Mortgage interest rate policy adjustment! These new rules will affect your life in October.
Zhongxin Jingwei Client September 30th (Seimi Zhang) The words "deposit" and "savings" cannot appear on the adjustment of mortgage interest rate policy, the express parcel is not allowed to be "lost" at will, the train diagram of the national railway adjustment and the insurance leaflet. September has come to an end, and in October, a number of new regulations will be formally implemented, which will affect your life and mine.
New national regulations
The new personal mortgage interest rate is adjusted according to LPR.
Since October 8th, the interest rate policy of housing loan has changed: the new commercial loan interest rate is formed by adding the loan market quotation rate (LPR) of the latest month as the pricing benchmark; The interest rate of two sets of commercial personal housing loans shall not be lower than the quoted interest rate of the loan market for the corresponding period plus 60 basis points; The loan interest rate for commercial housing purchase shall not be lower than the quoted loan market interest rate for the corresponding period plus 60 basis points. The interest rate policy of provident fund personal housing loan will not be adjusted for the time being.
The provincial branches of the central bank shall, in accordance with the principle of "making policy according to the city", determine the lower limit of the interest rate of the first and second sets of commercial personal housing loans within their jurisdiction on the basis of the unified national credit policy and according to the changes in the local real estate market situation. Banking financial institutions should reasonably determine the specific plus point value of each loan according to the lower limit of plus point.
Data map: Express cabinet. Zhongxin Jingwei Seimi Zhang photo
Express parcels are not allowed to "throw" the express cabinet at will.
The "Measures for the Administration of Intelligent Express Box Delivery Service" will be implemented on October 1, when the user will be given the right to choose whether the package can be put into the express box.
In life, people often encounter such a thing. When the recipient is not at home, many couriers will put the express parcel in the smart express box. Some couriers even put the express parcel in the express box without the consent of the recipient. At present, the intelligent express box service is not standardized and there are hidden dangers, which once became the focus of attention of all parties. In this regard, the State Post Bureau issued the "Measures for the Administration of Intelligent Express Box Delivery Service", which stipulates that the delivery of parcels in express boxes requires the consent of the recipients, and at the same time, no fees may be charged.
Nurseries and kindergartens cannot be built together with commercial and entertainment buildings.
The Ministry of Housing and Urban-Rural Development recently announced the partial revision of the industry standard "Code for Design of Nurseries and Kindergartens" (hereinafter referred to as "Code"), which will take effect on October 1, 2019.
The Code clarifies that at present, some nurseries and kindergartens are jointly built with commercial, entertainment and other buildings, which are prone to fire, and the joint construction with these buildings poses great hidden dangers to the safety of young children. Therefore, it is stipulated that nurseries and kindergartens can only be built together with residential, pension, education and office buildings. These buildings are relatively standardized in management and the probability of fire is relatively small. In addition, in order to ensure the safety of infants and young children, it is stipulated that independent evacuation stairs and safety exits should be set up, which should comply with the provisions of the fire protection code for building design.
The Regulations on the Protection of Children’s Personal Information Network will be implemented on October 1.
The Regulations on the Protection of Children’s Personal Information Network (hereinafter referred to as the Regulations) came into effect on October 1, which is the first special legislation on the protection of children’s personal information network in China.
The Regulations clarify that no organization or individual may produce, publish or disseminate information that infringes on the safety of children’s personal information. The Regulations point out that network operators should set up special rules and user agreements for the protection of children’s personal information, and designate special persons to be responsible for the protection of children’s personal information.
Data map: Harmony high-speed rail. Zhongxin jingwei photo
The new train diagram will be implemented on October 11th.
From 0: 00 on October 11th, the railway will implement a new train diagram, which will adjust some high-speed trains and general-speed trains, Jiaozuo — Shenzhen North G75 changed to G549, Zhengzhou East — Guilin North G425/6 times changed to G439/40 times, Beijing West — Lanzhou West G427/8 was changed to G437/8, Beijing West — Lanzhou Z75/6 times changed to Z129/30 times, Luoyang — Ningbo K428/5 and K426/7 were changed to K168/5 and K166/7 respectively. Z182/3 Shenzhen East — Linhe is adjusted to Shenzhen East — Baotou.
In addition, the Ningqi Railway will run through the whole line for the first time. The Ningqi Railway will run 7.5 pairs of CR200J Fuxing power centralized EMU trains, and you can sit all the way from Qidong and Haimen to Nanjing. For the first time, two pairs of bullet trains were opened from Xiamen to Meizhou, and the fastest travel time of the railway was shortened from about 5.5 hours to more than 3 hours, further strengthening the exchanges between Fujian and Guangdong.
