全国人大代表姚劲波：建议提高个税减免幅度，刺激住房交易

\u003cdiv class=\"rich_media_content\"\u003e\u003c!--NO_AD_ERROR_2--\u003e\u003cp\u003e\u003cstrong\u003e21世纪经济报道记者张敏\u003c/strong\u003e\u003c/p\u003e \u003cp\u003e在当前的住房市场，\u003c!--VERTICAL_CARD_BEGIN_0--\u003e改善性需求\u003c!--VERTICAL_CARD_END_0--\u003e正在成为新动力。其中，改善性需求的释放，很大程度上取决于交易成本的降低和置换链条的打通。今年两会期间，全国人大代表、58同城董事长兼CEO姚劲波提出促进高质量充分就业、家政更好服务“一老一小”、激活改善性住房需求等三大类民生建议。其中，在激活改善性住房需求方面，共有三项具体内容。\u003c!--NO_AD_0--\u003e\u003c!--EOP_0--\u003e\u003c/p\u003e\u003c!--PARAGRAPH_0--\u003e \u003cp\u003e“过去大家问‘有没有房住’，现在问‘房子好不好住’。”姚劲波说，根据调查，住房需求正从“面积导向”转向“品质导向”。\u003c/p\u003e \u003cp\u003e他指出，当前“\u003c!--VERTICAL_CARD_BEGIN_1--\u003e卖旧买新\u003c!--VERTICAL_CARD_END_1--\u003e”市场正处于政策强力驱动的关键阶段。可以通过降低入市门槛和交易成本，有效激活二手房市场的流动性，从而打通新房与二手房的置换链条。\u003c!--NO_AD_1--\u003e\u003c!--EOP_1--\u003e\u003c/p\u003e\u003c!--PARAGRAPH_1--\u003e \u003cp data-mce-style=\"text-align: center;\" style=\"text-align: center\"\u003e\u003c!--IMG_0--\u003e\u003c/p\u003e \u003cp\u003e具体而言，姚劲波提出三项建议。\u003c/p\u003e \u003cp\u003e第一，提高个税减免的幅度。将新购住房的贷款利息纳入个人所得税专项扣除项目。扣除范围为纳税人本人或配偶在中国境内购房的商业及公积金贷款利息；扣除标准为按照每月 3000 元的标准定额扣除；扣除期限最长不超过240个月。此举旨在降低购房者的贷款压力，鼓励中高收入人群入市，提振改善性需求。\u003c!--NO_AD_2--\u003e\u003c!--EOP_2--\u003e\u003c/p\u003e\u003c!--PARAGRAPH_2--\u003e \u003cp\u003e第二，建立“\u003c!--VERTICAL_CARD_BEGIN_2--\u003e好房子\u003c!--VERTICAL_CARD_END_2--\u003e”项目信息披露制度，引导消费升级。围绕“好房子”安全、舒适、绿色、智慧四大导向，建议建立全流程信息披露机制。\u003c/p\u003e \u003cp\u003e具体而言，开发商申领预售许可前，须提交《好房子信息披露表》并经专家审核、获取唯一编号。同时强制列明可验证指标，生成“一案一码、终身绑定”的二维码，确保信息可追溯。项目信息须在网上房地产、主流平台及售楼处公示，购房者扫码即可获取完整内容。对真实披露且指标达标项目，可给予下调预售资金监管比例、公积金利率优惠、契税返还等激励，并优先推荐参评国家级奖项。\u003c!--AI_MID_AD_0--\u003e\u003c!--NO_AD_3--\u003e\u003c!--EOP_3--\u003e\u003c/p\u003e\u003c!--PARAGRAPH_3--\u003e \u003cp\u003e第三，继续推广和深化“\u003c!--VERTICAL_CARD_BEGIN_3--\u003e带押过户\u003c!--VERTICAL_CARD_END_3--\u003e”服务，降低置换门槛。在不动产登记领域持续推广“带押过户”模式，简化交易流程，缩短交易周期，降低\u003c!--SECURE_LINK_BEGIN_0--\u003e过桥资金\u003c!--SECURE_LINK_END_0--\u003e成本。鼓励各地完善配套规则，打通不同银行、不同性质贷款之间的业务壁垒，实现卖方在未结清原贷款的情况下即可完成过户、抵押变更和新贷款发放，进一步降低改善性住房需求的交易难度和资金压力，提升市场流通效率。\u003c!--NO_AD_4--\u003e\u003c!--EOP_4--\u003e\u003c/p\u003e\u003c!--PARAGRAPH_4--\u003e \u003cp\u003e“交易成本降一点，置换意愿就强一点，市场就活一点。”姚劲波说。\u003c/p\u003e \u003cp\u003e在另外两项议题中，姚劲波还建议，开展“全民AI技能与素养提升行动”；试点“失业风险预警系统”；将雇佣保姆费用纳入家庭个税抵扣范围等。