On July 23rd, Shanghai issued new regulations to strengthen the management of housing donation. The new regulations require that, from July 24th, 20021year, if the house is transferred by gift, in the implementation of the housing purchase restriction policy, the house will still be recorded in the number of houses owned by the donor within five years from the date of transfer registration; At the same time, the donee should comply with the national and municipal housing purchase restriction policies.

On the same day, Shanghai also raised the mortgage interest rate. Among them, the first home loan interest rate will be adjusted from the current 4.65% to 5%, and the second home loan interest rate will be raised from 5.25% to 5.7%. The new regulations will also be implemented from tomorrow.

Coupled with the new policy of second-hand housing price verification on July 9, in just half a month, Shanghai has tightened three new regulations on the real estate market.

It will still be credited to the donor within 5 years.

On the 23rd, the reporter learned from Shanghai Housing Management Bureau that since July 24th, 20021year, if the house is donated or transferred, the donee shall comply with the national and municipal housing purchase restriction policies; The house is still recorded in the number of houses owned by the donor within 5 years. At the same time, strengthen the management of housing transaction registration, include the transfer of donated houses in the scope of housing transaction verification, and refuse to go through the transaction registration procedures if the donated parties do not meet the housing purchase restriction policy.

Lu Wenxi, an analyst of Shanghai Zhongyuan real estate market, told CBN that from the current situation of buying a house, in order to buy a new house, it needs a high point, and often a "room ticket" is vacated through various operations.

"If it is a transfer gift between immediate family members, the program cost is the lowest, so the gift is the main way of property transfer. Recently, many buyers of popular real estate have thought of this method, making a family member become a' no room under the name' to create a high point. " Lu Wenxi believes.

The new house lottery points system began in early February this year. The new regulations require that when subscribing for new real estate, the subscribers should be comprehensively scored according to their family structure, household registration, real estate under their names, purchase records within five years, and social security payment in Shanghai.

According to the integral rule, under the same conditions, "Shanghai has no room" gets 20 points, and "Shanghai has a room" only gets 5 points. Therefore, if there is no room, the social security payment time is very long, which has obvious advantages in points.

Now the gift channel is blocked, and the number of houses owned by the donor is still accounted for within five years, so the points of new house buyers will not be very high, and they may not even be qualified to buy houses, which reduces the number of buyers to some extent.

"First, if someone has a room in his name, according to the past regulations, he can enjoy the qualification of the first suite after the gift, but he can't enjoy it after the new regulations. Second, if someone has two houses under his name, he is not eligible to buy a house. According to the past regulations, he is eligible to buy a house after being donated; The new regulations were introduced, and there was no qualification for buying a house after the gift. " Yan Yuejin, research director of the think tank center of Yiju Research Institute, said for example, "This situation shows that the new gift rules can effectively crack down on some people's behavior of speculating on real estate through gifts."

Lu Wenxi believes that with the contraction of the demand side, the "innovation" fever can be further cooled down. "After the fourth batch of new listings, the number of projects that trigger the points system is expected to decrease."

Mortgage interest rates have also increased.

Shanghai mortgage interest rate was also adjusted on the same day.

On the afternoon of 23rd, some media reported that the Shanghai headquarters of the People's Bank of China held a meeting with banks in Shanghai to determine the issue of raising the mortgage interest rate. The interest rate of the first home loan was adjusted from the current 4.65% to 5%, and the interest rate of the second home loan was raised from 5.25% to 5.7%. The new regulations will be implemented from tomorrow.

The first financial reporter confirmed the news of the increase in mortgage interest rate from Shanghai Rural Commercial Bank. At the same time, if the application is made before 24th, the original interest rate will be implemented, "subject to system entry".

According to the statistics of Real Data's mortgage business in June, among 72 cities in China, the average mainstream interest rate in June was 5.52% for the first set and 5.76% for the second set; Shanghai's first home loan interest rate of 4.65% is absolutely low.

Although the interest rate is not high, it is not easy to get a mortgage in Shanghai. "Now we rarely take orders," said a banker frankly. "After the approval, we can't let go."

A buyer who bought a second-hand house in mid-June told reporters that it would take more than two months for his 3 million yuan loan to be issued. Another intermediary said that the recent pre-trial of commercial loans takes about 20 days, and the lending cycle is about March-April. "It's been a long time without 2-3 weeks to put it down."

Lu Wenxi said that after the mortgage interest rate is raised, it will increase the payment cost, but in fact there is little difference from month to month. More importantly, it will have an impact on market sentiment. "The adjustment of Shanghai mortgage interest rate will delay the pace of buyers entering the market, reduce the number of loans and ease the pressure on mortgage quotas." Liu Hang, a senior analyst at Shanghai Branch of the Central Finger Hospital, thinks.

The second-hand housing market is not easy.

Prior to this, Shanghai had already laid hands on second-hand houses. On July 9, Shanghai issued a new policy to approve the price of second-hand houses. The relevant transaction management departments in Shanghai will verify the source of each suite according to the real market price, and the houses that fail to pass the price verification shall not be released to the public.

At that time, the relevant departments required 1 1 the head brokerage agency to verify 200,000-300,000 sets of second-hand houses listed in stock within one week, and immediately remove the false high housing.

One week after the release of the new regulations, that is, on July 9 19, Shanghai Chain Home official website exhibited more than 1 10,000 sets * *1.61.05 million sets, which was less than 1.58 million sets when the New Deal was released on July 9. As of July 23rd, Chain Home official website showed that the number of houses had been restored to 1.77 million.

At the same time, according to the relevant requirements, from July 19, the newly applied second-hand houses in Shanghai also need to pass the price verification before they can be listed.

On July 2 1 day, the reporter learned from a head agency broker that the price of the store's housing has basically been approved. "We must verify every new house."

During this period, many landlords chose to wait first after failing to verify the price. "Many owners who are not in a hurry have not cut prices and listed on the external network according to the verified price." The above brokers believe that after a long time, the situation may change. "If the external network is not presented, the internal network will be difficult to sell. After a long time, the owners will naturally worry and the price will slowly come down. Once there is a low-priced transaction, the price will naturally come down and it is difficult to go up. "