Chengdu issued "16 document" on property market regulation.

On March 22nd, the Office of the Leading Group for the Stable and Healthy Development of the Real Estate Market in Chengdu issued the Notice on Further Promoting the Stable and Healthy Development of the Real Estate Market (hereinafter referred to as the Notice), which put forward 16 specific measures from seven aspects: strengthening the management of residential land supply, deepening the linkage mechanism of housing prices and land prices, increasing housing security, strengthening the management of housing transactions, strictly supervising financial prudence, strengthening the supervision of market order, and implementing the main responsibility of regulation and control.

According to the Notice, the sales restriction period of buildings with a "ratio of people to rooms" exceeding three times in Chengdu is extended from three years to five years, and a mechanism for releasing the reference price of second-hand housing transactions is established to include "legal auction houses" in the scope of purchase restriction and sales restriction. This notice shall be implemented as of the date of issuance.

The ratio of person to room is more than 3 times, and the property is limited to 5 years.

As early as September 14, 2020, Chengdu issued the Notice on Maintaining the Stable and Healthy Development of Chengdu's Real Estate Market (Cheng Ban Fa [2020] No.83), which stipulated: "Strengthen the review of hot real estate sales plans, reasonably determine the proportion of housing and subscription, and give priority to ensuring the housing needs of families without houses." The Supplementary Notice of Chengdu Housing and Urban-Rural Development Bureau and Municipal Bureau of Justice on Perfecting the Relevant Provisions on Notarization and House Selection (Chengdu J&F [2020] No.398) stipulates that "if the number of registered house buyers is three times or more than the number of houses for sale in the current period, all houses will only be sold to registered households without houses and monetized resettlement households with shed reform".

In order to adhere to the orientation of "housing without speculation", resolutely crack down on real estate speculation, and effectively solve the housing problem of families without housing, the Notice extended the sales restriction period for purchasing such commercial housing from the original three years to five years.

From the date of promulgation of this notice, the projects that have received the pre-sale permit (opinions on filing of cash sales) shall be implemented according to these regulations, and the projects that have received the pre-sale permit (opinions on filing of cash sales) before promulgation of this notice shall be implemented according to the original policy.

Second-hand housing will have a transaction reference price.

Recently, there have been some behaviors that disturb the market order in the second-hand housing market in some areas of Chengdu, such as chaotic listing prices, driving up housing prices, and some owners' "driving up prices". In order to improve the transparency of second-hand housing information and promote rational transactions, and learn from the practices of cities such as Shenzhen, according to the Notice, Chengdu plans to establish a reference price release mechanism for second-hand housing transactions.

In addition, the following measures will be taken to further standardize second-hand housing transactions. First, strengthen the control of the listing price of second-hand houses, requiring brokers not to accept and publish the listing price significantly higher than the reasonable transaction price of the property, and social network information platforms should cooperate with technical control; Second, it is important to sort out the actual transaction prices of second-hand houses in hot areas and hot properties in advance, gradually form the regional grid reference prices of second-hand houses, and publish them regularly in official website, WeChat official accounts and "Chengdu Housing Leasing Transaction Service Platform" to guide the second-hand housing market and strengthen the management of second-hand housing transactions.

Incorporate "legal auction houses" into restricted purchases and sales.

It is worth mentioning that, recently, some illegal intermediaries used Chengdu's "legal auction house" not to be included in the scope of purchase restriction and sale restriction for malicious speculation, and the phenomenon that individual parties fabricated creditor's rights and debts disputes to obtain houses through litigation occurred from time to time, thus circumventing the purchase restriction policy in disguise.

To this end, the "Notice" requires that the acquisition of Chengdu's housing subject through litigation and arbitration according to the contract, as well as the acquisition of Chengdu's housing subject through judicial auction and sale, should comply with Chengdu's housing purchase restriction and sales restriction policies.

In the practice of judicial auction, whether the bidder meets the housing purchase restriction policy of this Municipality shall bear the corresponding consequences. Once the ruling document of judicial auction is issued, the bidder cannot transfer the ownership because it does not meet the housing purchase restriction policy of this Municipality, and must bear the legal consequences of destroying the auction. Before the implementation of this "Notice", if it has entered the bidding link of judicial auction, it will still be implemented according to the original policy.

