It is reported that the property market in Jinan released a blockbuster in the middle of the night on April 19th, and the purchase restriction policy was further upgraded, and the strictest purchase restriction in Jinan struck. Since the 2th, Jinan has purchased a second home for household registration, the down payment ratio has increased to 6%, the proportion of loans for first homes for non-household registration families has increased to 6%, and the longest period of commercial loans has been shortened to 25 years. At the same time, Changqing Zhangqiu is also included in the scope of purchase restriction. The houses purchased in the restricted purchase area cannot be listed and traded until the real estate certificate has expired for 2 years.

This upgraded version of the purchase restriction policy has been called "the strictest in history" by many people. The Notice regulates the market from land supply, credit, sales restriction and other aspects. From the perspective of land supply, in line with the principle of "increasing the total amount, controlling hot spots and balancing land supply", we will implement accurate land supply and stabilize the land market. For land transfer, it is required to guide enterprises to bid rationally. Combined with the premium rate of land transfer to improve the pre-sale conditions of the project, if the premium rate of residential land transfer reaches more than 1% (inclusive), the main structure of the project can be completed before applying for the pre-sale permit of commercial housing; If the premium rate reaches more than 15% (inclusive), you can apply for the pre-sale permit of commercial housing only after the project is completed and accepted. Set the maximum price limit for the transfer of residential land. When the bidder's quotation exceeds the maximum price limit, it will be transferred according to the construction of competitive infrastructure or public welfare facilities.

developers are limited to real estate speculators, will house prices fall?

Jinan's purchase restriction policy has been upgraded again. For the first time, the local auction price is linked to the pre-sale time, the credit policy has been introduced, the second suite has recognized the house and the loan, and the interest rate of the provident fund has risen; The real estate license is not allowed to be sold until two years later. The restricted purchase area was also extended to Changqing District and Zhangqiu District for the first time. How does the upgraded purchase restriction policy affect the market? The construction department of Jinan and relevant experts made an interpretation on this.

increase the cost of land acquisition? Reducing irrational behavior

In p>216, there were frequent land kings in Jinan land market, and in September, Guodian land was auctioned as a land king, with a premium rate as high as 719%. The irrational bidding of enterprises has raised the land price and triggered the irrational rise of the surrounding housing prices. Therefore, this regulatory policy points out that enterprises should be guided to bid rationally. Measures taken: First, improve the pre-sale conditions of the project in combination with the premium rate of land transfer. If the premium rate of residential land transfer reaches more than 1% (inclusive), you can apply for the pre-sale permit of commercial housing only after the main structure of the project is completed; If the premium rate reaches more than 15% (inclusive), you can apply for the pre-sale permit of commercial housing only after the project is completed and accepted, which is equivalent to the sale of existing homes.

an industry insider in the provincial capital said that in the purchase restriction policy on December 26th last year, it was stipulated that the pre-sale permit for commercial housing could not be processed until the main structure of a single house with more than 12 floors was completed. This purchase restriction has further raised the threshold for pre-sale certificates.

raising the interest rate of provident fund loans for the first time

This time, not only commercial loans are tightened, but also provident fund loans are tightened a lot. According to the policy, the interest rate of the provident fund loan for the second suite rises for the first time, which is 1.1 times of the benchmark interest rate. Similar policies are also reflected in the purchase restriction policies of other cities. However, this is the first time that Jinan's purchase restriction policy started last year involves the adjustment of the provident fund interest rate. In addition, the policy will also cancel the policy of drawing housing provident fund by paying the proof of housing maintenance funds. Both provisions are proof of the tightening of the provident fund policy.