Is there a more authoritative interpretation of the five articles of the new country in terms of nat

According to the research interpretation of the China Index Academy:

Interpretation of the "National Five Articles" detailed rules: policy refinement and upgrading, adhere to regulation and stability expectations.

1. Background: refine the spirit of the meeting, demonstrate the determination to regulate and control, and stabilize market expectations.

On March 1, the General Office issued the "Notice on Continuing to Do a Good Job in the Regulation and Control of the Real Estate Market", which is following the February 20th Executive Meeting 2, the six major measures of the cadres to clarify the implementation standards and time nodes to the property market regulation and control again (known as the "national five" rules) shows that the first attaches great importance to adhere to the real estate regulation, and has a deep understanding of the importance and arduousness of regulation and control, highlighting the determination of regulation and control.

2. Analysis of detailed rules: upgrade the purchase and loan restrictions, strictly levy 20% individual income tax on second-hand housing transactions, and strengthen expected management.

Judging from the specific content of the detailed rules of the "National Five", the following aspects are worth paying attention to: first, the purchase restriction has been further upgraded, and the implementation standards of the unified purchase restriction have been clarified; second, differentiation has become the main theme of credit; The third is the personal income tax levied on self-owned housing in accordance with the regulations, which is strictly levied at 20% of the transfer income; Fourth, for the first time, it was clearly proposed to strengthen expectation management.

Please see the link for details.

I know the original text, and I haven't seen the interpretation.

It has an impact, this is the first time that the local government is required to formulate housing price control targets, and it is required to be released in the first quarter of this year, which is unprecedented in terms of strictness. The second-hand housing transaction tax is levied in full.

Affordable housing coverage must be expanded; The down payment for the second house is raised to 60%; Land for affordable housing will be listed separately;

Summary of the new "Eight Articles of China":

1) Each city should announce the regulation and control targets for new housing in the first quarter;

2) Gradually expand the coverage of the housing security system and increase public rental housing**;

3) If an individual purchases a house that changes hands for less than 5 years, the business tax shall be levied on the full amount of the sales proceeds;

4) The proportion of down payment for the purchase of a second house shall not be less than 60%;

5) In principle, the land supply for commercial housing this year shall not be less than the average annual amount of the previous two years; (6) Families with more than two sets of housing in major cities are not allowed to purchase houses locally; (7) Implement the accountability mechanism for housing security and housing price stabilization; (8) Guide residents to consume rationally based on national conditions.

What is this and that frame, or the loan interest rate is raised, in short, the real ordinary people, if they want to really buy the house they live in, it is still difficult! Difficult! Why can't the state completely solve the problem of those who have no housing by lowering the down payment and the interest rate on loans for those who buy their first home?

Alas! Earn your money hard!

1. Attaching great importance to stable housing**; Second, earnestly take the responsibility of stabilizing housing: housing prices have been raised to a political level, the establishment of a first-class responsibility system, the province is responsible for the overall responsibility, the housing is too fast, the control is not effective, and the relevant responsible persons should be held accountable; 3. Vigorously adjust the structure of housing, adjust the structure of land use, increase the land for ordinary commercial housing and economic housing, and supervise the construction; 4. Strictly control the demand for passive housing, mainly to control the number of demolitions; 5. Correctly guide residents' reasonable consumption needs; 6. Comprehensively monitor the operation of the real estate market; 7. Actively implement various policies and measures to regulate housing supply and demand; 8. Conscientiously organize the supervision and inspection of the work of stabilizing housing.

Don't care about the content, if you want to buy a house, just prepare more money. Originally, if you want 500,000 yuan to buy a house, now it is enough to prepare more money, it is estimated that it is about 600,000 yuan!

The specific contents of the "Five Articles of the New Country" are as follows:

1. All localities should increase the intensity of macroeconomic regulation and control of the property market. Immediately study and formulate detailed rules for the implementation of the "National Ten Articles" document. Cities where housing prices are too high, too fast, and tight should limit the number of houses purchased by households within a certain period of time. Strict accountability.

2. Improve differentiated housing credit policies. All commercial banks have suspended the issuance of housing loans for the third and above units; Suspension of housing loans for non-local residents. For loans to purchase commercial housing, the down payment ratio is adjusted to 30% or more; For families who take out loans to purchase a second home, the regulations on the proportion of down payment not less than 50% and the loan interest rate not less than multiple of the benchmark interest rate shall be strictly enforced.

