Source: Fang Xun, Peyo. Com is marked by "Ten Articles of New China" on April 17. The property market has been regulated for more than a hundred days. After this hundred days of "baptism", the number of promotional properties has gradually increased.
According to the data of Hangzhou Transparent House Sales Network, since the property market regulation 100 days (from April 17 to July 26), 250 sets have been checked out in the main city of Hangzhou, and 50 sets have been checked out in Yuhang District100, of which 32 sets have been checked out in a single day, which has become the peak of check-out since the New Deal. Including the main city of Hangzhou and Yuhang District, the number of check-out sets reached 400.
Insiders analyzed that such an obvious check-out phenomenon is related to the introduction of the property market regulation policy. In a new macro-control policy, the mortgage policy is tight, the down payment for the second home reaches 50%, the interest rate is 1. 1 times, and the threshold for the third home loan is raised, which affects the ability of buyers to pay; Second, the introduction of the new property market policy has hit the confidence of property buyers, especially when property investors are bearish on the market outlook and choose to check out and leave the property market temporarily.
& gt& gt Check out within 100 days: Yuhang 65438+ 050 sets and 250 sets in the main city.
/kloc-in April of 0/7, the property market suddenly became "weak" as soon as the "Ten Articles of New China" to curb the excessive rise in housing prices was introduced. Reflected in the market level, developers cautiously push the plate, buyers wait and see, the transaction volume drops, but check-out increases.
On May 19, just after the "full moon" of the new property market regulation policy, there were 7 sets of check-outs in the main city, of which 6 sets were located in Xiasha plate, a popular area in Hangzhou. These buildings involved in check-out, such as Four Seasons Landscape Garden, Jinsha Sunshine Apartment and Shengtai Du Ming Apartment. The speculative atmosphere in this sector is very strong, especially for foreign investors such as Wenzhou and Taizhou.
By May 23, just one week later, the check-out volume in the main city of Hangzhou reached 44 sets, involving 28 buildings, with Gongshu District, Xiasha District and Binjiang District being the most widely distributed.
The phenomenon of check-out in June did not "converge", and the number of check-out sets in the whole month reached 127 sets. The property market continued to check out in July, and 69 sets were checked out from July/KLOC-0 to July 26th.
Compared with the main city, the check-out situation in Yuhang District, a major city in Hangzhou property market, can not be underestimated, showing a relatively concentrated check-out phenomenon. According to the check-out data released by Yuhang District Real Estate Information Network, during the 100-day period of property market regulation, Yuhang District checked out a total of *** 150 sets, of which 32 sets were checked out on June 4.
On July 19, Yuhang District checked out 20 sets a day, which became another check-out peak since the property market regulated the New Deal. And most of them are faster houses that have been opened for less than half a year, such as Clear Water Bay Villa, Jinchang Nianhua, Huading King's Landing World City and Xicheng Times Home. These properties are popular properties currently on sale in this area.
In addition to Huading King's Landing World City and Jinchangnian Huayuan, other hot properties are also "unwilling to lag behind", such as Donghai Waterscape City in Linping Nanyuan Street, Liancheng International and Dongcheng Lijing in Qiaosi Plate, Xin Ming Peninsula in Zhongtai Town, Shumei Apartment in Liangzhu Group and jazz style in Xianlin Plate.
The reporter noted that many of these houses involved in the termination of contracts are auction houses, such as Hotan Shangcheng, Qi Yue Meiyu, Blue Qianjiang Apartment, West Room Yunxi Impression, Huading Junlincheng, Jinchangnian Huayuan, etc. Among these check-out properties, although there are also commercial properties such as Ganlong Building and Zunbao Building, they are generally few.
& gt& gt Buyers have different check-out mentality: some are helpless, and some are worried about falling house prices.
/kloc-in April of 0/7, the property market regulation policy was introduced, and the developers and buyers who had signed the purchase contract were in a state of "panic" for some time. The down payment of the second suite reaches 50%, and the interest rate is 1. 1 times. The threshold of three home loans has risen, how to make up the house payment? Legend has it that property tax will be introduced, and investors with multiple houses in their hands will start to panic; Signing a house purchase contract at a high price will result in a big loss when the house price drops, and the mentality of buyers will become very different.
