The state has issued a new policy on real estate

I saw that after the introduction of the new real estate policy, there has been a change in the market for the first policy for the first time. At first, it was said that the policy was not strong enough, and I was worried that it would be wasted halfway. Now it seems that everyone suddenly realized that especially after the May Day in the past few days, there are zero transactions of new real estate in many places.

Reading the newspaper said that the mainland property market is cooling rapidly, Beijing, Shanghai and Shenzhen have become the hardest hit areas, and the regulation and control are effective, and the industry is expected to be difficult to recover before 2012. I think it's coming more than expected. Why is this happening, in fact, this reason is very simple, he is no longer an economic problem, he has turned it into a political problem, that is, he must get it down, so he will keep making moves, keep making moves, and finally he must get it down, and for **, he doesn't have to keep eight like the year before last, so he won't say that even if some policies are introduced, or even if there is an inflection point, he can't manage it, but now it's different, now housing prices are rising faster than per capita GDP, Everyone can't afford to buy a house, they have to live in a snail's house, so now we will provide them with it, which is also a big structural inflection point, that is, especially at all levels, local governments will provide a large number of affordable housing, price-limited housing, public rental housing, no matter what the name is, it is provided by **.

Because although real estate is a pillar industry, after you hit it, what to do with the steel, cement, construction, decoration, etc. involved, a large part of it may be replaced by the investment of the first class and the public housing market, so the pulling effect of the whole real estate on the economy will not decline with the decline of commercial housing and the emergence of the inflection point.

Speculation is not larger than the size of the place, and the location of general speculation is advantageous1Either the economy is very developed there2Either there is a tourist city 3

It is the environment, now many people buy houses, they are mainly afraid that the house price will rise again, just like my current location in Sanya, the house price here has been going up, now around 20,000 here, the probability of the house price falling is very small, so people will buy a house in the early stage of the house price, like the house price is lowered, unless it is some relevant policies of the state, but there is still a large part of the place will not be affected.

There will be some small impact on the first-tier cities, but it won't be too big, because rigid demand is inevitable and will have no impact on the second- and third-tier cities.

Legal analysis: The real estate policies that have been promulgated in the past two years include: 1. Real estate registration refers to the fact that upon the application of the right holder or interested party, the relevant real estate rights and their changes are recorded in the real estate register by the full-time state department.

Decree has been signed: The "Interim Regulations on Real Estate Registration" came into force on March 1, 2015. 2. The real estate tax law is officially included in China's legislative plan, and the real estate tax is a kind of property tax levied on the property owner based on the taxable residual value or rental income of the house.

On August 5, 2015, there was a new trend in real estate tax, and the newly adjusted legislative plan of the Standing Committee of the 12th National People's Congress was announced to the public, including the real estate tax law, and 34 legislative tasks were unveiled, which means that the real estate tax law that has attracted much attention has officially entered the legislative plan of the National People's Congress.

Legal basis: Real Estate Management Law of the People's Republic of China

Article 60: The State implements a system of registration and issuance of certificates for land use rights and housing ownership.

Article 61 To obtain land use rights by way of transfer or allocation, an application for registration shall be made to the local people's land management department at or above the county level, and the land use right certificate shall be issued by the people at the same level after verification by the local people's land management department at or above the county level. If a house is built on the land for real estate development obtained in accordance with the law, it shall apply for registration with the local people's real estate management department at or above the county level with the land use right certificate, and the local people's real estate management department at or above the county level shall verify and issue a house ownership certificate. When real estate is transferred or changed, it shall apply to the local people's ** real estate management department at or above the county level for registration of real estate change, and apply to the people's ** land management department at the same level for registration of change of land use right with the changed house ownership certificate, and the people's ** land management department at the same level shall replace or change the land use right certificate after verification by the people's ** land management department at the same level.

Where the law provides otherwise, it is to be handled in accordance with the provisions of the relevant laws.

1. Special deduction of mortgage interest. Buyers who purchase their first house can enjoy a special additional deduction for housing loan interest, which is deducted according to the standard fixed amount of 1,000 yuan per month, and the deduction period is not more than 240 months.

2. Mortgage interest rates have been lowered. If the buyer does not own a home in his or her name, the interest rate can be lowered.

3. High subsidies for talents to buy houses. Most cities are striving for talents, there are some subsidy policies for talents to buy houses, some cities have a maximum subsidy of five million for high-end talents, you can check the local policies before buying a house, and the actual regulations of the city shall prevail.

4. Large-scale entry into the market of co-ownership housing and various types of affordable housing. Individuals and the state each account for 50% of the property rights of co-ownership housing, and individuals only need to pay half of the ** of commercial housing, which is equivalent to reducing the cost of buying a house by half.

Personally, I think so. 2022 is a good year to buy a house. Because in 2021, due to changes in the relationship between supply and demand, the living space for house speculation is getting smaller and smaller, and house speculators who can't see the hope of housing prices will start to scale up real estate, resulting in the continuous release of second-hand properties in the market.

As speculators gradually withdraw from the property market, there will be a serious oversupply in the real estate industry in the future, and the property market will enter a buyer's market.

For the real estate market in 2022, the central bank has made it clear that it is necessary to implement a prudential management system for real estate finance to better meet the reasonable housing needs of home buyers. Coincidentally, the Ministry of Housing and Urban-Rural Development has also made clear adjustments: to ensure the demand for rigid housing, meet the reasonable demand for improved housing, and strive to stabilize land prices, housing prices, and expectations.

