First, two-way supervision
Source of hot words: the two sessions were held. In the face of a reporter's question about housing prices, Miracle, member of the Chinese People's Political Consultative Conference and vice minister of housing and urban-rural development, revealed the policy signal of "two-way regulation" of the real estate market. For a time, "two-way supervision" became a "four-word puzzle", which triggered a heated discussion in the industry.
Interpretation of the New Deal: People from all walks of life have given a variety of interpretations of the specific idea of "two-way regulation", but it is roughly nothing more than three aspects: First, the regulation policy of the property market will show the characteristics of "differentiation", the speculative demand for investment in hot cities will continue to be suppressed, and the regulation of non-hot cities will be relatively relaxed; Second, continue to emphasize the work of affordable housing, strengthen the market position of * * * property houses in the field of affordable housing, and solve the worries of urbanization through the "dual track system"; Third, before the long-term regulation mechanism has been introduced, administrative means, economic means and market means, which are mainly based on purchase restriction, will still coexist, but the former will weaken day by day, and the latter two means will gradually become prominent.
Looking at the property market regulation policy, "two-way regulation" has really played an outline role. Under the guidance of this basic concept, China property market has gradually entered the "new normal".
Second, new urbanization.
Source of hot words: National New Urbanization Plan (20 14-2020) issued by the State Council. The plan puts forward that China will promote people-centered urbanization in the future, and puts forward specific goals such as the urbanization rate of permanent residents will reach about 60% by 2020, the urbanization pattern will be more optimized, and the urban development model will be scientific and reasonable.
Interpretation of the New Deal: Qin Hong, director of the Policy Research Center of the Ministry of Housing and Urban-Rural Development, once analyzed that the National New Urbanization Plan (20 14-2020) may bring three new changes to the real estate industry: First, the real estate market will be divided, from the overall rise in the past to the rise in some places in the future, some places are balanced, and some places may be depressed or even negative for a period of time; Second, the growth rate of the new housing market has declined, and the demand for the second-hand housing market has increased; Third, non-traditional real estate such as business office, industrial real estate, tourism and leisure, vacation, health care and pension will face new development opportunities. In view of this, she boldly predicted that the new plan will bring 60% new housing demand.
It should be said that director Qin's analysis is very reasonable, but whether the forecast can be realized still needs to be put in a question mark. Because it is a question whether the agricultural transfer population can afford housing in cities, it remains to be seen which cities the agricultural transfer population can bring housing demand to. However, the new urbanization is a huge positive for the real estate market, which is certain.
Third, the refinancing of housing enterprises is unfrozen.
Source of hot words: Greenland Group, Yin Zhong, Tianbao Infrastructure and other housing enterprises' stock refinancing applications were approved, and the refinancing of housing enterprises frozen for four years was unfrozen.
Interpretation of the New Deal: The breakthrough of the refinancing bottleneck of housing enterprises will directly optimize the asset-liability structure of enterprises, reduce the overall financing cost and enhance the profitability of housing enterprises. However, many people in the real estate industry bluntly said that on the whole, the trial of policies such as preferred stock and refinancing mainly focused on high-quality enterprises, and most small and medium-sized real estates were still difficult to realize soon. In the long run, the refinancing of housing enterprises will still be a structural opening, which means that the industry differentiation will be further increased.
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Fourth, real estate registration.
Source of hot words: the Ministry of Land and Resources formally established the Real Estate Registration Bureau, and the real estate registration work was integrated. Since then, all the work has progressed rapidly. The research and design of real estate registration information platform was officially launched; The State Council Legislative Affairs Office promulgated the Provisional Regulations on the Registration of Real Estate (Draft for Comment) ... People's Republic of China (PRC) and Premier Li Keqiang signed People's Republic of China (PRC) Decree No.656 on February 2, 2065, promulgating the Provisional Regulations on the Registration of Real Estate. At present, the unified registration of real estate in all provinces has been carried out intensively.
Interpretation of the New Deal: The promotion of the real estate registration system is equivalent to giving an account to real estate, which is conducive to clearly grasping the current stock and potential supply of real estate. However, the real estate registration system is not directly aimed at the regulation of the real estate market, and it cannot be simply understood as housing registration. The new real estate registration system is only the integration of information systems, and does not involve the overall supply and demand relationship of the real estate market. Even if the registration will cause several houses to be thrown away, it will not shake the current market fundamentals.
Verb (abbreviation for verb) Other related policies
Personal income tax of 20% is levied on the value-added income after the transfer of luxury houses.
If the owner can't find the original purchase invoice when transferring the house with a per capita construction area of more than 80 square meters, according to the latest real estate policy, the tax authorities entrust a real estate appraisal agency with national first-class qualification (establishing a name database for random selection), refer to similar houses with market transaction records in the same lot, or consult the local housing information system to evaluate the original purchase price of the property as the tax basis. The appraisal fee is charged from the low price, but the appraisal fee is borne by the seller. Penalty for losing the original purchase invoice.
The local government announces the market guidance price of classified houses every year (that is, the present value of real estate). If the transaction price is significantly lower than the market guidance price, the market guidance price will be used as the tax basis for the property tax (similar to the current guidance price for the transfer of second-hand houses in Beijing, Shenzhen, Chengdu and other cities). Individual rental housing, pay personal income tax at 20% of rental income; According to the latest real estate policy, operating real estate (shops, office buildings, hotels, etc. Individuals, enterprises and institutions levy property tax at 12% of rental income, unless otherwise stipulated by the tax authorities.
Cancel the current regulation of levying 5.5% business tax on individual residential transfer. The property owner (owner) must hold all the above-mentioned tax payment certificates before the property ownership management department can handle the property transfer formalities for him. The real estate tax income of towns and the personal income tax income from personal transfer of residential value-added income are dominated by local governments and earmarked for the construction of affordable housing; If the balance needs to be used for other social security expenditures, it must be approved by the provincial people's government and reported to the central competent department for the record.
The above introduces you to several latest policies on real estate, including real estate registration, new urbanization and other terms you have heard more than once in daily news reports, but there are also some unfamiliar words such as refinancing and thawing of housing enterprises. Through the detailed and systematic introduction of Bian Xiao, I believe everyone has a more comprehensive understanding of the latest real estate policy. Through the analysis of the above related text information, I hope everyone can grasp the housing market dynamics and avoid unnecessary property losses.
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