The newly-built Mei (Zhou) Shan (Tou) Railway will be put into operation. At that time, the D3286/7 and D3288/5 times from Hankou (Yichang East) to Xiamen North will be extended to the west end of Meizhou, and the trains will be changed to D3286/7/6 and D3285/8/5 times. The bullet trains from Wuhan will go directly to Zhangzhou, Chaoshan, Jieyang, Fengshun, Shejiang and Meizhou for the first time.
Health food will pay equal attention to production and management.
The Measures for the Administration of the Catalogue of Health Food Raw Materials and the Catalogue of Health Functions issued by the State Administration of Market Supervision will be officially implemented on October 1st.
The method clarifies the procedures and paths for the formulation, adjustment and publication of the catalogue of health food raw materials and the catalogue of health functions that are allowed to be claimed, changes the situation dominated by the government in the past, allows industrial enterprises to stand in the center of the catalogue and function research stage, and greatly encourages and promotes industrial R&D and innovation.
Food safety sampling inspection covers vending machines and unmanned supermarkets.
In August this year, the State Administration of Markets issued the newly revised Administrative Measures for Sampling Inspection of Food Safety, which will be implemented on October 1, 2019.
The "Measures" clarify that the market supervision and management department can refer to the provisions of these Measures on online food safety supervision and sampling inspection to organize sampling inspection for food operators without actual operators such as vending machines and unmanned supermarkets.
In addition, the results of supervision and sampling inspection and the information related to the verification and disposal of unqualified food should be recorded in the credit files of food producers and operators as required, and the information such as administrative punishment should be collected into the national enterprise credit information publicity system according to law. If there are serious violations of law and dishonesty, joint punishment shall be implemented according to regulations.
The first import of prepackaged foods labels was cancelled.
In order to facilitate the relevant import enterprises and further optimize the business environment at the port. On October 1st, China cancelled the filing of the first import label from prepackaged foods. Prepackaged foods refers to food prepackaged or made in packaging materials and containers.
It is worth noting that the cancellation of filing is not the cancellation of supervision. As one of the food inspection items, the imported prepackaged foods labels are inspected by the customs in accordance with the relevant laws and administrative regulations on food safety and import and export commodity inspection. Where the imported prepackaged foods is selected by the customs for on-site inspection or laboratory inspection, the importer shall submit its qualification certification materials, original and translated labels imported into prepackaged foods, Chinese label samples and other certification materials to the customs officers.
The customs suggests that consumers should try to buy imported food from formal channels, and they can ask the merchants for the Inspection and Quarantine Certificate of Entry Goods when purchasing. If consumers find that the imported labels from prepackaged foods are suspected of violating relevant regulations, they can report to the customs department.
Data Map: China Banking and Insurance Regulatory Commission. Zhongxin Jingwei Zhang Yihua photo
The words "deposit" and "savings" cannot appear on the insurance leaflet.
On August 27th this year, the official website of China Banking and Insurance Regulatory Commission released the Measures for the Administration of Commercial Banks’ insurance agency business (hereinafter referred to as the Measures), which regulated many details of commercial banks’ insurance agency business and came into effect on October 1st.
According to the Measures, all kinds of insurance documents and publicity materials should be obviously different from bank documents and publicity materials in terms of color, style and materials, and the Chinese and English words with the name of a commercial bank or the image logo of a commercial bank should not be used, and the words "deposit", "savings" and "jointly launched with the bank" should not appear.
Combined declaration of urban land use tax and property tax
Recently, State Taxation Administration of The People’s Republic of China issued the Announcement on Revising the Declaration Form of Urban Land Use Tax and Property Tax (hereinafter referred to as the Announcement). Since October 1, 2019, urban land use tax and property tax have been declared together.
The Announcement clarifies that the tax return, detailed tax reduction and exemption return and tax source list of urban land use tax and real estate tax will be merged into the tax return of urban land use tax and real estate tax, detailed tax reduction and exemption return of urban land use tax and real estate tax, and detailed tax source list of urban land use tax and real estate tax.
Data map. Zhongxin Jingwei Seimi Zhang photo
New local regulations
Hebei: Individual rental housing is subject to income tax of 5%-10% of the rent.
Hebei Provincial Taxation Bureau has standardized and improved how to pay individual income tax on individual rental housing in Hebei Province. If individual rental housing cannot provide cost, income tax will be levied at 5%-10% of rental income, and the new regulations will be implemented as of October 1.
