Pre -sale funds for commercial housing are an important sources of cash flow for real estate development enterprises. The pre -sale funds supervision system aims to ensure the safety of pre -sale funds, ensure the smooth completion of the project, and protect the legitimate rights and interests of buyers.
Under the current situation, on the basis of ensuring the security of funds and the "guarantee of the property", it is necessary to optimize the supervision of pre -sale funds for commercial housing in accordance with the requirements of the Central Political Bureau meeting on April 29. Reasonably release the pre -sale funds and improve the efficiency of pre -sale funds for commercial housing will help alleviate the pressure of short -term funds in housing companies, stabilize market confidence, and realize a virtuous circle of industry. Pre -sale funds for commercial housing refers to the purchase of houses paid to real estate developers in accordance with the pre -sale contract of commercial housing, that is, buyers need to "pay the money first, and then collect the house." The housing enterprise must deposit the pre -sale funds into a special supervision account of the bank in a certain proportion. It can only be used as the construction of this project. It is not allowed to withdraw or use at will, and allocate with the project construction progress. Pre -sale funds for commercial housing can protect the funds of home buyers. The pre -sale funds for commercial housing in individual cities are not in place, and some real estate development enterprises have misappropriated pre -sale funds in violation of regulations. The phenomenon of delaying houses and rotten tail buildings occur from time to time, infringing the legitimate rights and interests of home buyers. Therefore, the supervision of pre -sale funds is imperative. At the same time, in the context of putting steady growth in a more prominent position, it is necessary for the local area to promote the stable and healthy development of the real estate market from both ends of supply and demand. On the supply side, optimizing the supervision of pre -sale funds for commercial housing will help relieve the liquidity tension of the enterprise and enhance the cash dominance of housing companies.
The role of pre -sale funds on stable and active corporate cash flow is the voice of many real estate companies. In reality, if the pre -sale fund card is too tight, it is not conducive to the effective use of funds in real estate companies and release operating vitality; and if the supervision is not in place, there may be rotten tail buildings.
On the basis of the "insurance delivery building", stabilizing the cash flow of active real estate companies needs to further optimize the supervision of pre -sale funds for commercial housing for real estate development enterprises.
At present, for local governments, on the premise of ensuring the security of pre -sale funds, optimizing supervision is a necessary move. It should better grasp the principles and flexibility, and to be tight. In February of this year, the new regulations for pre -sale funds for commercial housing were introduced. Through tender, determine supervision banks, reasonably determine the supervision quota, clarify the supervision responsibilities of all parties, establish an information sharing mechanism, and determine the first and last allocation nodes. Pre -sale fund supervision.
On this basis, the number of cities that adjust and optimize related policies in recent times have gradually increased. Since May, more than 10 cities have optimized pre -sale funds for commercial housing for pre -sale funds. Some cities moderately reduce the proportion of regulatory funds, such as Haikou City, Hainan Province. For enterprises with good credit, the proportion of key funds for supervision is appropriately reduced; Yu releases more funds to enterprises to facilitate the flexible deployment of enterprises.
Some cities add key regulatory funds allocated nodes. For example, Changzhou City, Jiangsu Province, adjusts the regulatory fund allocation nodes from one -half of the completion of the main project to one -third and two -thirds, which helps the enterprise to withdraw the allocation funds earlier It reflects the accuracy of supervision.
Some cities allow bank guarantees to replace pre -sale supervision funds, such as Xuzhou City, Changchun City, Jilin Province, and Jilin City, Jiangsu Province, and Jilin City can adopt insurance letter instead of capital cash.
Some cities implement differentiated management according to corporate credit rating. For example, Suzhou City, Anhui Province, strengthen corporate credit assessment and application, and reduce the proportion of pre -sale fund supervision and retention.
It is worth noting that the bottom line of pre -sale funds for commercial housing is still to ensure the delivery of real estate development projects on time, and to maintain the legitimate rights and interests of home buyers to a greater extent.
The standardized supervision of pre -sale funds should make the pre -sale funds truly realized from the entire process management and control and full -cycle supervision from the land development to the sales return. Optimizing pre -sale funds for commercial housing is not to reasonably release the capital investment or consumption through reasonable release of funds, and strengthen supervision cannot control or curb the development of real estate. To further optimize the supervision of pre -sale funds for commercial housing The governance of funds is more modern and more in line with market laws.