgated policies are inconsistent with this opinion, this opinion shall prevail. During the implementation period, if a new policy is promulgated by the superior, it shall be implemented according to the new policy.

February 20(th), 2020