Bringing forward houses into the management of restricted sales means that according to the Notice of the General Office of Chengdu Municipal People's Government on Further Improving the Regulation Policy of Chengdu's Real Estate Market (Cheng Ban Fa [20 18] 17No.), "newly purchased commercial houses or second-hand houses in the city can not be transferred until the property right certificate has been obtained for three years", in which the ways of "transfer" include buying, selling and giving.

At the same time, in order to further standardize the development and sales behavior of development projects obtained through judicial disposal and equity transfer, the notice stipulates: First, the transferee shall fulfill the obligations such as planning conditions, self-sustaining property, and public facilities allocation agreed in the original land transfer contract and project performance agreement; The second is to strictly implement the regulatory requirements such as purchase restriction, sales restriction and commodity housing price guidance. The supply of homestead will increase by more than 20% this year.

According to the notice, Chengdu will increase the supply of residential land. In 20021year, the total supply of residential land in the city increased by more than 20%, accounting for no less than 65% of the operating land. At the same time, the land plan for rental housing should be listed separately, and the land for affordable housing should be guaranteed.

At the same time, the commercial residential land in the central city is strictly subject to centralized announcement and centralized transfer, and a reasonable land transfer plan is formulated to resolutely curb irrational land acquisition and effectively stabilize land prices and market expectations. In addition, the qualification examination of land bidding subjects will be strengthened, and bidders who exceed the "three red lines" of real estate development enterprises and have serious dishonesty are not allowed to participate in land bidding in Chengdu.

In order to effectively prevent the risks in the real estate market and ensure the completion of the regulatory objectives of "stabilizing land prices, stabilizing housing prices and stabilizing expectations", the Notice requires that the commercial residential land in the central city should be fully sold at "price limit, quality and competitive land prices" and resolutely curb the excessive rise in housing prices. Before participating in the auction of commercial residential land, bidders should sign a letter of commitment to understand the linkage requirements of house price, land price and quality of the land to be sold and bid rationally. The letter of commitment should be included in the land transfer contract.

In terms of strengthening housing security, Chengdu will adopt both the physical security of public rental housing and monetary subsidies to realize the "full security" of urban registered housing and "double income" families. At the same time, take * * * ownership, preferential sale, etc. to fully guarantee the demand for talents to live in peace; Increase the construction of supporting housing such as rental housing in industrial functional areas, improve the long-term rental policy, promote the balance between occupation and housing, and solve the housing problems of new citizens and young people.

Adjust the differentiated housing credit policy

In terms of strict financial prudential supervision, the notice said that the Chengdu Branch of the People's Bank of China guided the study of the self-discipline mechanism of market interest rate pricing in Sichuan Province and adopted a resolution to adjust the differentiated housing credit policy in Chengdu.

Specifically, if there is no house in Chengdu under the name of a resident family and there is no housing loan record, the minimum down payment ratio is 30%; There is no record of housing loan in Chengdu under the name of the resident family, or there is 1 apartment in Chengdu under the name of the resident family, but the housing loan has been settled. The minimum down payment ratio for purchasing ordinary housing is 40%, and the minimum down payment ratio for purchasing non-ordinary housing is 50%.

At the same time, urge banking institutions to effectively strengthen the management of the use of personal loan funds, adhere to the positioning of "housing and not speculating", prevent chaos in the personal loan market, eliminate the effect of real estate regulation and control policies, and actively and steadily promote the stable and healthy development of the real estate market.

In strengthening the supervision of market order, the Notice clarifies that Chengdu will strengthen the supervision of real estate development enterprises, intermediaries, online platforms, media and individuals. Severely crack down on malicious speculation, publishing false advertisements, buying houses under various pretexts, driving up housing prices, hoarding real estate, and inducing evasion of regulatory policies. Those suspected of committing a crime shall be handed over to judicial organs for handling according to law.

