Five gold medals to curb house prices rising too fast

Home mortgage down to 30% and above suspended third set of loans and above to speed up the reform of real estate tax pilot and gradually expand to the country to sell its own housing and in 1 years the taxpayer will no longer reduce personal income tax-the newspaper reporter Zhang Zhahui Zhu Yu Han Xiaodong for further implementation of the State Council to resolutely curb the price of some cities too fast rise　　Notice the spirit, the state-related ministries recently issued measures to consolidate the real estate market control results, promote the healthy development of the real estate market. These measures mainly include: first, all localities should strengthen the implementation of the real estate market macro-control policy measures. It is urgent to study the implementation rules for implementing the (2010)10. The areas where the implementation rules have been issued should be adjusted and perfected in the light of recent policy measures issued by the relevant national ministries. Housing prices too high, rising too fast, the supply of tension in the city, to a certain period of time to limit the household home purchase.　　Strict implementation of the accountability system, the implementation of the policy is not in place, the work is not effective, to conduct interviews, until the accountability. The second is to improve the differentiated housing credit policy. The commercial banks suspend the granting of third-and above-housing loans to residents ' families, and suspend the purchase loan for Non-residents who cannot provide a certificate of local tax or social insurance payment for more than one year.　　For the purchase of commercial housing loans, the proportion of the first payment adjusted to 30% or more; the family that buys the second housing for the loan strictly enforces the rule that the first payment ratio is not less than 50% and the loan interest rate is not less than 1.1 times times the benchmark rate. Commercial banks should strengthen the management of consumer loans and prohibit the purchase of housing. Commercial banks that do not seriously implement differentiated credit policies will be seriously dealt with once they have been verified.　　Continue to support real estate development enterprises to undertake low-cost, small and medium-scale commodity housing projects and participate in secure housing projects loan needs. Third, the adjustment of the housing transaction link of the deed and individual income tax preferential policies. To strengthen the supervision and inspection of the land value-added tax collection and management, focusing on the real estate development projects priced in excess of the surrounding house price level to carry out land value-added tax liquidation and inspection.　　We should accelerate the pilot work of real estate tax reform and gradually expand to the whole country. Four is to effectively increase the effective supply of housing. All over the 2010-year housing construction plan and land supply plan for the actual completion of the supervision and assessment, the implementation of small and medium-sized general merchandise housing and security housing construction plan and land plan. Cities that have risen too fast will have to increase the total supply of residential land. Earnestly implement the tax preferential policies supporting public rental housing construction.　　Financial institutions are encouraged to support the construction of affordable housing projects and to formulate long-term loan policies to support the construction of public leased houses. Five is to increase the housing market inspection efforts, according to the law to investigate the brokerage institutions speculation, drive up prices, encourage customers to sign "yin-yang contract" and other acts. To the real estate development enterprise Land idle, changes the land use and the nature, the delay opens the completion time, the cover plate reluctant and so on illegal behavior, must continue to increase the exposure and the punishment strength. The development of real estate with the above violation recordCompanies to suspend their issuance of shares, corporate bonds and new land acquisitions, commercial banks cease to extend loans and loans for new development projects. In addition, the Ministry of Finance, the State administration of taxation, housing and urban and rural Construction ministry 29th issued a joint circular to adjust real estate related tax policy. According to the three departments issued "on the adjustment of real estate transaction link tax preferential policies of individual income taxes," since October 1, the purchase of ordinary housing for individuals, and the housing belongs to the family (including home buyers, spouses and minor children, the same as the same) the only housing, halve the levy of a deed. For individuals to purchase 90 square meters and the following ordinary housing, and the housing belongs to the family only housing, minus 1% tax rate levy. Any individual purchase of ordinary housing, which does not meet the above provisions, shall not enjoy the above preferential policies.　　The notice also clarified that taxpayers who sell their own homes and return home in 1 years are no longer exempt from personal income tax. Notice that the implementation of the adjustment, "the Ministry of Finance of the State administration of taxation on the adjustment of the real estate market a number of tax policy notice" (tax word (1999)210) The first relevant provisions of the deed, "the Ministry of Finance State Administration of taxation on the adjustment of real estate transaction links Tax Policy notice" (finance　　No. 137th) The first, "Ministry of Finance State Administration of taxation on personal income tax on the sale of housing income of the relevant issues of notice" (tax word (1999)278) The third is abolished. The real estate regulatory policy may bring about the market impact, Zhongyuan real estate concerned that this will crack down on speculative demand for tenants, can foresee October turnover will fall.