65438 10 9, according to official website news, the Sichuan Provincial People's Government, the Sichuan Provincial Party Committee and the provincial government issued the "Implementation Plan on Optimizing the Birth Policy and Promoting the Long-term Balanced Development of the Population", which mentioned relaxing the qualification conditions for families with two or three children to purchase houses.
According to incomplete statistics, since May this year, there have been at least Hangzhou, Zhejiang, Hengyang, Hunan, Nanjing, Jiangsu, Zhoushan, Zhejiang, Shenyang, Liaoning, Dongguan, Yangzhou, Jiangsu, Wuxi, Jingdezhen, Suzhou, Sichuan, Leshan, Ya 'an, Sichuan, Shangrao, Suining, Sichuan, Xiamen, Fuzhou, Zibo, Liangshan, Zhejiang, Ningbo, Yancheng, Jiangxi, Huangshi, Hubei. Nearly 40 cities, including Xinghua in Jiangsu, Qingdao in Shandong, Yantai in Shandong, Huangshan in Anhui, Yili in Xinjiang, Tianmen in Hubei, Nanning in Guangxi, Yibin in Sichuan, Nanchong in Sichuan, Yichun in Jiangxi and Dingzhou in Hebei, specifically mentioned the housing needs of families with many children in their property market policies.
The purchase restriction is loosened: 8 cities have made it clear that families with many children can buy commercial housing 1 set.
Judging from the contents of policies issued in various places since May, Hangzhou, Nanjing, Shenyang, Dongguan, Qingdao, Changsha, Ningbo, Xiamen and other cities have all mentioned the new policy of "allowing families with two or three children to buy new houses", and some cities have made it clear that families with two or more children can buy houses, but the current purchase restriction policy is not applicable.
Taking Qingdao, Shandong Province as an example, on September 15, the official WeChat account of Qingdao Housing and Urban-Rural Development Bureau released "Dynamic Improvement of Qingdao Real Estate Policy". According to the New Deal, local residents are limited to purchase 2 sets of new commercial housing in the restricted area, and families with two or three children can buy 1 set.
In August this year, Changsha issued the "Work Plan on Optimizing the Birth Policy and Promoting the Long-term Balanced Development of the Population", in which it was mentioned that for local registered families who have given birth to two or more children according to law, 1 set of housing purchase indicators was added.
Hangzhou mentioned in the New Deal: For eligible three-child families, the number of restricted housing units in Hangzhou increased by 1 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 1 1, families with two or more children registered in Nanjing can buy a new set of commercial housing and enjoy the best loan interest rate support from relevant banks.
Dongguan and Shenyang have also introduced similar policies. In the Notice on Promoting the Stable and Healthy Development of the Real Estate Market issued in Dongguan on May 14, it was mentioned that in order to support the demand for improved housing and respond to the spirit of the state's optimized birth policy, families who have two or three children in line with the state's 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 18 who already own two houses in Shenyang administrative area can purchase 1 new commercial housing in Shenyang restricted purchase area.
Yangzhou is more direct. On May 9, Yangzhou Housing and Urban-Rural Development Bureau issued the Notice on Actively Supporting Yanglai Talents and Families with Two Children and Above to Improve Living Conditions, which mentioned that the current purchase restriction policy does not apply to Yanglai College and above talents and families with two children and above who buy houses in urban areas.
Li, chief researcher of the Housing Policy Research Center of Guangdong Provincial Planning Institute, believes that this policy has adapted to the policy orientation of encouraging fertility in recent years, and will also release the demand for housing replacement driven by the increase of family population.
Yan Yuejin, research director of a think tank center of a research institute, mentioned that similar expressions fully reflect the important changes in current local policies, that is, the combination orientation of "restricting purchase policy and relaxing birth policy encouragement" can play a positive role, that is, while promoting active market transactions, it also helps to promote the solid advancement of population and birth policies.
Relieve the pressure on housing funds: the amount of provident fund loans will increase and housing subsidies will be given.
In addition to allowing families with many children to buy more 1 apartment, the policies issued by several cities clearly mention that the loan amount of families with many children can be increased on the basis of the maximum loan limit.