With the adjustment of the property market, a number of buildings with concentrated investors in Hangzhou were continuously reported as "check out". Among them, Xiasha Shimao Jiang Bin Garden encountered as many as 100 people, about 80% of whom were from Wenzhou. Developers also improvise, who signed the intention but did not sign the contract will be returned; Those who signed the contract were treated differently. Customers who are unable to pay due to the change of the New Deal are allowed to return a house, but buyers who pretend to be "unqualified" for fear of falling house prices are not allowed to return a house.
Many real estates in Yuhang District opened just before the introduction of the property market regulation policy, and they checked out as soon as the policy was introduced. For example, the Xicheng Times Home in Old Yuhang opened in April 1; The second phase of Linping Huading Linjun Tianxia City was launched on April 8, and check-out appeared in turn after the introduction of the New Deal; In addition, there is a similar phenomenon in Zhongtai Township of Xin Ming Peninsula. Its buildings 17 and 19 were opened on April 1 1. Six days after the opening, the New Deal was introduced and seven houses were retired. The developer explained that the credit and income certificates of buyers were untrue, which led to the failure of bank mortgage.
Zhao Hangsheng, director of the Real Estate Research Institute of Zhejiang University, told reporters that there are many reasons for checking out at this time. An important reason is that in this round of macro-control new policies, the tight mortgage has an impact on buyers, and the down payment for second homes has increased and interest rates have increased; The threshold of three home loans has been raised, and the ability of buyers to pay has been affected, so they can only choose to return a house.
Zhang Huifang, general manager of Hangying Structure, said that the introduction of the new property market policy directly affected the tightening of mortgage, and some property buyers had to return a house because they could not get a bank mortgage.
The State Council's policy of raising the down payment and interest rate of the second home loan has just been announced for half a day, when the original rising house price suddenly came to an abrupt end. It even came out that a new site in Beijing broke the news that it dropped by 3,000 yuan per square meter, and buyers became more and more nervous about buying a house, which caused a "blow" to themselves. House prices and property taxes began to affect check-out.
In addition to the ability to pay housing prices, "many of these retired houses were bought before the introduction of the New Deal. At that time, house prices were very high, and the degree of increase was abnormal and unreasonable. They expect to get rid of it after the house price rises, and the regulation policy will be introduced. The rising trend of house prices has been curbed, and buyers choose to check out to avoid risks. At the same time, rumors about property tax have diluted buyers to a certain extent. " Wang Yongtai, a real estate researcher at Zhejiang Academy of Social Sciences, said.
& gt& gt expert analysis: "Real estate speculators" are withdrawing.
Wang Yongtai said that the new policy of the property market requires raising the threshold for two or more mortgages, which increases the speculative risk of real estate speculators. "The original down payment is only 20%, and the second set can be 30%. Now you have to pay 30% for the first set, and there are still restrictions. The second down payment has been raised to 50%, and the funds and risks required by real estate speculators have increased. "
In addition to the return of home buyers, recently, there have been "exit doors" in Shanghai, Nanjing and Wenzhou. Wang Yongtai believes that although there is no big fluctuation in house prices, the effect is obvious, and the momentum of rising house prices has been curbed. According to the research conclusion, the consumption of mortgage in Hangzhou has increased year by year in recent years, and the money used by real estate speculators for real estate speculation is also borrowed from bank savings. If not adjusted, the real estate industry and banking and financial industry will face risks, and the wind of real estate speculation must be curbed. Compared with before, speculation in the property market is very serious now.
In view of the check-out phenomenon during the 100-day regulation of the property market, "at present, speculators are greatly affected by the regulation policy of the property market. If there is a large number of check-outs, it may be related to the withdrawal of investment and speculators. " Industry analysts believe that.
Zhao Hangsheng said that the current check-out phenomenon reflects the impact of the new property market regulation policy on the confidence of buyers. In particular, investors feel that it is unprofitable to quit when they are bearish on the property market. "Real estate speculators expect house prices to fall and ask for check-out."
Zhang Huifang also believes that the introduction of the New Deal has hit investors' confidence in the market outlook, and many real estate speculators have checked out and fled the property market on the pretext that they can't get a mortgage.