Taking Xiamen as an example, the New Deal included forward delivery in the scope of purchase restriction, and at the same time adjusted the term of new houses to five years, compared with only two years before.
In other words, within the validity period of this policy, if you buy a new house in Xiamen Island, according to the current market delivery cycle, it will take 2 years from signing the contract to delivering the house and obtaining the certificate, and then the sale will be limited to 5 years, and the newly sold house will be locked for 7 years at the shortest. This will largely curb the investment speculation demand of buyers and reduce short-term speculation in the market.
On the other hand, in order to stimulate the activity of the second-hand housing market, Zhongshan and Zhuhai, important cities in the Pearl River Delta, have recently adjusted the taxes and fees for second-hand housing transactions. The transaction tax of second-hand houses in Zhongshan and Zhuhai was reduced from 2% to 1%, and the non-residential transfer tax was directly changed from the previous complicated algorithm to the approved tax rate of 1.5%, and the approved collection rate of second-hand non-residential individual transfer land value-added tax was adjusted to 5%.
In an interview with Business Daily, Li said that the recent tax adjustment policies in Zhongshan and Zhuhai are different from those in Haikou and Xiamen. In essence, the policy is implemented according to the market, which is guaranteed and stressful. In addition, we can also see that apart from some hot second-hand housing transactions in first-and second-tier cities, the second-hand housing market in other third-and fourth-tier cities is very inactive, and even house prices have fallen.
Xiamen and Haikou "upgrade"
Recently, Xiamen issued the Notice of Xiamen Housing Security and Housing Administration and other five departments on further strengthening the regulation of the real estate market, and related interpretations of two heavyweight documents.
Compared with before, this new policy has expanded the scope of purchase restriction and sales restriction, emphasizing four points: those who require to participate in the auction should determine in advance that they have the qualification to purchase houses in this city, so as to prevent circumventing the purchase restriction policy and plugging policy loopholes through "auction"; Newly purchased first-hand houses on the island can only be listed and traded after obtaining the property right certificate for 5 years; According to the changes in the market situation, timely and appropriately adjust the minimum down payment ratio and the minimum loan interest rate of housing loans; Commercial and residential land shall be sold comprehensively by means of price limit, land price limit, fixed allocation and construction, fixed quality and lottery.
Liu ling, a local citizen, thinks that the policy of restricting sales and purchasing is good news and reasonable for the urgent need and improvement, but it is intriguing to adjust the period of restricting sales of first-hand houses on the island. However, according to the actual situation of the current market, the first-hand housing in Xiamen Island can not really be needed and improved, and the purchase restriction is the right medicine.
While the adjustment and upgrading are popular in the market, there are also views that it is not enough for Xiamen to sell for only five years, and the highest guiding price should be set within five years to calm the agitation of the housing market. The plates outside the island are also very large. It is necessary to check the purchase in the name of the enterprise and repeat the mortgage loan to participate in real estate speculation.
Consistent with the direction of Xiamen's property market regulation and upgrading, the General Office of Haikou Municipal Government recently issued a new policy, canceling the previous provision that "you can buy two houses from the day you settle in Hainan Province and enjoy the same treatment as local residents", and requiring talents who have settled in Hainan Province to provide proof that they have paid taxes or paid social security 1 set of houses in Haikou before buying them.
Talents who have not settled down can buy 1 housing in Haikou City if their family has no housing in Hainan Province and they need to provide proof of tax payment or social security payment for 24 months or more in Hainan Province.
Jaco, dean of the branch of Anjuke Real Estate Research Institute, believes that the adjustment itself is related to the recent cooling of the property market, and its role is to maintain the stability of the local property market. However, from the actual situation, the policy of mortgage itself is still in a relatively high-pressure state, and the impact of purchase restriction and financial-related policies on the property market is more obvious. Relevant policies will not change in the short term, and the cooling trend of the property market may continue.
Zhongshan and Zhuhai were "downgraded"
Not all cities can become hot cities and upgrade their control policies.
According to Xitai data, in August of 20021year, among the 3 15 sample cities in China, 106 house prices fell year-on-year, and 189 house prices fell month-on-month.
Different from Xiamen and the upgrading of air and sea regulation, the New Deal in some cities is to activate the second-hand housing market.
As important cities in the Pearl River Delta, Zhongshan and Zhuhai have recently adjusted their transaction taxes and fees. The transaction taxes and fees for second-hand houses have been lowered from 2% to 1%, and the taxes and fees for non-residential transfer have been directly changed from the previous complicated algorithm to the approved tax rate of 1.5%. The approved collection rate of value-added tax for personal transfer of second-hand non-residential land has been adjusted to 5%.
In fact, the macro background of Zhuhai and Zhongshan can be seen from the land auction and transaction in the first half of the year. According to the statistics of Zhuhai World Union Market Research Center, in the first half of 200212002, there were 5 commercial and residential places, and 7 transactions were made, covering an area of 495,000 square meters. The floor price of commercial and residential land is 9283 yuan/square meter, which is 30.45438+0% lower than the same period of last year. In the first half of 200212005 new houses were supplied, up by 28.36% year-on-year. The supply in the first half of 2002 was at a higher level than that in the same period last year.
Li said that most cities in Linshen mainly focus on investment demand, and the recent tightening of bank loans and the suspension of bank loans have led to a decline in the second-hand housing market. The decline of second-hand houses has a great impact on new houses. To some extent, the government also hopes to activate the second-hand housing transaction through tax reduction, reduce the transaction cost of second-hand housing, and thus drive the intention of the entire property market transaction.
According to Jaco's analysis, the adjustment of personal second-hand housing transfer tax is mainly aimed at the mobility of second-hand housing. Reducing taxes and fees in circulation can improve the heat of the second-hand housing market and reduce transaction costs. From Zhuhai and Zhongshan, the spillover demand of Greater Bay Area is relatively high, and the proportion of investors is relatively high. The local demand is not enough to support the overall local supply, but the impact on the market simply by adjusting the transaction tax is relatively limited.
State Taxation Administration of The People's Republic of China Zhongshan Taxation Bureau said that the background of this adjustment is to fair the tax burden of second-hand houses, improve the convenience of tax collection and management, reduce the cost of tax collection and management, and improve tax compliance and social satisfaction.