Some insiders believe that the loosening of real estate policy has expanded significantly this year. Suzhou and Nanjing relax restrictions on purchases or become the weather vane of the property market policy in hot cities. In the future, second-tier cities with greater downward pressure on the market will follow suit and even cancel the "four restrictions" (purchase restriction, loan restriction, sales restriction and price restriction).
The purchase restriction in two districts around Nanjing is relaxed.
On April 12, in response to the rumors that Nanjing released the purchase restriction, the Securities Times reporter asked the Nanjing Housing Security and Real Estate Bureau for verification. The relevant staff told the reporter that the purchase restriction policy in the main city of Nanjing has not changed, and foreigners still need to accumulate 24 months of social security certificates within 3 years to purchase the first suite. Subsequently, the reporter called the real estate management departments in Lishui District and Liuhe District of Nanjing respectively. Relevant staff said that the purchase restriction policy is being optimized, and foreigners do not need to provide social security certificates to buy the first suite.
Among them, the relevant staff of Liuhe District Housing Security and Real Estate Bureau said that when foreigners buy houses in Liuhe District, married people need to provide ID cards, marriage certificates, household registration books, birth certificates and household registration books for minor children; Unmarried people need to provide ID cards and household registration books, and can open a house purchase certificate in Liuhe District, but only if they can't have a house in Nanjing.
The relevant staff of the Housing Security and Real Estate Bureau of Lishui District also said that foreigners need to provide proof of buying a house in Lishui District, and married people need to provide ID cards, marriage certificates, household registration books, birth certificates and household registration books for minor children; Unmarried people need to provide ID cards and household registration books. "I bring the materials into the system and see that the system can pass." She said.
Previously, Nanjing's overall housing purchase policy stipulated that foreigners should provide social security certificates accumulated for 24 months within 3 years when purchasing the first suite. Now, when foreigners buy a house in Liuhe District and Lishui District, they only need to provide ID cards, household registration books and other materials, and no social security certificates are needed.
In this regard, Li, a senior researcher at the Guangdong Housing Policy Research Center, said that Nanjing, as a hot city, this measure to loosen the restrictions on purchases in the two peripheral areas represents the policy adjustment of this type of city. At present, the regulation of hot cities requires to follow the state of "doing something, not doing something". This time, Nanjing will liberalize external demand, gradually increase the market and guide expectations, and then observe the epidemic situation, market expectations and purchasing power recovery before making the next move. Generally speaking, the loosening of the periphery of hot cities is an inevitable trend.
Hot cities join the loose army
More and more cities have introduced new property market policies. The Securities Times reporter found out that since April, four cities including Quzhou, Qinhuangdao, Dalian, Mianyang, Lanzhou, Lishui, Taizhou, Anshun, Suzhou, Nanjing, Xianning, Jingmen, Huangshi and Yichang have loosened their housing purchase policies, involving purchase restriction, loan restriction, sales restriction, provident fund loans and mortgage interest rates.
Among them, on April 1 day, Quzhou canceled the purchase restriction policy and loosened the sales restriction policy, becoming the first city in China to relax the "two restrictions" at the same time.
Quzhou City Housing and Urban-Rural Development Bureau said that the main reason for introducing the New Deal is to support the commercial housing market to better meet the reasonable housing needs of buyers and promote the virtuous circle and healthy development of the urban real estate industry.
On April 5, Lanzhou introduced a number of measures to stabilize real estate and relax policies such as restricting purchases and loans, including lowering the threshold for individuals to purchase houses. The minimum down payment ratio of the first home loan is 20%, and that of the second home loan is 30%. Reduce the burden of personal housing consumption and purchase the second suite according to the first suite loan policy; In response to the needs of filial piety and old-age care, the regional purchase restriction policy will be relaxed.
On April 1 1 day, Suzhou's policy of restricting sales and purchases was relaxed. Among them, the restricted sale of second-hand houses is adjusted from 5 years to 3 years, and the restricted sale period of new houses remains unchanged; When a foreigner buys a house in Suzhou, social security (individual tax) can be accumulated for two years, and it is no longer necessary to pay for two consecutive years in three years.
In addition, Mianyang, Lishui, Anshun and other places have adjusted their provident fund policies. Chen Wenjing, director of market research in the Index Division of the Central Reference Institute, believes that the introduction of provident fund policies in various cities is the policy orientation of implementing the central government's support for reasonable housing demand. Some cities have strengthened housing support for families with two children and three children in combination with population policies, and increased the adjustment of demand side. In the future, more cities will follow up and optimize the adjustment of provident fund policies, such as reducing the down payment ratio and increasing the amount of provident fund loans. At the same time, the combination of housing policy and population policy is also an important direction.
Since the beginning of this year, many places across the country have intensively introduced real estate easing policies. According to the incomplete statistics of China Central Index Research Institute, in the first quarter, more than 60 cities issued real estate-related policies more than 100 times, mainly involving relaxing the purchase restriction policy, reducing the down payment ratio, granting housing subsidies, lowering the mortgage interest rate, canceling the sales restriction and providing financial support for housing enterprises. In March, Zhengzhou implemented the requirements of the central authorities and issued a new policy of "19", with the widest scope and the strongest policy. At the end of March, Fuzhou relaxed the purchase restriction, and Harbin cancelled the sale restriction.
It is worth noting that hot cities such as Suzhou and Nanjing have recently joined the "four limits" army.
Regarding the loosening trend of this year's policy, Li believes that the strength and scope of the recent property market rescue policy have been significantly expanded, and the strength has been upgraded from the previous purchase subsidy and the increase of the provident fund quota to loosening or canceling the purchase restriction and sales restriction, and restoring "leverage". For example, the standard for identifying the first suite has changed from "recognizing the house and recognizing the loan" to "recognizing the house and not recognizing the loan"; The scope has spread from third-and fourth-tier cities to higher-energy cities, such as Zhengzhou, Fuzhou, Lanzhou, Harbin, Suzhou and Nanjing.
Ding Zuyu, executive director of Shanghai Yiju Real Estate Research Institute, believes that the Yangtze River Delta has always been a "barometer" of the property market. Suzhou and Nanjing have relaxed their purchase restrictions or become the vane of the property market policy in hot cities. In the future, second-tier cities with greater downward pressure on the market will follow up or even cancel the "four limits", and pressure cities will be stimulated on the demand side. With the continuous release of relatively abundant improved demand, the real estate markets in cities are expected to stabilize in turn, and the market heat will be transmitted from first-tier cities to the last third-and fourth-tier cities in second-tier cities.