On the 3 rd, Haikou issued a new real estate policy, prohibiting the sales of new commercial housing from lagging behind; After obtaining the pre-sale certificate, the real estate development enterprise will disclose all the pre-sale houses and the source price of each suite at one time within 10 days. At the same time, the New Deal emphasizes that real estate development enterprises should not create a false atmosphere of strong sales by hoarding houses, breaking up parts into parts, hunger marketing and hiring people to queue up.
On the same day, Fuyang City, Anhui Province tightened the housing provident fund policy and stopped issuing provident fund loans to buyers who bought third and above houses; Provident fund loans to buy a second suite, the down payment ratio is not less than 50%, and the interest rate is not less than 1. 1 times the interest rate of the first suite in the same period. The New Deal has been implemented since August 10.
Including the above two places, according to the statistics of the Central Plains Real Estate Research Center, since July, there have been ten places such as Dongguan, Hangzhou, Ningbo, Shenzhen, Nanjing and Inner Mongolia to introduce the property market tightening policy. Among them, Dongguan issued two rounds of property market tightening policies within 1 month.
New policies in many places include upgrading purchase restrictions and so on. For example, the scope of the restricted purchase area in Ningbo has expanded from the original three districts to the five districts; Dongguan first included second-hand houses in the scope of purchase restriction; It is stipulated in Shenzhen that you must settle down in the local area for 3 years and pay taxes or social security for 3 years or more before you can buy a house.
Some cities have also increased their sales restriction policies to prevent "real estate speculation". For example, Hangzhou restricts the sale of housing acquired through the priority purchase of high-level talents for five years. Dongguan has extended the housing sales restriction period from 2 years to 3 years. Other measures include raising the threshold of provident fund loans and the down payment ratio, increasing the exemption period of value-added tax on housing transfer, preventing "fake divorce" and controlling market chaos.
Zou Hualin, head of the national academy of economic strategy Housing Big Data Project Team, pointed out that the tightening of regulation in many cities is mainly due to the rising demand for investment speculation, the rising house prices in some cities and the rapid rise of house prices in a few cities. In the past, many cities had low purchase restriction thresholds, so under the background of loose credit funds, it was easy to become the target of investment speculation. This multi-city intensive upgrade and purchase restriction can further stabilize the market.
Zhang Dawei, chief analyst of Zhongyuan Real Estate, believes that the main feature of this round of property market regulation is "playing three fakes", including "fake settlement", "fake divorce" and "fake talents", which are "patches" to the existing policies. Generally speaking, the severity of regulation has indeed improved, but except for a few cities such as Shenzhen, the regulation is relatively peaceful, and the national property market policy has not been fully upgraded.
Behind the intensive overweight of local policies is the new signal sent by several important meetings recently.
The real estate symposium held on July 24th pointed out that we should firmly adhere to the position that houses are used for living, not for speculation, and insist on not using real estate as a short-term means to stimulate the economy. At the same time, it is pointed out that we should attach great importance to the new situation and problems in the current real estate market and always tighten the string of real estate regulation.
The the Political Bureau of the Communist Party of China (CPC) Central Committee meeting held on July 30th once again emphasized the positioning of "housing without speculation".
Xu Xiaole, chief market analyst of RealData, said that the epidemic situation has not changed and will not change the policy tone of "staying in the house and not speculating". In the first half of the year, although the economy was severely hit by the epidemic, the real estate market regulation policies remained continuous and stable, and the loosening policies introduced by some cities were stopped. When a few house prices rise rapidly, we will further strengthen regulation to curb the speculation of real estate and maintain the healthy operation of the market.
How did the subsequent property market and regulatory policies evolve? According to the analysis of Ke Rui Research Center, the overall monetary policy will remain loose in the second half of the year, but it is difficult to open the real estate credit and financing policies. Down payment loans and mortgage loans are still the key regulatory targets, and the policies will still prevent excessive capital from flowing to the real estate market. In this context, local real estate policies may be "closely integrated" due to urban policies.
According to the report recently released by Yiju Real Estate Research Institute, in the first half of the year, housing prices in 13 cities were on the hot side, excluding cities that have introduced stricter control policies. In the second half of the year, nine cities including Yinchuan, Tangshan, Xining, Hangzhou, Chengdu and Wuxi are expected to tighten regulation.
(Original title: "More than a month and ten rooms intensively tighten a new round of property market regulation? 》)