On March 30, the newspaper confirmed from Fuzhou Real Estate Trading Center in Fujian Province that it is no longer necessary to provide social security or tax payment certificates or settle down in the main city of Fuzhou, and it is already possible to handle the transfer procedures.
Fuzhou has six districts including Gulou, Taijiang, Cangshan, Jin 'an, Mawei and Changle, and six counties including Minhou, Lianjiang, Luoyuan, Minqing, Yongtai, Pingtan and Fuqing.
Earlier, some media reported that non-registered families (including Hong Kong, Macao and Taiwan) in the fifth district of Fuzhou can buy a set of ordinary housing below 144 square meters without providing medical social security or tax payment certificates for nearly two years 12 months or settling down. After buying a house, the house is still affected by the restricted sales policy. In addition, Changle household registration is also a local household registration in Fuzhou, and buyers with Changle household registration can buy two houses in the five districts of Fuzhou.
Fuzhou Real Estate Trading Center said that the rules and documents such as how many sets to buy and sales restrictions have not yet been issued, but the relevant procedures can already be handled.
Jaco, dean of the branch of 58 Real Estate Research Institute, pointed out that Fuzhou has the basis to relax the purchase restriction. Judging from the market in Fuzhou, the land market is still at a low level. In the first batch of centralized land transfer activities in 2022, 2 plots of 17 were auctioned, 3 were cancelled and only 4 were sold at a premium. At the same time, the cycle of commercial housing decontamination is long, and the cycle of commercial housing decontamination in the five districts is nearly 20 months, and the trend of oversupply in the market is still obvious. In this context, moderately relaxing the purchase restriction is conducive to the balance between supply and demand in the market, and is more conducive to alleviating the structural pressure of supply. In addition, Fuzhou has not completely relaxed the purchase restriction. From the perspective of relaxation, there are certain requirements for the area, emphasizing ordinary houses below 1.44 square meters, in order to ensure more demand for the first set of just-needed types.
According to the incomplete statistics of the paper, since March, Fuzhou, Zhengzhou, Harbin, Qingdao Jimo and other places have cancelled restrictive measures such as restricting purchases and sales.
Many cities have cancelled restrictive measures such as purchase restriction and loan restriction.
In March of this year 1, Zhengzhou fired the first shot of "canceling the purchase restriction" and announced the cancellation of the "policy of recognizing houses and loans".
Zhengzhou issued the "Notice on Promoting the Healthy Development of the Real Estate Industry", clearly proposing to reduce the personal housing consumption burden. Guide Zhengzhou financial institutions to increase the supply of personal housing mortgage loans and reduce the interest rate of housing loans. For families who own a house and have settled the corresponding housing loans, in order to improve their living conditions, they apply for loans to buy ordinary commercial housing again, and banking financial institutions implement the first home loan policy. This also means that Zhengzhou officially canceled the "policy of recognizing houses and loans".
At the same time, Zhengzhou took the lead in relaxing the purchase restriction policy. According to the notice, in order to meet the needs of the elderly for home care, children and close relatives who work and live in Zhengzhou should encourage the elderly to come to visit relatives and support the elderly, and allow them to rely on their families to buy new houses.
The Housing and Urban-Rural Development Bureau of Harbin issued a notice on March 23rd, saying that with the approval of the municipal government, the Notice of the General Office of Harbin Municipal People's Government on Further Strengthening the Regulation of the Real Estate Market (Harbin Office [20 18] 12) has completed the phased regulation task and intends to be abolished.
This also means that the "implementation of regional sales restriction policy" and "implementation of regional purchase restriction policy" in the above notice are abolished. The above-mentioned notice issued on May 5, 2008+2065438 put forward five measures to tighten the property market, such as strengthening the land supply in Harbin, implementing the regional purchase restriction policy, improving the loan conditions of provident fund, strictly implementing the differentiated housing credit policy, and strengthening the supervision of the real estate market. Among them, in the six districts of the main city (Daoli District, nangang district, Daowai District, Xiangfang District, Pingfang District and Songbei District), the cancellation authority of the online contract filing information of the construction unit is cancelled, and all newly purchased commercial houses are not allowed to be listed and traded within 3 years from the date of signing the online contract of commercial houses. Commercial housing obtained through judicial decisions, gifts between immediate family members and inheritance. Not restricted by the provisions of the preceding paragraph.
What is the essence of regulating and loosening cities?