In addition, in order to prevent the risk of commercial housing project shutdown and stop construction, and protect the legitimate rights and interests of buyers, the supervision of commercial housing pre-sale funds in Chengdu should strictly implement the provisions of the Measures for the Supervision of Commercial Housing Pre-sale Funds in Chengdu (Cheng Ban Fa [2020]10/0/No.), so that development enterprises, housing and construction departments and commercial banks can effectively fulfill the supervision responsibility of pre-sale funds and strictly control the payment nodes of pre-sale funds in the construction progress.

Attachment: The full text of the notice of Chengdu Leading Group Office on further promoting the stable and healthy development of the real estate market.

All relevant units:

In order to resolutely implement the decision-making arrangements of the CPC Central Committee and the State Council on "housing without speculation", promote the stable and healthy development of the real estate market in our city, continuously maintain the competitiveness of living costs, build a livable place with high quality of life, and enhance residents' sense of happiness and acquisition, relevant matters are hereby notified as follows.

First, strengthen the management of residential land supply.

1. Increase the supply of residential land. In 20021year, the total supply of residential land in the city increased by more than 20%, accounting for no less than 65% of the operating land. The land for rental housing is planned separately, and the land for affordable housing should be guaranteed.

2. Strictly implement centralized announcement and transfer of commercial residential land in the central city, rationally formulate land transfer plans, resolutely curb irrational land acquisition, and effectively stabilize land prices and market expectations.

3. Strengthen the qualification examination of land bidding subjects. Bidders who exceed the "three red lines" of real estate development enterprises and have serious dishonesty shall not participate in the land bidding in our city.

Second, deepen the linkage mechanism between housing prices and land prices.

4. The commercial residential land in the central city will be fully sold at "limited price, fixed quality and competitive price". Before participating in the auction of commercial residential land, bidders should sign a letter of commitment to understand the linkage requirements of house price, land price and quality of the land to be sold and bid rationally. The letter of commitment should be included in the land transfer contract.

Third, increase housing security.

5. Pay equal attention to the physical security of public rental housing and monetary subsidies to realize the "double hard" of urban family housing and income.

6. Take * * * ownership, preferential sale, etc. to fully guarantee the demand for talents to live in peace.

7. Increase the construction of supporting housing such as rental housing in industrial functional areas, improve the long-term rental policy, promote the balance between occupation and housing, and solve the housing problem of new citizens and young people.

Fourth, strengthen the management of housing transactions.

8. For projects where the number of registered buyers is three times or more than the number of houses for sale in the current period, the restricted period of purchased commodity houses is extended from three years to five years.

9. Obtaining the main body of housing in this Municipality according to the contract, and obtaining the main body of housing in this Municipality through judicial auction or sale shall comply with the provisions of this Municipality's policy of restricting the sale of housing.

10. The transferee of a development project obtained through judicial disposal or equity transfer shall carry out development according to the development conditions agreed in the original land transfer contract and performance agreement, and sell the house according to the regulatory requirements.

1 1. Establish a mechanism for issuing reference prices for second-hand housing transactions.

12. Strengthen the supervision of pre-sale funds to protect the legitimate rights and interests of buyers.

Verb (abbreviation for verb) Strict financial prudential supervision

13. The Chengdu Branch of the People's Bank of China guided the study of the self-discipline mechanism of market interest rate pricing in Sichuan Province and adopted a resolution to adjust the differentiated housing credit policy in Chengdu.

14. Banking financial institutions should strictly implement the management requirements of real estate loans. Strengthen the management of personal housing loans, strictly examine the authenticity of personal information of lenders, and effectively prevent consumer loans and business loans from illegally flowing into the real estate market.

Sixth, strengthen market order supervision.

15. Strengthen the supervision of real estate development enterprises, intermediaries, online platforms, media and individuals. Severely crack down on malicious speculation, publishing false advertisements, buying houses under various pretexts, driving up housing prices, hoarding real estate, and inducing evasion of regulatory policies. Those suspected of committing a crime shall be handed over to judicial organs for handling according to law.

Seven, the implementation of the main responsibility of supervision.

16. The governments of all districts (cities) and counties and relevant departments should strengthen linkage coordination and information sharing, strengthen market supervision and monitoring, publicize and guide public opinion, strengthen policy execution, and ensure that the decision-making arrangements of the municipal party committee and municipal government are in place.

This notice shall be implemented as of the date of issuance.