Supporting the purchase demand of families with many children is becoming an important direction for optimizing and adjusting the property market policy in various places.

On May 17th, the Office of the Leading Group for the Steady and Healthy Development of the Real Estate Market in Hangzhou issued the Notice on Further Promoting the Steady and Healthy Development of the Real Estate Market (hereinafter referred to as the Notice), which further improved the regulation and control of the real estate market from the aspects of optimizing the second-hand housing transaction policy, improving tax adjustment and better meeting the demand of three-child families for buying houses.

In terms of meeting the demand of three-child families to buy houses, the Notice clarifies that, first, eligible three-child families will increase the number of housing units restricted in Hangzhou by one set; Second, eligible three-child families can refer to the "family without housing" to give priority to the lottery when signing up for the public lottery sales of new commercial housing.

Chen Wenjing, director of market research of Index Division of China Central Finger Research Institute, pointed out that since the beginning of this year, many cities have issued housing purchase policies for families with many children. The types of policies involve optimizing the purchase restriction policy, reducing the down payment ratio, granting incentives or housing subsidies, increasing the amount of provident fund loans, etc. Combining with the population policy, it has become an important direction to optimize and adjust the property market policies in various places. All localities actively implement the central spirit and support the release of rigid and improved housing demand. In the future, more cities will follow up and optimize the housing purchase policies for families with many children.

According to the incomplete statistics of The Paper, since May this year, at least 13 cities including Hangzhou, Hunan Hengyang, Nanjing, Zhejiang Zhoushan, Shenyang, Liaoning, Dongguan, Yangzhou, Jiangsu Wuxi, Jingdezhen, Suzhou, Sichuan Leshan, Ya 'an, Sichuan and Shangrao, Jiangxi have specifically mentioned the housing needs of families with many children in their property market policies.

the purchase restriction is loosened: four cities have made it clear that families with many children can purchase one new set of commercial housing

From the contents of policies issued in various places since May, Hangzhou, Nanjing, Shenyang, Dongguan and other cities have all mentioned the new policy of "families with two or three children are allowed to purchase one new set of housing", and some cities have made it clear that families with two or more children can purchase houses, but the current purchase restriction policy is not applicable.

Taking Hangzhou as an example, Hangzhou mentioned in the New Deal: eligible three-child families will increase the number of housing units restricted in Hangzhou by one set; At the same time, eligible three-child families will give priority to "families without housing" when signing up for the public lottery sales of new commercial housing.

Nanjing has made it clear that from May 11th, families with two or more children registered in Nanjing can purchase a new set of commercial housing, and at the same time, they can enjoy the best loan interest rate and other support from relevant banks.

Other countries that have introduced similar policies are Dongguan and Shenyang. In the Notice on Promoting the Stable and Healthy Development of the Real Estate Market issued by Dongguan on May 14th, it was mentioned that in order to support the demand for improved housing and respond to the spirit of optimizing the national birth policy, families who have two or three children in line with the national birth policy are allowed to purchase a new set of commercial housing.

Shenyang mentioned in the New Deal that in order to meet the housing needs of families with many children, families with two children and three children under the age of 18 who already own two houses in the administrative area of Shenyang can buy another set of newly-built commercial housing in the restricted purchase area of Shenyang.

Yangzhou is more direct. On May 9, Yangzhou Housing and Urban-Rural Development Bureau issued the Notice on Actively Supporting Talents in Yanglai and Families with Two or More Children to Improve Living Conditions, which mentioned that the current purchase restriction policy is not applicable to talents with junior college or above in Yanglai and families with two or more children to buy houses in urban areas.

Li Yujia, chief researcher of the Housing Policy Research Center of the Guangdong Provincial Planning Institute, believes that this policy has adapted to the policy orientation of encouraging childbearing in recent years, and this will also release some demand for changing houses driven by the increase of family population.

Yan Yuejin, research director of the think tank center of Yiju Research Institute, mentioned that similar expressions fully reflect the important changes in current local policies, that is, the combination orientation of "restriction of purchase policy and relaxation of birth policy encouragement", which can play a positive role, that is, while promoting active market transactions, it also helps to promote the solid advancement of population and birth policy.

increase in loan amount: the loan amount of housing provident fund for families with many children goes up

In addition to allowing families with many children to buy one more house, the policies issued by several cities explicitly mention that the loan amount for families with many children can go up on the basis of the maximum loan limit.

For example, in Zhoushan, Zhejiang Province, on May 13th, Zhoushan City, Zhejiang Province issued the Notice on Adjusting the Maximum Loan Amount of Housing Provident Fund and other related policies, which made it clear that the families of employees who gave birth to two children after November 19th, 213 (inclusive) and three children after May 31st, 221 (subject to the time specified in the birth certificate) applied for housing provident fund loans for the first time to buy the first self-occupied housing, or already owned one.

Shenyang mentioned in the New Deal that if the housing provident fund for the birth of two children and three children under the age of 18 is paid into the employee's family and the housing provident fund loan is used to purchase self-occupied housing, the loan limit can be relaxed to 1.3 times the current maximum loan amount.

Yangzhou has made it clear that the maximum loan amount can be increased by 1, yuan and 2, yuan respectively on the basis of Yangzhou's maximum loan limit if the paid workers' families who have given birth to two children or more (excluding two children) apply for housing provident fund loans and meet the application conditions.

In addition, many cities have introduced real money subsidies for buying houses. Take Jingdezhen as an example. Families with two children and three children who are permanent residents in Jingdezhen, and whose children are under 18 years old (as of April 3, 222), are given subsidies of 2 yuan/m2 and 3 yuan/m2 respectively on the basis of their household registration books or birth certificates.

Leshan, Sichuan mentioned that anyone who buys the first set of newly-built commercial housing will enjoy a subsidy of 8, yuan per set. Anyone who buys a second set of new commercial housing will enjoy a subsidy of 12, yuan per set. For families with two children and above who purchase new commercial housing, they can enjoy a subsidy of 5, yuan per house, and this policy can be superimposed with the first two items.

improving the demand of families with many children has become a new direction of property market regulation

Chen Xiao, a senior analyst at Zhuge Housing Search Data Research Center, pointed out that it is well known that many families with many children have improving demand. Such a policy is undoubtedly introduced to promote the release of improving demand in the market. On the basis of meeting the rigid demand for housing, the policy focus gradually shifts to improving groups. This policy signal is of great significance, conforms to the trend of market development and has certain rationality.

According to the monitoring data of Zhuge Housing Search Data Research Center, the product structure of key cities in China has gradually increased in recent years. In 214, 45.2% of the housing transactions were below 9 square meters, which was close to half of the total transactions. In the past five years, the proportion of housing transactions below 9 square meters was less than 2%, and 9-12 square meters was the main transaction. At the same time, the proportion of housing transactions above 12 square meters was also expanding in the past two years. Most of these groups are in need of improvement.

Chen Xiao believes that this multi-city housing purchase policy for families with two children and three children can be said to be a new direction of loosening the policy recently, achieving the effect of killing two birds with one stone. Combining the property market policy with the national fertility level not only promotes the release of reasonable housing demand, but also achieves the purpose of encouraging fertility and promoting population growth to a certain extent. From the current point of view, the measures of loosening policies in various places are becoming more and more diverse. It is expected that the policies will be continuously improved and deepened in the later period, and it is not excluded that more cities will follow suit.