The Jingmen Housing Provident Fund Center of Hubei Province announced the new policy of the property market, raising the maximum loan amount for single-paid workers' families, canceling the difference between the maximum loan amount for single-paid workers' families and the maximum loan amount for double-paid workers' families, and increasing the maximum loan amount for single-paid workers' families from 500,000 yuan to 700,000 yuan, which is consistent with that for double-paid workers' families. ?
The senior analyst of the Data Research Center believes that Jingmen's further optimization of the housing provident fund use policy is the actual embodiment of "policy for the city", which can promote the release of housing demand to a certain extent, and is also a relatively common and highly recognized relaxation measure.
Housing accumulation fund has become one of the important directions of real estate policy adjustment in many cities. According to incomplete statistics, except Jingmen, Hubei Province, Guizhou Province and Tongliao City of Inner Mongolia all issued announcements to adjust the provident fund loan policy after the May Day holiday.
According to the statistics of the Central Plains Real Estate Research Institute, the monthly real estate regulation and control policies of local property markets have reached more than 70 times, among which the frequency and proportion of provident fund policies remain high.
Many interviewed industry insiders believe that preventing real estate risks is still the focus. Under the current market environment, the overall real estate policy environment is still in a relaxed state. However, most third-and fourth-tier cities are still adjusting, and there may be more favorable policies in the real estate market in the future.
Housing accumulation fund has become the focus, and many cities have made adjustments this year.
Many cities have adjusted their housing provident fund policies. Among them, increasing the maximum loan amount and further relaxing the loan restrictions for families with many children have become the main measures for the adjustment of housing provident fund policies in various places. ?
In addition to Jingmen, Hubei Province, Guizhou Province and Tongliao City of Inner Mongolia all issued announcements after the May Day holiday to adjust the provident fund loan policy. Guiyang. China Housing Network issued the Notice of Guizhou Housing Fund Management Center on Increasing the Loan Amount for Double-earner Families to Buy the First Home and Families with Many Children. Its main content is that the maximum loan amount will be increased from 600,000 yuan to 700,000 yuan if the families of employees with dual salaries in Guizhou Province purchase the first set of housing; Families with many children can increase the loan amount by up to 654.38+10,000 yuan on the basis of other standards.
Tongliao City, Inner Mongolia has also announced that it will carry out provident fund loan business in the whole city. Those who purchase self-occupied housing within the administrative area of Tongliao City can apply for cross-regional mortgage loan business at the place of deposit when applying for loans. ?
Zhengzhou, Ningbo, Hefei and other cities have optimized the provident fund policy, mainly covering measures such as increasing the amount of provident fund loans, renting houses, and supporting the provident fund to pay down payment. Hangzhou, Fuzhou, Hefei and other places have increased the amount of provident fund loans or rental housing for families with many children. ?
First-tier cities have also joined the queue of fine-tuning the provident fund policy. Shanghai issued a notice saying that families with many children who meet the lease conditions of housing provident fund in this city can withdraw housing provident fund according to the actual rental expenses.
Families with many children who meet the conditions of housing provident fund loans in this Municipality purchase the first set of housing, and the maximum loan limit (including the maximum loan limit for supplementary provident fund) rises by 20% on the basis of the maximum loan limit in this Municipality. Guangzhou will increase the provident fund loan plan for families with two or more children by 30%, and the maximum credit line of provident fund loans will be increased to 6,543,800 yuan. ?
The local adjustment of housing provident fund is becoming more and more accurate. According to the research director of the think tank center of Yiju Research Institute, Jingmen has greatly increased the amount of employees' single payment, which means that the housing provident fund in this area has paid attention to fairness while increasing the amount. These single-wage families also have the demand for buying houses. This adjustment has broken through the original restriction that singles pay less family housing provident fund.
Fine-tuning the provident fund can boost market confidence and has limited effect on the recovery of the property market.
According to the monitoring data of the middle finger, more than 250 policies have been introduced in more than 100 cities, of which over 40% are related to the provident fund. Provident fund policy is still one of the important means for cities to support housing consumption. ?
