First, the property market in Hangzhou was in full swing last weekend, with more than a thousand groups of customers rushing to buy less than 400 houses, and major case sites in the southeast, northwest and northwest were bustling with people; and then on Monday, the "Hangzhou Ten Measures" were officially released, providing the basis for the Shanghai real estate market. The real estate market has set the tone for half a year; then yesterday evening, the central bank announced the first reserve requirement ratio cut this year... Suddenly, the warm breeze made the real estate market drunk.

The Hangzhou property market in the first half of this year will soon have a long-lost bull market. Some experts believe that most people's expectations for the property market have turned into a general rise, and all parties in the market should protect it rationally. Some experts also believe that after years of decline, the property market in the main urban area of ??Hangzhou is still at the beginning of a compensatory increase. For owner-occupied families, now is still a good time to buy a house

"Hangzhou "Ten Articles" were quickly released

Promote the destocking of the property market in an all-round way

Following the draft for comments released last Friday, yesterday, the Hangzhou Municipal Government Office issued the "About Further Promoting the Real Estate Market" "Notice on Healthy and Stable Development" (hereinafter referred to as the "Notice"), the "Hangzhou Ten Measures" were quickly released.

The "Notice" proposes to implement unified management of land transfer. The transfer plan of commercial land (excluding industrial land) within the urban area must be submitted to the municipal government for approval before implementation; reasonably grasp the scale, structure and rhythm of land supply. and timing to effectively coordinate the supply of residential, commercial, and office land in different areas. At the same time, land transfer will not be arranged if the surrounding supporting facilities are not implemented.

Intensify efforts to promote the monetization of housing security, strictly control the construction of resettlement houses for demolition, expropriate houses on state-owned land, and encourage all to implement monetized resettlement; the expropriated persons (compensees) use monetary compensation If the purchase price of a house does not exceed the monetary compensation amount, the deed tax for the newly purchased house will be exempted. At the same time, the municipal level has fully implemented the monetary subsidy system for public rental housing, suspended the construction of affordable housing and public rental housing in new sites, and suspended the acceptance of applications for affordable housing security.

The "Notice" states that for commercial personal housing loans for households to purchase ordinary housing, the minimum down payment ratio will be reduced to the lower limit allowed by the People's Bank of China and the China Banking Regulatory Commission, and individual housing loans will be encouraged based on the borrower's credit status. Loan preferential loan interest rate.

The conditions for provident fund loans will be further relaxed. Employees who normally pay housing provident funds outside Hangzhou and purchase their own homes in Hangzhou can apply for provident fund loans in other places. Employees are supported to use provident fund loans to purchase second-hand houses. The limit on the total age of the second-hand houses plus the loan period is relaxed from 40 years to 50 years, and the minimum down payment ratio is reduced to 20 years.

We will implement preferential policies on deed tax and business tax. If an individual purchases the only home for a family with an area of ??90 square meters or less, the deed tax will be levied at a reduced rate of 1. If the area is over 90 square meters, the deed tax will be reduced to 1.5. Deed tax is levied at a tax rate. If an individual purchases a second improved house for a family with an area of ??90 square meters or less, the deed tax will be levied at a reduced rate of 1; if the area is more than 90 square meters, the deed tax will be levied at a reduced rate of 2. If an individual sells a house that has been purchased for less than 2 years, the full business tax will be levied; if an individual sells a house that has been purchased for more than 2 years (inclusive), the business tax will be exempted.

Persons who purchase commercial housing (including second-hand housing) in the four counties (cities) of Tonglu, Chun'an, Jiande, and Lin'an, themselves and their spouses, minor children, and parents living with them , you can apply to register a permanent residence locally.

Land, affordable housing, provident fund

Refined new policies have been introduced in many aspects

The introduction of the "Hangzhou Ten Measures" covers a wide range of areas and can be said to promote the property market in an all-round way We have vigorously reduced inventory and also proposed some new and detailed content compared to the past.

