On April 25, Hefei Housing Management Bureau responded to the policy of "under 35 years old" just buying a house for the first time: "People over 35 years old are not excluded from buying a house, but can participate in ordinary lottery buying houses."
This stems from the relevant contents of the Notice on Further Promoting the Stable and Healthy Development of Hefei Real Estate Market (hereinafter referred to as the Notice) disclosed by official website of Hefei Housing Security and Real Estate Administration on April 5. The main contents of the "Notice" involve the purchase restriction of second-hand houses, the "three-year sale of new houses" and the time limit for the degree of school districts.
In recent years, Hefei has become one of the fastest rising cities in China, and it is urgent to introduce new policies to cool the property market. However, linking the qualification of buying a house with the age condition will lead to the discussion of hot topics such as "middle-aged crisis" and "career crisis" on the Internet.
Some insiders pointed out that the long-term regulation of the property market should not only "patch", but also strengthen enforcement. Compared with the first quarter, although the market enthusiasm has subsided, the expectations of buyers are still high. Therefore, the coverage of property market regulation in various places has increased significantly, and the content of regulation has become more detailed.
New Deal Responds to Market Changes
On April 25th, Hefei Housing Authority explained that "groups under the age of 35 have priority to participate in hot property lottery" involved in the New Deal in early April. The original intention is to consider that this group has not been working for a long time and has limited savings. They can participate in the first batch of people who just need to shake the number, and they can buy houses according to the minimum down payment ratio, thus reducing the pressure on young people to buy houses. He also said that in response to the opinions put forward by netizens, the Housing Authority is seriously studying with relevant departments and will further improve relevant policies when necessary.
2 1 Century Business Herald The reporter learned from local insiders that after the New Deal in Hefei, something new happened in the market. For example, the once-hot second-hand school district housing market began to swing; The real estate that needed to bind the parking space before does not need to be bound now.
The above-mentioned insiders also pointed out that the rapid rise of housing prices in Hefei in just a few months before the New Deal was the result of market accumulation in the previous two years. The new deal rules for the skyrocketing school districts are also the result of the phased changes in the property market. The price limit of new houses has been strictly enforced, and the increase is not as obvious as that of second-hand houses.
Responding to the changes in the property market in Hefei's New Deal, Shanghai's refinement in the lottery policy. On April 25th, the website of Shanghai Real Estate Exchange Center "Online Real Estate" announced 47 new commercial housing projects recently. This batch of centralized supply houses is close to10.4 million sets. Once the pre-sale certificate is approved, it can be listed and traded. Shanghai Housing Authority issued the Detailed Rules for the Subscription of Commercial Housing (Sample) (hereinafter referred to as the Detailed Rules for Subscription).
The subscription rules not only clearly put the subscription time and place on the front page of the document, but also list the identity, marriage, family relationship proof materials, house purchase qualification proof materials and capital proof materials that the subscriber needs to submit one by one, and say: "The subscriber only provides the listed materials, and if the developer requests to increase the subscription materials, it must be reported to the district housing management department for approval."
Lu Wenxi, an analyst of Shanghai Zhongyuan real estate market, believes that the continuous management of commercial housing sales put forward by the relevant departments shows that the regulatory authorities have grasped the new phenomena and problems in the property market quickly and the disposal plan is timely.
Recently, Shanghai New Disk took the initiative to "transfer customers", that is, after the sales staff contacted the customers actively and asked about the specific situation of the customers, they suggested that the customers "adjust" their subscription intentions on the grounds of the probability of participating in the lottery.
Lu Wenxi pointed out that increasing supply in Shanghai is in line with the current increase in demand in Xiaoyangchun sales season, effectively curbing the contradiction between supply and demand in the market. Secondly, from the perspective of real estate prices entering the market, it is basically stable, which can play a role in stabilizing market expectations.
The Subscription Rules show that the local government has increased the punishment for developers to set up obstacles to "screen" customers through strict sales management, which is also a way to protect the legitimate rights and interests of real buyers in the case of new changes in the property market.
Hangzhou has also introduced policies for some new situations in the property market. Previously, the loophole in Hangzhou's talent purchase policy was that high-level talents could buy two suites for singles. On April 13, Hangzhou issued a new policy of "blocking the leak" in the property market, clarifying the policy of purchasing a second set of housing for high-level talents, which is basically the same as that of ordinary buyers.
