It is understood that the Shanghai ordinary housing standard issued by 20 14 needs to meet multiple conditions at the same time:
First, multi-storey houses with more than five floors (including five floors), as well as old apartments, new alleys and old alleys with less than five floors;
Second, the single building area is below140m2;
3. The actual transaction price is below 65,438+0.44 times of the average land price of the same level, below 4.5 million yuan/set within the inner ring, below 365,438+10,000 yuan/set between the inner ring and the outer ring, and below 2.3 million yuan/set outside the outer ring.
Most houses in Shanghai are "unusual"
With the continuous rise of housing prices in previous years, most houses in Shanghai have been counted as non-ordinary houses, and a lot of taxes and fees need to be paid in the transaction process.
According to the data of Tongce Research Institute, starting from 20 18 65438+ 10/day, the total number of new commercial housing units in Shanghai is 1 05135, of which1095/kloc-0.
According to the Interim Measures for the Administration of Taxpayers' Collection of Value-added Tax on the Transfer of Real Estate, which came into effect on May 20 16, State Taxation Administration of The People's Republic of China, People's Republic of China (PRC), 5% of the value-added tax is required for the purchase of second-hand houses in Shanghai, 5% of the price difference is required for the purchase of non-ordinary houses for more than two years, and only ordinary houses for more than two years are exempt from the price difference. According to the estimation of Tongce Research Institute, it is necessary to trade 4.5 million houses in the inner ring of Shanghai within two years.
Not only does the tax cost of buying a house increase, but the standard of ordinary housing in Shanghai also affects the down payment ratio of buyers.
According to the housing credit policy issued on 20 16, 11June, the down payment ratio of households with no housing but commercial housing loan records or provident fund housing loan records in Shanghai is not less than 50%. For the purchase of non-ordinary self-occupied housing, the down payment ratio shall not be less than 70%.
The replacement demand will be affected.
Regarding the impact of the extension of Shanghai's ordinary residential standards on the property market in 2024, Tongce Research Institute believes that this means that with the steady rise of housing prices in the next five years, there will be fewer and fewer houses in Shanghai that meet the ordinary residential standards in the future.
For customers who just need it, buying ordinary commercial housing to meet the demand for self-occupation can effectively reduce the cost of taxes and fees. In the market structure, with the decrease of small-sized ordinary commercial houses such as second-hand houses or husband-and-wife houses, the attention of such houses will increase.
In addition, in the overall downturn of the market, the increase of non-ordinary commercial housing will generate more transaction costs and tax costs for the replacement demand, and the replacement demand will be affected by stages.
In addition, for the new demand of non-local household registration, 70% down payment is required to purchase the second suite. The increase in the down payment ratio of the second suite will lead to a huge transaction tax cost, which will reduce the market transaction activity.
Beijing has no time to revise the standard of ordinary houses.
Although there are predictions in the industry, hot cities are expected to follow suit in the near future. For example, Beijing has not adjusted for five years since the release of the standard for ordinary housing on September 30, 20 14.
However, the Beijing Municipal Commission of Housing and Urban-Rural Development recently said in response to a question from a netizen that there is no specific time for the revision of ordinary housing standards in Beijing.
Recently, in the column of "Interaction between Government and People" in official website of Beijing Municipal Commission of Housing and Urban-Rural Development, some netizens asked: The standard of ordinary housing should be adjusted appropriately and timely according to the current market situation. At present, Shenzhen has revised the identification standard of ordinary housing. When will it be revised in Beijing?
The netizen said that at present, many housing price-limited housing projects outside the Fifth Ring Road in Beijing have exceeded the standards of ordinary houses, and most of the people who really live in these houses are just needed and just changed, and their income has not reached a high level. This group of people should be inclined in tax and fee concessions.
In response to this problem, Beijing Municipal Commission of Housing and Urban-Rural Development 165438+ 10/2 said that there is no specific time for revision in Beijing at present.
There is no specific modification time, which does not mean that there is no room and necessity for modification. According to industry analysts, Beijing's non-ordinary residential standards have affected and restricted the normal and healthy development of the market.
According to the Notice of Beijing Municipal Commission of Housing and Urban-Rural Development, Finance Bureau and Taxation Bureau on Adjusting the Average Transaction Price of Ordinary Housing in Beijing, which was implemented in June 20 14, ordinary housing in Beijing enjoying preferential tax policies must meet the following three criteria at the same time:
1. The plot ratio of residential buildings is above 1.0 (inclusive);
2. The single building area is below140m2 (inclusive);
3. The actual transaction price is lower than the price standard. (The unit price in the Fifth Ring Road is 39,600 yuan/square meter, and the total price is 4.68 million yuan; The unit price of the Fifth Ring Road to the Sixth Ring Road is 3 1.68 yuan/square meter, with a total price of 3.74 million yuan; Outside the Sixth Ring Road, the unit price is 23,760 yuan/m2, and the total price is 28 1 1,000 yuan. Only the unit price and the total price meet one of the two criteria. )
Because Beijing's non-ordinary residential standards are low, the market is basically a "luxury house". It is understood that 86% of the transactions in Beijing's new residential market are non-ordinary houses, and ordinary houses are basically concentrated outside the Sixth Ring Road, and only 5% in the Sixth Ring Road are ordinary houses. "
According to the analysis of insiders, the market price is far from the actual situation after the house price rises at 20 15-20 16. According to the current unit price, it is basically impossible for Beijing to have up-to-standard projects.
In fact, the problem of "luxury" of ordinary houses exists in many cities, which affects normal market transactions. If we can adjust the identification standard of non-ordinary houses, it will be beneficial to some just-needed projects. Although it may bring short-term fluctuations in the market, it is also a market-oriented policy adjustment in general.
Yan Yuejin, research director of the think tank center of Yiju Research Institute, also believes that there are actually many cities that need to adjust the standards of ordinary houses. Generally speaking, according to the real estate cycle, it needs to be adjusted every three years. Previously, the policy content released by Shenzhen will bring inspiration to many cities across the country. Follow-up should be based on local housing prices and ordinary housing demand, and actively adjust ordinary housing standards so that more people can enjoy preferential policies.