In terms of land, it was proposed for the first time to implement unified management of land transfer in urban areas, which means that land transfer in Yuhang and Xiaoshan will be consolidated into the municipal government for overall planning and arrangement, and will no longer be handled independently.

In terms of affordable housing, in addition to vigorously encouraging monetary resettlement, it was also proposed for the first time to suspend the construction of affordable housing and public rental housing in new sites, and to suspend the acceptance of applications for affordable housing security. This is also an unprecedented statement and intensity.

In terms of credit, it was reiterated that the down payment ratio can be reduced to the lower limit set by the central bank and the China Banking Regulatory Commission.

In terms of provident funds, employees who have contributed to provident funds nationwide are allowed to apply for provident fund off-site loans when buying a house in Hangzhou; the policy for provident fund loans to purchase second-hand houses continues to be relaxed, and the total age of second-hand houses plus the loan period has been reduced from 40 years The period is relaxed to 50 years, and the minimum down payment ratio is reduced to 20%. At the same time, it is required to increase the transfer of provident funds to commercial subsidized loans and increase the number of banks transferring provident funds to commercial subsidized loans.

Deed tax and business tax policies were implemented. The deed tax has been changed from the original three levels to two levels, canceling the distinction between ordinary residences of 140 square meters and non-ordinary residences, thereby encouraging everyone to buy improved large-scale apartments of more than 140 square meters.

Ding Jiangang, a senior real estate commentator, believes that the Hangzhou municipal government has not yet issued a local tax refund policy as vigorous as in 2008. Therefore, the "Hangzhou Ten Measures" should be said to be a comprehensive and vigorous policy, but it is not unprecedented. , because the intensity is still not as strong as the 2008 bailout policy. "These policies can directly affect the number of home buyers and the actual discounts are not large. However, changes in policies such as affordable housing will divert part of the demand to the commercial housing market, which will play a role in the gradual destocking. Of course, the bigger The role of the intensive policies of the central government and local governments is to guide public market expectations.”

“There are various signs that Hangzhou’s property market expectations have quietly changed, and most people’s judgments on the market have changed from stable. A slight increase turns into an expectation of a general increase or even a big increase. This is the law of the real estate market. It may take half a year or even longer to change the market expectation, but the bull market does come only in an instant." /p>

As a result, Ding Jiangang analyzed: “All parties involved in the market, whether they are home buyers or developers, or governments at all levels, should rationally and carefully protect this hard-won bull market. Anyone who ignores Blind purchases based on one’s own needs regardless of one’s ability to pay, and any price increase that is irrational and out of line with the market’s ability to bear it, may lead to mistakes.”

The New Deal has stimulated the booming property market in first- and second-tier cities

<. p>In fact, the real estate market in many domestic cities has been booming recently. Words such as buying a house overnight, queuing up to pay, developers and landlords raising prices, and selling disks seem to have become synonymous with the real estate market overnight, especially in Shanghai, In first-tier cities such as Shenzhen, as well as second-tier cities such as Nanjing and Hangzhou, the phenomenon of "house grabbing" is emerging one after another.

The city that kicked off the booming property market in 2016 is Shenzhen. At the beginning of the new year, housing prices in Shenzhen began to go into "flight mode". According to the latest housing price data released by the National Bureau of Statistics, housing prices in the 70 large and medium-sized cities monitored in January expanded month-on-month. Housing prices in Shenzhen increased by 4.1% month-on-month and 52.7% year-on-year, continuing to lead the country.

Following Shenzhen is Shanghai. On February 22, a high-end project in Shanghai with an average price of RMB 80,000 per square meter was launched. 352 units of multi-million-dollar luxury homes were launched. All were sold out on the same day, with total sales of approximately RMB 3.6 billion. At the same time, it was also revealed that a house in Shanghai that was initially listed for 4.3 million yuan jumped in price three times in a day, and finally rose to 5 million yuan.

Last Sunday, the Shanghai real estate market entered a state of excitement. Among them, the Shanghai Baoshan District Real Estate Trading Center has implemented transaction flow restriction measures during extraordinary periods due to the excessive flow of people. All personnel are required to wait outside the gate on the first floor of the center and are allowed to enter the building one by one to handle business.

