Notice of the General Office of the State Council on Promoting the Stable and Healthy Development of the Real Estate Market the State Council No.4 [20 10] People's governments of all provinces, autonomous regions and municipalities directly under the Central Government, ministries and commissions of the State Council: Since the fourth quarter of 2008, all regions and relevant departments have conscientiously implemented a series of policies and measures of the State Council on promoting the healthy development of the real estate market and achieved positive results. The transaction area of newly-built commercial housing has increased substantially, and the construction progress of affordable housing projects has been further accelerated, which has played an important role in boosting confidence, activating the market, solving the housing difficulties of low-income families, promoting housing consumption and investment, and achieving the goals of maintaining growth, expanding domestic demand and benefiting people's livelihood. However, with the recovery of the real estate market, some cities have recently experienced problems such as excessive housing price increases, which need to be highly valued. In order to further strengthen and improve the regulation of the real estate market, stabilize market expectations and promote the stable and healthy development of the real estate market, with the consent of the State Council, relevant issues are hereby notified as follows: 1. Increase the effective supply of affordable housing and ordinary commodity housing; 1. Accelerate the construction of low-priced and small-sized ordinary commodity housing. Measures should be taken to promote the construction and listing of approved ordinary commodity housing projects that have not been built or built for sale, and urge real estate development enterprises to speed up the project construction and sales. It is necessary to appropriately increase the construction of affordable housing and expand the supply scope of affordable housing. In cities where commodity housing prices are too high and rising too fast, it is necessary to effectively increase the supply of price-limited commodity housing, affordable housing and public rental housing. (2) Increase the effective supply of housing construction land and improve the efficiency of land supply and development and utilization [1]. All localities should grasp the total amount, structure and timing of land supply according to the operation of the real estate market. The people's government of a city should work out a 20 10-20 12-year housing construction plan within the scale of urban construction land determined by the overall urban planning and land use planning, focusing on the construction scale of low-and medium-priced ordinary commodity housing, price-limited commodity housing, public * * * rental housing, affordable housing and low-rent housing, and incorporate them into the annual supply plan of housing land, implement them in different plots, and define the housing blocks in various places. Cities with high housing prices, rapid rise and insufficient effective housing supply should effectively expand the supply and proportion of construction land for the above five types of housing. It is necessary to strengthen the planning and management of commodity housing projects and improve the efficiency of planning approval. It is necessary to announce the annual supply plan of housing land to the public in a timely manner, and speed up the examination and approval work to ensure the implementation of the land supply plan for those who need to go through the formalities of requisition and conversion of agricultural land. Second, reasonably guide housing consumption and curb the demand for speculative investment in housing purchase; Third, strengthen the implementation of differentiated credit policies. While continuing to support residents to purchase ordinary self-occupied houses with loans for the first time, financial institutions should strictly manage the loans for second-home purchases, reasonably guide housing consumption, and curb the demand for speculative purchases. For families (including borrowers, spouses and minor children) who have used loans to purchase houses and applied for the purchase of second homes, the down payment ratio of loans shall not be less than 40%, and the loan interest rate shall be set strictly according to the risks. (4) Continue to implement differentiated housing tax policies. It is necessary to strictly implement the state's differentiated tax policies for individuals to purchase ordinary housing and non-ordinary housing, first-time housing purchase and non-first-time housing purchase. Do not meet the prescribed conditions, shall not be given relevant tax incentives. At the same time, it is necessary to speed up the study and improvement of housing tax policies and guide residents to establish a reasonable and economical concept of housing consumption. Three. Strengthen risk prevention and market supervision (V) Strengthen real estate credit risk management. Financial institutions should further improve the real estate credit risk management system, adhere to fair and orderly competition, and strictly implement credit standards. It is necessary to strictly implement the capital requirements of real estate projects, and it is strictly forbidden to issue real estate development loans to real estate development enterprises or development projects that do not meet the requirements of credit policies. The People's Bank of China and the China Banking Regulatory Commission should strengthen the supervision, management and window guidance of the real estate loan business of financial institutions. Relevant departments should strengthen the monitoring of the flow of credit funds and cross-border investment and financing activities, prevent credit funds from illegally entering the real estate market, and prevent overseas "hot money" from impacting the Chinese market. (6) Continue to rectify the order of the real estate market. Housing and urban-rural construction departments should, jointly with relevant departments, intensify the investigation