Zhongshan, Guangdong: Families with two children or above do not need to provide housing certificates when reviewing home purchase qualifications | pragmatic demo games, result jepang
On September 21, according to the official website of Zhongshan Housing and Urban-Rural Development Bureau of Guangdong Province, Zhongshan Housing and Urban-Rural Development Bureau, Zhongshan Human Resources and Social Security Bureau, Zhongshan Natural Resources Bureau, etc. Nine departments jointly issued the "Notice on Further Supporting Reasonable Housing Demand". Focusing on the goals of stabilizing land prices, stabilizing house prices, and stabilizing expectations, a series of new policies were launched to better meet the rigid and improved housing needs of Zhongshan residents. A total of nine measures were notified. In terms of optimizing housing listing conditions, the "Notice" proposes to promote a virtuous cycle in the primary and second-hand housing market. As of the date of publication, the "Notice of the Zhongshan Municipal Human Resources and Social Security Bureau on Further Optimizing the Measures to Ensure the Resettlement of Talents in Our City" has lifted the restrictions on the listing and trading of commercial housing. It is understood that on April 28, 2022, the Zhongshan Municipal Human Resources and Social Security Bureau issued the "Notice on Further Optimizing the Housing Security Measures for Talents in Our City", which stipulates that "all non-Zhongshan registered talents holding college or above (including junior college) academic certificates, professional and technical qualifications, vocational qualifications or vocational skill level certificates are allowed to purchase 1 set of newly built commercial housing within the city. The house shall not be listed for trading within 2 years from the date of online signing. Mortgage policies shall be implemented in accordance with relevant national regulations." After the "Notice" is implemented, the restriction that "houses shall not be listed for trading within 2 years from the date of online signing" will be lifted. In terms of supporting the demand for rigid and improved housing, families that comply with the national fertility policy and have two or more children do not need to provide housing certificates when reviewing home purchase qualifications. The Zhongshan Municipal Housing and Urban-Rural Development Bureau explained that families with two or more children who comply with the national fertility policy do not need to apply the current purchase restriction policy when purchasing commercial housing in Zhongshan City’s purchase-restricted areas. They only need to provide relevant family member certificates when reviewing the home purchase qualifications. There is no need to provide housing certificates. The mortgage policy is implemented in accordance with relevant national regulations. At the same time, the "Notice" proposes to implement the local personal housing loan policy of "recognizing the house but not the loan" and adjust and optimize the differentiated housing credit policy. Reasonably determine the minimum down payment ratio and interest rate lower limit for local commercial personal housing loans for first and second homes, and guide personal housing loan interest rates and down payment ratios downward. Encourage the implementation of "online signing and transfer of housing with mortgage", implement the "transfer of second-hand housing with provident fund personal loans", guide banks to cooperate in loan processing, improve transaction efficiency, and reduce the pressure on home buyers to raise funds. In addition, commercial banks within the jurisdiction are guided to adjust the existing first-home loan interest rates in an orderly manner in accordance with the law. In terms of increasing housing provident fund support, the "Notice" proposes that for families with two children or more who purchase their first or second self-occupied house, the housing provident fund loan limit can be increased by 30%. Based on the current maximum housing provident fund limit in Zhongshan City, the provident fund loan limit for families with multiple children can reach 1.17 million yuan, which is 270,000 yuan more than the maximum loan limit for ordinary families. In terms of reducing housing transaction taxes and fees, from October 1, 2022 to December 31, 2025, taxpayers who sell their own homes and repurchase their homes in the market within one year after the current home is sold will be given a tax refund on the personal income tax paid on the sale of their current home. In addition, income derived from the transfer of a house that has been used by an individual for more than 5 years and is the family’s only living room is temporarily exempted.levy personal income tax. Individuals who sell housing purchased for more than 2 years (inclusive) are exempt from VAT. Individual sales or purchases of housing are temporarily exempt from stamp duty. Individual sales of housing are temporarily exempt from land value-added tax. For individuals who purchase the only home for their family (family members include the home buyer, spouse and minor children) with an area of 90 square meters or less, the deed tax will be levied at a reduced rate of 1%; if the area is more than 90 square meters, the deed tax will be levied at a reduced rate of 1.5%. If an individual purchases a second improved house for a family with an area of 90 square meters or less, the deed tax will be levied at a reduced rate of 1%; if the area is more than 90 square meters, the deed tax will be levied at a reduced rate of 2%. The following is the full text of the policy: The Torch Development Zone Management Committee, the Cuiheng New District Management Committee, all town governments, street offices, and relevant municipal units: In order to thoroughly implement the decisions and arrangements of the Party Central Committee and the State Council, and adhere to the positioning that houses are for living in, not for speculation, around With the goal of stabilizing land prices, housing prices, and expectations, and better meeting residents' rigid and improved housing needs, with the consent of the Municipal People's Government, the relevant matters are hereby notified as follows: 1. Further support talents to live in Zhongshan (1) Explore the joint construction