Nanchong City, Sichuan Province issued "Ten Measures to Support Rigid and Improved Housing Demand and Promote the Stable and Healthy Development of the Real Estate Market" on September 30th. The "Measures" clarify that the down payment ratio of the first home provident fund loan in Nanchong is 20%, and the down payment ratio of the second home provident fund loan is reduced from 40% to 30%. For families with two children and three children who meet the national birth policy to buy new houses in Nanchong, the amount of provident fund loans for families with two children and three children will be increased by 65,438+10,000 yuan and 200,000 yuan respectively according to the current implementation standards. That is, the maximum loan amount for unilateral deposit of provident fund is raised to 600,000 yuan and 700,000 yuan respectively, and the maximum loan amount for bilateral deposit of employee family provident fund is raised to 700,000 yuan and 800,000 yuan respectively.
On September 2 1 day, xinghua city, Taizhou City, Jiangsu Province issued the Notice on Effectively Coping with the Impact of the Epidemic to Promote the Healthy Development of the Real Estate Industry in our City, clarifying that if Taizhou registered families have two or three children (all children are below 18 at the time of purchase), the maximum amount of housing provident fund loans for dual employees and single employees will be adjusted to 1 10,000 yuan and 500,000 yuan respectively.
On August 1 day, Hangzhou Housing Provident Fund Management Committee issued the Notice on Implementing the Preferential Policies of Housing Provident Fund for Three-child Families. It is clear in the notice that if a three-child family in Hangzhou purchases the first set of ordinary self-occupied housing and applies for a housing provident fund loan for the first time, the loan amount can be determined according to the current maximum loan limit of the family.
On the same day, the Cangzhou Housing Provident Fund Management Committee issued the Notice on Increasing the Loan Amount of Housing Provident Fund for Families with Many Children, which mentioned that in order to give full play to the role of the housing provident fund system, support the rigid and improved housing needs of families with "two children" and "three children", and ease the financial pressure on families with many children to purchase houses, Cangzhou City issued preferential policies to increase the loan amount of housing provident fund for families with many children. Among them, the maximum loan amount for two-child families increased by 654.38+10,000 yuan, and the maximum loan amount for three-child families increased by 200,000 yuan.
In addition, many cities have introduced real money housing subsidies, such as Jiaxing, Zhejiang. On August 2nd, official website, Housing and Urban-Rural Development Bureau of Jiaxing City, Zhejiang Province, showed that the Leading Group for Steady and Healthy Development of Jiaxing Real Estate Market issued the Implementation Opinions on Further Improving the Steady and Healthy Development of Jiaxing Real Estate Market. Regarding the housing support policy for two-child and three-child families registered in Jiaxing, the implementation opinions are clear. From the date of promulgation to February 3, 2022, the housing subsidies for two-child and three-child families registered in Jiaxing who have newly purchased new commercial housing will be given to 300 yuan per square meter (no more than 50,000 yuan for a single set) and 500 yuan per square meter (no more than 65,438+10,000 yuan for a single set).
Take Yancheng, Jiangsu Province as an example. In June this year, Yancheng multi-departments jointly issued "Eight Policies on Effectively Coping with the Impact of the Epidemic and Promoting the Healthy Development of the Urban Real Estate Market", clarifying that families with salt, lai and salt college education or above or having two children after 20 16 1 will be given a one-time housing subsidy of 50% of the deed tax, with a maximum of 30,000 yuan. Families giving birth to three or more children after May 3 1 (in line with the current birth policy) will be given a one-time housing subsidy of 100% of the deed tax paid, with a maximum of 60,000 yuan.
Improving the needs 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 as we all know, many families with many children have improvement needs. Such a policy is undoubtedly to promote the release of market demand for improvement. On the basis of meeting the demand for rigid housing, the focus of policy has gradually shifted to improved groups. Such a 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, in recent years, the product structure of key cities in China has been gradually improved. In 20 14, 45.2% of the houses were sold under 90 square meters, which was close to half of the total transactions. In the past five years, the transaction volume of houses below 90 square meters accounted for less than 20%, and the main transaction volume was 90- 120 square meters. At the same time, the housing transactions of 120 square meters or more in these two years ended. Most of these groups need 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 policy loosening in the near future, which has achieved 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, there are more and more measures to loosen the policy in various places. It is expected that the later policies will be continuously improved and deepened, and it is not excluded that more cities will follow suit.