As the relevant information did not appear on the official website of Xiamen, on the afternoon of May 25th, the reporter of China Times called the Xiamen hotline 12345 for verification. The relevant staff confirmed to the reporter: "The purchase restriction policy has been adjusted, and families with two children and above (including at least 1 minor) in Xiamen can buy a third house (area 180 square meters and below); Non-Xiamen residents do not need academic qualifications to buy a house outside the island, but they need to provide information such as work certificates for more than half a year. If you buy a house on the island, you need to provide a full-time undergraduate degree certificate. "
It is understood that the background of the introduction of the New Deal is that the data released by the National Bureau of Statistics in May 18 showed that the sales price index of new commercial housing in Xiamen decreased by 0.5% in April, and the second-hand housing increased by 0.2% in April. In addition, Ke Rui data show that in the first four months, the new supply of commercial housing in Xiamen was 384,300 square meters, down 60.9% year-on-year, and the transaction area was 556,400 square meters, down 56.0% year-on-year.
It is worth noting that the price of new houses in Xiamen has fallen for four consecutive months this year.
Xiamen relaxes purchase restriction
Xiamen has also entered the ranks of "loosening" the property market, mainly in supporting the improved demand and rigid housing demand of families with many children.
In view of the improvement needs of families with many children, specifically, families with two or more children registered in Xiamen can buy a third house (area 180 square meters or less) in Xiamen, and one of the two children needs to be a minor.
In view of the rigid housing demand, it is embodied in non-Xiamen households and individuals without housing. If you buy a house outside the island, you only need to provide information such as work certificates for more than half a year, but if you buy a house on the island, you also need to provide full-time undergraduate education certificates.
It is understood that Xiamen is divided into six jurisdictions. Among them, Siming District and Huli District are within the island, while jimei district, Haicang District, Tongan District and Xiang 'an District are outside the island.
In addition, according to the reporter of China Times, ordinary buyers who are not registered in Xiamen can also buy real estate in Xiamen if they have paid taxes or social security for three consecutive years in the previous four years, and there is no area limit.
"This Xiamen policy fully illustrates one idea of policy adjustment, which is to adjust for different people or groups. At present, it is a common practice to adjust the purchase policy of families with many children and talented families. Especially for families with many children, the relaxation of the purchase policy is the general trend. " Yan Yuejin, research director of the think tank center of Yiju Research Institute, said in an interview with the reporter of China Times on May 24.
It is understood that Xiamen's previous housing purchase policy was: the purchase restriction policy was implemented both inside and outside the island, and the non-registered population was restricted to a set of commercial housing with a building area of 180 square meters or less, and it was necessary to provide proof of continuous payment of social security or tax payment for three years, while the registered population could only purchase two sets of commercial housing with a building area of 180 square meters or less at most.
It is worth mentioning that no matter the previous or current policy, the number of houses with an area of 1.80 square meters in Xiamen is unlimited, and the household registration is not limited. In Yan Yuejin's view, in Xiamen's purchase restriction policy in recent years, the identification of apartment type is set to 180 square meters or less, which is also inspiring to other cities in the country.
"From the perspective of improved housing demand, it may not be appropriate to delimit 144 square meters in some cities. Xiamen's practice can indeed be used for reference. Similar to the purchase of a house by a three-child family, in addition to increasing the number of houses, the apartment type can also be appropriately relaxed or adjusted to ordinary houses. A similar approach can further reduce the cost of buying a house for a three-child family. " Yan Yuejin said.
The price of new houses has fallen for four consecutive months.
Behind the relaxation of the purchase restriction policy is the unsatisfactory transaction situation.
According to the data released by the National Bureau of Statistics in May 18, the sales price index of new houses in Xiamen decreased by 0.5% month-on-month and increased by 1% year-on-year. In terms of the second-hand residential sales price index, Xiamen rose by 0.2% month-on-month in April, which was flat year-on-year.
It is worth noting that the price of new houses in Xiamen has fallen for four consecutive months this year. The turnover of the new housing market is also showing a trend of cooling.
According to Ke Rui data monitoring, in the first four months of 2022, the supply of commercial housing in Xiamen increased by 384,300 square meters, down by 60.9% year-on-year, and the transaction area was 556,400 square meters, down by 56.0% year-on-year.
"The supply and demand of Xiamen's residential market are both lower. Compared with the same period of last year, the supply is not even as good as the first year of the outbreak in 2020. In addition, the transaction scale in June 5438+0-April was lower than the regular cycle in Xiamen. " Kerry analyzed.
In addition, Ke Rui also pointed out that since the third quarter of 20021,the transaction volume of residential buildings has shown a negative growth trend for three consecutive quarters. In the first quarter, the traditional Golden Week has turned into an off-season due to the influence of returning home around the Spring Festival and repeated epidemics. Although three sets entered the market in March and the supply increased, it did not push up significantly in April.
Second-hand housing, Ke Rui data show that from June 5438 to April this year, 7404 sets of second-hand housing were sold, with a transaction area of 797,600 ㎡. The transaction volume of the second-hand housing market grew slowly, while the traditional school district housing purchase peak season from March to May in the past showed obvious weakening market under the influence of the epidemic.
The introduction of the new policy may bring the Xiamen property market back to normal.
A real estate agent in Xiamen told the reporter of China Times on May 25, "Now the new policy has prompted the transaction volume of second-hand houses to go up, more and more day by day."
It is worth mentioning that after relaxing the purchase restriction policy, Xiamen ushered in the second centralized land supply in the year on May 26th. The 10 plot sold this time has a total construction area of 840,000 square meters and a total starting price of 203 1 100 million. The highest starting floor price is 40,400 yuan/flat, and the lowest starting floor price is10.2 million yuan/flat. According to the reporter's understanding, there are already super 15 housing enterprises interested in taking land.
The first home loan interest rate dropped to 4.55%
The reporter of China Times learned from Xiamen Real Estate Association on May 25th that the lower limit of commercial personal housing loan interest rate for the first suite in Xiamen was adjusted to be no less than the quoted loan market interest rate plus 10 basis point. According to the LPR released on May 20th for more than five years, the interest rate of the first home loan in Xiamen dropped from 4.9% last month to 4.55% at present.
In terms of provident fund policy, employees who buy new commercial housing in Xiamen can withdraw housing provident fund to pay down payment, and the "prepayment system" for direct payment of provident fund is being optimized from the original "prepayment" and reimbursement methods.
In addition, Xiamen has made further adjustments in land transfer, pre-sale support for commercial housing and supervision funds.
Among them, in terms of land transfer, the longest payment time of land transfer fee for commercial and residential land has been extended from 9 months to 1 year, which has appropriately reduced the pressure on enterprise funds payment.
In terms of pre-sale support, on the basis that the investment in the development and construction of commercial housing projects reaches more than 25% of the total investment in the project construction, the image progress requirements of pre-sale permit projects can be appropriately reduced, thus supporting enterprises to speed up construction and sales.
In terms of supervision funds, Xiamen Housing and Construction Bureau issued a notice on April 28 to further optimize the supervision method of pre-sale funds, allowing real estate development enterprises to use commercial banks to guarantee the replacement of half of the pre-sale supervision funds that should be retained, and supporting enterprises to use pre-sale funds flexibly.