Beijing developers prohibit direct collection of pre-sale housing payment

(reporter horsepower) in the future, Beijing to buy the pre-sale of housing, developers will be prohibited direct collection, but all deposited into a dedicated account, developers are not free to extract, in order to ensure that the pre-sale paragraph for the project priority for construction. Yesterday, Beijing Municipal Housing Construction Commission, the People's Bank Business Administration, Beijing office of the CBRC issued the provisional measures for the supervision and administration of commercial housing pre-sale funds.　　The scheme will be implemented from December 1. No special accounts, no pre-sale licenses. According to the "method", in the future, each pre-sale of real estate development projects must determine the supervision of banks, if it is phased construction, each period can only determine a supervision bank.　　Under the guidance of the People's bank, the developers can choose their own regulated commercial banks. Developers in accordance with a pre-sale license corresponding to the principle of an account, in the supervision of banks set up a special account, and signed a supervision agreement on pre-sale funds. "There is no determination to regulate the bank or set up a special account, the city Housing construction Construction Authority does not issue pre-sale permits."　　Beijing Real Estate Association, Deputy Secretary-General Chenzhi said. In the pre-sale of commercial housing, buyers will no longer buy money directly to developers, but must be deposited in this dedicated account. "Including the deposit, the first payment, the home purchase loan and other forms of all the purchase money, must be deposited in this special account."　　"Chenzhi said. Limit room affordable implementation of the same system "account of the funds, developers are not free to extract."　　"Chenzhi Introduction, developers in accordance with the project construction plan and construction progress, the preparation of the project's use plan, newspaper and other departments for approval."　　4 nodes are defined in the scheme, respectively for the underground structure completion, structure capping, completion acceptance, house owners can handle the property card, in these 4 nodes, developers can according to the Declaration of the scheme, apply for the extraction of a certain proportion of funds, for the payment of works, procurement materials and other costs. "If there is a problem in this project, may affect the interests of home buyers, county-building construction will immediately notify the supervision of the bank, suspend the appropriation of funds earmarked for the account, and start emergency measures, supervision with these funds to complete the construction of the project, the house into the hands of buyers."　　Chenzhi said that the problems involved include: The developers have illegal behavior caused by the project shutdown, the project has serious quality problems, the project has not been delivered on schedule.　　In addition, because the limit room, affordable also belongs to the pre-sale nature of the residential, so the "method" said that the limit room and affordable also to implement the same financial supervision system.　　Read 1 Developers how to withdraw money?　　The preparation of good use of the plan, approved, in 4 nodes can draw a certain proportion of funds Chenzhi introduction, not all of the pre-sale funds must be drawn on 4 nodes, the focus of supervision is to ensure the construction of funds. "Such as a project, it has 100,000 square meters, the price is 10,000 yuan per square meter." Then it's pre-sale money is 1 billion yuan altogether. Among them, the government will calculate the construction cost of the project, such as 3000 yuan per square meter, 100,000 square meters is 300 million yuan. "Chenzhi said that a real estate is gradually sold out of the house, the purchase of a property is also a cumulative owner, when the special account of this property in charge of the pre-sale payment more than 300 million yuan, so the extra part, developers can draw.　　The accumulation of pre-sale funds in the dedicated account does not reach 300 million yuan, the developer can not draw money in the account. "This 300 million yuan is to ensure that the project and supporting facilities can be completed to pay the money," said Chenzhi, developers to extract the money, there will be certain restrictions, the first to prepare a good plan, and the plan must be reasonable. For example, 4 nodes, the proportion of each node must be reasonable. "Because of a project, what stage to use how much money, in fact, there are certain rules, if the developers to apply for the plan is unreasonable, the competent authorities will not approve."　　"Chenzhi said, developers of the plan is approved, in each node extraction, but also to provide relevant materials, prove that the project progress reached this node, in order to withdraw. "The principle of this policy is to keep the money in good control, but no matter how dead." Not only to ensure the completion of the project, but also take into account the developer's capital utilization rate.　　"Chenzhi said.　　2 developers illegal collection How to do?　　Suspend its development projects in Beijing, the pre-sale of commercial housing, and credited to the enterprise credit information system after the implementation of funds supervision, if the developers violate the rules, directly to collect pre-sale funds, or not in accordance with the provisions of the Fund to draw special accounts, how will supervision and punishment? In this respect, Chenzhi said, according to the new rules, supervision of banks if the sale of pre-sale funds are not deposited into a dedicated account, will inform the county construction department. At the same time, the county construction authorities will be the pre-sale funds into the special account of the situation supervision, and the progress of the site verification, investigate whether the developers should withdraw money. "If the developer is verified to have illegal behavior, will be ordered to correct the deadline, suspend its development projects in Beijing, the pre-sale of commercial housing, and its illegal behavior publicity, counted into the enterprise credit information System."　　