Some experts said that the content of the "14 th Five-Year Plan" proposal "Policy for the City" affirmed the practice of differentiated regulation. It is expected that all localities will still introduce regulatory policies according to the actual situation, and "stability" is still the main tone of the real estate market.
Supervision is effective.
165438+1On October 4th, Lishui City Construction Bureau issued the Notice on Further Promoting the Healthy Development of the Newly-built Commercial Housing Market in Lishui City, proposing that the principle that the pre-sale record price should be continuously increased should be strictly implemented in the pre-sale of commercial housing by stages.
At the same time, the notice requires that the pre-sale management be strengthened in stages, and the pre-sale construction area of commercial housing (including the first opening and continued pushing) should not be less than 50,000 square meters. With a total construction area of 50,000 square meters or less, a one-time application for pre-sale is required; If the total construction area or remaining area is more than 50,000 square meters but less than 6.5438+10,000 square meters, you can apply for pre-sale in two times, and each pre-sale construction area can be less than 50,000 square meters, but not less than 20,000 square meters.
Taizhou 1 1.3 issued the notice on promoting the stable and healthy development of the real estate market, and newly purchased houses (including newly-built commercial houses and second-hand houses) in Taizhou city from the date of putting forward the notice can only be transferred after obtaining the certificate of immovable property rights for three years. If the pre-sale permit has been obtained, the filing price of all the houses to be sold and the source of each suite shall be disclosed at one time within 10, and the sales price shall not be higher than the filing price. The average record price of commodity housing in each phase of the new opening project should be basically the same.
In the land market, the Notice proposes to establish a linkage mechanism between housing prices and land prices, implement a record system for the pre-sale price of commercial housing, and implement a land transfer method of "limiting land prices and competing for self-sustaining (or building)" to control premium rates and floor land prices.
Yan Yuejin, research director of the think tank center of Yiju Research Institute, said that as a prefecture-level city, Taizhou's three-year sales policy is "lethal", and the introduction of a series of policies will help the market cool down and achieve the goal of "stabilizing expectations".
Judging from the data released by various institutions a few days ago, the regulatory policies have an obvious effect on the "overheated" market, and the housing prices in many cities previously regulated have declined.
Take Yinchuan as an example. Statistics from the National Bureau of Statistics show that the price of new commercial housing in Yinchuan increased by 16.8% year-on-year and 1.0% quarter-on-quarter, ranking first in the same month. House prices in Yinchuan have been rising for several months. On September 30th, Yinchuan issued the Notice on Promoting the Stable and Healthy Development of the Real Estate Market, requiring non-Ningxia registered households to purchase commercial housing 1 set in Yinchuan. The buyers who have newly obtained the pre-sale permit in the three districts under the jurisdiction of Yinchuan City can only be transferred after 2 years from the date of signing the commercial housing sales contract. In terms of down payment ratio, the down payment ratio of the first suite is not less than 20%; The down payment ratio of the second suite is not less than 40%; Commercial personal housing loans will be suspended for families who buy more than two sets of houses.
According to the latest monitoring data of Zhuge Housing Search Data Research Center, the average price of second-hand residential market in 100 key cities increased by 0.07% month-on-month and 1.85% year-on-year. With the increase in the average price of second-hand houses in 100 key cities, the average price of second-hand houses in Yinchuan ranked first in the decline list with a 5.0 1% month-on-month decline. According to the statistics of Anjuke, the average price of second-hand houses in Yinchuan in June 5438+065438+ 10 dropped significantly compared with that in June 5438+00, but it still maintained a substantial growth year-on-year.
A few days ago, the "Fourteenth Five-Year Plan" proposed that houses should be used for living, not for speculation, and both rent and purchase should be implemented to promote the stable and healthy development of the real estate market. Wang Xiaoyu, an analyst at Zhuge Housing Search Data Research Center, said that the content of the "14 th Five-Year Plan" proposal "Policy for the City" affirmed the practice of differentiated regulation. It is expected that all localities will still introduce regulatory policies according to the actual situation, and "stability" is still the main tone of the real estate market.
Mortgage began to tighten.
At the same time of frequent regulatory policies, mortgage interest rates began to tighten.
According to the data recently released by the People's Bank of China, the balance of RMB real estate loans at the end of the third quarter was 48.83 trillion yuan, up by 12.8% year-on-year, down by 0.3 percentage point from the end of the second quarter, falling for 26 consecutive months; In the first three quarters, the balance of real estate loans increased by 4.42 trillion yuan, accounting for 27.2% of all loans in the same period, 6.8 percentage points lower than the annual level in 20 19.
Since the second half of the year, many cities have successively adjusted their loan policies. For example, if Changchun proposes to purchase new commercial housing in Changchun City and counties (cities) and districts under its jurisdiction, and applies for housing provident fund personal housing loans for the first time, the down payment ratio shall not be less than 30% of the total purchase price.
Dongguan recently proposed that the maximum loan amount for the first suite be adjusted from 1.2 million yuan to 900,000 yuan, from10+09; The maximum loan amount for the second suite is adjusted from 800,000 yuan to 500,000 yuan; Buying a second-hand house outside the city requires holding a property certificate for 6 months before applying for withdrawal.
According to the report released by Rong 360, the national first home loan interest rate was the same as that in September in June 5438+ 10. On September 20th-65438+1October 18, the monitored average interest rates of 674 bank branches in 4 1 city were 5.24% and 5.55% respectively, which was the same as last month. Specifically, the interest rates of 13 cities rose month-on-month, accounting for 31.7% of all monitored cities; 14 urban interest rate decreased month-on-month, while 14 urban interest rate remained unchanged. It is worth mentioning that this is the first time that the mortgage interest rate has been flat after nine consecutive months of decline.
At the same time, in order to prevent illegal funds from flowing into the property market, banks in some areas have tightened "housing loans". Recently, Ningbo Shang Tong Bank was fined 3.6 million yuan for personal loans illegally flowing into the housing market and futures market.