Compared with Shenzhen and Shanghai, the property market in some second-tier cities is not inferior. In Nanjing, there was a phenomenon of property buyers queuing up overnight after real estate projects were launched last week. Last weekend, many real estate projects in Nanjing were launched, and all of them delivered 90% de-escalation results.

Yan Yuejin, research director of Yiju Think Tank, said that there are three reasons for the recent boom in property markets and rising housing prices in many places: First, loose home purchase policies allow all types of home buyers to enter the property market at a lower threshold; Active market transactions in turn drive up housing prices. Second, some high-quality supply began to experience insufficient inventory, further stimulating the rapid surge in prices of first- and second-hand housing.

Third, affected by psychological expectations, especially under the mentality of "buy up but not down", there will be a part of "panic psychology", which will push up the irrational rise in housing prices.

Hangzhou’s real estate market saw a surge in transaction volume last week

Newly launched projects frequently “sunlight”

Hangzhou’s real estate market also ushered in a “warm spring” not to be outdone. According to statistics, last week (February 21-February 27), 2,450 commercial housing units were sold in downtown Hangzhou (including Yuhang, Xiaoshan, and Fuyang), an increase of 116% from the previous week, of which 1,113 units were sold in the main urban area.

388 units, more than 1,400 groups of people rushing to buy, all sold out in 4 hours, these are the key words for the opening of Metro Greentown Yangliu County last weekend. Last Saturday, the second phase of housing in Yangliu County was launched at the Overseas Crown Hotel. More than 1,400 groups of buyers came to the opening site, and all were sold out after 4 hours. The developer called it "Hangzhou's first 'Japanese disk' in 2016" ". The hot sales of Yangliu County have even attracted the attention of the national media, becoming a "Hangzhou sample" of the recent boom in the property market.

Dexin Zhejiang Dongchen, a real estate project in Chengdong Xincheng, which was only notified last Saturday that it would launch a new house, had to quickly add it on Sunday night due to the strong desire of customers to buy, and it was basically sold out. exhausted.

Binjiang·Xixi Star, located in the Xixi area, also opened last week, launching more than 100 suites in four buildings No. 3, No. 13, No. 17 and No. 25, which are currently basically sold out. , a transaction volume of 300 million yuan was achieved in 3 days, of which 200 million yuan was sold in a single day on February 26. "The number of units launched this time was relatively small, only more than 100 units. They were sold out as soon as they were launched, and even the previous tail rooms were basically sold out." Xixi Star Marketing Director Shen Jie told reporters. According to Shen Jie, the Xixi Star sales department received hundreds of visits last Sunday, and nearly a thousand visits every week. "Customers crowded the sales department before 8 o'clock in the morning, and some went to the construction site to see the real scene at 11 o'clock at night. Sales consultants can't get off work until 11 o'clock or 12 o'clock at night." Shen Jie said.

In addition to local home buyers in Hangzhou, there are also many customers from all over the country. "There are many customers from other places who cannot buy houses in cities such as Shanghai and Nanjing, so they come to Hangzhou to buy." Shen Jie told reporters. According to her, Xixi Star has always had many out-of-town customers who are interested in the quality of Binjiang and the development potential of the future science and technology city. Moreover, according to Shen Jie, many of Xixi Star’s customers directly buy two or three houses. “On the one hand, they are mainly for self-occupation. On the other hand, customers are worried about currency depreciation. If they buy real estate, they can maintain their value.” , and the rent in the future science and technology city area is relatively high, so buying an extra unit can be used as an investment," Shen Jie said.

Many projects will increase prices across the board from today

Pure investors are back again

“It’s selling like crazy! On Monday morning alone, more than ten units were ordered Property. Over two days last weekend, more than a hundred groups of customers came to the sales department. Ten sales staff could not handle them. They were busy until eleven or twelve o'clock every night. "Tianyang Shangcheng International. Marketing Director Huangfu Jianfen posted an advertisement in his circle of friends saying "prices will increase across the board starting from March 1st, and we will grab rooms tonight without closing."