"When will 3 developers be able to take out the funds?"　　Only in the home buyers can unilaterally handle the property card, the developers can take all the funds in accordance with the new rules issued yesterday, in the completion of the initial registration and to achieve the buyer can unilaterally deal with the transfer of registration conditions, the Special account funds must not be less than the project construction costs of 5%. "In other words, the project only in the home buyers can unilaterally handle the property card, developers can take out the exclusive account of all the funds." Chenzhi said, as long as the developers in all taxes, the project of the purchase of property owners can handle. In the past, some developers due to financial constraints, and other reasons, there may be a drag on the situation of non-payment of taxes, and even some developers bankrupt. This is for owners to deal with the property card has brought difficulties. "After the implementation of the new regulations, even if the developers bankruptcy or other circumstances, will not affect the buyers."　　"Chenzhi said, if the developers violate the rules, the government can freeze its dedicated account, with the remaining funds in the account to pay these taxes, to protect the interests of home buyers. Impact on the purchase of home buyers and other aspects of payment procedures no changes in the new rules on the purchase of people haveWhat effect? Chenzhi said, the implementation of the new rules, home buyers in the purchase, payment and other links formalities and the past has not changed. "The way of payment has not changed, just purchase money directly would to the dedicated account."　　"He disclosed that the Beijing real estate transaction Management Network is making the related improvement, the future home buyers login to the net, in the inquiry net sign the result, through the purchase contract number, can inquire to own purchase money to be deposited in the special Account."　　At the same time, the city, district housing construction project will also be announced approved pre-sale projects, project progress, and so on, buyers can through the competent department website to inquire about the relevant information. For the market recently opened projects or significantly increased Chenzhi said, under the new rules, developers if you want to quickly get funds, must ensure the quality of the premise, speed up the project construction, speed up the project sales, can not hoard the house, can not cover the plate reluctant, in order to withdraw funds.　　This will help increase the supply of the housing market, and to stabilize and lower house prices. Chenzhi that, because the new deal will be implemented on December 1, prior to get pre-sale permission of the project can not be funds supervision, then in this 1 months time, it is likely to appear some real estate in the new deal before the opening.　　And developers because of the hope that the pre-sale quickly digest, may take the price reduction and other promotional measures. Zhongyuan Real Estate North China Regional managing director Li Wenjie also believes that, due to the impact of the pre-sale supervision, developers need to quickly become available, so that the pre-sale funds beyond the key regulatory limit to more autonomous control, so some projects to rob in the regulatory measures before the implementation of the promotion is inevitable. But he also said that the pre-sale supervision will not obviously affect the land market. If an enterprise does want to take the land, there are many channels of funds, even through interbank lending to the working capital. On the other hand, the pre-sale funds supervision, to some extent, the land price down also has the advantage, "less competition." Chen Yunfeng, secretary general of China's real estate professional managers ' Association, believes that there will be a large opening in Beijing in the near future, but not necessarily price cuts. "Developers as long as the pre-sale card, you can avoid capital supervision." I grabbed it before the opening, but not necessarily in a hurry to sell, can even set a higher price, if you can sell better. If I can't sell it, I'll see what happens next.　　Chaoyang District, the owner of a real estate, the project construction costs in the pre-sale or said that the proportion of housing prices is very small, only the focus of supervision of this part of the market impact is limited, "More is a kind of Beijing to deepen the signal significance of regulation."　　For developers to tighten the fund to prevent hoarding to cover the plate Chenzhi, the new rules to remind developers, must be reasonable to develop their own use plan, can not blindly develop, can not use the way of misappropriation of pre-sale funds to develop other projects. Chen Yunfeng, secretary general of China's real estate professional manager, said the new deal would have a huge impact on developers ' money and speed up the reshuffle of the real estate industry. "Some large housing enterprises have more financing methods, more projects and less impact." And some small and medium-sized housing enterprises, some only develop aProject, the pressure on the funds will soar and no new projects can be developed. "Voice Beijing Huayuan Group President Ren Zhiqiang in micro-bo (http://t.sina.com.cn) said, commercial housing pre-sale funds supervision will tighten the money flow developers, promote push, prevent hoarding cover plate and rotten tail. But he also asked, "Will this increase the subsequent expansion of production and effective supply?"　　"For real estate developers," said Pan Shiyi, chairman of SOHO China Ltd., on Weibo.　　Buy Miss Dai: Pre-sale gold to supervise, the developer must earmarked for funds, which is tantamount to an increase in insurance, to prevent developers delay, to avoid delays in the delivery of the house. Mr. Wei: Supervision of pre-sale funds will tighten the developer's money bag.　　Recently, the policy of restricting the funds of developers is very many, I really hope that these policies superimposed together, can let house prices drop. This edition of the interview/newspaper reporter Horsepower Zhangxuyue Zhang Home qi