With Nanjing, Chengdu, Hangzhou, Suzhou and other powerful new first-tier cities releasing favorable policies in succession, the top priority and regulation trend of the property market in the four first-tier cities have attracted special attention.
Guangzhou's purchase restriction policy was fine-tuned, and real estate prices rose in June. The news of loosening the purchase restriction came from the Guangzhou property market. Foreigners who buy a house in Guangzhou are allowed to pay social security or individual tax for five years, and the accumulated payment is suspended for three months.
This news was confirmed by Guangzhou hotline 12345. Previously, non-local household registration in Guangzhou required social security or tax payment certificates for 60 consecutive months, and it was not allowed to interrupt or pay back.
Paying social security is one of the important ways for many people to settle down in Guangzhou. Although it is only a small hole, it has attracted considerable attention to the first-tier cities that have never been stable and restrained in policy introduction.
"At present, the Guangzhou property market is still in the stage of' bottoming out', and the confidence in buying houses in the market is still insufficient. Activating market demand by lowering the social security threshold for foreign household registration can be seen as an optimization of the purchase restriction policy. It is not ruled out that there will be relevant optimization policies in the future to further support the market's rigid and improved housing demand. " Chen, research director of Guangzhou Branch of Central Finger Hospital, thinks.
"After the New Deal came out, some people did ask me or the store for advice, but most of them came to confirm the authenticity of the policy. They didn't start choosing a house directly. After all, it will take time for the introduction of rules and qualification certification. " Xiao Yang, a real estate agent in Guangzhou, told reporters, but what is certain is that this change will indeed activate some people's qualifications for purchasing houses.
"Post-95" Tao Fei (pseudonym) just bought the first suite in Guangzhou in April. The unit price of an 80㎡ house is about 48,500 yuan. In her opinion, the total price of more than 3 million yuan,/kloc-30% down payment of more than 0 million yuan, is the acceptable price at present and the most common one at present.
"In Guangzhou, a house of 3 million to 4 million yuan is really just needed, and about one-third of people consult in this range." Xiao Yang also said.
"I am quite satisfied with all aspects. Unfortunately, I got on the bus when the mortgage interest rate was high. My loan interest rate is 5.4%. I heard that the bank I am borrowing now can achieve about 4.6%. " Tao Fei said.
As Tao Fei said, in this month, Guangzhou continued to improve the credit environment to stimulate the property market to pick up, and the mortgage interest rate dropped step by step. Recently, it was reported that the interest rate of the first home loan was as low as 4.25%.
Xiao Yang said that the interest rate of 4.25% is available, but it is extremely rare, which requires high qualifications for buyers and real estate. "However, the loan is really much simpler recently. For example, last year, the bank checked the source of down payment very closely. This year, not only did the interest rate drop significantly, but the speed from approval to relaxation was also accelerated by the naked eye, which was basically completed within one week. "
But to Tao Fei's relief, many properties in his community have already increased in price, from 48,500 yuan to nearly 60,000 yuan. "Someone also told me that I think house prices will fall, but I just need to buy a house, and I still feel that there is no loss in general."
Expert: The regulation of the property market in first-tier cities will remain cautious.
As first-tier cities, Beijing, Shanghai and Shenzhen are different from Guangzhou.
"At present, the market in Guangzhou is very different from that in the north. Guangzhou has a large land supply, so does the commercial housing market. At the same time, the degree of market differentiation is more obvious, so the actions of the regulatory authorities will be relatively large. " Jaco, dean of the branch of Anjuke Real Estate Research Institute, said.
According to the data of Guangzhou Zhongyuan R&D Department, as of the end of May, the inventory in Guangzhou was11210.3 million square meters, and the chemical removal cycle was 1.3. 7 months. Although the whole is in a reasonable range, the market differentiation is serious. It can be seen that in Guangzhou, which is still in the period of deep adjustment, restoring confidence in home ownership and destocking are still the top priorities.
The monitoring data of the middle finger shows that the short-term inventory cleaning cycle in Shanghai and Shenzhen is about 6 months, and the inventory is obviously insufficient. Among them, the Shanghai market showed signs of stabilization before the current epidemic, which disrupted the pace of market recovery. At present, the market sentiment in Shenzhen has slightly improved.
Judging from the policy adjustment in Shanghai, in June, only the top 50 international students in the world can apply for settlement directly after working in Shanghai. In the just-concluded first round of centralized land supply in Shanghai this year, the heat of the local auction market has also picked up, and all 36 plots were sold, with a gold of 83.47 billion yuan.
On the other hand, in Shenzhen, although there is still no exclusive favorable policy for the property market, the market has quietly changed: the volume of second-hand housing in Shenzhen has risen for the third consecutive month, and the price of second-hand housing has also risen for the first time after "1 1 consecutive decline".
Ding Song, deputy director of the China Urban Economic Expert Committee, said that the "recovery" trend of the Shenzhen property market was due to the central bank's downward adjustment of the five-year LPR, which pushed the Shenzhen banking system to generally lower the mortgage interest rate. At the same time, the national super 100 cities have introduced the property market easing policy, creating a relaxed atmosphere and transmitting it to Shenzhen, which also plays a certain guiding role for buyers to enter the market.
On June 2nd, the "Implementation Plan of Beijing Municipality for Coordinating Epidemic Prevention and Control and Stabilizing Economic Growth" was promulgated to promote housing consumption by reducing rents and promoting the construction of affordable housing. What is relatively novel is that Beijing proposed to complete four batches of centralized land supply this year.
Li, chief researcher of Guangdong Housing Policy Research Center, believes that the focus of Beijing's policy support is still rigid demand, and its importance ranks before improved demand, indicating that Beijing itself is not short of demand, so it clearly supports housing leasing in housing consumption, especially the consumption of affordable rental housing.
Regarding the future policy direction of the four first-tier cities, it is generally believed in the industry that it is unlikely that Beishangguangshen and Shenzhen will relax at the policy level of restricting purchases and loans.
"First-tier cities have good overall market fundamentals, strong talent introduction capabilities, and relatively small policy adjustment expectations. It is expected that they will still focus on fine-tuning, and more will take the mitigation of the epidemic or the introduction of talents as a breakthrough to repair market confidence. " Chen Wenjing, director of market research of the Index Department of the Central Reference Institute, thinks.