The first half of the Taiyuan real estate market policy inventory: the changes are not small, "stable" word at the head

The first half of 2020 has seen a lot of unforgettable things happen, and so has the real estate market. After a brief hibernation in the market, online selling started to take off, and in the second quarter, Taiyuan's property market gradually warmed up and saw a boom in land auctions.

Taiyuan real estate market policy has undergone considerable changes: the landing of the Civil Code, the central bank to adjust the mortgage interest rate policy reintroduced to reiterate the positioning of "housing without speculation", the city's regulatory policy continues to be ...... a series of policies, from all aspects Regulate the healthy and orderly development of the industry. Industry insiders believe that the industry to stabilize and healthy development, is bound to go through a period of pain of change. Out of the comfort zone in order to move towards a more rational and healthy development.

Right to the source: "Civil Code" landing the biggest impact in the future

The "Civil Code" officially adopted in May this year, will be formally implemented next year, for the solution of real estate and property industry for many years due to the responsibility and rights of the definition of the disputes brought about by laxity, the stubborn problems, as well as to protect the interests of the people, the maintenance of social civilization and moral ecology will have a far-reaching impact. The civil code will have a far-reaching impact.

Numerous industry insiders believe that the Civil Code, which will be enforced on New Year's Day 2021, will have the greatest impact on the general public's ability to buy and sell homes and residences. Among them, the right of residence will have the greatest impact.

Shanxi Province Real Estate Industry Association, deputy director of the Department of Legal Affairs, Beijing Zhonglun Wende Taiyuan Law Firm, deputy director of Zhang Qiufeng lawyers, said the simplest example, if the husband and wife divorced in the divorce agreement, the ownership of the divorced house to a party to use the other side of a part of the house to enjoy a certain period of time or life-long right of abode. The right of abode may not be transferred or inherited, and the house in which the right of abode is established may not be rented out, unless otherwise agreed by the parties. The right of abode is extinguished upon expiration of the term of the right of abode or upon the death of the owner of the right of abode.

The mortgagor can transfer the mortgaged property during the mortgage period, which will also be very different from the past. If the mortgaged property is transferred, the mortgage is not affected. If the mortgagor transfers the mortgaged property, he shall promptly notify the mortgagee. If the mortgagor is able to prove that the transfer of the mortgaged property may impair the mortgage right, he may request the mortgagor to pay the price of the transfer to the mortgagor in advance of the settlement of the debt or to withdraw the money. The portion of the transferred price in excess of the amount of the claim goes to the mortgagor, and the shortfall is to be satisfied by the debtor.

For the public concern about a wide range of overhead throwing problem, but also on the responsibility for clarity. From the actual situation in the past, the victim of the incident of throwing objects from a height, often due to the thrower can not be found and difficult to defend their rights. Article 87 of the Tort Liability Law previously in force stipulates that, in the case of not being able to find the person who threw the object, the owner of the whole building **** the same compensation. And in the Civil Code, further stipulates the legal responsibility of throwing objects from height, prohibit throwing objects from the building. Throwing objects from the building or falling objects from the building caused damage to others, the infringer shall bear the tort liability according to law; after investigation, it is difficult to determine the specific infringer, in addition to be able to prove that they are not the infringer, by the possible aggrieved building users to compensate. The possible harm to the building user compensation, the right to recover from the infringer. This article also added the "building users can recover compensation after the" clause, and clarify the property management agencies need to fulfill the obligation to prevent, public security and other organs have the obligation to investigate. Taiyuan Real Estate Board property section chief Liu Hongwei said that this law from the legislation to prevent "throwing objects from a height" and other dangerous behavior, while the rule of law should be strengthened publicity and education, so that all citizens recognize the illegal nature of the act of throwing objects from a height, consciously abide by the law, to avoid the occurrence of the act of throwing objects from a height. In terms of tort liability, the Civil Code also makes it clear that "if an object thrown from a building or falling from a building causes damage to another person, the tortfeasor shall be liable for the tort in accordance with the law."

The landing of the Civil Code will have the greatest impact on people's lives.

Jewel in the crown: two consecutive months of multi-departmental joint stability

March, Taiyuan Municipal Real Estate Administration, Taiyuan Housing Provident Fund Management Center and other seven departments jointly issued the "effective response to the epidemic to safeguard the urban and rural construction of the orderly advancement of the promotion of the steady and healthy development of the real estate market notice", involving the policy support for the construction of new houses,hollister. Engineering construction capital investment, housing provident fund policy support and many other aspects.

April, Taiyuan Municipal Real Estate Administration jointly with the Municipal Planning and Natural Resources Bureau and other three departments on April 30 issued "on maintaining the stable and healthy development of the real estate market of a number of opinions", the introduction of real estate six new policies, involving pre-sale permits, household optimization and so on. Specific content includes six aspects of commercial housing pre-sale permits, land transfer price payment, optimization and adjustment of commercial housing type, provident fund loans, housing leasing, market supervision, to support the resumption of real estate enterprises to resume production, and to promote the real estate sector, "put in place service efficiency" reform.

