Jilin: Reduce the supervision ratio of pre-sale funds of commercial housing and release the pre-sale supervision funds in advance.

On May 9, the website of Jilin Municipal People's Government of Jilin Province issued the Notice on Printing and Distributing Several Policies and Measures to Promote the Recovery and Development of the Real Estate Industry during the Epidemic Period (hereinafter referred to as the Notice), which mentioned a number of measures, such as reducing the supervision ratio of project capital, reducing the supervision ratio of pre-sale funds of commercial housing, and relaxing the deposit conditions of housing provident fund loans. The Notice shall take effect from the date of issuance to June 5438+February 3, 20221day.

The "Notice" mentioned that the regulatory conditions for land transfer contracts should be relaxed. State-owned construction land that has signed a land transfer contract and failed to be started and completed on schedule due to the epidemic will not be included in the default period in March and April of 2022, and the Jilin Municipal Bureau of Planning and Natural Resources will extend the examination and approval accordingly.

In addition, reduce the proportion of project capital supervision. Newly-started real estate development projects can supervise the project capital according to the proportion of 50%, and the project enterprises can replace the project capital cash in the form of commercial bank guarantee.

In terms of relaxing the pre-sale permit conditions for commercial housing, the Notice stipulates that enterprises can apply for pre-sale permit projects for commercial housing when the funds invested in development and construction reach more than 25% of the total investment in engineering construction.

The "Notice" also mentioned that it is necessary to reduce the supervision ratio of pre-sale funds of commercial housing and release pre-sale supervision funds in advance.

The supervision and retention ratio of pre-sale funds of commercial housing shall not exceed 5% of the supervision amount. Enterprises can take the form of commercial bank guarantee to replace the retained funds for the pre-sale supervision of commercial housing. The pre-sale funds of commercial housing must be used for the subsequent development and construction of this project. If it is misappropriated, it will be severely punished according to law. Development enterprises can apply in advance to allocate pre-sale supervision funds other than 5% retention for labor costs, material costs and other construction costs. Commercial housing pre-sale funds supervision department can take the initiative to make an appointment for the use of supervision funds according to the application of enterprises.

In terms of housing provident fund loans, it is necessary to reduce the down payment ratio of housing provident fund loans. When employees purchase new commercial housing and apply for housing provident fund loans for the first time, the down payment ratio should be no less than 20%. In addition, employees who have continuously, normally and fully paid the housing provident fund for more than 6 months (inclusive) can apply for housing provident fund loans.

The Notice also mentioned that it is necessary to raise the minimum balance of the housing provident fund loan account. The loan amount of housing provident fund shall not be higher than 10 times of the sum of the balance of the housing provident fund account of the borrower and his spouse. If the account balance is less than 30,000 yuan, the loan amount can be increased to 300,000 yuan.

The following is the full text of the notice:

In accordance with the overall deployment of the provincial party committee and the provincial government to co-ordinate the epidemic prevention and control and economic and social development, in order to speed up the recovery and development of the real estate industry and promote the virtuous circle and healthy development of the real estate market, combined with the actual situation of our city, the policies and measures to promote the recovery and development of the real estate industry during the epidemic period are hereby formulated as follows:

First, relax the supervision conditions of land transfer contracts. State-owned construction land that has signed a land transfer contract and failed to be started and completed on schedule due to the epidemic will not be included in the default period in March and April of 2022, and the Municipal Planning and Natural Resources Bureau will extend the examination and approval accordingly.

Second, reduce the proportion of project capital supervision. Newly-started real estate development projects can supervise the project capital according to the proportion of 50%, and the project enterprises can replace the project capital cash in the form of commercial bank guarantee.

Third, the qualifications of development enterprises are insufficient. Actively implement the relevant provisions of the Ministry of Housing and Urban-Rural Development on the adjustment of the qualification management of real estate development enterprises, timely examine and approve the qualification level modulation of real estate development enterprises, and the development enterprises shall handle the adjustment, extension and upgrade of qualifications, which involves the handling of tolerances required by engineers and technicians, and promise to complete the relevant procedures within 3 months. Real estate development enterprises can apply to engage in real estate business activities of a corresponding scale when the personnel and other conditions meet the corresponding development qualifications, and go through the qualification adjustment and upgrading procedures in a timely manner according to law.

Fourth, establish a "green channel" for project commencement. Before the construction of the main project, the construction land planning permit has been obtained, and the newly started projects of the construction and supervision units have been confirmed. After the approval of the construction permit examination and approval department, it is allowed to enter the site in advance for non-principal works such as land leveling, temporary enclosure, water and electricity connection, earthwork construction and dewatering construction.

Five, relax the pre-sale permit conditions of commercial housing. Enterprises applying for pre-sale permit of commercial housing may apply for pre-sale when the investment in development and construction reaches more than 25% of the total investment in engineering construction.