All commercial banks should strengthen the management of consumer loans and prohibit them from being used for the purchase of housing.

3. Adjust the preferential policies of deed tax and individual income tax in housing transactions. Accelerate the pilot work of real estate tax reform, and gradually expand it to the whole country.

4. Effectively increase the effective supply of housing. In cities where housing prices are too fast, it is necessary to increase the total amount of residential land. Conscientiously implement preferential tax policies to support the construction of public rental housing.

Encourage financial institutions to support the construction of affordable housing projects, and pay close attention to formulating medium- and long-term loan policies to support the construction of public rental housing.

5. Intensify the inspection of the housing transaction market, and investigate and punish the behavior of brokerage institutions such as speculation and speculation, price gouging, and instigating customers to sign "yin and yang contracts" in accordance with the law. For real estate development enterprises to idle land, change the use and nature of land, delay the start of construction, cover up the sale and other violations of laws and regulations, to suspend the issuance of **, corporate bonds and new purchase of land.

The 5 articles of the country are the concretization and improvement of the 10 articles of the country, and as far as the first-tier cities are concerned, the strength is not very large, and the effect is not very obvious.

The new "National Eight Articles":

1. Strengthen planning and control, and improve the structure of commercial housing;

2. Intensify the regulation and control of land and strictly manage land;

3. Strengthen the regulation and control of ordinary commercial housing and affordable housing, and ensure the effectiveness of low- and medium-priced, small and medium-sized housing;

Fourth, improve the urban low-rent housing system to ensure the basic housing needs of the lowest-income families;

Fifth, the use of taxation and other economic means to regulate and control the real estate market, especially to increase the intensity of regulation of real estate transactions;

6. Strengthen financial supervision;

7. Earnestly rectify and regulate market order;

8. Strengthen market monitoring and improve the market information disclosure system.

Generally speaking, the new country's eight measures are not only macroeconomic regulation and control, but also quite tough.

But there are also some things that are more difficult to achieve.

There are policies and countermeasures.

But for developing China.

It did its best!

The country's eight rules are very tough, restricting the purchase of houses, and those in the first-tier cities can only own two suites if they have a hukou in the city, and those from other places can only own one set.

Categories: Life >> Buying a house.

Analysis: On May 17, the Prime Minister presided over an executive meeting to study measures to promote the healthy development of the real estate industry, and put forward six measures for the current problems in the domestic real estate market.

The specific measures of the "National Six Articles" include:

1.Earnestly adjust the structure of housing ** and sensitive. The focus is on the development of low- and medium-priced, small and medium-sized ordinary commercial housing, affordable housing and low-rent housing.

2.We should give further play to the regulatory role of taxation, credit, and land policies. Strictly implement policies related to housing development and sales, improve tax policies for housing transfers, and guide and regulate housing demand.

Scientifically determine the scale of land for real estate development, strengthen land use supervision, and stop land hoarding.

3.Reasonably control the scale and progress of urban housing demolition, and slow down the excessive growth of passive housing demand.

4.Step by step to rectify and standardize the order of the real estate market. Unauthorized changes to projects, illegal transactions, hoarding** and price gouging are prohibited.

5.We should speed up the building of a low-rent housing system in cities and towns, standardize the development of affordable housing, actively develop the secondary housing market and the rental market, and solve the housing difficulties of low-income families step by step.

6.Improve the real estate statistics and information disclosure system.

Beijing's National Five Rules:

The Beijing rules for real estate regulation and control will be released on the afternoon of March 30, 2013, and will be officially implemented on March 31. It is stipulated that from March 31, the five detailed rules of Beijing prohibit Beijing singles from buying second suites; Individual income tax is levied strictly at 20% of the income from the transfer of housing by individuals, and the only housing for more than five years is exempted from individual income tax; further increase the proportion of down payment for second home loans; The old and new policies are subject to the time of online signing of the sales contract.

Beijing's implementation of the "National Five" implementation rules for real estate regulation and control was issued on the 30th, stipulating that from the next day, adult singles with Beijing nationality are prohibited from buying second houses, and the individual income tax is strictly levied according to 20% of the income from the transfer of housing by individuals, and the down payment ratio of commercial loans for second homes is further increased; Families who have obtained the qualification to buy a house by various means will bear the corresponding economic and legal responsibilities, and will not be allowed to apply for a real estate certificate and will not be allowed to buy a house in Beijing for 5 years.

