On June 10 and 10, Harbin Municipality jointly issued the Implementation Opinions on Promoting the Stable and Healthy Development of Harbin Real Estate Market (hereinafter referred to as the Implementation Opinions), and the implementation opinions were *** 16. The implementation opinions to reduce the burden of housing enterprises include lowering the pre-sale permit standard, speeding up the withdrawal of pre-sale funds, reducing the pre-collection rate of land value-added tax, supporting the promotion activities of housing enterprises, etc. In order to improve the housing demand, the implementation opinions put forward policies such as giving housing subsidies to talents and new citizens, relaxing the age of second-hand housing provident fund loans, and reducing the living cost of apartments.
Once the new policy of "16" was released, it attracted the attention and heated discussion among the people. After the epidemic situation in COVID-19 dispersed and Harbin was fully normalized, a reporter from China Real Estate News recently visited and found that the sales offices, which were once deserted, had a rebound in both the number of visits and the volume of transactions. Many real estate enterprises actively responded to the "16" New Deal, and incorporated the housing subsidy policy into the housing purchase publicity materials. Property buyers also call major sales offices or government departments to consult the specific implementation details of the relevant housing subsidy policy.
After the release of the New Deal, many domestic institutions and media interpreted and analyzed it. Some media interpret Harbin as encouraging real estate enterprises to cut prices and promote sales, relaxing the supervision of pre-sale funds, and starting the first shot of "saving the market" in the country. In this regard, China Real Estate News reporter interviewed the relevant person in charge of Harbin Housing and Construction Bureau, and interpreted the New Deal from four angles: benefiting the people, benefiting enterprises, strengthening the city and supervision.
In the eyes of policy makers, the promotion activities mentioned in the New Deal to support housing enterprises are not to encourage price reduction by some media, but to let housing enterprises stabilize prices, find a correct position, and prohibit "malicious price reduction and disrupt the market" in the name of promotion; In the supervision of pre-sale funds, Harbin still continues the previous policy, and there is no adjustment in terms of supervision methods, supervision amount and supervision ratio. On the whole, the supervision threshold has not been lowered in the supervision of pre-sale funds. More importantly, government departments hope to solve the population outflow and attract talents from all over the country to "live and work in peace" in Harbin through policies that benefit the people, such as subsidies for talents to buy houses.
In the first half of 200212002, in order to attract all kinds of talents to settle down, the Harbin municipal government issued a number of policies to encourage employment and entrepreneurship in Kazakhstan and attract and gather high-level and high-quality talents. In July, the Harbin Municipal People's Government also issued an initiative to carry out a series of tax incentives and compensation policies for Harbin people who returned to their hometowns to invest, increase preferential support, and advocate returning to their hometowns to start businesses and develop together.
In the new policy of "16" released this time, the amount of subsidy for talents to buy houses ranks first among the four core cities in Northeast China, and the talent standard is relaxed from five years after graduation in other cities to 35 years old. It is worth mentioning that the subsidy policy for foreigners to buy houses in Harbin has been added, which provides benefits for the introduction of talents and foreigners to buy houses in Harbin.
"Through the introduction of policies, it will boost market confidence and bring positive impetus to the market, hoping to attract more people to start businesses, settle down and settle down in Harbin." The relevant person in charge of Harbin Housing and Construction Bureau said, "In order to let local and foreign talents' live and live', more preferential policies will be released in the future."
Housing enterprises: the number of visits and transactions increased. The real estate market began to show signs of stability.
10 On the afternoon of June 5438+05, many buyers came to look at the sales office of China Resources Land, the newly officially opened China Shipping Jiuli Fanghua Project. Wang Xuan, Marketing Director of China Resources Land Harbin Company, said that with the spread of the COVID-19 epidemic, the popularity of China Resources' sales office in Harbin recovered from 10 to 10 relatively obviously, and the number of visits and turnover increased significantly.
Wang Xuan said that "16" not only affects the property market, but also cities. This is a truly implemented policy. The New Deal not only boosted the market's confidence in the property market, but also boosted the confidence in the city. Recently, buyers who meet the policy requirements have come to China Resources Sales Office for consultation and purchase. I believe that the introduction of the policy will play a positive role in the development of Harbin property market and gradually return to stability.
"Recently, the number of visits to the sales offices of various projects has increased, increasing by 10%-20%." Li Huan, head of marketing of China Shipping Enterprise Development Harbin Company, said that at present, China Shipping has carried out publicity and training on several projects in response to the 16 new policy of housing subsidy for talents, so that more buyers can understand this policy of benefiting the people.
"The current downturn in the Harbin property market is caused by multiple factors." Xin Li, vice president of Huilong Real Estate Marketing, analyzed that from a nationwide perspective, the "three red lines", the two red lines of real estate loans and various policies have made the capital chains of major housing enterprises more and more tense. In order to quickly withdraw funds, they have exchanged prices for quantity, vicious competition and disrupted market order. This phenomenon is widespread in many cities across the country. As far as Harbin is concerned, there are also factors such as unbalanced land supply structure and population outflow that lead to the market downturn.
