Purchase restriction upgrade
The "Notice" stipulates that registered families who have settled in this city for less than 5 years can only purchase 1 apartment within the scope of the city's purchase restriction if they have paid urban social security for 24 months continuously from the 2 years before the date of purchase; Families who are not registered in this city can only buy 1 house within the scope of purchase restriction in this city after paying urban social security or personal income tax continuously for 48 months from 4 years before the date of purchase.
In terms of sales management of newly-built commercial housing, it is stipulated that when the newly-built commercial housing project is sold in public by notarization and lottery, if the ratio of the number of registered families who intend to buy houses to the number of publicly-sold houses is greater than or equal to 10: 1, families without houses will be sorted according to the number of months of social security payment, while families with high-level talents will be ranked first by B, C, D and E. If more than 1 registered families with purchase intention reach the minimum number of social security months, they will be shortlisted for lottery, and the calculation method of social security payment time for registered families with purchase intention will be strictly stipulated.
Yan Yuejin, research director of the think tank center of Yiju Research Institute, told the National Business Daily that there were two changes after the new regulations. First, those who did not have actual social security in the past will face purchase restrictions; Second, the social security payment period for foreign household registration has been upgraded from 2 years to 4 years. At the same time, whether it is a family without a house, an ordinary family or a high-level talented family, the ranking system should be adopted when registering the intention to buy a house, which is helpful to ensure that buyers who have paid social security for a long time have priority in buying a house. Previously, Wuhan implemented the room ticket system, which was actually an optimized version of the registration system of purchase intention.
Intensive supervision
Over the past six months, Hangzhou has been under constant control. At the beginning of the year, the New Deal required that the sales of batches with a winning rate lower than 10% should be restricted for five years, and the sales restriction policy should be upgraded to prevent high-end project speculation.
In March, the policy of "two centralized land supply" landed, but the land market was hot to the boiling point, and the enthusiasm of real estate enterprises was high. They did not hesitate to sacrifice the profit rate to compete for self-sufficiency, and even the peripheral township plots were sought after.
In May and June, the interest rate of individual housing loans was raised twice. At present, the personal first home loan interest rate in Hangzhou has risen to a five-year historical high of 6.25%. Kerry's report shows that the second-hand housing market in Hangzhou is greatly affected by fluctuations. In July, the transaction volume has dropped by nearly half, and most of the houses are listed at reduced prices.
On July 13, Hangzhou Planning and Natural Resources Bureau issued an internal notice to stop the "homestead business villa" in the tenth district of Hangzhou.
Under successive regulation, the heat of the new residential market has not cooled down, and hot projects in the main city are still hard to find.
A room is hard to find.
The overall performance of the new housing market in Hangzhou in the first half of the year is summarized as follows: the continuous tightening of policies has not only curbed market speculation, but also aggravated the anxiety of buying a house; At the beginning of 20021,hot projects opened intensively and the supply surged; In May, the official data adjusted the sales status of the sold houses. As a result, the transaction volume surged in May.
Source: Yiju Research Institute Think Tank Center
According to the data provided by the think tank center of Yiju Research Institute, the supply of new residential buildings in Hangzhou has always been less than the demand in the past six months. With the sharp increase in transactions in May, the supply-demand ratio reached a rare low of 0.27.
From the data point of view, in the past year, the number and area of new houses in Hangzhou market are smaller than the actual transactions. The "low winning rate" in the red market has become the norm in the property market, while the transaction price has remained stable under the price limit policy. From the trend point of view, it is still difficult to restrain the enthusiasm of buyers.
In view of all kinds of irregular operations in the sales of new houses caused by overheated market, the Notice further clarifies that in urban areas, if buyers provide false information, conceal the real situation or maliciously interfere with the sales of notarization lottery, they will stop the registration of purchase intention and online signing of contracts for new commercial houses within three years.
In the second half of the year, hot cities including Hangzhou filled policy loopholes one by one through new regulations. What changes have these regulations shown? What changes will it bring to the market?
Yan Yuejin said, "In the second half of the year, real estate regulation showed three characteristics. First, the initiative of local government regulation has increased. Recently, local governments have been finding and solving problems in time to really promote the healthy development of the market. Second, the' granularity' of regulation and control has been significantly enhanced, that is, it has been continuously refined, and various practices of exploiting policy loopholes have been continuously discovered to carry out all-round regulation and control. Third, focus on some new areas of real estate speculation, such as talent purchase, intention registration, local household registration purchase and so on. Affected by this, the probability of cooling down the real estate market will increase in the second half of the year, especially in key cities in the first and second tier and overheated third and fourth tier cities. "