Many of the 20 measures in Harbin property market mentioned that the purchase of new houses can be subsidized, and the subsidy is not limited to the first suite, but also covers the second suite.
Among them, households registered in Harbin (including 9 districts and 9 counties (cities)) conform to the birth policy, and if they give birth to their second and third children after 20211October 29th, they will buy the first or second set of newly-built commercial housing in 9 districts of the main city, and give them 1.5 million yuan respectively with relevant valid certificates.
Those who have paid social security for more than 6 months continuously in Harbin, as well as those who are under 40 years old (without household registration restrictions) and start their own businesses, will buy the first or second set of new commercial housing in the 9 th district of the main city, and will be given a one-time housing subsidy according to the standard of 6,543,800 yuan for doctoral graduates, 50,000 yuan for master graduates and 30,000 yuan for undergraduate graduates and junior college graduates (including technical college graduates).
For teachers, retired soldiers who have obtained professional qualification certificates from relevant departments of provinces, cities and districts (counties), and buyers with agricultural household registration, the first or second set of new commercial housing will be purchased in the ninth district of Harbin, and a one-time housing subsidy of 30,000 yuan will be given with relevant valid certificates.
It is worth mentioning that housing subsidies in Harbin will also be extended to foreign residents.
The exposure draft shows that non-Harbin registered individuals buy the first or second set of newly-built commercial housing in the nine districts of the main city, and sign the commercial housing sales contract, my identity certificate, household registration book, purchase payment form and immovable property certificate online for the record, giving a one-time housing subsidy of 654.38 million yuan, and the subsidy funds are borne by the municipal finance.
In addition, Harbin mentioned in relevant measures that it can combine the unique conditions of Harbin area and climate, expand external promotion, and timely organize housing enterprises to go to the south and other places to carry out promotion activities outside the province.
In terms of provident fund loans, on the premise of ensuring the value of housing collateral, the housing age of second-hand housing provident fund loans will be relaxed from 20 years to 30 years, and the sum of the loan age and housing age will not exceed 50 years. At the same time, employees who have paid provident fund in different places are allowed to apply for provident fund loans in Harbin, so that employees in different places can enjoy the same provident fund loan policy in Harbin.
Jaco, president of 58 Anjuke Research Institute, said that housing improvement is the focus of stimulating domestic demand, and more favorable policies will be introduced in various places this year to promote improved demand to enter the market. In addition, there are still many tools in the policy toolbox of first-and second-tier cities and hot cities, especially the down payment and interest rate.
However, Lu Wenxi, senior research manager of Zhongyuan Real Estate, believes that subsidies for non-local registered families to buy two new houses can show that Harbin has a strong support for the property market.
"Harbin registered residents can get subsidies for buying two new houses. The scope of subsidies is wider than that of many cities, but it can still be said to support improved demand. Although the subsidy for foreigners to buy a second home is not high, it cannot be explained only by supporting improved demand, and it may have some significance to encourage investment. " Lu Wenxi, senior research manager of Zhongyuan Real Estate, told reporters.
Analysts told reporters that due to the market downturn and other factors, the transaction in Harbin property market was not ideal, and the relevant local policies were intended to promote consumption in the real estate market.
According to the national 100-city new residential price index of Central Reference Institute, in February 2022, the price of new residential buildings fell in 68 cities, and in Harbin and other four cities, the decline was above 0.5% (inclusive), with Harbin having the largest decline of 0.8%.
Lu Wenxi believes that from the market environment, the bottom of the property market is gradually becoming clear. The 20 measures to stabilize the property market announced by Harbin this time will further release the housing consumption demand, but it remains to be seen when the local property market can really stabilize.