The recent symposium on real estate finance jointly held by the central bank and the China Banking Regulatory Commission clarified the relationship between finance and real estate, namely "one mechanism" (long-term real estate mechanism), "two persistences" and "three stable goals" (stable land price, stable house price and stable expectation). Among them, "two persistences" has a new formulation, "housing and not speculation" has been re-emphasized, and "insisting on not using real estate as a short-term means to stimulate the economy" has a strong guiding significance at this stage.
Preventing and resolving major risks is the first of the three major battles, including real estate risks. In view of the present situation of the real estate market, the central bank and the China Banking and Insurance Regulatory Commission issued the requirements of "maintaining the healthy development of the real estate market and safeguarding the legitimate rights and interests of housing consumers". Financial institutions should do these two tasks well in accordance with the principles of rule of law and marketization, and cooperate with relevant departments and local governments.
"Two Persistences" are the choices made by the central bank and the China Banking Regulatory Commission between economic growth and real estate regulation. Make clear the policy orientation of the current real estate market, and then look at the current real estate market from the buyer's point of view.
Perhaps it is blocked by frequent "price limit orders", and the results of the questionnaire survey of urban depositors in the third quarter of the central bank have not attracted the attention of all parties. According to the survey report, for the next quarter, 19.9% residents expect to "rise", down 5.6 percentage points from the previous quarter, while 55.8% residents expect to "remain basically unchanged", up 3.5 percentage points from the previous quarter, and 12.7% residents expect to "fall", up 0.5 percentage points from the previous quarter. When asked about the items that will increase spending in the next three months, the number of residents who choose to buy a house dropped from 19.7% in the second quarter to 19.2%. This data was as low as 13.2% in the third quarter of 2008.
This is the current situation of the buyer's market in the property market. As for the changes in market turnover caused by many new policies in the property market, it is the residents' response to the expected changes in house prices.
Another data that needs to be paid enough attention to is that the results of the national banker questionnaire survey conducted by the central bank in the third quarter of this year showed that the loan demand index of real estate enterprises was 45.3%, down 2.8 percentage points from the previous quarter.
As we all know, what housing enterprises lack most now is capital, but the answer given by bankers is a bit unexpected.
Although 10 officially released the results of the questionnaire survey of the central bank on June 8, this group of questionnaire survey results has always been one of the important reference factors for the introduction of policies. Therefore, the policy guidance of the central bank and the China Banking Regulatory Commission on the real estate market was made after full investigation.
Therefore, under the guidance of the new policy, Harbin put forward the implementation opinions to promote the stable and healthy development of the real estate market. The most striking thing is that outstanding talents can enjoy a maximum subsidy of 654.38+10,000 yuan when purchasing the first suite, which will stabilize the real estate market and attract talents. This is a new trend in the implementation of the "one city, one policy" policy for real estate regulation and control, and it is also the most acceptable scheme for regulators and market parties to "blow warm air" for the real estate market.
Before Harbin, some cities have introduced measures to compete for outstanding talents to settle down, and the "carrot" given is to give convenience and preferential treatment when buying a house. It can be predicted that after Harbin, more cities will stage the drama of robbing people with housing as the medium. It can not only retain talents, but also stabilize the real estate market, which is the biggest attraction of the future real estate "one city, one policy" regulation.