The "Draft for Comment" proposes to implement preferential tax policies. During the period from June 65438+1 October 1 day in 2022 to February 3 1 day in 2023, taxpayers who sold their own houses and re-purchased commercial houses within1year after selling their existing houses will be given preferential tax refund.
At the same time, due to the city's good use of the policy toolbox, the lower limit of the first set of commercial personal housing loan interest rate will be gradually cancelled before the end of 2022. Increase investment in real estate development loans, encourage banking institutions to actively strive for policies, give reasonable real estate development loan support to projects with controllable risks and sufficient guarantees, and strive to make the average annual growth rate of real estate development loans higher than the provincial average. For temporarily difficult real estate enterprise loans, we can help enterprises resist risks by adjusting repayment plan, delaying repayment of principal, continuing loans without repayment of principal, and extending loans. We will steadily and orderly carry out loan business for risk disposal projects, and support the increase of supporting financing loans for "Baojiaolou" projects.
In terms of implementing the preferential policy of "secured transfer", the exposure draft proposes that if the mortgaged real estate needs to be listed and traded, the seller can complete the transfer registration without returning the original mortgage first, and the buyer can obtain financial loans through "secured transfer".
In adjusting the housing provident fund policy, the interest rate of the first individual housing provident fund loan was lowered. Flexible employees (rural residents, individual industrial and commercial households, freelancers) will be included in the pilot coverage of the housing provident fund system, and flexible employees will be encouraged to voluntarily pay the housing provident fund. Expand the scope of housing provident fund loans in different places, and allow employees who have paid housing provident fund in Hubei, Hunan, Chongqing and Chengdu, Sichuan to buy houses in this state and apply for housing provident fund loans from the state provident fund center.
At the same time, the "Exposure Draft" proposes that resettlement houses can be raised by means of group purchase of commercial housing and new land allocation. Support state-owned enterprises to purchase new commercial housing as affordable rental housing, and solve the housing difficulties of basic public service personnel. Explore that real estate enterprises can sell existing commercial houses to buyers as * * * property houses. The preferential price of group-buying commercial housing is not included in the decline of the record price of commercial housing.
In addition, guide and encourage rural residents to buy houses in cities; Encourage families with two children and many children and all kinds of talents to buy housing subsidies for commercial housing.
On the same day, Enshi Housing and Construction Bureau also issued the "Guiding Opinions on Encouraging Rural Residents to Purchase Houses in Cities (Draft for Comment)" for public comments.
The "Draft for Comment" shows that rural residents who voluntarily withdraw from their homesteads and enter the city to buy houses in counties and cities in the state will implement targeted housing price-limited sales and give one-time housing subsidies. For rural residents who keep their homesteads and buy commercial housing in cities, the housing subsidy policy will be implemented, and real estate development enterprises will be encouraged to give appropriate concessions on the sales price of commercial housing.
At the same time, financial institutions should innovate financial products for farmers to buy houses in cities, increase the contracted management rights of rural land and mortgage loans for forest rights, and ensure the demand for funds for farmers to buy houses in cities.
According to the "Draft for Comment", rural residents who buy houses in cities can apply for registration as permanent residence in cities and towns, and enjoy the same treatment as urban residents in public services such as education, health care, medical insurance and social security, and their land contractual management rights, original collective property rights and income distribution rights can remain unchanged.