Wen Gao Hong Mei Zheng Kun/From Beijing
In order to stabilize the consumer market and promote a virtuous circle of the real estate industry, Xi 'an, who "led the country in price increase for many times", issued a new property market policy late on May 28th.
The Xi Municipal Housing and Urban-Rural Development Bureau, Xi Financial Work Bureau, Xi Housing Provident Fund Management Center and the Business Management Department of Xi Branch of China People's Bank jointly issued the Notice on Relevant Issues Concerning the Adjustment of Commodity Housing Trading Policy (hereinafter referred to as the Notice). The above-mentioned departments said that this notice was issued to support the demand for rigid and improved housing, implement the positioning spirit of "houses are used for living, not for speculation", and promote the virtuous circle and healthy development of the real estate industry.
The notice mainly made key adjustments in two aspects. First, Xi banking financial institutions timely optimize real estate financial services, appropriately reduce the down payment ratio and interest rate pricing level of individual housing loans, and apply for housing provident fund loans for the first time to purchase ordinary housing (144 square meters and below), with the down payment ratio not less than 20%. Second, in terms of buying a house, you can buy a house after one year of settlement. Families with two children and above can buy commercial housing, and unmarried people aged 28 and above can buy the first commercial housing according to the "just-needed family", which shows that the loosening is quite heavy.
The announcement of this notice means that after several years of strict regulation, Xi 'an property market has officially entered the policy loosening period.
Xi Anmeicheng organization believes that the New Deal was signed by Xi Housing and Urban-Rural Development Bureau and Xi Financial Work Bureau. It can be seen that it is very great to boost the confidence of the property market under the joint efforts of various departments and multi-party regulation. However, objectively speaking, compared with other cities in China, Xi 'an's policies can still be called "very restrained" and there is no "flood irrigation". In addition, from the official statement, it once again shows that there is still room for the downside of the Xi mortgage interest rate.
On May 27th, Zhao Yide, governor of Shaanxi Province, pointed out at the promotion meeting of stabilizing the economic market in Shaanxi Province that it is necessary to seize policy opportunities, do a good job in stabilizing growth, stabilizing market players and ensuring employment, ensure the stability of the economic market, and promote high-quality development to take new steps. We must do everything possible to boost consumption, support rigid and improved housing demand, reduce the down payment ratio and loan interest rate of mortgage loans in accordance with relevant policies, gradually liberalize restrictions on purchases and sales due to city policies, strengthen the prevention and control of real estate risks, and promote the stable and healthy development of the real estate market.
Promote the virtuous circle and healthy development of the real estate industry
Relaxing restrictions on purchases and sales, reducing the down payment ratio of provident fund loans, and expanding the scope of "just-needed families", Xi' an property market finally ushered in a loosening policy.
According to the circular, it is necessary to ensure a reasonable housing demand: families who move from outside the city to the city's household registration must settle down before buying the first house in the housing restricted area 1 year. Non-resident families who purchase houses in restricted housing areas must hold residence permits in this city and pay social insurance or personal income tax in this city for two years continuously before the date of purchase.
Promote the circulation of second-hand housing: in the housing restricted area, if the property owner has obtained the certificate of immovable property for two years, or if the online signing of the commercial housing sales contract has been filed for three years and obtained the certificate of immovable property, the purchased or newly purchased commercial housing can be listed and traded; The second-hand house that has been purchased or newly purchased can be listed and traded as long as the owner of the house has obtained the certificate of immovable property for 2 years.
"This shows that the' restricted sale' has been relaxed." Xi Anmeicheng organization believes that the "3.30 Policy" in 202 1 requires that the online commercial housing sales contract has been filed for five years and the certificate of immovable property rights and the certificate of immovable property rights of second-hand houses have been processed for five years before listing and trading. Last year, the New Deal lasted only 1 year for 2 months. Houses purchased during this period are not affected by the two policy adjustments. Therefore, "Man 5" was transferred back to the original "Man 2 Man 3", which had little impact on the market. But in the long run, to some extent, it will stimulate improved demand, accelerate the flow of the second-hand housing market, and accelerate the circulation of stock houses. It is conducive to stimulating the replacement demand of some buyers.
At the same time, the Notice strengthens housing financial support, and Xi banking financial institutions optimize real estate financial services in a timely manner, and appropriately reduce the down payment ratio and interest rate pricing level of individual housing loans, which is specifically determined by the self-discipline mechanism of market interest rate pricing in Shaanxi Province. Adjust the down payment ratio of housing provident fund loans. Optimize the policy of buying houses for all kinds of people. For example, according to the relevant implementation rules, those who buy houses in Shaanxi or their units to ensure the residence of Shaanxi academicians, as well as those who buy commercial houses confirmed by the talent office of the municipal party Committee, can get priority protection.