"The market has the laws of the market, and it is most dangerous when you lose confidence. We believe that the introduction of the new property market policy aims to boost market confidence, attract and retain talents through housing subsidies, and at the same time limit the current disorderly competition market, turn disorder into order, and return the whole industry to rationality. " Li Xin believes that the New Deal will not produce immediate results in a short time. However, with the balance of supply and demand in the land market, the benign interaction between land prices and house prices, buyers regain market confidence, and it is expected that the real estate market in Harbin will return to normal order and develop healthily and stably next year.
Property buyers: I hope that the implementation rules will be introduced as soon as possible.
Dong Rui (pseudonym) wants to know whether civil servants can enjoy this housing subsidy policy after seeing the release of the "Article 16" New Deal. She immediately called the Harbin Housing and Construction Department for consultation.
Dong Rui (a pseudonym), 26, lives in Jixi. After graduating with a master's degree in 2020, I came to work in the provincial government. He had been renting in a youth apartment before.
202 1 At the beginning of the year, Dong Rui went to Xiangfang District of Harbin to see several properties and planned to buy a house. Because his hometown is in the countryside, Dong Rui doesn't want to bring too much burden to his parents because of buying a house. If he can enjoy this policy, Dong Rui can get a subsidy of 50,000 yuan. "If I can get the subsidy smoothly, I intend to take this opportunity to buy a house."
For Hu Feng (a pseudonym), a secondary school student who works in Harbin, the subsidy of 20,000 yuan for buying a house is equivalent to saving five months' salary without eating or drinking. Hu Feng is currently engaged in maintenance work in a well-known elevator company in Harbin. As a single-parent family, it is difficult for him to get financial support from his family, so he didn't consider buying a house until he was 30 years old. Recently, Hu Feng took a fancy to a house with a total price of more than 500,000 in a real estate in Harbin, and the down payment was also patchwork. If this subsidy is in place, it will relieve him of some pressure. After learning the news of the new policy of the property market, Hu Feng also called the sales office of the favorite real estate for consultation at the first time.
However, Dong Rui and Hu Feng did not get a clear answer about how and when they received this subsidy.
"Recently, some customers are both undergraduates and masters, and there are many foreign customers. The sales office also received a lot of calls, all of which were about the subsidy of housing talents. I want to know how the policy is implemented and how the rules are implemented. " Wang Xuan told China Real Estate News reporter. Like Dong Rui and Hu Feng, they are all waiting for the implementation details of the talent housing subsidy policy to be introduced as soon as possible.
Policy Interpretation: The New Deal aims to attract and retain talents.
After the release of the "16" New Deal, many domestic institutions and media interpreted and analyzed it, and some media interpreted it as the first shot of Harbin's "bailout". In this regard, China Real Estate News reporter interviewed the relevant person in charge of Harbin Housing and Construction Bureau, and they interpreted the New Deal from four perspectives: benefiting people, benefiting enterprises, strengthening the city and supervision.
In the eyes of policy makers, the promotion activities mentioned in the New Deal to support housing enterprises are not interpreted by some media as encouraging price reduction, but to let housing enterprises stabilize prices, find a correct position, and prohibit "malicious price reduction and disrupt the market" in the name of promotion. Regarding the supervision of pre-sale funds, the "Implementation Opinions" proposes that if there is still a balance after deducting 5% of the retained supervision funds, the original amount will be increased by 20% at each stage on the basis of returning the supervision funds at each stage. Judging from the supervision mode, supervision amount and supervision proportion of pre-sale funds, Harbin still continues its previous policy and has not adjusted it. On the whole, the supervision threshold has not been lowered in the supervision of pre-sale funds. On the premise of not relaxing supervision and effectively controlling risks, Harbin fully considers the current operating conditions of housing enterprises, evaluates the impact of the epidemic, and on the basis of maintaining the original frequency of capital withdrawal, strives to increase the amount of withdrawal, increase the cash flow of housing enterprises, and help the real estate construction under construction.
More importantly, government departments hope to solve the population outflow and attract talents from all over the country to "live and work in peace" in Harbin through policies that benefit the people, such as subsidies for talents to buy houses.
Questions and answers
China Real Estate News: What is the background of this policy? What effect do government departments hope to achieve through policies?
Harbin Housing and Construction Bureau: The real estate market in Harbin 20 16-20 19 rose, and the inventory of pre-sale houses in the city bottomed out. In 2020, the land market will increase in volume, but due to the epidemic and population outflow, the real estate market, which should have entered a stable development period, has a sudden drop in temperature. 202 1, a number of housing enterprises disrupted the market due to "unconventional" price cuts due to cash flow problems. In the first three quarters of this year, the real estate market declined, the supply of new houses exceeded demand, prices continued to fall, and the stock continued to grow. People are holding money and watching. Harbin Housing and Urban-Rural Development Bureau always pays attention to the healthy value of the market and is committed to ensuring the smooth operation of the real estate market in Harbin. In this market background environment, combined with the actual situation and coordinated by various departments, we gave the market a shot in the arm at the beginning of the fourth quarter, and implemented the Implementation Opinions on Promoting the Stable and Healthy Development of Harbin Real Estate Market from 10 to 1.