It is reported that starting from March 1, not only Shangcheng International, but also all project prices under Tianyang will increase. The second phase of Shangcheng International is currently for sale at an average price of 18,000-19,000 yuan/square meter. Currently, there are only more than 100 units available for sale. Nearly a hundred units were sold in February. Starting today, the total price of each unit will be An increase of about 30,000 yuan. In fact, since the beginning of 2016, Shangcheng International has raised prices slightly more than once, and has maintained a "small steps and fast" pace of price increases.

“Among the recent new customers, a large proportion of old owners have purchased again. Many owners have bought a set before. They were hesitant at first, but after checking the market, they came to renew their orders. Some are planning to buy them for their parents or family members to live in, while others are only half-invested. "Huangfu Jianfen said that investors had disappeared for a time, but after the Spring Festival, pure investors appeared again. “On the fifth day of the Lunar New Year, on the first day of work in our sales department, we received a Wenzhou man who drove a Maserati to look at the house, and he happily bought one with a one-time payment.

There are Shanghai investors who own several properties in Shanghai. They feel that the current housing prices in Shanghai are too high, so they come to us to cover their positions. Two days ago, there was a client from Hong Kong who called at 11 o'clock in the middle of the night to inquire about buying a house. This morning, a client from Beijing entrusted a relative in Hangzhou to view the house. Seeing that there were so many people on site, it was inconvenient to rush over to buy it by myself, so he simply communicated with the relative on the phone for a while, and finally asked the relative to place the order on his behalf. ”

Also starting to increase prices on March 1, there are Yuexiu·Xinghui Yuecheng in the north of Gudun Road, Greentown Xizi·Pastoral Pastoral in the pastoral sector, and many other real estate projects.

Buyers are busy rushing to buy houses

It took a day to sell out all the houses

Spurred by words such as "hot", "rush to buy" and "queuing" in the property market, Hangzhou's Home buyers have become uneasy, and many people have accelerated their pace of home buying during this period.

Ms. Wang’s family, who lives on Xiaofeng Road in the main urban area, visited the European and American Finance in the Future Technology City last week. City (EFC) has booked 4 houses. “Our family has booked 4 houses in total, which are both for immediate needs, improvement and investment. "Ms. Wang told reporters with a smile. According to Ms. Wang, one set was bought for her son who returned from studying abroad. The son of EFC's "returnee community" likes it very much; one set is for himself to live in, which is a replacement; and the other two sets are My brother and cousin bought it for investment. "They both have more than 1 million in cash. They used to put their funds in stocks. The stock market went up and down last year, so it was safer to invest in real estate. "Ms. Wang said.

"I had not decided whether to invest in office buildings or residences before. During this period, I saw that all national policies were aimed at residences, so I decided to buy a residence. "Ms. Wang said. Last week, Ms. Wang called the sales department, and the sales consultant told her that she would definitely choose a house through lottery, so she quickly went to the case site to pay the deposit during the weekend.

"Yesterday I went to the sales department to look at houses and paid the money today. Who knew that there was no house left? Mr. Li, the owner of the first phase of Binjiang Golden Dawn, said with emotion. Last Saturday, Mr. Li accompanied his relatives to look at houses in the third phase of Binjiang Golden Dawn and selected a 130-square-meter high-floor, finely decorated house. For the quality of the community, , the price and the availability of the property were quite satisfactory, and they were ready to come to the sales department to pay the money on Sunday. When Mr. Li and others came to the sales department the next day, they were told that the house had already been bought.

“I really regretted it at the time. I should have paid the deposit that day if I had known. "Mr. Li was very sorry, "Since the house you like is no longer available, let's look at other houses. Who knew that the sales consultant said that all the houses with fine decoration of this type of apartment were sold out, and more than 30 yuan was sold in one day on Saturday. set. "There is no other way. Mr. Li can only accompany his relatives to see if there are any second-hand houses for sale in the first and second phases of Golden Dawn.