Six, reduce the proportion of supervision of commercial housing pre-sale funds. The supervision and retention ratio of pre-sale funds of commercial housing shall not exceed 5% of the supervision amount. Enterprises can take the form of commercial bank guarantee to replace the retained funds for the pre-sale supervision of commercial housing. The pre-sale funds of commercial housing must be used for the subsequent development and construction of this project. If it is misappropriated, it will be severely punished according to law.

Seven, the early release of pre-sale supervision funds. Development enterprises can apply in advance to allocate pre-sale supervision funds other than 5% retention for labor costs, material costs and other construction costs. Commercial housing pre-sale funds supervision department can take the initiative to make an appointment for the use of supervision funds according to the application of enterprises.

Eight, relax the housing provident fund loan deposit conditions. Workers who have paid the housing provident fund continuously, normally and in full for more than 6 months (inclusive) may apply for housing provident fund loans.

Nine, reduce the down payment ratio of housing provident fund loans. When employees purchase new commercial housing and apply for housing provident fund loans for the first time, the down payment ratio shall not be less than 20%.

Ten, improve the minimum amount of housing provident fund loan account balance. The loan amount of housing provident fund shall not be higher than 10 times of the sum of the balance of the housing provident fund account of the borrower and his spouse. If the account balance is less than 30,000 yuan, the loan amount can be increased to 300,000 yuan.

Eleven, actively promote the housing provident fund loan business in different places. Employees who have paid the housing provident fund in Jilin Province, as well as employees who have paid in other parts of the country and registered in Jilin City, can apply for housing provident fund loans within the administrative area of Jilin City, and the loan conditions, amount, term and interest rate enjoy the same rights and interests as local loan employees.

Twelve, postpone the construction period and the delivery time of the house. Affected by the epidemic and other force majeure, real estate development projects can not be resumed as scheduled, and the sold commercial houses can not be delivered according to the delivery date agreed in the contract. It is suggested that both parties to the contract negotiate to postpone the construction period and delivery time.

Thirteen, the implementation of water and gas charges deferred policy. For the water and gas fees owed by the development enterprises affected by this epidemic in March and April of 2022, water and gas supply enterprises are encouraged to extend the payment period until the end of May 2022, and the corresponding default penalty is reduced.

Fourteen, relax the conditions for the first registration of real estate projects. If the development enterprise has a good reputation, the project is developed and built by stages, and some buildings in the project have completed the project construction and obtained the completion record certificate, the planning verification can be carried out by buildings. Under the condition that the enterprise promises to complete the whole project construction on time, some buildings that have completed the project construction ahead of schedule and completed the completion acceptance record will be registered for the first time to help the enterprise finance development.

Fifteen, revitalize the mortgaged commercial housing under construction. For commercial housing that has been mortgaged under construction, development enterprises are allowed to split the original collateral and secured creditor's rights in sets with the consent of the bank, and handle the registration of mortgage change. Development enterprises can pay off the loans owed by each set of secured creditor's rights and cancel the registration of mortgage rights one by one, so as to revitalize the mortgaged commercial housing and alleviate the financial pressure of enterprises.

Sixteen, revitalize the basement, parking space assets. Under the premise of meeting the requirements of planning and civil air defense, basements and underground parking spaces with clear boundary points can be registered for the first time according to the application of development enterprises. For those who have a sales plan and do not violate the relevant mandatory regulations, the commercial housing sales license can be issued after approval, and the development enterprise can divide the basement and underground parking spaces according to the relevant management regulations on commercial housing sales. Those who have obtained the certificate of immovable property rights may apply for mortgage registration.

Seventeen, relax the scope of housing subsidies. In the Notice of Jilin Municipal People's Government Office on Printing and Distributing Relevant Preferential Policies to Encourage Farmers and College Students to Purchase Houses (Jifuban [2022] No.2), the scope of subsidies for farmers and college students to purchase new commercial housing is relaxed to stock houses (second-hand houses, excluding villa houses).

Eighteen, to meet the multi-level housing needs of property buyers. Improve the frame space of "online cloud house exhibition", build an online communication platform for real estate development enterprises and buyers, reduce the publicity cost of enterprises and improve the efficiency of house selection by owners. Guide more real estate development enterprise projects to participate in the city's policy of encouraging farmers and college students to buy houses to benefit the people, and actively participate in the "list of preferential projects for real estate development enterprises" activities.

Nineteen, open a green channel for examination and approval services. For fully decorated and slightly decorated residential projects, priority can be given to the examination, approval, review, filing and other related matters such as the pre-sale permit of commercial housing, priority should be given to participating in the evaluation and awards activities in various engineering construction fields, and priority should be given to applying for the national demonstration project of comfortable housing and the identification of residential performance.

Twenty, accelerate the construction of public service facilities. Timely announce the construction, completion progress and put-into-use time of public service facilities such as education and medical care around development projects, accelerate the construction progress of public service facilities for projects that have not started and are under construction, and ensure that they are delivered within the published time limit.

This policy and measures shall come into force as of the date of issuance, until June 65438+February 3, 20221. During the implementation of this policy and measures, if there are other provisions of the state and the province, such provisions shall prevail.