According to the incomplete statistics of the Securities Daily reporter, only in May and a half, 36 cities "fancy" the introduction of property market support policies. And in terms of content, in addition to continuing to deepen the previous "traditional" means, there are also many innovative measures such as "taking stock houses as rental housing and not counting them in the calculation of family units".
Jaco, dean of the branch of 58 Anjuke Real Estate Research Institute, said in an interview with the Securities Daily that this year's property market regulation has become more and more prominent due to the city's policy and refinement, especially on the demand side. Generally speaking, under the background of steady growth, it is particularly important to ensure the smooth operation of the real estate market, promote the expected stability of real estate, meet the reasonable housing demand, and promote the industry to gradually enter a "virtuous circle".
Since May, many cities have issued a series of policies to support the real estate market, especially the New Deal in Changsha. For example, the "Pilot Implementation Plan for Promoting Multi-agent Supply and Multi-channel Guarantee of Rental Housing in Changsha City" proposes that houses that have been delivered through online signing or real estate registration will not be included in the calculation of family housing sets after being revitalized for rental housing.
"This policy design is very novel and practical." Li, the chief researcher of the Housing Policy Research Center of Guangdong Provincial Planning Institute, said in an interview with the Securities Daily that the policy meets the demand of homeowners for re-purchase; On the other hand, with the "transformation" of stock houses to rental houses, the increase of supply will also help to stabilize or even decrease rents. So as to realize the effective coordination between "housing" and "anti-speculation".
Ye Yindan, a researcher at China Bank Research Institute, also told reporters that the policy jumped out of the traditional thinking that the construction of affordable housing was dominated by the government in the past, and explored the use of personal real estate to rely on market-oriented means to expand the supply of rental housing through multiple channels. Changing the supply subject of rental housing from the government to the government and residents can also effectively reduce the government's investment and pressure in the construction of affordable rental housing. In addition, from the perspective of policy effect, although the main intention of the policy may not be to adjust the purchase restriction, it will objectively bring about the effect of "loosening" the purchase restriction, which is expected to promote the recovery of the real estate market to some extent.
Of course, in addition to this groundbreaking property market support policy, from the content of the property market policies introduced in various places since May, the "traditional" means such as reducing down payment, increasing the amount of provident fund loans, giving housing subsidies, and canceling sales restrictions are still the mainstream.
For example, Lianyungang, Changshu, Jingdezhen, Qinzhou, Yangzhou, Meizhou, Changchun and other places have clearly reduced the down payment ratio of the first suite or the down payment ratio of provident fund loans. For another example, Leshan, Maanshan, Dezhou, Jingdezhen and other places have clearly increased the amount of provident fund loans. In addition, Rizhao, Ziyang, Hebi and other places explicitly give housing subsidies or deed tax subsidies. In addition, there are not a few cities that have the conditions to relax or cancel the purchase restriction. For example, Yangzhou proposed that "the current purchase restriction policy does not apply to young people with college education or above and families with two or more children who buy houses in urban areas".
Yang Kewei, deputy general manager of Ke Rui Research Center, believes that the real estate support policies introduced by many cities are getting richer and richer, and the intensity is obviously increased, which has touched the relaxation of core regulatory policies such as restricting loans and purchases. However, in order to effectively boost the transaction performance of the real estate market, the subsequent property market support policies need to solve the "three uncertainties" that buyers are worried about. That is, it is uncertain whether the house can be delivered on schedule, whether the house price will fall and whether the monthly supply can be sustained. Only by dispelling the concerns of buyers in these three aspects can we effectively improve the effectiveness of policies and achieve a win-win situation for all parties and a virtuous circle of the industry.
"Because of the large scale and long chain of the real estate industry, its role in stimulating China's economic growth and stabilizing the economic level is obvious. In addition, due to the numerous upstream and downstream industries associated with the real estate industry, it can be said that the stabilization and recovery of the real estate market is also of great significance for the prevention and control of financial risks. " Jaco said that from this perspective, the follow-up can look forward to stronger policies to support the property market.