Shanghai property market new deal: purchasing commodity houses for at least 3 years to sell | | property _ the new deal news

Shanghai Municipal Government press conference yesterday at 10 o'clock in the morning held, released has on further perfect this city housing market system and guarantees system promote real estate market smooth health development of several views (following referred to several views), which limited purchased and credit policy upgrade became this round regulation of "weapon": non-this city household residents family purchase needed continuous paid a tax and the social security years from 2 years into 5 years; from tight implemented difference of housing credit policy, on has 1 sets housing of residents family, purchase non-General since housing of And down-payment not less than 70% ... ...

Morning news reporters Xie 竲 Lin Jinyu SEO Yeon Delphi Li

　　[Non-residence in this city]

Purchase subject to tax of social insurance for 5 years

The opinions called for strict implementation of the housing restriction policy, non-residents of the city home buyers pay personal income tax and social security age, calculated from the date of purchase within the first 3 years of cumulative paid in this city for more than 2 years, adjusting for home buyers pay for 5 years in a row before the date above.

Which affected a part of the continuous payment of income tax, social security is in between 2-5 and plans of buyers. Can pay taxes and social security to 5 years? In this regard, the housing and urban-rural construction and Management Committee Director Gu Jinshan, Shanghai, said policy is paid at least 5 consecutive years since date of purchase or more, largely by relevant information recorded in the social management Department to check for, and pay is not in line with policy.

Gu Jinshan said that extending the issue of restriction of age, mainly on account of Shanghai's housing development is continuing to live, people-oriented, mostly ordinary commodity housing. This is according to the national real estate market as a result of town planning management requirements, four cities, according to the actual situation, especially in mega-cities, considering the population, transport, planning and environmental management requirements, as well as factors such as the sustainable development of real estate market, town planning management. From the reality of Shanghai, this strengthens real estate regulation, within 3 years of the original today in this city to pay for more than 2 years, adjusting for continuous paid more than 5 years from the date of purchase, at least 5 years, 5 years ' residence and stable employment. In this city there is a legal and stable permanent population difficult to stage housing, in particular youth workers, talents and other "new Shanghai" will speed up the construction of multi-level, wide coverage of the housing supply system, mainly through the public rental housing to solve their housing problems in the transition period.

　　[Enterprise purchase housing]

Once again required the listing for 3 years

The opinions provided that enterprises purchasing commodity houses traded again, needed for 3 years and above, if the transaction object is an individual, restriction of policy implementation, according to the city. Meanwhile, to further standardize trading, restriction of audit will lead to a transaction record link. For these two policies had some restriction of population policy through loopholes in real situation of violation.

It is reported that Shanghai has some restriction of population through a variety of methods to avoid the purchase: such as one-time payment methods reached an agreement with real estate companies, just sign a contract and not go to handle the title deed registration, as house prices rise, when they changed hands when selling a House, just contract changed its name in real estate enterprises. Others registered company certificate of registration formalities in the form of company to buy a House.

　　[Second homes found]

Adhere to the "recognition, and deny loan" principle

Several opinions stressed tight implement differentiated housing loan policy, strengthen the management of individual housing loans. For households with 1 housing, to improve the living conditions for personal commercial housing loan to buy a normal home again, down-payment not less than 50%; purchase of ordinary housing, down-payment not less than 70%

In explaining the real estate credit policies, municipal councils stressed will adhere to the "recognition denied credit" principle, strictly implement differentiated housing credit policies. Where the current query in the real estate transaction system to have 1 homes, regardless of their credit history, regardless of whether their mortgage settlement, are the implementation of differentiated credit policy, that is, buying a second general housing, down-payment not less than 50%; purchase of ordinary housing, down-payment not less than 70%. There are no houses, or to carry out the first suite of policies.

The opinions also provided that buyers also should commit themselves to the first payment when applying for loans to its own funds, breach of promise as credit information within the city's public information service platform. Previously, some buyers applying for a loan down payment or even consuming way to cobble together a down payment loans, leveraged buying extended the financial risk, if adjustment of the property market are prone to bad debts.

　　[When the new deal]

Come into operation with immediate effect, the nets signed shall prevail

It is learnt that the opinions have executive meeting consideration and adoption of the municipal government, from now on publish implementation.

Many real estate transactions what node? Gu Jinshan said that from now on, check whichever is based on net. Due to the large volume the day before yesterday, especially in afternoon deals are more concentrated, causing poor operation of newly-built commercial housing contract system, urgent measures have been taken, the original end at 21 o'clock check time to adjust the network extended to 24 o'clock.

The day before yesterday, Shanghai property transaction sudden peaks. Online real estate transactions data from Shanghai, March 24, at 19 o'clock, sluggish trading volume in Shanghai exceeded 1100, 9:08, has more than 1360, check system failure led to net. Since March this year, Shanghai daily average trading of 533, compared to 170 for the same period last year.