Hebei stipulates that if an individual rents (sublets) a house and cannot provide legal and accurate proof of the cost and expenses, and cannot accurately calculate the cost and expenses of renting the house, the taxable income shall be verified within the range of 5%-10% of the rental income. The specific application ratio shall be determined by the municipal tax authorities. The municipal tax authorities refer to all districts and cities (including Dingzhou and xinji city) and xiong’an new area Taxation Bureau.
Official website, Hainan Provincial Housing Provident Fund Administration. Zhongxin Jingwei Seimi Zhang photo
Hainan: Adjustment of Renting and Withdrawing Provident Fund Business
From October 1st, Hainan clarified the definition standard of employee’s renting land and the number of months of renting, and reiterated that rental housing should have legal ownership requirements, further curbing the problem of paying employees’ fictitious renting consumption behavior to take housing provident fund.
Hainan stipulates that employees withdraw the housing provident fund to pay the rental. If the employee’s deposit place has not changed within the validity period of the rental withdrawal dating back one year from the date of issuance of the certificate of no housing, it is determined that the deposit place of the housing provident fund is his rental place, and the actual number of months that can be withdrawn from renting a house does not exceed the number of months of deposit; During the validity period, if the employee’s deposit place changes, the rental place shall be determined according to the deposit place, and the actual number of months that can be extracted from the rental house shall not exceed the number of months that the rental place is determined by the section; During the period of validity, if the employees stop paying, the rental place during the period of suspension will be determined according to the continuous deposit place before the suspension, and the number of months of suspension can be included in the actual rental months; The precondition that employees must pay in full for 3 months in a row when handling the rental withdrawal business refers to the deposit behavior that employees pay in full for 3 months every month when applying for rental withdrawal. Repayment is not recognized as continuous deposit.
Guangxi: Self-heating food is prohibited on trains.
The Regulations on Railway Safety Management in Guangxi Zhuang Autonomous Region (hereinafter referred to as the Regulations) will be officially implemented on October 1st.
The "Regulations" put forward clear requirements for passengers’ behavior, and included 14 kinds of behaviors that endanger the order and safety of railway stations and cars, such as dominating seats, staying on the platform, crossing the platform, using self-heating food, and spreading rumors. In addition, the "Regulations" also clarify that if passengers commit acts that endanger railway safety, they will be included in the untrustworthy system.
In addition, flying drones and flying kites within 500 meters along the railway and building plastic greenhouses in railway protected areas are prohibited.
Qinghai: The Measures for the Mediation of Price Disputes in Qinghai Province came into effect on October 1st.
On October 1st, the first provincial government regulation on price dispute mediation in Qinghai Province, the Measures for Price Dispute Mediation in Qinghai Province (hereinafter referred to as the Measures), will be officially implemented.
The Measures stipulate the subject, conditions, scope and time limit of price dispute mediation. The conditions of mediation include four aspects: "matters that fall within the scope of price dispute mediation, the parties to the dispute agree to mediation, have a direct interest in the disputed matters, and have clear mediation requests, reasons and factual basis". The "Measures" also stipulate that the mediation of price disputes should adhere to the principle of efficiency, and in general, it should be completed within 45 days from the date of acceptance.
Qingdao: "Reducing the certificate to facilitate the people", the administrative organ may not ask for the certificate repeatedly.
The Interim Provisions of Qingdao Municipality on the Administration of Certification Matters (hereinafter referred to as the Interim Provisions) shall come into force on October 1st. It is reported that the "Interim Provisions" have innovatively standardized many aspects of the management of certification matters, which is the first in China.
The "Interim Provisions" stipulates that citizens, legal persons or other organizations have submitted certificates that have entered the handling process when handling relevant matters, and the administrative organs responsible for the follow-up of the same government service matters shall not require citizens, legal persons or other organizations to provide them repeatedly.
Taiyuan: Ethanol gasoline will be widely used from October.
From October 1st, Taiyuan will fully promote the use of ethanol gasoline for vehicles. All gas stations are prohibited from selling non-vehicle ethanol gasoline to end users (except for military special needs and national and special reserve oil), and all vehicles will be sold ethanol gasoline instead.
According to the notice issued by the Shanxi provincial government, in order to further optimize the energy structure, reduce the emission of automobile exhaust pollutants and improve the ecological environment, Shanxi will promote the use of ethanol gasoline for vehicles step by step in the province, and pilot projects will be carried out in Taiyuan, Yangquan, Changzhi, Jincheng and other cities involved in the Beijing-Tianjin-Hebei air pollution transmission channel in 2019. (Zhongxin Jingwei APP)