It is worth noting that the 33 properties that entered the market this time are distributed in Pudong, Baoshan, Songjiang, Lingang, Fengxian, Qingpu and Jinshan, with a total of 10044 suites, with a total construction area of1060,000 square meters, of which 75% are single suites with an area less than 100 square meter, and the average price of most properties is recorded.
At the same time, the National Business Daily reporter learned that some banks in Shanghai are preparing to raise the operating loan interest rate from April, and the relevant audits are also becoming stricter.
33 properties and 1 room ticket
Among the first batch of 33 properties that entered the market after the New Deal of "Shanghai Seven Articles", Shanghai Xinghewan subscribed on March 17 is the first new site to "eat crabs". According to the regulations, you can't subscribe for other properties for about one month after you subscribe for this offer.
This also means that if these 33 sets are subscribed before April 14, then the buyer can only give up another 32 opportunities because there are only 1 room tickets.
Moreover, even if Shanghai Xinghewan is subscribed, according to the new regulations, once the points system is triggered, all houses will be restricted within five years. At the same time, from the start of subscription to the announcement of the winning results, only one new sale can be subscribed. After the points system is triggered, the remaining houses with priority will be selected according to the points and subscription registration date.
Although the conditions seem to be overweight, Jaco, president of 58 Anjuke Real Estate Research Institute Branch, told the reporter of China Business News that there are not many hot-selling properties that trigger the points system as a whole, and 29 of them are located outside the outer ring of Shanghai. The number of people who need to buy houses in these areas is limited, and according to past experience, they are not real estate for centralized lottery. It is expected that there will not be many red discs in these projects, which will not lead to the demand for lottery points.
At the same time, Jaco believes that the 33-site centralized listing in Shanghai needs to be combined with the new requirement of "centralized land supply" some time ago, which sends an obvious signal to the market that real estate will be concentrated in the market, so there is no need to worry about selling and panic, and the pace of buying a house into the market can be more calm. "Especially when there is a net red disk on the market, when you recognize it, you can't choose multiple disks. Housing enterprises and intermediaries cannot take the opportunity to speculate in the market, and the property market will be more stable. "
According to the National Bureau of Statistics, the price of new commercial housing in Shanghai rose by 0.6% month-on-month, with an increase of 0.4 percentage points and a year-on-year increase of 4.4%. The price of second-hand houses increased by 1.3% month-on-month, with an increase of 0.7 percentage points and a year-on-year increase of 7.6%. Especially in February, the sales price of second-hand houses in Shanghai rose by 1.3% month-on-month, leading the country in the increase. It can be seen that the Shanghai real estate market needs strong cooling adjustment.
The operating loan interest rate may be raised by 5%~ 10%.
In rejecting panic and guiding the healthy development of the property market, the regulatory authorities have made efforts from different angles.
According to the latest news learned by the reporter of National Business Daily, some banks in Shanghai are going to raise the operating loan interest rate from April. At the same time, the audit has become more and more strict-the bank's second-home loan interest rate has climbed to 10%, which is significantly higher than the previous interest rate level by more than 3 percentage points, covering areas including Shanghai, Nanjing, Suzhou, Hangzhou, Beijing, Wuxi, Ningbo, Wenzhou, Lishui and Jinhua.
"The interest rate is determined according to the qualification examination of the lender and then scored, that is, the original low interest rate will rise, while the original high interest rate will not be affected. Overall, the operating loan interest rate will be raised by 5%~ 10%. " The loan specialist of a bank in Shanghai, who is in charge of operating loans and consumer loans, told reporters that users with higher loan scores will be greatly affected this time and will face interest rate hikes, while users with higher interest rates will not be affected.
According to the statistics of the central bank, in the loan growth last year, the balance of operating loans of local and foreign currency households of banks at the end of 2020 was 13.62 trillion yuan, with the fastest growth rate of operating loans, with a year-on-year increase of 20% and an increase of 2.27 trillion yuan. But in contrast, the growth rate of mortgage is lower than other loans.
In fact, as early as the end of April last year, the Shanghai headquarters of the central bank prohibited banks from providing funds to buyers in violation of regulations in the form of consumer loans and operating loans; On March 12 this year, the Shanghai headquarters of the central bank issued a statement saying that it is necessary to effectively prevent consumer loans and operating loans from illegally flowing into the real estate market.
On June 29th, 65438, Shanghai Banking Insurance Regulatory Bureau issued a notice to prevent illegal misappropriation of credit funds in the real estate sector and to prevent borrowers or entrusted payment objects from evading use management. Financial supervision departments in Beijing, Shenzhen, Guangzhou and other places also require banks to prevent illegal business loans and consumer loans from flowing into the real estate market.
"It is the general trend for first-tier cities to comprehensively introduce policies to increase the collection of illegal loans." Jaco pointed out that this year's monitoring of real estate finance will continue to strengthen measures, especially in the aspect of "illegal funds flowing into the property market", and maintaining the stability of the real estate financial environment will be put in a more important position.
Jaco predicted that cities, especially big cities, whose house prices rose too fast will strengthen the supervision of "illegal funds" flowing into the property market, and the measure of "recovering loans in advance" will have a deterrent effect on real estate speculators.