In addition, this new policy has finally solved the problem that singles have been questioned. Unmarried people aged 28 and above must have no marriage record, Xi 'an has no house under his name, no house transfer record 48 months before buying a house, and have room tickets, which can be regarded as "just need a family". In addition, as long as it is a family with a second child or above who meets the purchase restriction conditions, it can also be identified as "just-needed family".
Coral, an analyst at 58 Anjuke Real Estate Research Institute, believes that after the introduction of the guide price of second-hand houses in Xi 'an and the previous five-year trading policy, the second-hand housing market has also experienced a cliff-like decline, and industry practitioners have also experienced unprecedented difficulties. Therefore, the new policy, whether it is the relaxation of new commercial housing transactions or second-hand housing transactions, will definitely activate the second-hand housing in the market, accelerate market circulation, and then stimulate the outbreak of market demand.
At 22: 40 on May 28th, Xi Housing Provident Fund Management Center issued the Notice on Relevant Matters Concerning the Adjustment of Individual Housing Provident Fund Loan Policy to increase the maximum amount of provident fund loans and reduce the down payment ratio. For the first time to apply for housing provident fund loans to buy ordinary housing (sets+0.44 square meters and below), the down payment ratio shall not be less than 20%; For the purchase of non-ordinary housing (units+0.44 square meters or more), the down payment ratio shall not be less than 25%. If you apply for housing provident fund loans for the second time to purchase ordinary housing (144 square meters and below), the down payment ratio shall not be less than 25%; For the purchase of non-ordinary housing (units+0.44 square meters or more), the down payment ratio shall not be less than 30%. And further adjust the maximum amount of housing provident fund loans. If housing is purchased through provident fund loans, the maximum amount of employee loans paid by a single household shall not exceed 650,000 yuan, and the maximum amount of employee loans paid by a double household shall not exceed 850,000 yuan.
Xi property market leads the country.
According to the data released by the National Bureau of Statistics, in April 2022, the price of new commercial housing in Xi 'an increased by 0.2% month-on-month and 5.2% year-on-year. Although the month-on-month increase of 0.2% is 0.2 percentage points lower than that in March, the house price in Xi 'an is still on the rise.
With the effective control of the epidemic, the pace of promoting the property market in Xi 'an has obviously accelerated this year, and even several "thousands of people shake" and "ten thousand people shake" properties have appeared.
"The sales of individual core areas are not universal." A number of real estate industry insiders interviewed by reporters said that Xi 'an property market is in an adjustment channel, market confidence is still insufficient, anxiety is pervasive, and it will take time for the property market to fully recover.
According to the statistics of Xi 'an, there were 14 projects in Xi 'an in April, with 2,723 suites registered and nearly 70,000 households registered, resulting in two "ten thousand people shaking" projects. However, in addition to China Resources Land Future City (46,700 groups registered) and China Railway Construction Vanke Emerald International (654,380,000 groups registered), in April, Statistics show that the supply of commercial housing in Xi 'an in April was about 559,654,380+million square meters, down 65,438+07% year-on-year.
According to the monitoring of the Central Finger Research Institute, the sales area of commercial housing in Xi in 20021year was about15.72 million square meters, which was lower than the average level in recent years. Although the house price ranks high, the increase has narrowed and the overall trend has become flat. This year, with the effective control of the epidemic, the pace of Xi 'an property market has obviously accelerated. In the first two months, a total of 26 properties, 7983 suites, were registered in the market, and the number of houses increased by 34% compared with the same period last year. More than 59,000 families registered for the lottery.
At the same time, the price of second-hand houses in the core area of Xi is seriously upside down. According to the statistics of relevant institutions, there have been five "Thousand People Shake" properties in Xi 'an recently, 1 one "Thousand People Shake" properties, such as the Tiandiyuan Dan housing selection project located in the core area of High-tech Zone, with a filing price of 26,000 yuan/square meter, but the second-hand housing price of the project was fired to 57,000 yuan/square meter, and finally tens of thousands of people shook out more than 360 suites.
"At present, the Xi real estate market is in an adjustment channel. Zhi Jiajun, research director of Xi 'an Branch of the Central Finger Research Institute, said that on the one hand, Xi tightened regulation twice last year, involving expanding the scope of purchase restriction, extending the transfer time of second-hand houses, and announcing the reference price of second-hand houses in some communities, which made the investment demand expected to decline; On the other hand, at the end of last year, Xi 'an was closed due to the epidemic, and the overall economy was affected. The superposition of double factors has prompted the adjustment of the property market.
"Since the second half of last year, Xi 'an property market has gradually stepped out of the upward cycle of supply exceeding demand, and gradually developed to the stage of oversupply and urban internal differentiation. This situation will continue in the future. " Zhi Jiajun said.
However, with the recent epidemic control and market improvement, Xi 'an real estate market is coming out of the downturn. From June 5438 to May 2022 (data as of May 22), there were 58 new opening projects in Xi 'an, of which 24 were sold out immediately after opening, accounting for 4 1% of the total.
Original title: "Stabilizing the consumer market and boosting market confidence Xi 'an released the new policy focus of the property market late at night"