For two consecutive months, Taiyuan multi-departmental jointly issued two market stabilization notification opinions, the two beads together, both in the short term to the difficulties of the enterprise to the real money to help, but also in the medium and long term in the policy surface to give a strong support.

This contains many policies to increase support for new commercial housing. Because of the epidemic affecting the construction of construction, has obtained a construction permit within the scope of the building to apply for pre-sale permits, pre-sale part of the development and construction funds invested in the construction of engineering and construction of more than 25% of the total investment can be. Supervision of pre-sale funds for new commercial real estate from the whole process of supervision adjusted to pay for engineering and construction costs such as key supervision, key supervision of pre-sale funds for commercial real estate up to 40% of the total pre-sale amount of the supervised project can be credit rating grade A (inclusive) above the real estate enterprises, key supervision amount can be appropriately relaxed by 5%. Accelerate the new commercial housing net signature filing, before the end of March to complete all reasonable sales of housing net signature filing, to maintain the legitimate rights and interests of buyers and sellers of commercial housing.

Encouragement and support for enterprises through mobile APP applications, the Internet, telephone and other channels for the masses to provide online commercial real estate sales, intermediary activities, to achieve "no meet" service, to help facilitate real estate transactions. But at the same time, the new commercial housing must obtain a pre-sale license for commercial housing, the stock of housing must be inspected by the source before listing display sales, to ensure that the masses of people to buy a home at ease, peace of mind.

Laxity: provident fund support + tightening

March 5, Taiyuan Housing Provident Fund Management Center issued a "positive response to the new Crown Pneumonia epidemic on the implementation of the phases of the housing provident fund to reduce the burden of the protection policy of the notice," the main including the first-line medical workers and other workers can not normally repay housing provident fund loans do not do overdue processing, moderately increase the difficult workers rental housing extraction support, full support for difficult enterprises to implement the stage of deferred payment and so on.

April 30, Taiyuan Housing Provident Fund Management Center issued a clear identification of the number of housing units, the notice from the recognition of housing and loans, the first suite identification standards, two suite identification standards, more than two sets of housing identification standards, does not count the number of units and loans identified, housing units, loans, the number of inquiries, and so on, to make the provisions.

The two new policies, on the one hand, to the deposit enterprises and deposit employees are given support, while at the same time the loan threshold adjustment, to the real need to solve the housing problem of home buyers to loan protection.

According to the purchase restriction policy issued by the Taiyuan Municipal Government in May 2018, resident families applying for commercial personal housing loans for the purchase of their first home should make a downpayment of not less than 30%, and the loan interest rate should be based on the benchmark rate; resident families applying for commercial personal housing loans for the purchase of their second home should make a minimum downpayment of not less than 40%, and the loan interest rate should be not less than 1.1 times the benchmark rate; and residents buying a third home should make a minimum downpayment of not less than 1.1 times the benchmark interest rate. 1.1 times; the issuance of commercial personal housing loans is suspended for residential households purchasing a third or more housing units. The down payment ratio for provident fund loans is the same as above.

After this adjustment, the implementation of the provident fund loan "recognize the house and recognize the loan". This means that if you have taken out a mortgage or bought a house in the past, you will be considered as a second set of houses if you buy a house again. Recognize the house and recognize the loan there are three kinds of circumstances, for the borrower to apply for the first time to use the loan to buy housing, if the proposed purchase of housing in the location of the housing registration system, including the registration of pre-sale contracts for the record system, the family has been registered with a set of housing or more, and then loan to buy the housing must be a second set of housing or more; the borrower has been using the loan to buy a set of housing or more, and applying for loans to buy The borrower has already used the loan to buy one or more houses, and then apply for a loan to buy a house, is also recognized as the second or more houses; there is another situation is that the bank through the checking of credit records, home visits and other forms of visits to the investigation, is convinced that the borrower's family has already had a house or more houses, and then refinance the loan is also in accordance with the implementation of the second or more houses.

Refining the nature of cultivation: the full implementation of green standards for urban buildings

In addition to policy adjustments to the market, Shanxi building has also begun to practice "internal skills". April, the province introduced a "green building special action program", the future, the province's new buildings in towns and cities will fully implement green building standards. In 2020, the proportion of green buildings in the new building area reached 50%.

Green building, as the name suggests, is a high-quality building that can achieve energy saving and emission reduction, in the whole life cycle, saving resources, protecting the environment, reducing pollution, providing people with a healthy, suitable and efficient use of space, maximizing the realization of man and nature in harmony *** life of high-quality buildings.

