In the easing policies introduced in various places, many cities have increased the maximum loan amount of housing provident fund to support rigid and improved housing demand, among which the maximum loan amount of multi-city provident fund loans can basically cover the amount of just-needed housing purchases.
According to the incomplete statistics of the paper, in cities that have increased the amount of provident fund loans, taking the first suite 100 square meter purchased by employees (including families) as an example and referring to the average price of local new houses, at least the maximum amount of provident fund loans in Xinyang, Nanyang, Shangqiu, Yongzhou, Jilin, Changchun, Lu 'an, Hengshui, Anhui, Pu 'er, Qiandongnan, Jingdezhen, Jiangxi, Gao 'an and other places in Henan can be reached.
Yan Yuejin, research director of the think tank center of Yiju Research Institute, said that the amount of provident fund loans is more sufficient, and with the support of various supporting policies including "one person buys a house and the whole family helps", it is easier and more sufficient for buyers to make provident fund loans, which can better cover housing prices and reduce the pressure of down payment and monthly payment. At the same time, the interest rate of provident fund loans is lower than that of commercial loans. Therefore, increasing the amount of provident fund loans is generally conducive to reducing the cost of buying houses, activating the demand for buying houses and creating a better environment for buying houses in the second half of this year.
The loan amount of multi-city provident fund can basically cover all the house payment.
Taking Xinyang, Henan Province as an example, on July 6, the Office of Xinyang Municipal People's Government of Henan Province issued the Notice on Printing and Distributing Several Measures to Promote the Stable and Healthy Development of Xinyang Real Estate Market. The notice mentioned that if a single person or a couple only pays the housing provident fund, the maximum loan amount will be raised from 400,000 yuan to 600,000 yuan when buying a house, and the maximum loan amount will be raised from 480,000 yuan to 650,000 yuan when buying an assembled commercial house. If both husband and wife pay the housing provident fund, the maximum loan amount will be raised from 500,000 yuan to 800,000 yuan when buying a house, and from 600,000 yuan to 850,000 yuan when buying an assembled commercial house.
This also means that the maximum amount of Henan Xinyang provident fund loan is 850,000 yuan.
Compared with the local housing prices in Xinyang, Henan Province, the data of Anjuke platform shows that the average price of new houses in Xinyang in July was 6002 yuan/square meter, up 0. 1% from the previous month, and there are currently 183 sets of houses for sale. According to this rough calculation, taking the purchase of the first house of 100 square meter as an example, the total price is about 600,200 yuan.
In other words, even if you don't buy prefabricated commercial housing, the loan amount of Xinyang Provident Fund can basically cover the amount needed for families whose husband and wife have paid the housing provident fund.
Similarly, in Henan Province, the cities where the amount of provident fund loans can cover the purchase amount are Shangqiu and Nanyang.
Among them, the Housing and Urban-Rural Development Bureau of Shangqiu City, Henan Province issued the Notice, proposing to increase the amount of provident fund loans and issue housing subsidies.
According to the Notice, Shangqiu City will increase the amount of provident fund loans. If the applicant meets the housing provident fund loan conditions, the maximum loan amount will be adjusted from 400,000 yuan to 500,000 yuan; If both husband and wife meet the housing provident fund loan conditions, the maximum loan amount will be adjusted from 600,000 yuan to 700,000 yuan.
On the other hand, the average price of new houses in Shangqiu in July, according to the data of Anjuke platform, the average price of new houses in Shangqiu in July was 56 15 yuan/square meter, down 0.25% from the previous month, and the houses currently on sale were 143 sets. According to this rough calculation, taking the purchase of the first house of 100 square meter as an example, the total price is about 5610.5 million yuan.
The amount of provident fund loans in Changchun, Jilin, Lu 'an and Hengshui, Hebei also accounts for a higher proportion of the total purchase price.
According to the new policies issued by various places, before June 5438+February 3 1 in 2022, the maximum amount of a single new commercial housing loan in Changchun was 900,000 yuan, and that without a borrower was 600,000 yuan. The average price of new houses in Changchun in July was 9 162 yuan/m2.
According to Lu 'an's policy, from June 23, 2022 to February 30, 2023, Lu 'an will gradually increase the maximum loan amount of housing provident fund, from 600,000 yuan to 700,000 yuan for dual-employee families and from 400,000 yuan to 500,000 yuan for single-employee families. House price information shows that in July, the average price of new houses in Lu 'an was 66 1 1 yuan/square meter.
Industry: The incitement to purchasing power is relatively direct.
At the end of optimizing the provident fund policy, according to the incomplete statistics of Zhuge Housing Search Data Research Center, up to now, over 90 cities have moderately relaxed the provident fund loan policy. In addition to the basic measures such as increasing the amount of provident fund loans and reducing the down payment ratio, they also put forward innovative policies such as buying a house by one person and helping the whole family in combination with the birth policy. The scope of the audience is also moderately liberalized, which is beneficial to buyers and has certain positive significance for boosting market confidence.
Jaco, Dean of the Branch of Anjuke Real Estate Research Institute, pointed out that the adjustment of provident fund policy has a relatively direct impact on purchasing power. From the perspective of specific landing cities, the actual effect of provident fund adjustment in cities below the third and fourth lines is more obvious, especially when provident fund loans account for a high proportion of the total house payment, which is more conducive to stimulating the market, while the single effect in first-tier cities and some second-tier cities is not obvious, and it is necessary to combine various policies to play a certain role.
Guan Rongxue, an analyst at Zhuge Housing Data Research Center, mentioned that in 2022, the property market policy continued to release improvement signals, more and more cities joined the loosening army, and the measures for loosening policies in various places became more and more diverse. Among them, with the increasing proportion of people enjoying the provident fund policy, increasing the amount of provident fund loans will promote the release of reasonable housing demand from the source of alleviating the financial pressure of buyers, effectively enhance the purchasing sentiment of the property market, and then have a positive effect on destocking and boosting confidence of cities and housing enterprises, and will also effectively resist the intrusion of real estate speculation and other issues. However, it is undeniable that with the frequent introduction of easing policies, the marginal effect of policies will gradually weaken. At the same time, the policy effect has a great relationship with the urban fundamentals. For cities with poor fundamentals, high inventory pressure and slow de-melting, the actual effect of easing policy may be limited.