Guan Rongxue, an analyst at Zhuge Housing Data Research Center, pointed out that at present, Zhengzhou, Harbin, Fuzhou and other cities have cancelled the restrictive policies of restricting purchases and sales. The reasons behind this mainly include two aspects. First, it is related to the urgency of the situation to be solved, such as the weak performance of the property market and the low market sentiment. Restrictive policies are often clearly relaxed, relatively strong, and the expected effect is obvious; Secondly, it is related to the characteristics of cities and policies. Restrictive policies are usually formulated and implemented by local governments, so cities are more operable when adjusting these policies, which is also to reduce costs.
Guan Rongxue pointed out that due to the current weak performance of the property market, market confidence has not improved significantly, and the local property market is in urgent need of bail-out. In addition, the recent epidemic rebound situation is more serious, which has added a lot of resistance to the property market transaction activities. Reasonable and moderate adjustment policies are conducive to guiding the healthy and benign development of the real estate market, so it is not excluded that more cities with weak real estate market will follow up and adjust restrictive policies.
Jaco pointed out that taking Harbin as an example, Harbin and many cities with deep cooling have a * * * nature, that is, the market supply and demand are in a long-term imbalance, and the market supply has obviously exceeded the demand in the past five years, which will lead to two results. First, the commercial housing market has been in a long-term downturn, and the demand for self-occupation is seriously overdrawn. Second, the cooling of the land market has accelerated, and the confidence of housing enterprises in land acquisition is also obviously insufficient. Therefore, the policy of controlling supply and increasing demand has a more direct impact on the market, and will also stimulate the demand for self-occupied housing to actively enter the market.
Zhengzhou suffered from epidemic and flood last year, and the real estate market and enterprises also suffered great pressure. The insiders believe that the introduction of Zheng 19 will help stabilize the market in an all-round way, promote reasonable demand to enter the market, and ensure the stability of corporate cash flow.
Industry: restrictive measures have entered a new round of "exit tide"
Li, chief researcher of Guangdong Housing Policy Research Center, believes that restricting sales, purchases and loans is a short-term regulation behavior. When the property market is booming, restrictive measures will be initiated or strengthened (such as adjusting the sales restriction from 3 years to 5 years); On the contrary, restrictive measures will be weakened or revoked. At present, the property market in various places has declined obviously, which has affected the normal cycle of the whole chain. From land sales, construction, sales and completion, it has been greatly impacted, and the virtuous circle of the industry is not smooth. It is inevitable for some cities to withdraw from restrictive measures without speculating on houses.
Guan Rongxue also mentioned that restrictive policies such as purchase restriction and sales restriction have a relatively strong control over the property market, and the effect is relatively obvious, and the effect of purchase restriction and sales restriction on risks such as real estate speculation is also relatively good; In addition, restrictive policies such as purchase restriction and sales restriction are actually implemented by local governments themselves, so they are more flexible in tightening and relaxing adjustments; However, if the regulation is not strong enough, there will be some disadvantages. For example, excessive restrictions may reduce the market's desire to buy, leading to an imbalance between supply and demand in the property market.
Li said that under the current trend of high housing prices, large-sized new houses and luxury houses, the purchasing power just needed is relatively weak in income and expectation. In order to publish and start requirements, improved requirements must be activated. Therefore, the purchase restriction policy of non-hot cities may be adjusted. Under the background of promoting housing consumption, reasonable demand and promoting a virtuous circle of the industry, the adjustment of restrictions on sales and purchases is more reasonable, and restrictive measures have entered a new round of "withdrawal tide".
According to the statistics of Zhuge Research Institute, in 2022, the market policy will gradually release improvement signals, and the team that "loosens" the property market will continue to grow, which also reflects the urgency and necessity of the city for policy relaxation.
According to the incomplete statistics of Zhuge Research Institute, as of March 30, 62 cities have loosened the property market policy, mainly in relaxing restrictions on purchases and loans, reducing down payment ratio, lowering mortgage interest rate, relaxing provident fund loans, relaxing restrictions on sales and prices, and housing subsidies. On the whole, the moderate relaxation of the property market policy has a certain positive impact on multi-dimensional subjects, especially on property buyers, which will effectively alleviate the pressure of some difficult groups such as housing purchase funds and threshold restrictions; For cities, the further release of housing demand will drive the increase of transactions to a certain extent, and at the same time ease the pressure on urban inventory and promote urban economic development; In addition, the policy of moderately relaxing the property market in several cities is also to effectively implement the corresponding main responsibilities, meet reasonable housing demand, and promote the internal circulation and healthy development of the industry.