1, admit the house but not the loan.
In late August 2023, the Ministry of Housing and Urban-Rural Development and the General Administration of Financial Supervision promoted the implementation of the policy of "recognizing the house but not the loan" for purchasing the first home loan. Behind the word difference from "recognizing the house and recognizing the loan" to "recognizing the house and not recognizing the loan" is to adjust and optimize the real estate policy in time in order to adapt to the new situation in which the relationship between supply and demand in China's real estate market has undergone major changes. This also opened a series of subsequent loosening tides.
2. Double limit lifting
In September, 2023, the core cities ushered in a wave of lifting the ban, and Nanjing, Hefei, Jinan, Qingdao and other second-tier cities 12 completely canceled the purchase restriction policy. In addition, eight cities including Fuzhou and Hefei completely lifted the restrictions on sales.
Prior to this, the relaxation of purchase restrictions mostly occurred in non-core second-tier cities or gradually relaxed, and this round of adjustment, most cities in one step, injected confidence into the market. However, at present, Beijing, Shanghai and Shenzhen continue to adopt stricter purchase restriction policies, and there is room for optimization.
Step 3 relax the price limit
As one of the "four limits", the price limit has also been loosened. Since June 65438+ 10, 2023, among the 22 cities that have implemented centralized land supply, 18 cities have cancelled the land price limit and restored the mode of "the highest bidder wins", including the first-tier cities of Guangzhou and key second-tier cities such as Chengdu, Hefei, Nanjing, Chongqing, Xiamen, Hangzhou and Suzhou.
While restoring the "highest-priced land", some cities also cancelled the price limit of commercial housing in land transfer. For example, four areas in Hangzhou have cancelled the price limit of new houses, and cities such as Chengdu, Fuzhou and Xiamen have cancelled the price limit of commercial houses announced in the land transfer.
4. Trade in the old for the new
In order to promote the property market transactions, local governments can be described as "eighteen martial arts", including "trade-in". The so-called "trade-in" is to help buyers who "sell old houses for new houses" lock new houses in advance and accelerate the sale of old houses.
5. The mortgage interest rate is lowered.
On the evening of August 3, 2023, the General Administration of Financial Supervision optimized the differentiated housing credit policy. The lower limit of the first set of commercial personal housing loan interest rate policy shall be implemented according to the current regulations, and the lower limit of the second set of commercial personal housing loan interest rate policy shall be adjusted to not less than the quoted interest rate of the loan market for the corresponding period plus 20 basis points.
6. Down payment
On August 3, 2023, the central bank's differentiated credit policy also guided the down payment ratio of house purchase. The minimum down payment ratio of the first set of commercial personal housing loans is not less than 20%, and the minimum down payment ratio of the second set of commercial personal housing loans is not less than 30%.
7. Optimization of ordinary residential standards
Shenzhen optimizes ordinary housing standards and cancels the total price limit. 65438+February 14, Beijing and Shanghai property markets relaxed the standard of ordinary housing at the same time, all of which increased the building area in the standard, canceled the total price limit, and Beijing also greatly increased the unit price standard. This is the ninth year since 20 14, and Beijing and Shanghai have adjusted the standards for the identification of ordinary houses again.
8. Placement-type affordable housing was released.
On August 25, 2023, the allocation of affordable housing was released, and the construction and supply of affordable housing were increased, with the focus on the allocation of affordable housing. Different from the housing with property rights such as price-limited housing and * * housing, the allotment-type affordable housing is a new variety, which adopts closed operation and cannot be listed and traded.
9. Reconstruction of villages in cities
Actively and steadily implementing the transformation of urban villages in megacities is an important measure to improve people's livelihood, expand domestic demand and promote the high-quality development of cities. A series of urban village reconstruction plans have been launched. Among them, since the information system of urban village reconstruction of the Ministry of Housing and Urban-Rural Development was launched two months ago, 62 reconstruction projects have been put into storage/kloc-0.
10, room ticket placement
Housing ticket placement refers to the settlement voucher issued by the collector to the expropriated person to purchase the house after the monetary quantification of the compensation rights and interests of the expropriated person. It was widely used as early as 20 16, but it gradually faded out after 20 18, reappeared in 2022, and reached its climax in 2023.
Refer to the above content: Baidu Encyclopedia-admit the house but not the loan.