Previously, Chengdu, Xi 'an and other places increased the regulation of the property market. According to the statistics of Central Plains Real Estate Research Center, as of mid-April of 20021year, the number of real estate control policies has exceeded 160 this year. In March, the number of real estate control policies was as high as 48.
45 times in February, all exceeding 42 times in 65438+ 10.
Regulation is becoming "refined"
The regulation shows a trend of refinement, and operating loans and school districts are the starting points for the recent fine regulation of the property market. For example, the recent crackdown on the use of new houses and the registration of new enterprises to obtain business loans in a short period of time is very strong. Regulation is not limited to hot cities such as Shanghai, Hangzhou and Nanjing. This wave of regulated cities is distributed outside the metropolitan area of first-tier cities and strong second-tier cities, including Hefei and Xuzhou. The rise in house prices has entered the scope of regulation.
Taking the housing policy of Hefei school district as an example, in order to accurately crack down on the speculation of second-hand housing and school district housing in some areas, Hefei's New Deal in April further tightened the purchase restriction policy of second-hand housing in some areas of Hefei on the basis of strictly implementing the previous policies, that is, suspended the purchase of second-hand housing in designated schools such as Binhu New District, Government Cultural New District and High-tech Industrial Development Zone by households with two or more houses in the urban area. Among them, the scope of school districts shall be subject to the school district division plan of the education authorities in 2020. If the division of school districts is adjusted in the later period, the scope of purchase restriction will be adjusted accordingly. According to the monitoring of real estate market transactions, the scope of second-hand housing purchase restriction will be adjusted in a timely manner in areas where abnormal transactions occur.
In terms of school district use, Hefei is also refined as "on the basis of implementing Hefei's current compulsory education enrollment policy, the same set of housing will be implemented from the time of new enrollment in 2002 1 year, and only primary schools 1 degrees in the school district can be enjoyed within six years, and only junior high schools1degrees in the school district can be enjoyed within three years, except for multiple births and two children who meet the requirements of laws and regulations".
Zhang Dawei, chief analyst of Zhongyuan Real Estate, believes that the real estate regulation and control policy blew out in the first quarter of 2002/KLOC-0, and the Ministry of Housing and Urban-Rural Development reorganized intermediary, operating loans and land supply as new features. Operating loans are the main reason for this round of property market rise.
Before 20 19, it is unlikely to use commercial loans to buy a house because it is unprofitable. Generally speaking, operating loans will be paid off in 1-3 years, and the interest rate is much higher than that of mortgage loans. In this case, most people will not use commercial loans to buy a house.
But by 2020, because of special policies, the operating loan cycle is getting longer and longer, and the interest rate is much lower than that of mortgage loans, so buyers and banks have the idea of moving into the building with operating loans. This year, the Shanghai and Hangzhou markets are full of high-end properties that suddenly caught fire. Because the second-hand price is upside down, there is a huge spread, and bank loans inevitably flow to real estate.
Zhang Dawei pointed out that the core reason of operating loans flowing into the property market is closely related to the spread of mortgage loans and the fact that banks are both athletes and referees in the process of lending. From the bank's point of view, the risk of operating loans is relatively higher than that of mortgage loans, but the interest rate of operating loans is lower than that of mortgage loans, so the implementation of banks is distorted, which encourages operating loans to enter the property market in disguise.
Insiders also pointed out that the refinement and effectiveness of supervision will take time, and the management of operating loans is still in the process of landing.
Before the implementation of the New Deal, all parties in the market still had inertia. For example, housing enterprises will still flock to the land market before centralized land supply is officially implemented in various places. In the last fight, housing enterprises have to pay for high land prices.
On April 9, Xuzhou Housing and Urban-Rural Development Bureau, Municipal Development and Reform Commission, Municipal Natural Resources and Planning Bureau and other seven departments jointly issued the Notice on Several Measures for Further Promoting the Stable and Healthy Development of the Urban Real Estate Market, which involved the principle of land transfer and auction, and implemented "two concentrations" of land supply: centralized announcements, with no more than four announcements on the bidding, auction and hanging of residential land throughout the year, and the land supply for each case was not less than 1 1,000 mu at intervals.
In the past two years, Xuzhou land market has frequently seen high premium land transactions. Of the 9 land sold since April, 5 have a premium rate of over 80%. Sunac, Rong Sheng, Country Garden, Silver City, Midea and China-Austria all made some gains.