In this regard, the Securities Times reporter immediately called the real estate trading centers in Liuhe District and Gaochun District of Nanjing. The staff confirmed to the reporter: "I just received a notice this afternoon, and Nanjing canceled the purchase restriction of second-hand houses, whether it is locals or foreigners. There is no limit to the number of houses purchased, and no proof of purchase is required. "

At 3: 49 pm on the same day, the official WeChat account "Nanjing Housing Society" issued a document to sort out three recent policies and measures in Nanjing, including the content that "the second-hand housing transaction does not require a purchase certificate from May 20". This is equivalent to a "formal announcement" of the policy.

However, it is worth noting that by around 6 pm, there were rumors that Nanjing's purchase restriction relaxation policy was stopped.

The Securities Times reporter immediately confirmed this news from a real estate agency in Nanjing. The agent said: "Now the purchase restriction is still going on, and foreigners can only buy it after 6 months of social security. Buying a house still requires proof of purchase. "

Subsequently, the Securities Times reporter found that the article of the official WeChat account "Nanjing Housing Society" was also deleted.

At this point, Nanjing canceled the second-hand housing purchase restriction policy "half-day tour".

In this regard, the industry insiders interviewed by the Securities Times reporter believe that Nanjing can cancel the purchase restriction of second-hand houses, and can purchase houses without restrictions from foreign population, which may trigger a round of investment speculation. When local policies are loosened, we should stick to the red line of "housing and not speculating", pay close attention to the feedback from the market on policies, and prevent all kinds of speculative demand from suddenly increasing, which will interfere with the stable and healthy development of the real estate market.

Nanjing loosens the purchase restriction policy "half-day tour"

On the afternoon of May 20th, a real estate agent released the news that Nanjing cancelled the purchase restriction of second-hand houses.

In this regard, the Securities Times reporter first called the real estate trading centers in Liuhe District, Gaochun District and Lishui District of Nanjing for verification. The staff confirmed to the reporter: "I just received a notice this afternoon that second-hand houses in Nanjing are not limited to purchase. Whether it is a local or a foreigner, there is no limit to the number of houses purchased, and there is no need for proof of purchase. "

In addition, the above-mentioned staff also told the Securities Times reporter that the purchase restriction policy for new houses in Nanjing remains unchanged.

Subsequently, the official micro "Nanjing Housing Society" of Nanjing Real Estate Association released the article "Our city will further increase its support for reasonable housing consumption", sorting out three recent policy measures, "There is no need to provide proof of purchase for second-hand housing transactions from May 20". This is equivalent to the "official announcement" of Nanjing's loosening purchase restriction policy.

According to the article, on the basis of the existing housing purchase restriction policy, talents of A, B, C, D and Ph.D. can purchase 1 apartment additionally. At the same time, it will expand the scope of the original talents to purchase services.

In terms of promoting the reasonable purchase of houses by just-needed groups, since May 20, 2022, residents with household registration and non-household registration in this city do not need to provide proof of purchase when purchasing second-hand houses, so as to meet the reasonable purchase demand of just-needed groups such as new citizens.

In terms of increasing the loan amount of provident fund, from May 20, 2022, the first maximum loan amount of the second set of housing provident fund was adjusted from the current 300,000 yuan/person and 600,000 yuan/household to 500,000 yuan/person and 1 10,000 yuan/household for both husband and wife, effectively reducing the burden of housing purchase for rigid improvement groups.

The Securities Times reporter learned that before, Nanjing's overall housing purchase policy stipulated that foreigners needed to provide social security certificates accumulated for 24 months within 3 years when purchasing the first suite. On April 12, Nanjing Liuhe and Lishui took the lead in relaxing the purchase restriction. When foreigners buy a house in Liuhe and Lishui, they only need to provide ID cards, household registration books and other information, and no longer need social security certificates. At that time, there was no change in the purchase restriction policy in the main city of Nanjing, and foreigners still needed to accumulate 24 months of social security certificates within 3 years to purchase the first suite. On April 27th, Nanjing relaxed the restrictions on foreigners buying houses again. 1 year, Nanjing can buy a house after paying taxes or social security for six months.

The New Deal on May 20th means that no matter in the main urban area or the suburbs, no matter local people or foreigners, as long as they buy second-hand houses, they no longer need proof of buying houses or limit the number of sets. The purchase restriction of second-hand houses in Nanjing is completely liberalized.

However, it is worth noting that around 18 that evening, there were rumors that Nanjing's purchase restriction relaxation policy was stopped.

The Securities Times reporter immediately confirmed this news from a real estate agency in Nanjing. The agent said: "Now the purchase restriction is still going on, and foreigners can only buy it after 6 months of social security. Buying a house still requires proof of purchase. "

Subsequently, the Securities Times reporter found that the article of the official WeChat account "Nanjing Housing Society" had been deleted, and the policy may no longer be implemented.

At this point, Nanjing canceled the second-hand housing purchase restriction policy "half-day tour".

Policy relaxation must adhere to the red line of "housing and not speculation"

For the "half-day tour" of Nanjing's loosening policy, Yan Yuejin, research director of the think tank center of Yiju Research Institute, said that the cancellation of the purchase restriction of second-hand houses in Nanjing was stopped, indicating that some new situations and new problems have emerged in the current policy relaxation. From the perspective of second-hand housing, similar migrants can buy houses without restrictions, which may lead to a new round of speculation and even increase the demand for real estate speculation. Therefore, when local policies are relaxed, we must also stick to a basic red line, that is, "housing is not speculation." We should pay close attention to the market's absorption and feedback of policies, and prevent all kinds of speculative demand from suddenly increasing, which will interfere with the stable and healthy development of the real estate market.

Li, a senior researcher at the Guangdong Housing Policy Research Center, also believed in an interview with the Securities Times reporter that Nanjing's cancellation of the second-hand housing purchase restriction was intended to promote the recovery of the new housing market through active second-hand housing transactions, but it may lead to investment speculation, which is contrary to the national requirement of "staying and not speculating". At the same time, hot cities have entered the era of stock houses, so there is no need to build so many new houses. The local government's practice also runs counter to the state's requirement that real estate should not be used as a short-term means to stimulate the economy.

According to the statistics of Central Plains Real Estate Research Institute, as of May 20th, more than 56 cities have issued nearly 60 policies to stabilize the property market. Judging from the policy content, provident fund is the main policy, and nearly 20 cities have increased the amount of provident fund loans and reduced the down payment ratio, but more and more down payment policies have begun to appear.

"In addition to local governments, the central bank has also begun to comprehensively stabilize the property market, and policies such as interest rate cuts have been frequently released. Overall, the policy of stabilizing the property market is getting stronger and stronger! " Zhang Dawei, chief analyst of Zhongyuan Real Estate, said.

However, Zhang Dawei pointed out that although the credit policy continues to be loose, the loan difficulty has been fully alleviated. However, due to the epidemic situation and the improvement of demand in hot cities, the credit policy is still strict, and the overall heat of the property market is rising very slowly. The market still expects more stable policies, and it is expected that more cities will accelerate the pace of policy adjustment.