Fully rescue the market and boost market confidence.
The day before yesterday, Harbin Housing Provident Fund Management Center announced that from June 8 10, the continuous normal deposit period for applying for provident fund loans in Harbin will be restored from 6 months (inclusive) to 12 months (inclusive). At the same time, the calculation multiple of the loanable amount of provident fund personal housing loan is adjusted to 20 times of the balance of the provident fund account of the borrower (including the main lender and the applicant).
The Harbin Housing Provident Fund Center said that this move is to further enhance the support of the provident fund for rigid housing, improved housing demand and renovation of old residential areas, and give full play to the role of policy funds.
According to the Opinions, under the premise of ensuring the value of housing collateral, the housing age of second-hand housing provident fund loans will be relaxed from 20 years to 30 years, and the sum of the housing age and the housing age will not exceed 50 years. At the same time, employees who have paid provident fund in different places are allowed to apply for provident fund loans in Harbin, so that employees in different places can enjoy the same housing provident fund loan policy in Harbin. The personal loan age of housing provident fund for female cadres at county (department) level and female professional and technical personnel with senior titles was adjusted from 55 to 60. The housing subsidy policy is implemented, and the housing subsidy is paid in a lump sum in the form of money. The payment standard is 654.38+10,000 yuan for full-time doctoral students, 50,000 yuan for full-time master students, 30,000 yuan for full-time undergraduates and 20,000 yuan for junior college students (including technical colleges).
Jaco, dean of the branch of 58 Anjuke Real Estate Research Institute, said, first of all, this is a truly comprehensive rescue action taken by the government to boost market confidence.
According to the "Opinions", for qualified talents, the maximum subsidy for purchasing the first suite can be 65,438+10,000 yuan. Jaco said that this boost to the demand side is also divided into different grades, and there are corresponding policies to attract talents, which plays a great role in enhancing market confidence.
Secondly, relaxing the housing age of provident fund loans is good for replacing and improving people. The adjustment of second-hand housing provident fund loans can help many people replace their houses and reduce the pressure on buyers to buy houses.
The "Opinions" clarify that for development enterprises whose annual credit rating is green and blue, and for real estate development projects that have obtained land use rights before June 2022 1 and June 65438+February 3/20221,enterprises can apply for the pre-sale permit of commercial housing by building. 65438+before February 3, 20221,the real estate development projects that have been supervised by the pre-sale funds of commercial housing should be returned as soon as possible if they meet the return conditions.
Jaco pointed out that since the first half of last year, there have been some relaxation policies for developers, but they have been tightened since the second half of last year, especially in terms of capital supervision. The liberalization of this policy will promote the improvement of developers' cash flow, making developers more calm in the land acquisition stage and development process.
The effect of pattern rescue remains to be seen.
Unlike Harbin's official "rescue policy", many cities across the country have previously issued "price limit orders" to stabilize the market.
On the eve of the National Day, Zhangjiakou City, Hebei Province issued a "price limit order", stipulating that the newly obtained pre-sale permit projects should not be sold below 85% of the record price.
Previously, Yueyang, Guilin, Heze, Jiangyin, Zhuzhou, Tangshan and other cities have issued price limit orders to developers.
In sharp contrast, in order to prevent the market from overheating, Shanghai, Guangzhou, Shenzhen, Dongguan, Wuxi, Ningbo, Chengdu, xi 'an and other cities have issued second-hand housing guidance price policies, and Beijing Haidian District Real Estate Agents Association has also issued second-hand housing guidance prices in some hot areas.
Jaco said that according to the data released by the Bureau of Statistics, in recent months, the number of cities with declining housing prices has been increasing, and the pressure on housing enterprises to reduce debts has also been increasing, which has led to the accelerated shipment pace of housing enterprises in some cities or regions and the increase in price reduction and promotion. Once the price reduction tide is triggered, it will trigger a chain reaction, which will greatly affect the orderly development of the real estate market, the land market and the local economy.
Lin Bo, general manager of Ke Rui Research Center, said that limiting the decline can be regarded as a measure for local governments to support the market, because without intervention, many cities' markets have entered signs of collapse. After all, the local government's rescue measures are limited. Generally speaking, it is to give some subsidies for buying houses, and at the same time, it is limited to the level of talents, and some reductions and exemptions are made in deed tax value-added tax.
Jaco said that due to market differentiation, some cities' markets are facing rapid cooling, and even house prices are falling rapidly, which is not conducive to the overall stability of the property market. Therefore, it is necessary to introduce corresponding policies to adjust. The stability of the property market can neither make it rise irrationally nor let it fall too fast.
However, Lin Bo pointed out that this rescue will play a certain role in stabilizing the market, but it is not attractive to developers. Especially for brand-name housing enterprises with national layout, even if the conditions of land transfer fees are relaxed under the current market situation, it is unlikely to increase investment, and the actual effect remains to be seen.