What are the latest policies on real estate? 10

What is the report about?

With the development of China's economy, the construction industry is also hot, and today's current housing prices are also constantly changing, so the real estate policy is constantly changing every year, but the people who need to buy a house are still in a steady stream, and usually the people who consider buying a house will understand the real estate policy in advance, and also know what the steps of real estate evaluation are, etc., to do it in mind, in order to buy a house with confidence. Next, I will introduce to you what is the latest real estate policy?

1. Xu Shaoshi, director of the first and second tier cities, said that the current housing prices in first- and second-tier cities are faster and larger, and it is necessary to increase the supply of housing by accelerating the construction of housing and shantytown reform, and taking administrative measures such as purchase restrictions and economic policies to curb unreasonable speculative demand and limit housing prices too fast.

2. As the capital, Beijing's housing prices have attracted much attention, and Beijing, which has the strictest purchase restriction policy, has affected the nerves of the property market. Li Shixiang, executive vice mayor of Beijing, replied that Beijing will strictly implement the policy of restricting purchases, especially those in Tongzhou, and at the same time, it will also control real estate development and investment based on the strategy of depopulation depopulation.

3. The purchase restriction policy in various places has made a new policy explanation on the purchase conditions, payment ratio, loans and other issues of the first and second-hand houses. The introduction of the purchase restriction policy in 2016 can cool down the property market? In any case, from the speculation of Hangzhou's first-tier cities to the high price of 880,000 yuan in Shenzhen's "pigeon cage house", the introduction of the 2016 property market purchase restriction policy is still difficult to fundamentally reduce the huge real estate market.

1. Preferential tax policies, the Ministry of Finance, the State Administration of Taxation, and the Ministry of Housing and Urban-Rural Development jointly issued a notice to adjust the preferential policies for deed tax and business tax in real estate transactions from February 22.

2. Encourage both rental and sales, and the relevant departments will give subsidy policies to encourage institutional investors to become the best in the rental market, so as to reduce inventory.

3. The new policy for residence permits, the threshold for applying for a residence permit is lowered, and as long as you have lived in the place of business for half a year (in some areas), you can get a residence permit. The residence permit card should provide benefits for the applicant's employment, social security, points settlement and provident fund, etc., and it will be easier to settle down and buy a house in the future.

4. Adjust the interest rate of provident fund loans, the central bank continued to cut interest rates 5 times in 2015, and the pressure on home buyers to buy houses is really small. If buyers buy a house in Beijing, they can save hundreds of thousands of interest. Some homebuyers who carry the burden of house slavery can reduce a lot of the pressure to repay their loans.

Currently, the interest rate for CPF loans with a maturity of less than five years is; The interest rate for CPF loans with a maturity of more than five years is.

5. There are subsidies for farmers to buy houses, and in order to remove real estate inventory, migrant workers are encouraged to buy houses in the city. At present, various localities have also stepped up their efforts to introduce various subsidy policies for migrant workers to buy houses in the city. Henan was the first to introduce a subsidy policy for migrant workers to buy houses in the city

Migrant workers can enjoy a subsidy of 200 yuan per square meter to buy a house in the city, saving part of the cost of buying a house for migrant workers.

6. The household registration track system has been changed, and the household registration track system has become the main means of destocking in various places. Therefore, the report of the Shanghai authorities clearly stated that the focus of confrontation urban support should be shifted to the suburbs, and the growth of the suburbs should be further improved. According to the report of the Hebei provincial authorities, by 2020, the urbanization rates of the registered population and permanent population will reach 48 and 67 respectively.

7. Loan down payment to reduce provident fund loan: 20 down payment for the first house; The down payment for the second home loan is 20, and in some cities it is 30. Commercial loans: 25 down payment for the first home, 20 in some cities; 30 down payment for a second home.

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.