CCTV News:On March 26th, Zhongshan issued the Notice on Further Promoting the Stable and Healthy Development of the Real Estate Market in our City (hereinafter referred to as the Notice). "Notice" from the implementation of commodity housing prices for the record review, strict price system; Strengthen the pre-sale management of commercial housing; Implement housing purchase restriction and differential credit policy, and strengthen financial supervision over commodity housing sales; Strengthen the rectification of the real estate intermediary market; Strengthening the guidance of public opinion in the real estate market and other five aspects have further standardized the Zhongshan property market.
Notice on further promoting the stable and healthy development of the real estate market in our city
Torch Development Zone Management Committee, Cuiheng New District Management Committee, town governments, district offices and relevant municipal units:
In order to further improve the city’s real estate market policy, ensure the stability of commodity housing prices, and promote the healthy and orderly development of the real estate market, relevant matters are hereby notified as follows:
First, the implementation of commodity housing prices for the record review, strict price system.
(a) the implementation of commodity housing prices for the record. Before the new commercial housing project is sold (pre-sale and existing building sales), it should first go to the municipal price department to handle the sales price record. The competent price department shall not put on record the commodity housing project whose quotation is obviously higher than the price of the surrounding projects for sale and the pre-transaction price of this project and does not accept the guidance; Items that have not been put on record for price will not be issued pre-sale permit for the time being, and will not be registered for the ownership of existing buildings for the time being. The house price can only be adjusted after 6 months of filing, but if it is necessary to lower the filing price, the interval can be shortened to 1 month.
(two) the implementation of the price system. Strict implementation of the "Regulations on the Price Marking of Commercial Housing" (No.548 [2011] of the Development and Reform Commission) and the "Regulations of Guangdong Provincial Price Bureau on the Price Marking of Commercial Housing Sales" (No.106 [2011] of Guangdong Province) and other relevant regulations. For real estate development projects that have obtained pre-sale permission or are sold in existing buildings, all the houses should be made public at one time within 10 days, and the price should be clearly marked, and "one set, one standard, one room and one room" should be implemented. When the same batch is sold in batches, the sales price shall not be increased. Real estate development enterprises shall determine the reasonable selling price of commercial housing according to the development and construction costs, reasonable profits and other factors, and must honor the various price commitments announced, and shall not increase the price beyond the marked price, and shall not charge any unspecified fees, and shall not use false or irregular price labels to mislead consumers into price fraud, and shall not drive up prices and collude with price increases through various improper means such as fabricating and spreading false information.
(3) Seriously investigate and deal with price violations such as price gouging. The competent pricing department should intensify the inspection of law enforcement, and severely investigate and deal with illegal acts such as intentionally concealing the sales situation, property hoarding, artificially creating housing shortage, selling commercial housing at a higher price than the marked price, charging unspecified fees, misleading consumers with false or irregular price marks, etc., which have obtained the pre-sale permit.
Second, strengthen the pre-sale management of commercial housing
Before the pre-sale of commercial housing, the pre-sale permit shall be obtained according to law. Before obtaining the pre-sale permit, the real estate development enterprise shall not sell the commodity housing in any form, and shall not sign a commercial housing subscription book with the purchaser or collect the intentional payment (earnest money) or deposit of the purchaser in any form; Do not entrust a sales agency (including e-commerce) to sell, collect subscription funds or group purchase service fees; E-commerce or other institutions are not allowed to collect membership fees or any other fees for specific projects, specific buildings or in the form of membership at specific times. Once discovered, the real estate development enterprise must immediately repay all the fees collected. Those who have not been repaid shall not apply for pre-sale permit or suspend the pre-sale permit, and shall be punished in accordance with relevant laws and regulations.
The pre-seller shall, in accordance with the provisions of the Regulations on the Administration of Pre-sale of Commercial Housing in Guangdong Province, express to the pre-seller in writing the legal matters such as the pre-sale permit of commercial housing, the progress of project development and the time of completion and delivery, the price and payment method of pre-sale of commercial housing, and the special account for pre-sale of commercial housing.
Three, the implementation of housing purchase restriction and differential credit policy, strengthen the financial supervision of commodity housing sales.
(a) the implementation of the purchase restriction policy.
For households with three or more houses registered in this city, the sale of new commercial housing will be suspended.