Responsible editor: Mao Minmin SN184

Article keywords:
New deal housing

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上海楼市新政：企业购商品住房至少满3年才能卖|新政|楼市_新闻资讯

　　上海市政府新闻发布会昨天上午10点举行，发布了《关于进一步完善本市住房市场体系和保障体系　促进房地产市场平稳健康发展的若干意见》（以下简称《若干 意见》），其中限购和信贷政策升级成为本轮调控的“利器”：非本市户籍居民家庭购房需连续缴纳个税及社保年限从2年变为5年；从紧实行差别化住房信贷政 策，对拥有1套住房的居民家庭，购买非普通自住房的，首付款比例不低于70%……

　　晨报记者　林劲榆　徐妍斐　谢　竲　李晓明

　　[非本市户籍]

　　购房需缴税缴社保满5年

　　《若干意见》　要求从严执行住房限购政策，非本市户籍居民家庭购房缴纳个人所得税和社保的年限，从自购房之日起计算的前3年内在本市累计缴纳2年以上，调整为自购房之日前连续缴纳满5年及以上。

　　这项规定影响了部分连续缴纳个税、社保处在2-5年间的计划购房者。能不能把个税和社保补缴到5年？对此，上海市住房城乡建设管理委主任顾金山表示，政策规定是自购房之日前连续缴纳满5年及以上，主要是由相关社会管理部门查录信息为准，补缴行为不符合政策。

　　顾金山表示，对于延长限购年限的问题，主要是考虑上海的住房发展原则，是坚持以居住为主、以市民为主、以普通商品住房为主。这次是根据中央对全国房地产 市场因城施策的管理要求，四个一线城市要根据实际情况，尤其是特大型城市当中，综合考虑人口、交通、规划、环境管理等要求，以及房地产市场本身的可持续发 展等方面因素，因城施策进行管理。从上海实际出发，这次加强了房地产调控力度，将原来前3年内在本市累计缴纳2年以上，调整为自购房之日起连续缴纳5年以 上，最起码5年居住、5年稳定就业。对于在本市有合法稳定工作常住人口的阶段性住房困难，特别是青年职工、引进人才等“新上海人”，将加快构建多层次、全 覆盖的住房供应体系，主要是通过公共租赁住房等来解决他们在过渡阶段的住房困难问题。

　　[企业购商品住房]

　　再次上市交易需满3年

　　《若干意见》规定，企业购买的商品住房再次上市交易，需满3年及以上，若其交易对象为个人，按照本市限购政策执行。同时，为进一步规范交易行为，限购审核将前置至交易备案环节。这两项政策针对此前一些限购人群通过政策漏洞违规炒房的情况。

　　据悉，此前沪上有一些限购人群通过种种方法规避限购：如一次性付款等方法与房企达成协议，只签合同而不去办理房产证登记，随着房价上涨，当他们转手卖房时，只需在房企进行合同更名。还有的人注册公司，以公司买房的形式办理房产证登记手续。

　　[二套房认定]

　　坚持“认房不认贷”原则

　　《若干意见》强调从紧实行差别化住房信贷政策，加强个人住房贷款管理。对拥有1套住房的居民家庭，为改善居住条件再次申请商业性个人住房贷款购买普通自住房的，首付款比例不低于50%；购买非普通自住房的，首付款比例不低于70%

　　在解释有关房地产信贷政策时，市住建委负责人强调将坚持“认房不认贷”原则，严格实施差别化住房信贷政策。凡目前在房地产交易系统内查询到已拥有1套住 房的，无论其是否有贷款记录、无论其住房贷款是否结清，均执行差别化信贷政策，即购买第二套普通自住房的，首付款比例不低于50%；购买非普通自住房的， 首付款比例不低于70%。目前没有住房的，还是实行首套房政策。

　　《若干意见》还规定，购房人在申请贷款时还应承诺首付款为自有资金，违反承诺则作为失信行为信息纳入本市公共信用信息服务平台。此前，部分购房者通过申请首付贷甚至消费贷的方式来凑足首付款，杠杆买房扩大了金融风险，一旦遭遇楼市调整容易产生坏账。

　　[新政何时实施]

　　即日起实施，以网签为准

　　据悉，《若干意见》已经市政府常务会议审议通过，从即日起发布实施。

　　很多正在进行的房产交易以何为节点？顾金山表示，从即日起，就是以网签时间为准。由于前天交易量较大，特别是下午交易比较集中，造成新建商品房合同备案系统运行不畅，有关方面立即采取了措施，将原21时结束的网签时间调整延长至24时。

　　前天，上海房产交易突然出现高峰。来自上海网上房地产的交易数据，3月24日19点，上海一手房成交量突破了1100套，到晚上9：08，已经超过1360套，一度导致网签系统发生故障。而今年3月以来，上海日均交易533套，而去年同期为170套。

责任编辑：茅敏敏 SN184

文章关键词：
新政 楼市

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