Industry insiders said that, from the overall market direction, China's trend and policy support for the promotion of building energy efficiency and green building development, in the "13th Five-Year Plan" has reached a new height, the development of the green building market goal is also from the green building certification into the energy-saving and green development concepts extended to all aspects of the construction field. The green building market has also shifted from green building certification to extending the concept of energy efficiency and green development to all aspects of the building sector.

In addition to this, real estate service companies will continue to explore the operation and maintenance of existing properties and their sustainable potential, and the effective retrofitting of existing properties will bring positive benefits to owners and users. Green building retrofits can reduce operating expenses by an average of 4% within one year, and are expected to average up to 9% over five years. In addition to the development of LEED in first-tier cities, deepening the new building market in second- and third-tier cities is the trend for the next two years.

Dialect: new rules for rental conversions

The housing rental market, in the past two years, has been the focus of attention and development in Taiyuan.

June, "Shanxi Province rental housing reconstruction guidelines (for trial implementation)" issued from the technical standards and management of the use of rental housing reconstruction activities to be standardized to ensure the safety of rental housing, increase the supply of rental housing to improve the rental environment. Among them, it is clear that the bedroom shall not be partitioned for rent, and shall not be converted into an aisle, kitchen, bathroom, balcony, storage room and underground storage room.

In recent years, the rapid development of the housing rental market in our province, to solve the problem of urban migrant workers, newly employed college students and other new citizens play an important role in housing. However, there are still some problems, such as the supply of new rental housing is small, the stock of housing sources of household type and new citizens do not match the demand, the lack of technical standards for non-residential conversion into rental housing, in the rental demand for the city even appeared in violation of the transformation of housing for rent, illegal partitioning group rentals and other chaotic phenomena.

"Guidelines" issued after the requirements, commercial office buildings, industrial plants and other non-residential, subject to approval of the centralized reconstruction, should be the original building structure for security appraisal, does not meet the requirements for the use of rental housing should be taken to strengthen measures, public **** area should be configured with facilities and equipment such as dining, sanitary ware, recreation and fitness, to meet the needs of the tenant's public **** activities and social interactions.

Commercial housing for decentralized alterations, should be the original design of the room as the minimum living unit, the bedroom shall not be partitioned for rent, shall not be aisles, kitchens, bathrooms, balconies, storage rooms and underground storage room converted into a living room or affect, destroy its functional use. The materials and equipment used in the conversion and the indoor air quality after the completion of the project shall comply with the relevant regulations and shall not jeopardize the safety and health of the tenants.

Spitting out the old and the new: senior living facilities to become a community "standard"

With the development of the concept of the whole life cycle of the continuation of the product, in May, the Shanxi Provincial Government issued the "on the implementation of the views of the development of senior care services," pointing out that the new residential community to be with the The old-age service places synchronized planning, synchronized construction, synchronized acceptance, synchronized delivery. Older communities without senior care service facilities, the county-level government to take the purchase, replacement, leasing, or in the small area of the site of a new solution to senior care service places. By 2022, the standardization rate of supporting facilities will reach 100%.

Pension facilities will become one of the requirements for future homes. This year, Shanxi will encourage the integration of the real estate industry and recreation industry, encourage and support real estate development enterprises to develop and build recreation projects, conditional cities can pilot the construction of a certain proportion of new real estate development projects, such as senior living apartments, property service enterprises to work closely with medical institutions, senior living service organizations, and provide them with convenient services.

Specialty: Taiyuan building colors should be soft and elegant

The end of April, Taiyuan Municipal Bureau of Planning and Natural Resources issued the "Taiyuan Architectural Landscape Landscape Planning and Control Guidelines," in order to shape the characteristics of the city of Taiyuan, to strengthen the control of architectural landscape and style, to enhance the quality of the space of the public ****, and to promote the city's urban design to guide the systematization, refinement

The building fa?ade style requirements fully reflect Taiyuan regional culture, climate characteristics, the spirit of the times, reflecting the characteristics of the type of architectural function, and the overall style of the streets and neighborhoods are coordinated. Taiyuan building colors should be soft and elegant, shall not be used in large areas of high color primary colors. Buildings located within the visual threshold of mountain overlooks, iconic high-rise buildings (structures), airport take-off and landing routes, etc., should have uniform and coordinated roof colors, use anti-reflective materials, and prohibit the use of high-color, high-reflective roofing materials. More than 10 residential projects, it is appropriate to combine the group building layout, color zoning between building rows and columns or groups.

Every city has its own "character", the image of the city also needs to be carefully designed, in an effort to build a green modern landscape city today, Taiyuan on the urban landscape, color and other aspects of the requirements of a refreshing.

Original title: the first half of the Taiyuan real estate market "sand field pointing": the policy changes are not small stable word to standardize the development of