The national five articles are launched again after the previous national n articles, take the national five articles as an example: it is not so much a heavy blow to housing prices, but a heavy blow to the second-hand housing transaction to earn heavy taxes and rob money.

Mainly in the following aspects:

1. Background: In the previous stage, the new commercial housing because of the local GDP and face needs, coupled with the developer's profit-seeking, in the context of sharp inflation and currency depreciation, the internal and external reasons for new house buying and replacement of large houses and investment value preservation, multiple needs and the environment, housing prices have risen too fast, and the state has successively introduced many policies to strive to make housing prices rise slowly, so as to avoid too fast and cause the people to feel too obvious and violent reaction. A number of policies and negative news released from time to time have played a certain role, but the result is that housing prices are still rising slowly to an unprecedented height, which ordinary people cannot afford, thus falling into the backlog of a large number of new houses, which may cause the bubble to burst, the local unsalable**, and the locality, developers and buyers into a greater panic and chaos.

2. Many first-time home buyers and replacement needs have given up the developer's new house and chosen the affordable second-hand housing market, making the unsalable new house more obvious, which is a situation that both local Zhengfu and developers do not want to see.

3. The core and key of the five articles of the new country is to provide for a huge tax of 20% for second-hand housing transactions. There are all kinds of indications that this is not aimed at the entire real estate market, but only a heavy blow to second-hand housing transactions.

First of all, I would like to explain the five articles of the new country, in general, the main purpose of the new policy is to curb "investment demand", including the expansion of the scope of purchase restrictions, the strictness of transaction links, and the emphasis on the interest rate of second home loans.

Now everyone is breaking the 20% transaction tax, which is learning from Singapore and Germany, whether it is combined with its own market, I dare not say nonsense. Everyone's direct sense is that the second-hand house will rise, and the seller needs to bear 20% of the buyer's responsibility, and the house price will rise. Therefore, the price increase trend of second-hand housing is clear.

In addition, the second-hand housing has risen, the new commercial housing will not rise, yes, not to mention the second-hand housing, taking Beijing as an example, the average premium rate of residential land in the current open land market is 41%, the land price has been rising, the cost of land acquisition by developers has increased, and the cost of construction and installation has also remained high. Therefore, the new market will also rise.

Do you want to say that it will fall? All I can say is that if you want to buy a house, and the property was more than you could afford before, and now it has dropped to your expectations, will you sell? Maybe you will wait and see, just like in the first half of 2012, many people were waiting, waiting, and finally regretting that they were late.

To be honest, now that everyone is basically out of control of the real estate market, it really needs to be regulated, whether it is useful or not, you have to take care of it.

Maybe the real measure is the construction of affordable housing, as well as the rationality of the distribution system, to meet the survival requirements of just need, now just need is a strong purchasing power, they don't want to spend ** buy, but just need, get married, children, parents. There is no way, and becoming a house slave is also a helpless move. Guaranteeing this demand, will it reduce a lot of helpless choices.

At present, this cycle is very long, taking more than 10 years. There are a lot of problems, don't get too entangled, don't daydream, shoot when it's time to shoot, don't hesitate, pin your hopes on others, it's really better to be stronger. Purely personal opinion, don't spray if you don't like it.

Your topic is too heavy and too big to explain in a few hundred words! As for whether house prices will fall because of this, I don't think it's possible! The only possibility is that the state changes the conditions for land bidding, auction and listing, and changes the current high price to the high price and low price, or the state sets the land auction **, and the low price is awarded!

This is the fundamental measure that really wants to reduce housing prices. Otherwise, the sound of the waves is still the same!

A man took the train into the sleeper car, met a woman knocked on the door, turned around and locked the door, then unbuttoned his shirt, messed up his hair and said: Give me 5,000 yuan, otherwise I will sue you for indecent conduct! The man took a piece of paper and wrote a sentence:

I'm deaf and dumb, what are you going to do? The woman wrote down the words on a piece of paper, and the man said, "You can go!"

The woman left without a word. If you don't be surprised, you can deal with it freely, and the same is true for the country's five articles!

Personally, I think that whether it is the current "National Five Articles" or the policies in recent years, it is not to reduce housing prices, but to promote transactions and dilute the real estate bubble. When a housing bubble bursts because of some uncertaintie, there is no turmoil.

In fact, it is easy to reduce housing prices, as long as there is a property tax is enough, many families sitting on tens of millions of properties may not be able to afford 1% property tax.

In recent years, the unit price of the elevator apartment is less than 1,300 per square meter, so the house price is still very flexible. . .