of "industry + talent + supporting facilities" high-end talent communities. Use market-oriented means to guide enterprises to participate in construction and give full play to the role of talent housing companies in investment and financing construction. Support talent housing companies to raise funds through various methods and build a multi-level and diversified supply system. (2) Build municipal-level talent housing to high standards to ensure the short-term housing needs of talents, adopt the method of renting first and paying later, and use relevant housing as a designated housing source to enjoy government rental subsidies. (3) Before December 31, 2027, subsidies will be provided to overseas high-end talents and in-demand talents working in this city (including Hong Kong, Macao and Taiwan) based on the difference in personal income tax burdens between the mainland and Hong Kong. The subsidies will be exempt from personal income tax. 2. Optimize housing listing conditions (4) Promote a virtuous cycle in the primary and second-hand housing market. As of the date of publication, the "Notice of the Zhongshan Municipal Human Resources and Social Security Bureau on Further Optimizing the Measures to Ensure the Resettlement of Talents in Our City" has lifted the restrictions on the listing and trading of commercial housing. 3. Support rigid and improved housing needs (5) For families that comply with the national fertility policy and have two or more children, they do not need to provide housing certificates when reviewing their home purchase qualifications. (6) Implement the local personal housing loan policy of “recognizing a house but not a loan”, and adjust and optimize differentiated housing credit policies. Reasonably determine the minimum down payment ratio and interest rate lower limit for local commercial personal housing loans for first and second homes, and guide personal housing loan interest rates and down payment ratios downward. Encourage the implementation of "online signing and transfer of housing with mortgage", implement the "transfer of second-hand housing with provident fund personal loans", guide banks to cooperate in loan processing, improve transaction efficiency, and reduce the pressure on home buyers to raise funds. (7) Guide commercial banks within the jurisdiction to adjust the existing first-home loan interest rates in an orderly manner in accordance with the law. 4. Increase housing provident fund support (8) For families with two or more children purchasing their first or second home for self-occupation, the housing provident fund loan limit can be increased by 30%. 5. Maintain stable and orderly real estate financing (9) Maintain stable and orderly real estate financing, meet the reasonable financing needs of real estate projects in accordance with market-oriented principles, and support the reasonable extension of existing financing such as development loans and trust loans. 6. Reduce housing transaction taxes and fees (10) From October 1, 2022From July 1 to December 31, 2025, taxpayers who sell their own homes and repurchase their homes in the market within one year after the sale of their current homes will be given a tax refund preferential treatment for the personal income tax paid on the sale of their current homes. (11) Income derived from the transfer of a house that has been used by an individual for more than five years and is the only living room of the family is temporarily exempt from personal income tax. Individuals who sell housing purchased for more than 2 years (inclusive) are exempt from VAT. Individual sales or purchases of housing are temporarily exempt from stamp duty. Individual sales of housing are temporarily exempt from land value-added tax. (12) For individuals who purchase the only home for their family (family members include the home buyer, spouse and minor children) with an area of 90 square meters or less, the deed tax will be levied at a reduced rate of 1%; if the area is more than 90 square meters, the deed tax will be levied at a reduced rate of 1.5%. If an individual purchases a second improved house for a family with an area of 90 square meters or less, the deed tax will be levied at a reduced rate of 1%; if the area is more than 90 square meters, the deed tax will be levied at a reduced rate of 2%. 7. Improving the quality of residential buildings (13) In order to further improve the quality of residential space, it is encouraged to set up public open spaces on the standard floors of residential buildings. Public open spaces are not counted in capacity and are required to be concentrated on this floor. The building area shall not exceed 5% of the building area of the floor, and the cumulative length of the open surface shall not be less than 40% of the perimeter. (14) When the building area of a duplex residence is greater than 144 square meters and the indoor hollow area does not exceed 20% of the built-up area, the floor area ratio shall be calculated based on the horizontal projected area of the structural floor. 8. Cultivate and develop the housing rental market (15) Actively guide state-owned enterprises and social capital as investment entities, build a leasing platform dominated by state-owned capital, cultivate professional and large-scale housing leasing enterprises, and improve the level of rental housing service management. 9. Maintain the order of the real estate market (16) Continue to carry out actions to crack down on illegal activities and control chaos in the real estate market, release real estate market information and policy information comprehensively, timely and accurately, create a market environment of subject integrity, behavioral norms, and strong supervision, so that the public can buy houses with confidence. Zhongshan Municipal Housing and Urban-Rural Development Bureau Zhongshan Municipal Human Resources and Social Security Bureau Zhongshan Municipal Natural Resources Bureau Zhongshan Municipal People’s Government State-owned Assets Supervision and Administration Commission Zhongshan Municipal Financial Affairs Bureau National Zhongshan Taxation Bureau, State Administration of Taxation Zhongshan Branch of the People's Bank of China Zhongshan Supervision Branch of the State Administration of Financial Supervision Zhongshan Housing Provident Fund Management Center September 21, 2023
