Luzhou, Sichuan: It is proposed to implement the same maximum loan amount for the first and second housing provident fund loans

On October 13, the Housing and Urban Rural Development Bureau of Luzhou City, Sichuan Province issued the draft of Several Measures to Promote the Steady and Healthy Development of the Real Estate Market (Trial).

The Draft for Comments mentioned in terms of optimizing the conditions for land transfer that real estate development enterprises can apply for simultaneous issuance of the Planning License for Construction Land when signing the Contract for Transfer of the Use Right of State owned Construction Land. For newly transferred development and construction land, the bid bond shall be 20% of the starting price, and 50% of the land transfer price shall be paid within one month after signing the transfer contract; The balance can be paid in installments as agreed in the contract, and the maximum payment period shall not exceed one year. Reasonably determine the starting price for auction of development and construction land and the area of land to be sold, and support the transfer of small areas of land in accordance with laws and regulations under the premise of meeting the planning, so as to reduce the pressure on enterprises' funds. For newly transferred development and construction land with an area of more than 100 mu, the enterprise has paid the price according to the land transfer contract, and there is no violation of the contract, under the conditions of separate planning and construction, it can apply for registration of the right to use construction land by parcel.

In terms of implementing preferential tax policies, if there are special difficulties in paying taxes on time, the enterprise shall apply for an extension of tax payment according to law, which shall not exceed three months. For the overdue tax and overdue fine payable by real estate development enterprises, they can pay the overdue tax first, and then pay the overdue fine according to law. The gross tax rate of real estate development enterprises for sales of unfinished development products is adjusted to 15%. For enterprises successfully applying for urban landscaping and ecological community construction, if they meet the preferential tax policy of the Western Development, the enterprise income tax will be levied at a reduced rate of 15%. From October 1, 2022 to December 31, 2025, taxpayers who sell their own houses in Luzhou and buy houses again within one year after the sale of the existing houses in Luzhou can enjoy tax rebate for the individual income tax paid on the sale of the existing houses.

In addition, the Draft also mentioned the need for financial credit support. We will implement a long-term mechanism for dynamic adjustment of the interest rate policy on individual housing loans for newly issued first homes, and lower the lower limit of the interest rate on commercial loans for newly issued first homes. Adjust the interest rate of the first individual housing loan in stock in an orderly manner according to law. For families who have settled the housing loan, the first set of policies shall be implemented to purchase ordinary commercial housing again and apply for commercial personal housing loans, so as to meet the demand for rigid and improved housing to the greatest extent.

In terms of adjusting the provident fund loan policy, it is necessary to optimize the identification standard of the number of housing units loaned by provident fund, and implement the policy of "recognizing loans rather than houses"; The maximum loan limit for the first and second housing units is the same. Both the husband and wife pay the housing provident fund in full in succession and purchase the same ordinary self owned housing with a loan, and the maximum loan limit is 600000 yuan; Unilateral continuous full payment of housing provident fund, with a maximum loan of 500000 yuan. The housing provident fund loan will be issued after the development project obtains the pre-sale permit of commercial housing and the construction image progress of the corresponding building site reaches 1/3. The maximum amount of housing provident fund loans applied by families who have given birth to two or three children in line with the national fertility policy will be increased by 100000 yuan.

In addition, from January 1, 2024 to February 29, 2024, for active servicemen, ex servicemen, rural residents of Luzhou City, non residents of Luzhou City, college graduates (including junior college students and undergraduates) who have less than five years of graduation, and families who have had two or three children according to the national fertility policy, to purchase the first or second new commercial housing within the scope of construction land in the central urban area, A one-time house purchase subsidy will be given at 2% of the total house purchase amount. The same newly built commercial housing can only enjoy a housing purchase subsidy once, and the subsidy fund shall be borne according to the urban tax sharing ratio.

In terms of canceling mortgage loan deposits, in principle, commercial mortgage loan deposits will not be collected for the supervision projects that have signed the supervision agreement on pre-sale funds of commercial housing.

key word: housing Luzhou City land use accumulation fund