2. Select city services;

3. Click on social security payment;

4. Select medical insurance payment to enter;

5. In the query interface, select "Personal Information Binding" and fill in the personal social security information as required;

6. After binding personal information, return to the upper interface, select the "Social Security Inquiry" function, and enter the social security inquiry interface;

7. In the query interface, enter the start and end time to be queried, and then confirm, you can see the purchase of five insurances, the purchase amount and the payment of units and individuals in the query results.

Medical insurance has the basic characteristics of social insurance, such as compulsory, mutual aid and sociality.

Legal basis

Social Insurance Law of the People's Republic of China

Article 74: Relevant units and individuals shall promptly and truthfully provide data required for social insurance work obtained by social insurance handling bodies through business handling, statistics, and investigations.

The social insurance agency shall establish archives for the employer in a timely manner, record the social insurance data such as the persons participating in the social insurance and the payment of premiums in a complete and accurate manner, and properly keep the original vouchers for registration and declaration and the accounting vouchers for payment and settlement.

The social insurance agency shall timely, completely, and accurately record the personal rights and interests records such as the contributions made by individuals participating in social insurance, the contributions made by employers, and the enjoyment of social insurance benefits, and periodically send the individual rights and interests records to the person free of charge.

Employers and individuals may, free of charge, inquire and check the records of their contributions and social insurance benefits from the social insurance agencies, and request the social insurance agencies to provide social insurance consultation and other related services. Article 4.

Employers and individuals within the territory of the People's Republic of China who pay social insurance premiums in accordance with the law have the right to inquire about payment records and records of individual rights and interests, and to request social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits in accordance with the law, and have the right to supervise their own units' contributions for them.

After the expiration of the 70-year title, the house belongs to the owner of the house.

The 70-year expiration of the house is the 70-year land use right term of the commercial house, and the land use right is one of the components of the house property right. According to the relevant laws of the People's Republic of China, the maximum term of residential land is 70 years. However, after the expiration of 70 years, the house will not be repossessed, and the property right on the land use certificate will be automatically renewed after the expiration of the property.

The details are as follows:

1. The ownership of the house is permanent and there is no time limit;

2. The land use right has a time limit, because the land belongs to the state, and the state grants the land user the right to use the land for different years (70 years for residential, 50 years for industry, science, education, culture, health and sports, and 40 years for commerce, tourism, and entertainment).

The property rights over 70 years are treated as follows:

1. If the right to use land for residential construction expires, it shall be automatically renewed. It is also very likely that no retroactive fee will be required. The renewal of the right to use land for non-residential construction after the expiration shall be handled in accordance with the provisions of law.

Renewal** may be in accordance with the prevailing floor guidelines**. However, the residential property can be automatically renewed after expiration.

2. Pay taxes and fees.

Industry insiders expect that in 70 years or in the next ten years, the state will introduce laws to clarify the property rights of houses, but taxes must be paid, depending on the size of the house.

3. The state recovers and enjoys policy compensation.

If the right to use construction land expires and it needs to be recovered in accordance with the public interest, compensation shall be given to the houses and other immovable properties on the land.

The land occupied by the house is generally residential land, and according to the provisions of Chinese law, the maximum use period of such land is 70 years. It also means that there will be an expiration day, as for what will be done after the expiration, the current state regulations are still to pay the land transfer fee. However, the ownership of the house is perpetual and there is no expiration of the term.

Legal basisArticle 22 of the Interim Regulations of the People's Republic of China on the Assignment and Transfer of Urban State-owned Land Use Rights.

The service life of the land use right obtained by the land user through transfer shall be the remaining service life after the service life stipulated in the land use right transfer contract minus the service life of the original land user.

Here are the new real estate policies:

1. Business tax: Individuals who transfer housing for more than two years can be exempted from paying business tax. Individuals who purchase a home for outside sales that are less than two years old will pay full sales tax.

2. Down payment ratio: The down payment ratio of second-hand housing loans is reduced to 40. The Ministry of Urban-Rural Development and the China Banking Regulatory Commission jointly issued a notice to adjust the minimum down payment ratio for individual households purchasing a second home to more than 40.

1. Strict review: In the process of project approval, it is necessary to obey the overall planning and regional planning of the city, fully respect the opinions of the planning department, and strictly review the bids and contracts.

2. Reasonable planning: conscientiously do a good job in the planning of each project, from market research, investment project, land acquisition, demolition, commissioned design, commissioned construction, to the completion and delivery of the whole process should be carefully and carefully planned, so as to strategize and win thousands of miles in accordance with the results of the plan, prepare a quality plan to guide the implementation of project development and construction, and ensure that the quality indicators, construction cycle and cost of project development and construction are reasonable.

Legal analysis: 1. Policy motivations: (1) to curb speculation and investment purchases (2) to maintain the steady growth of housing prices, rather than to stop growth. (This point can be made clear from the statement of **) if ** really wants the house price to fall, then directly introduce the property ownership tax.

2. The premise of the policy launch: (1) China's GDP target in 2010 is to ensure 8 into 9(2) The contribution of real estate in the first quarter has reached the semi-annual contribution rate. (3) The industrial economy must attract investment back.

3. The impact of the policy after its launch: (1) The introduction of the new deal period will inevitably make the market enter a state of suspension, that is, the beginning of the stagflation wait-and-see period. (2) People's uncertainty about the future trend of the real estate market affects their enthusiasm for buying houses.

3) The threshold for the amount of capital has been raised, resulting in a decrease in speculation and investment in house purchases. (4) The decrease in non-local home purchase will inevitably lead to an increase in the demand for local housing in areas with private capital.

Legal basis: Article 5 of the Law of the People's Republic of China on the Administration of Urban Real Estate The owner of real estate rights shall abide by the laws and administrative regulations and pay taxes in accordance with the law. The legitimate rights and interests of real estate rights holders are protected by law and may not be infringed upon by any unit or individual.