The expected effect of the policy, the introduction of the "16" policy hopes to bring positive impetus to the market. Judging from the effect of relevant policies in other cities at the same level, this policy has promoted the growth of Harbin's real estate market by 10%- 15%, achieving the effect of promoting growth in the short term and stabilizing the market in the long term, so that the freezing period of the market can be melted as soon as possible.
China Real Estate News: At present, some media interpret this policy as Harbin's encouragement of price reduction and sales promotion, which started the first shot to save the market. How do government departments view this view?
Harbin Housing and Construction Bureau: After the introduction of the policy, many institutions and media interpreted and analyzed the implementation opinions. During the analysis, some informal organizations and the media have some misunderstandings about the interpretation of the policy. Harbin Housing and Construction Bureau has communicated with the network information department and corrected it in time.
Compared with the "14" policy issued last year, this policy mainly increases the part of benefiting the people, solving the population outflow and promoting talents to settle in Harbin; In the part of benefiting enterprises, the land value-added tax rate is adjusted for the first time, brand real estate enterprises are encouraged to invest in Harbin, and the credit rating evaluation of development enterprises is added to the pre-sale fund supervision ratio policy, which not only solves the cash flow problem of real estate enterprises, but also improves the requirements for enterprise credibility; Strengthening the market mainly starts with relaxing the threshold of provident fund and special destocking of apartment products. This policy is not a promotion or price reduction interpreted by some media, but encourages real estate enterprises to increase intelligent equipment, improve the quality of the park, and increase the comfort of houses, so that ordinary people can get more benefits in buying houses.
The following is a detailed interpretation of "Article 16" from four directions:
"Huimin": This time, the amount of subsidies for talents purchasing houses in Harbin ranks first among the four core cities in Northeast China, and the talent standard has been relaxed from other cities to 35 years old within five years of graduation; What is more worth mentioning is that this policy of benefiting the people has increased the subsidy policy for foreigners to buy houses in Harbin; This has provided benefits for the introduction of talents and foreigners to buy houses in Harbin. In addition, we have also made convenient adjustments in the process setting of housing subsidies and the payment cycle of subsidies, so that ordinary people can get the most affordable subsidies in the fastest and most convenient way.
"Benefiting enterprises": adjust from three aspects: reducing land value-added tax to stimulate housing price increase, reducing capital chain pressure (which can be paid in installments within half a year) and improving cash liquidity of housing enterprises, and form a closed loop from four directions: boosting, land, sales and repayment, that is, reducing capital pressure of enterprises, improving cash liquidity of enterprises and boosting confidence in the development of housing enterprises. It is worth mentioning that the reduction of land tax increase will directly solve the cash flow problem of enterprise development, boost the firm confidence of housing enterprises in market prices, encourage brand housing enterprises to invest in Harbin, and promote the steady improvement of the overall market.
"Strong city": the policy is more targeted. For apartment products that are difficult to sell in the market, directly adjust policies to reduce the use cost of apartments and reduce the resistance of buyers to buy apartments; At the same time, the entry threshold for provident fund will be lowered, the term of provident fund loans will be extended, and the audience will be expanded by stimulating the demand for housing.
"Supervision": mainly to supervise the health of Harbin real estate market; Media supervision by public opinion; Supervision of false information on the Internet; Supervision on the promotion and price of real estate enterprises. Harbin will unify the release of real estate market data information, strictly control the output caliber, and deal with violations such as fabrication, falsehood and out of context according to the law. At the same time, the government builds platforms, mobilizes market vitality, organizes real estate activities, and optimizes product quality. Actively guide the stable development of real estate development enterprises; At the same time, the promotion and filing price approval policies complement each other. Housing enterprises should stabilize prices, find a correct position, and prohibit "malicious price reduction and disrupt the market" in the name of promotion.
China Real Estate News: At present, the market is concerned about how to implement the policies, especially the talent subsidy measures. When will the specific rules be implemented?
Harbin Housing and Construction Bureau: After the introduction of the policy, many housing enterprises in Harbin have incorporated the housing subsidy policy into the housing purchase publicity materials to enhance the enthusiasm of ordinary people for buying houses. The public is most concerned about the demand for housing subsidy materials and the handling process. At present, Harbin Housing and Construction Bureau is actively communicating with eight relevant functional departments, and will release detailed materials and handling procedures in the official language, so that ordinary people can get the most affordable subsidies in the fastest and most convenient way.
The processing flow of this round of housing subsidy is expected to be officially announced at the end of 10 in conjunction with the autumn housing exhibition. Harbin Housing and Construction Bureau will set up an answering window at the exhibition to provide on-site policy interpretation and process answers for the public.