According to the latest market news, in order to promote the healthy and stable development of the real estate market, Harbin Housing and Construction Bureau, together with the Municipal Natural Planning Bureau, the Municipal Finance Bureau and other departments, jointly issued a "bailout" policy, including the maximum subsidy for buying a house100000 yuan, relaxing the age of second-hand housing provident fund loans, and helping housing enterprises to speed up project construction.
As the capital city of Heilongjiang, Harbin is called "Ice City" and "Oriental Moscow" because of its ice and snow customs, but its property market performance is far less than that of tourism. According to the data of many institutions, the overall property market in Harbin showed a trend of double decline in volume and price, and the epidemic situation was repeated, which once again cooled the Harbin market.
When the market was in a downturn, Hello took the initiative to support the bottom, which was considered by the industry to have a strong signal significance.
"At present, the contradiction in the property market in many cities across the country has changed from overheating to supercooling, and at the same time, new risks have emerged, namely the financial risks of housing enterprises. It is in line with expectations to actively introduce policies for protection, which is conducive to promoting the activity of market transactions and promoting the stable operation of housing enterprises. " Yan Yuejin, research director of the think tank center of Yiju Research Institute, said.
Maximum subsidy for buying a house100000 yuan
Recently, the Housing and Urban-Rural Development Bureau of Harbin, together with the Municipal Natural Planning Bureau, the Municipal Finance Bureau, the Municipal People's Social Security Bureau, the Harbin Municipal State Taxation Bureau and other departments, issued the "Implementation Opinions on Promoting the Stable and Healthy Development of the Real Estate Market in Harbin" (hereinafter referred to as the Opinions). The official meaning of "bailout" is extremely obvious.
Among them, the most interesting thing is the issuance of housing subsidies.
According to the Opinions, in order to attract talents to buy houses in Kazakhstan, all kinds of talents under the age of 35 who have signed employment contracts or service agreements with local employers, paid social security for six months and started their own businesses can enjoy housing subsidies when purchasing the first commercial housing in Kazakhstan.
The housing subsidy is paid in a lump sum in the form of money, including 654.38+10,000 yuan for full-time doctoral students, 50,000 yuan for full-time master students, 30,000 yuan for full-time undergraduate students and 20,000 yuan for junior college students (including technical colleges). Non-local new citizens who come to Kazakhstan for work and other reasons can also enjoy the subsidy for purchasing the first commercial house, and the payment standard is 6,543,800 yuan.
At the same time, the housing age of second-hand housing provident fund loans has also been relaxed, from 20 years to 30 years, and the sum of the loan housing age and housing age does not exceed 50 years. For female cadres at the county (department) level and female professional and technical personnel with senior titles, the age of personal loans for housing provident fund is adjusted from 55 to 60.
Allow employees who have paid provident fund in different places to apply for provident fund loans in Kazakhstan; Relax the policy of paying provident fund for flexible employees, and you can apply for paying housing provident fund when you open a social security account; Relax the portfolio loan business of housing provident fund, and employees who still cannot meet the demand by using provident fund loans can apply for portfolio loans.
"The policy starts from the housing consumption side and implements the destocking policy through multiple channels." Yan Yuejin believes that the New Deal can reduce the cost of property buyers entering the market, and at the same time provide financial, financial and tax protection, which will help encourage property buyers to actively enter the market.
Not only that, the "Opinions" also "rushed to help" housing enterprises. During the policy period, enterprises with green and blue annual credit rating can apply for the pre-sale permit of commercial housing by building for projects that have obtained the land use right before June 1 2022, if the high-rise building reaches the image of a first-floor project and the multi-storey building reaches the image of a second-floor project.
Projects that have implemented the supervision of pre-sale funds of commercial housing should be returned as soon as possible if they meet the return conditions. If there is still a balance after deducting 5% of the retained supervision funds from the recorded amount of supervision funds, on the basis of returning the supervision funds in each period, 20% of the original amount will be increased in each period, so as to reduce the liquidity pressure of enterprises.
Yan Yuejin believes that the above provisions will help housing enterprises to better carry out sales and project development, and it is a very pragmatic "bailout policy". This policy also reflects various pressures faced by real estate enterprises, including liquidity pressure, tax and various expenses pressure, and project sales pressure.
Will more cities follow suit?
202 1, the environment of the property market turned sharply, and it began to cool down due to strong regulation. It used to be a price limit, but now it is a "price limit". But few cities save the market in the official name. Previously, the Changchun Real Estate Association issued the "Notice on Stable Development of the Real Estate Market", which was also interpreted as releasing a "loose signal".
Harbin's initiative to support the property market has both the influence of the big environment and its own specific factors.
According to the research report released by the same policy, in the first half of this year, the supply and demand of Harbin property market was unbalanced, and some housing enterprises in Songbei District drastically reduced their prices, resulting in insufficient overall market confidence and falling volume and price. The turnover of the top ten projects is less than 654.38+10,000 square meters, with a year-on-year decrease of 35%. The overall price has dropped, and low-priced projects have become dominant.
"Before 20 17 ~ 20 18, driven by the new district and the investment boom, the Harbin market was too hot, which made market customers overdraw in advance." The above research report holds that after the house price rises from 20 18 to 2020, it overdraws more growth possibilities and there is no room for price increase in the short term.
In fact, not only is it difficult to make up for the increase, but there are signs of a decline in housing prices in Harbin. According to the latest data released by the National Bureau of Statistics, in August of 20021,the sales price index of new commercial housing in Harbin decreased by 0.3% month-on-month and 0.6% year-on-year. The second-hand housing sales price index decreased by 0.2% month-on-month and 0.6% year-on-year.
The property market "Golden September and Silver 10" unexpectedly "stood up" with Harbin. According to the same policy data, in the last week of September, there were 769 sets of commercial housing in the 6 th district of Harbin, and 9 15 sets were sold, with an average price of 7646 yuan/square meter. The volume and price of the property market have fallen, and the epidemic has become the coolant of the Harbin property market.
During the National Day Golden Week, a number of buildings in Harbin were fancy-marketed, and special-price houses were launched. The purchase of houses was reduced by 65,438+10,000 yuan, and they participated in preferential activities such as Tmall 1 yuan spike 1 square meter, and 60,000 decoration funds were given after the transaction. However, judging from the actual market temperature, it is still difficult to boost the sentiment of the property market, and sales offices are common.
Based on the trend of the depressed property market, the voice of Harbin saving the market appeared before. The industry believes that the official "Opinions" is an accurate measure based on market contradictions, which will inevitably activate housing demand in the fourth quarter and help prevent the risk of a decline in market transaction scale.
Yan Yuejin believes that Harbin policy also means that policy risks have changed in the near future. It is expected that other cities in the country will follow suit, especially those with high destocking pressure and high operating pressure of housing enterprises, including non-core second-tier cities and some third-and fourth-tier cities in the central and western regions. Of course, in fine-tuning the policy, we should pay attention to the caliber and market reaction, and adhere to the principle of "housing and not speculating".