In a financial interview, the director of market research of Central Reference Institute pointed out that there were some limitations in the previous withdrawal of housing provident fund, but policies such as multi-city provident fund support for "business to public", withdrawal of provident fund to pay down payment, and flexible employment provident fund pilot were introduced one after another, which expanded the scope of the use of provident fund and revitalized the housing provident fund, which was conducive to alleviating the pressure on buyers and boosting home ownership sentiment. "Although the strength of such policies is relatively limited, the cumulative effect of many policies can still have a positive impact on the expectations of buyers and the recovery of market transactions, especially in hot cities."
In order to boost market confidence and accelerate the release of housing demand, relaxing the provident fund loan policy has become one of the important optimization means in various places, which will give full play to the advantages of housing provident fund loans and effectively ease the pressure of buying houses. As an important means of real estate regulation, provident fund policy is widely used. From the policy point of view, it is most common to increase the maximum amount of provident fund loans and reduce the down payment ratio. This policy is of great significance for alleviating the pressure of buying houses and enhancing market activity. However, from a practical point of view, the stimulating effect of the adjustment of provident fund policy on the market is gradually weakening, and the market needs to strengthen more powerful favorable policies. ?
Increasing the amount of housing provident fund is conducive to reducing the cost of housing purchase for residents and has a positive effect on promoting the recovery of the current property market. For small cities, the amount of housing provident fund can basically cover the cost of buying a house, so the effect is better. However, for big cities, the fine-tuning of housing provident fund policy may not be effective because of the relatively limited quota and high cost of buying houses. However, the chief economist of Zhongyuan Real Estate pointed out that the relative coverage of provident fund policies in cities, especially first-tier cities, is too small to stimulate improved demand, and the market tends to cool down in the second quarter.
The property market has picked up repeatedly, and the industry expects more favorable policies.
The property market regulation policy emphasizes local policies such as "one city, one policy" and flexible use of credit, and the scope of canceling the policy of restricting purchases and loans is increasing. In addition to optimizing the purchase restriction policy, reducing the down payment ratio, increasing the amount of provident fund, granting housing subsidies, shortening the sales restriction period, and providing financial support for housing enterprises, some cities continue to improve the policy toolbox, support families with many children to buy houses and lease to break the purchase restriction, and many policies such as "remortgage" and "sequence table" for second-hand houses have also been released.
"At present, the overall policy content is getting wider and wider, and the policy intensity is getting bigger and bigger. With the blowout of credit supply, the property market in first-and second-tier cities has stabilized. " However, most third-and fourth-tier cities are still adjusting, so the market still needs more favorable policies. ?
Following the "Xiaoyangchun" market in some areas in the first quarter, the real estate market has picked up repeatedly. According to the statistics released by the Central Reference Institute, the average price of new residential buildings in Baicheng increased by 0.02% month-on-month, which was the same as last month. There are 44 cities where the price of new residential buildings has decreased month-on-month, an increase of 5 from last month. The average price of second-hand residential buildings in Baicheng increased month-on-month and year-on-year. There are 76 cities with a month-on-month decline in second-hand housing prices, an increase of 8 from last month. ?
The chief analysis of the financial industry of Everbright Securities pointed out that the sales amount of the top 100 real estate enterprises declined, the sustainability of the release of purchasing power on the demand side still needs to be observed, and the short-term economy still showed a weak recovery trend.
As far as the sustainability of the current market recovery is slightly weakened, the real estate market still needs continuous support from the policy side. It is expected that all localities will continue to adhere to the principle of "policy based on the city" and introduce more targeted and diversified support policies, including relaxing the purchase restriction and reducing the down payment ratio. ?
The the Political Bureau of the Communist Party of China (CPC) Central Committee meeting set the tone for the real estate market, and the overall tone was not affected by the local market warming in the first quarter. The short-term real estate policy will remain loose, and it is very important to stabilize the confidence and expectations of buyers. In the second quarter, policies such as "Three Arrows" that have been introduced in the early stage to guarantee the delivery of houses and increase support for housing financing are expected to continue to be put in place. The local property market policy may continue to be optimized, such as focusing on the suburbs with high inventory in first-and second-tier cities, or optimizing the purchase restriction conditions and loan recognition policies according to the principle of one district and one policy; In combination with the birth policy, support the number of housing units, down payment ratio, mortgage interest rate and provident fund loan amount for families with many children; Reduce taxes and fees on housing transactions.