\u003c/p\u003e\u003cstyle\u003e.rich_media_content{--news-tabel-th-night-color: #444444;--news-font-day-color: #333;--news-font-night-color: #d9d9d9;--news-bottom-distance: 22px}.rich_media_content p:not([data-exeditor-arbitrary-box=image-box]){letter-spacing:.5px;line-height:30px;margin-bottom:var(--news-bottom-distance);word-wrap:break-word}.rich_media_content .qn-editor-copy p:not([data-exeditor-arbitrary-box=image-box]){letter-spacing:unset;line-height:unset;margin-bottom:unset;word-wrap:unset}.rich_media_content{color:var(--news-font-day-color);font-size:18px}@media(prefers-color-scheme:dark){body:not([data-weui-theme=light]):not([dark-mode-disable=true]) .rich_media_content p:not([data-exeditor-arbitrary-box=image-box]){letter-spacing:.5px;line-height:30px;margin-bottom:var(--news-bottom-distance);word-wrap:break-word}body:not([data-weui-theme=light]):not([dark-mode-disable=true]) .rich_media_content .qn-editor-copy p:not([data-exeditor-arbitrary-box=image-box]):not(.qn-editor-copy){letter-spacing:unset;line-height:unset;margin-bottom:unset;word-wrap:unset}body:not([data-weui-theme=light]):not([dark-mode-disable=true]) .rich_media_content{color:var(--news-font-night-color)}}.data_color_scheme_dark .rich_media_content p:not([data-exeditor-arbitrary-box=image-box]){letter-spacing:.5px;line-height:30px;margin-bottom:var(--news-bottom-distance);word-wrap:break-word}.data_color_scheme_dark .rich_media_content .qn-editor-copy p:not([data-exeditor-arbitrary-box=image-box]){letter-spacing:unset;line-height:unset;margin-bottom:unset;word-wrap:unset}.data_color_scheme_dark .rich_media_content{color:var(--news-font-night-color)}.data_color_scheme_dark .rich_media_content{font-size:18px}.rich_media_content p[data-exeditor-arbitrary-box=image-box]{margin-bottom:11px}.rich_media_content\u003ediv:not(.qnt-video),.rich_media_content\u003esection{margin-bottom:var(--news-bottom-distance)}.rich_media_content hr{margin-bottom:var(--news-bottom-distance)}.rich_media_content .link_list{margin:0;margin-top:20px;min-height:0!important}.rich_media_content blockquote{background:#f9f9f9;border-left:6px solid #ccc;margin:1.5em 10px;padding:.5em 10px}.rich_media_content blockquote p{margin-bottom:0!important}.data_color_scheme_dark .rich_media_content blockquote{background:#323232}@media(prefers-color-scheme:dark){body:not([data-weui-theme=light]):not([dark-mode-disable=true]) .rich_media_content blockquote{background:#323232}}.rich_media_content ol[data-ex-list]{--ol-start: 1;--ol-list-style-type: decimal;list-style-type:none;counter-reset:olCounter calc(var(--ol-start,1) - 1);position:relative}.rich_media_content ol[data-ex-list]\u003eli\u003e:first-child::before{content:counter(olCounter,var(--ol-list-style-type)) '. 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