The insiders believe that from the specific measures of Jinhua New Deal, it is mainly regulated from three aspects: reducing the mobility of second-hand houses, focusing on ensuring just-needed, and increasing market management; Judging from the actual effect, its goal of cracking down on speculation is very obvious. It is expected that Jinhua market will cool down in the short term and gradually return to a stable situation.
On August 2nd, Jinhua introduced a new policy to regulate the property market, and put forward ten measures, such as restricting the sale of houses, notarizing the lottery and strengthening the supervision of second-hand housing prices. Image source /IC photo
Newly purchased houses can only be traded after obtaining the real estate license for 3 years.
The Notice points out that residential sales are limited, and all newly-built commercial housing and second-hand housing purchased in Jinhua City (Wucheng District, Jinyi New District and Jinhua Economic and Technological Development Zone, the same below) can not be listed and traded until three years after obtaining the Property Right Certificate, and the time of obtaining the Property Right Certificate is subject to its issuance time.
According to the requirements of the New Deal, banks, Alipay, WeChat, etc. For those who have not completed the online signing of the real estate sales contract before the date of issuance of the Notice, but have signed the real estate sales agency contract or purchase agreement (subscription book), and can provide valid transfer certificates such as the purchase deposit paid before 24:00 on August 2, 2002/Kloc-0, part or all of the house payment (excluding cash payment) will still be implemented according to the original policy.
In this regard, Yan Yuejin, research director of the think tank center of Yiju Research Institute, believes that this provision clarifies Jinhua's sales restriction policy and helps to crack down on short-term speculation and real estate speculation. Judging from the actual process, if the subsequent housing prices continue to speculate, then policies such as purchase restriction will not be ruled out to further ensure the stable and healthy development of Jinhua real estate market.
Regarding the implementation of notarization and lottery sales, the Notice pointed out that for the price-limited commercial residential projects in Jinhua City and the newly listed (excluding sold) new commercial residential projects, if the number of registered sets of purchase intentions is greater than the number of approved sales sets in the current period, the real estate development enterprise will entrust the local notary agency to determine the order of house selection by notarization and lottery, and clarify the number of people who choose houses in each batch, so as to give priority to meeting the purchase demand of the first suite of "families without houses" and "introducing talents". In addition, it is worth noting that according to the requirements of the New Deal, Jinhua's commercial housing will not be renamed after the online signing contract is filed, except for adding and subtracting names between parents, spouses and children.
For the supervision of second-hand housing prices, the Notice also puts forward clear measures, which will not only strengthen the dynamic monitoring of the listing price of second-hand housing, but also remove the houses with obviously abnormal listing prices in time; It will also launch a pilot project to release the reference price of second-hand housing transactions in hot spots in Jinhua city, and promote it in a timely manner to implement the application of the reference price in finance and credit.
In addition, Jinhua will also strengthen financial supervision, including strictly implementing differentiated housing credit policies to curb the use of credit funds for investment speculation; Strengthen the centralized management of real estate loans, strictly examine the source of down payment funds for house purchase, and severely investigate and deal with the illegal purchase of houses by credit funds such as consumer loans and operating loans; Strengthen the review of the source of land purchase funds to ensure that the bidding enterprises' land purchase funds comply with laws and regulations.
In terms of strengthening market supervision, the Notice clarifies that sales management of real estate development enterprises should be strengthened, and acts such as publishing false advertisements, illegal charges and property hoarding should be severely cracked down. Strengthen the management of publishing prices through the internet, media and other media, and severely crack down on acts such as inciting price increases, spreading false market information, and maliciously speculating on housing prices.
The introduction of regulatory measures after being interviewed will help the property market cool down.
It is worth mentioning that on July 29th, Ni Hong, Vice Minister of Housing and Urban-Rural Development, interviewed the responsible comrades of Yinchuan, Xuzhou, Jinhua, Quanzhou and Huizhou, demanding that the decision-making arrangements made by the CPC Central Committee and the State Council be resolutely implemented, that houses should be used for living, not for speculation, and that real estate should not be used as a short-term means to stimulate the economy, so as to earnestly fulfill the main responsibilities of cities, strengthen regulation and supervision, and promote the development of the real estate market in the first half of the year.
It is reported that in the first half of this year, the sales price and residential land price of new commercial housing in five cities such as Jinhua rose too fast, and the market expectation was unstable, which aroused widespread concern in society. The above meeting announced that Yinchuan, Xuzhou, Jinhua, Quanzhou and Huizhou will be included in the list of key cities for real estate market monitoring. The real estate regulation in these cities is supervised by the Ministry of Housing and Urban-Rural Development and relevant provincial governments.
Since 202 1, Jinhua real estate market has maintained a high degree of heat. According to the data released by the National Bureau of Statistics, the sales price of new commercial housing in Jinhua rose first in the country in January this year. According to the 100-city price index of China Housing Index System, the price of second-hand houses in Jinhua increased by more than 5% in the first half of this year. In addition, in the land market, in the first half of this year, Jinhua and its subordinate counties and cities also experienced a high land premium rate.
In this context, Jinhua's current regulation refers to the current overheating of the market. Jaco, Dean of the Branch of 58 Anjuke Real Estate Research Institute, pointed out that the target of Jinhua New Deal to combat speculation is very obvious. Three-year sales, differentiated housing credit policies, and strengthening the management of house renaming are all aimed at real estate speculators. At the same time, they also learn from the experience of other cities in stabilizing the market, such as giving priority to meeting the needs of "families without houses" and "introducing talents" to buy the first suite, and strengthening the price supervision of second-hand houses.
Gao, executive vice president of Zhejiang Branch of the Central Finger Hospital, also believes that Jinhua's regulation of the New Deal refers to the practices of neighboring cities, and the scope involved is relatively comprehensive. First of all, three-year residential sales increase investment risks and effectively curb real estate speculation; Secondly, strengthen the supervision of second-hand housing prices, improve the information transparency of the second-hand housing market, and then stabilize market expectations; Thirdly, improve the linkage mechanism of house price and land price, optimize the auction rules of residential land transfer such as "limiting house price, controlling land price and improving quality", control the rise of house price from the cost level, strengthen the two-way adjustment of supply and demand, and ensure market stability. In addition, a series of measures are put forward in the aspects of notarization, financial supervision, quality control, renaming management, market supervision, housing security, and responsibility implementation to guide the market to stabilize expectations and further promote the stable and healthy development of Jinhua real estate market.
Regarding the influence of Jinhua New Deal, Gao pointed out that with the implementation of Jinhua New Deal, the policy effect is more obvious. It is expected that Jinhua market will cool down in a short time, the phenomenon of inflated second-hand houses will also be reduced, customers will return to rationality in purchasing houses, and Jinhua market will gradually return to a stable situation.
Yan Yuejin said that Jinhua became the first regulatory city after the interview of the Ministry of Housing and Urban-Rural Development. It is expected that similar policies will be introduced in August, including Yinchuan, Xuzhou, Quanzhou and Huizhou. Especially for the "second-hand housing reference price", at least nine cities in China have proposed or implemented the reference price system, including Shenzhen, Ningbo, Chengdu, Xi 'an, Shaoxing, Wuxi, Shanghai, Dongguan and Jinhua, which fully embodies the guidance of such policies.