Recently, there have been frequent provident funds in various places to support the purchase of houses. According to incomplete statistics, in July, 83 provinces and cities across the country issued 93 policies related to the real estate market, including 50 adjustments to the provident fund policy, which became the most concentrated policy control direction of the real estate market in July. In August, Hangzhou, Huzhou, Mengla and other places continued to introduce provident fund support policies.
Zhang Dawei, chief analyst of Zhongyuan Real Estate, told the reporter of 2 1 Century Business Herald that the provident fund policy is a localized policy, which is decided by the local authorities and has greater authority, so it has become the first choice to rescue the market in the near future.
Provident fund support policies are intensively introduced.
According to the reporter's incomplete statistics, the adjustment of provident fund policy in July mainly involved increasing the amount of provident fund loans for families with many children, reducing the down payment ratio of provident fund loans or increasing the amount of provident fund loans, and implementing the policy of "one person buying a house to help the whole family". First-tier cities such as Beijing and Shanghai have adjusted the deposit base of provident fund.
In the previous policy regulation, in order to meet the housing needs of families with many children, the number of housing for families with many children has been increased everywhere. In July, they promoted the new provident fund policy to support families with many children to buy houses, including Cangzhou in Hebei, Lishui in Zhejiang, Hengshui in Zhejiang and Taizhou in Zhejiang. For example, on July 3 1 day, Cangzhou, Hebei Province increased the maximum loan amount of provident fund for two-child families and three-child families by 654.38+10,000 yuan and 200,000 yuan respectively.
In August 1, Hangzhou launched the preferential policy of three-child family provident fund. In addition to supporting three-child families to buy the first suite and apply for provident fund loans for the first time, the loanable amount has been increased by 20%, and a rental support policy has also been introduced, that is, if three-child families rent houses without housing, the withdrawal limit will be determined according to 50% of the prescribed quota standard.
However, as far as the actual effect of this policy is concerned, Zhang Dawei said that the proportion of people who meet the requirements of "three-child families buying houses for the first time and using provident fund for the first time" is not large, so it can't have much pulling effect on the market.
In addition to increasing the amount of provident fund loans for families with many children, reducing the down payment ratio of provident fund loans or increasing the loan amount is also one of the main provident fund support policies. For example, Zunyi, Guizhou proposed in the New Deal in July that the minimum down payment ratio of second-home provident fund loans should be reduced from 30% to 20%. On July 2 1 day, Taizhou, Zhejiang Province issued a similar policy, and the maximum amount of provident fund loans was adjusted to 1 10,000 yuan. You can enjoy the maximum amount for the first and second use of provident fund loans.
Take Taizhou, Zhejiang Province as an example. According to the data of China House Price Quotes Network, the average house price in Taizhou in recent months 1 month is 17459 yuan/square meter, and the average household area is 135 square meter. According to this rough estimate, the first house of 135 square meters is purchased, and the total price is about 2.307 million yuan. According to the new provident fund policy, the down payment for the second suite can be reduced by about 235,700 yuan.
In addition, since May, various localities have successively introduced the provident fund policy of "one person buying a house to help the whole family". At present, the pace of this policy has been significantly accelerated. In July, Tangshan and Shenzhen also issued or planned to issue relevant policies, hoping to activate the demand for buying houses through measures such as parents or children as * * *, allowing immediate family members to withdraw the balance of provident fund to help buyers repay loans.
Yan Yuejin, research director of the think tank center of Yiju Research Institute, said that the form of "one person buying a house to help the whole family" can improve the salary or income evaluation of buyers, obtain a higher amount of provident fund loans, further reduce the cost of buying a house and increase the enthusiasm of buying a house.
There are differences in urban policies at different energy levels.
According to institutional data, in the first half of the year, the transaction area of commercial housing in the first, second and third tier cities decreased year-on-year, but the overall housing prices in the first and second tier cities were stable and slightly increased, but the prices of new houses in the third and fourth tier cities all fell month-on-month.
Most cities that have introduced the "fancy" regulation policy of provident fund are also third-and fourth-tier cities. Some second-tier cities also have adjustments for families with many children and loan quotas, while first-tier cities mainly focus on increasing the deposit base.
The adjustment of provident fund policy in third-and fourth-tier cities is diversified. Cangzhou, Lishui and Hengshui have increased the amount of provident fund loans for families with many children, Zunyi, Luzhou and Taizhou have reduced the down payment ratio of provident fund loans, and Shaoyang, Tangshan and Chaozhou have introduced the policy of "one person buying a house to help the whole family".
Second-tier cities also involve relevant policies, but the number of cities is less than that of third-and fourth-tier cities. In July, Foshan plans to increase the amount of provident fund loans for high-level talent housing to 6,543,800 yuan, and Dalian will increase the upper limit of provident fund loans to 800,000 yuan.
In addition to Shenzhen's plan to launch the policy of "one person buying a house to help the whole family", the adjustment of provident fund policy in first-tier cities is mainly to increase the base of provident fund deposit. For example, since July 65,438+0, Beijing has adjusted the upper and lower limits of this year's provident fund deposit base to 365,438+0.884 yuan and 2,320 yuan respectively, and other first-tier cities have also made similar adjustments in the past two months.
Zhang Dawei believes that first-tier cities only fine-tune the provident fund, while third-and fourth-tier cities can introduce a large number of supporting policies. To a certain extent, due to the large number of people paying the provident fund in first-tier cities, there is a risk that the provident fund will be loaned out if it is greatly adjusted; In third-and fourth-tier cities, state-owned enterprises and government departments mainly pay provident fund, and the number of users of provident fund loans is relatively small, so the possibility of risks is relatively small; However, individual second-tier cities have adjusted the maximum loan amount, which is limited and the risks are controllable.
As far as the actual effect is concerned, taking the first-tier city of Beijing as an example, an Internet company practitioner told the reporter of 2 1 Century Business Herald, "As far as my current salary level is concerned, the adjustment of the base ceiling has little impact on me, but it will indeed benefit the high-income colleagues engaged in technical work in the company, which will help them buy a house or ease the pressure of repaying loans."
A real estate agent in Dalian, a second-tier city, told 2 1 Century Business Herald that the market rebounded slightly after the introduction of the New Deal, but it did not break out because the first home provident fund loan required a 40% down payment.
Many interviewed real estate agents in Zunyi and Luzhou, third-and fourth-tier cities, reported that the local market did not fluctuate too much due to the introduction of the New Deal, and the number of buyers in July was basically the same as that in June.
Zhang Dawei said that although the policies in the third-and fourth-tier cities are relatively strong, the actual effect is not obvious because fewer people pay the provident fund, and more people want to activate the psychology of buying houses.
In Zhang Dawei's view, the future adjustment of provident fund policy should focus on first-and second-tier cities, while the adjustment of provident fund policy in third-and fourth-tier cities is limited by the number of depositors.
First, the key to the adjustment of provident fund policy in second-tier cities is to raise the loan ceiling. "First-tier cities just need housing prices of four or five million. I think it is more reasonable to raise the upper limit of provident fund loans to 2 million yuan. " Zhang Dawei said.