Families who are not registered in this city can provide personal income tax certificates or social insurance certificates in this city for more than half a year before the date of purchase, and are allowed to purchase 1 set of new commercial housing. Non-local households who own one set of housing and cannot provide personal income tax certificates or social insurance certificates for more than two years in this city within two years before the date of purchase will be suspended from selling new commercial housing to them.
Non-local households with college degree or above, professional and technical personnel with intermediate title or above, and skilled personnel with intermediate level or above, who belong to enterprises with upper limit, high-tech enterprises, and enterprises with recognized key investment projects in the city, can provide labor contracts signed by corporate representatives and social insurance certificates in this city, and are allowed to purchase one set of new commercial housing.
Non-local registered academicians, leading talents and other talents who have been introduced or incorporated into the government management service for the record with the consent of the municipal competent department of talents are in short supply for high-level talents. With the certificate issued by the Municipal Human Resources and Social Security Bureau, one set of new commercial housing is allowed to be purchased; After working continuously in this city for one year, you are allowed to buy a second set of new commercial housing.
For non-local households with 2 or more houses, the sales of new commercial housing will be suspended.
Families who are not registered in this Municipality may not purchase new commercial housing by providing proof of paying personal income tax or proof of social insurance.
For overseas Chinese and compatriots from Hong Kong, Macao and Taiwan who have no housing in Zhongshan area, they are allowed to buy a new set of commercial housing.
(2) Implementing differentiated credit policies. For qualified buyers, the minimum down payment ratio for the first suite is not less than 30%, and the minimum down payment ratio for the second suite is not less than 40%. Relevant differentiated housing credit policies are as follows:
1. When households purchase the first home, according to the national policy, the minimum down payment ratio for applying for commercial personal housing loans shall not be less than 30%.
2. For households with housing loan records but no housing when applying for loans to purchase houses, households with one set of houses but no housing loan records or whose corresponding housing loans have been settled, the minimum down payment ratio for re-applying for commercial personal housing loans to purchase houses shall not be less than 30%.
3. The minimum down payment ratio for a resident family to apply for a commercial personal housing loan to buy a house is not less than 40% if they own a house and the corresponding housing loan is not settled.
4. For households registered in this Municipality, commercial personal housing loans for the third and above houses will be suspended. For families who are not registered in this city, the commercial personal housing loans for the second and above houses will be suspended.
(3) Investigating illegal financial risks of real estate. Strictly investigate and punish real estate development enterprises and real estate intermediary enterprises for engaging in illegal financial business by using the Internet, cooperating with Internet platforms to carry out illegal financial business, engaging in illegal fund-raising activities in the name of "equity crowdfunding", carrying out businesses of "advance payment", "down payment loan", "foreclosure loan" and "final payment loan", and illegal crowdfunding speculation, so as to further reduce financial risks in the real estate sector.
Fourth, strengthen the rectification of the real estate intermediary market
(1) Intensify the rectification of the real estate intermediary market. Strengthen the filing management of real estate intermediaries and employees, strictly implement the filing system of commercial housing sales agencies and sales personnel, and prohibit real estate development enterprises from using unlicensed and undocumented intermediaries to sell commercial housing.
(2) Real estate brokerage agencies and employees are not allowed to speculate on the house number, earn the difference in the agency process, make illegal transactions, and create marketing panic by means of internal subscription, hiring people to queue up, etc.
(three) to strengthen the integrity management of real estate enterprises and intermediaries. All real estate enterprises and intermediaries in the city will be brought into the credit system management, and enterprises (institutions) that fail to keep credit will be dealt with by warning, punishment, qualification demotion, cancellation of market access, and accountability according to law, and the situation of dishonesty will be announced to the public through the media, so as to promote them to operate in good faith according to law and create a good market atmosphere.
Five, strengthen the guidance of public opinion in the real estate market
All relevant departments should strengthen the disclosure of information related to the real estate market and answer relevant questions such as policies of public concern in a timely manner. All kinds of news media and online platforms should strengthen positive publicity and public opinion guidance, objectively and fairly report the real estate market, advocate the concept of rational management and rational consumption, correctly guide the expectations of the real estate market, and prevent false information and irresponsible speculation and comments from misleading consumption. All kinds of institutions and individuals who fabricate information, spread false news, and create rumors and troubles should be investigated for responsibility according to law and resolutely investigated and dealt with. (CCTV reporter Wei Xing)