and punishment of illegal acts such as hoarding land and houses, spreading false information and disrupting market order, and strengthen supervision over the quality and safety of housing projects, especially affordable housing. Land and resources departments should strictly collect the land transfer price, deepen the supervision of contract execution, strengthen the investigation and punishment of idle land, and severely investigate and deal with illegal land use, hoarding and speculation. Price and other relevant departments should strengthen the supervision of commodity housing prices, and investigate and deal with price fraud, price gouging and violation of the provisions of clearly marked prices in real estate development, sales and intermediary services according to law. The tax authorities should further intensify the investigation and punishment of tax evasion by real estate development enterprises. State-owned assets supervision departments should further standardize the real estate investment behavior of large state-owned enterprises. (seven) to further strengthen the management of land supply and commercial housing sales management. All localities should comprehensively consider factors such as land price, payment of land price, development period agreed in the contract, and idle land of enterprises, reasonably determine the way and content of land supply, and explore comprehensive bid evaluation methods for land transfer. Units and individuals who are in arrears with the land price and violate the contract are restricted from participating in land transfer activities. Strictly control the single land transfer area of commercial housing projects. According to local conditions, the minimum number of pre-sale permits for commercial housing projects should be reasonably determined, and pre-sale permits should not be handled at different levels and in different units. Real estate development enterprises that have obtained the pre-sale permit shall publicize all the houses at one time within the specified time and sell them in strict accordance with the declared price. Further establish and improve the online filing system for new commercial housing and stock housing transaction contracts, and increase the supervision of transaction funds. (8) Strengthen market monitoring. Local people's governments should continue to strengthen the statistics, analysis and monitoring of the real estate market, and put forward measures and methods to solve new situations and problems in a timely manner. Relevant departments should release market regulation and relevant statistical information in a timely manner to stabilize market expectations. 4. Accelerate the construction of affordable housing projects (9) Strive to basically solve the housing problem of15.4 million low-income families with housing difficulties by the end of 20 12. All localities should increase the supply of low-rent housing and affordable housing through urban shantytown renovation, new construction, renovation and government purchase, and strive to solve the housing difficulties of urban low-income families. It is necessary to speed up the construction of price-limited commercial housing and public rental housing to solve the housing difficulties of low-and middle-income families. We will comprehensively start the transformation of cities and state-owned industrial and mining shanty towns, and continue to promote the transformation of shanty towns in forest areas and reclamation areas. At the same time, we will intensify the renovation of dilapidated houses in rural areas and appropriately increase the number of pilot households. (10) The central government will increase its support for the construction of affordable housing projects, appropriately raise the subsidy standards for low-rent housing construction in the central and western regions, improve and improve the distribution methods of central subsidy funds, mobilize local enthusiasm, and ensure the efficiency in the use of funds. All regions and relevant departments should strengthen supervision and inspection to ensure the implementation of land and funds for affordable housing projects. At the same time, financial institutions are encouraged to provide loans to eligible cities and state-owned industrial and mining shanty towns. The construction plan, construction progress and the use of funds of affordable housing projects shall be publicized to the public in a timely manner. V. Implementing the responsibilities of local people's governments at all levels (11) To further improve and implement the responsibility system for stabilizing the real estate market and solving the housing difficulties of low-income families, the provincial people's government shall take overall responsibility and the municipal and county people's governments shall implement it. All localities should conscientiously implement differentiated land, finance, taxation and other policies in light of the actual situation of the local real estate market, and pay close attention to cleaning up and correcting provisions that are inconsistent with the requirements of central regulation and control, such as ultra vires tax reduction and exemption. For overseas institutions and individuals to invest in real estate in China, it is necessary to strictly follow the current policy. In accordance with the principles of supporting residents' reasonable housing consumption, restraining speculative investment in buying houses, increasing effective supply and improving relevant policies, we will intensify efforts to promote the healthy development of the real estate market. Relevant departments in the State Council should strengthen inspection and guidance on the implementation of local real estate market regulation policies, focusing on the supervision of regions and cities where housing prices have risen too fast. All provinces, autonomous regions and municipalities directly under the Central Government should also intensify their guidance on the work of cities and counties, strengthen supervision and inspection, and ensure that all work measures are implemented. The State Council general office 20 10 year 1 month 7.