The purpose of holding group buying commercial housing activities is to give full play to the advantages of the new real estate policy, better implement decision-making and deployment, prevent and defuse risks, safeguard people's livelihood, maintain social stability, restore market vitality faster, boost market confidence, help enterprises expand sales, and facilitate people to live and buy their own homes.
According to Dahe Finance Cube, at the opening ceremony, Zhao, Party Secretary and Director of Zhengzhou Housing Security and Real Estate Administration, introduced the relevant policies of the government to support the stable and healthy development of the real estate market:
First, moderately adjust the housing purchase restriction policy to further meet the reasonable housing needs of residents and promote the virtuous circle and healthy development of Zhengzhou's real estate industry.
The second is to support the sale of group buying commercial housing. Support emerging industrial units, scientific research institutions, industrial parks, universities, enterprises and institutions to centrally purchase commercial housing to solve the housing problem of employees. Group purchase must be an existing house or a quasi-existing house with complete "five certificates" (completed and delivered within one year), and there are different degrees of concessions in terms of down payment ratio, deed tax subsidies, provident fund loans, etc., and real estate development enterprises are encouraged to give more concessions.
The third is to ensure that new citizens and residents in the metropolitan area are treated equally when buying a house. College students, new citizens who come to Zhengzhou for employment, and residents of other cities in Zhengzhou metropolitan area "1 8" buy houses in Zhengzhou, and enjoy the same treatment as the original residents in terms of qualification examination, credit policy, deed tax subsidies, and preferential housing prices.
The fourth is to expand the effective demand for housing. Support government platform companies to buy back the existing commercial housing of enterprises that are difficult to develop, and use it as rental housing, affordable rental housing, talent apartments and mass resettlement houses.
The fifth is to rent and purchase at the same time. By transforming and revitalizing the stock, the stock house will be transformed into a rental house, and at the same time, the depositor of the housing provident fund will be supported to withdraw the rental housing provident fund, which will promote the "equal right to rent and purchase".
The sixth is to implement preferential tax policies for house purchase. For those who meet the requirements, the deed tax and personal income tax preferential policies for individual housing purchase shall be implemented in accordance with the regulations. From June 10, 2022 to February 3, 2023, those who buy their own houses again within 1 year after selling their own houses will be given preferential tax refund for the personal income tax paid for selling their existing houses.
The seventh is to carry out housing subsidies. Development zones, districts and counties (cities) may, according to the actual situation, grant housing subsidies to residents who purchase houses within a certain period of time.
The eighth is to optimize the financial services for new citizens to buy houses. Support banking financial institutions to implement differentiated housing credit policies, reasonably determine the minimum down payment ratio and minimum loan interest rate for new citizens' commercial personal housing loans, encourage the reduction of housing loan interest rates and increase loans.
Nine is to reduce the credit burden of house purchase. Encourage Zhengzhou banking financial institutions to implement the lower limit policy of loan interest rate for Zhengzhou residents to purchase houses, improve the efficiency of personal mortgage loans, and support rigid and improved housing demand. Residents who are unemployed due to the epidemic and whose income has been seriously reduced will be postponed for more than half a year.
The tenth is to implement the policy of "recognizing loans but not recognizing houses". Banking financial institutions will implement the first home loan policy for families who have settled the corresponding housing loans and applied for loans to buy commercial housing again in order to improve their living conditions. If a set of housing loans has not been settled, and you apply for a loan to buy commercial housing again, the second home loan policy will be implemented.
The eleventh is to optimize the criteria for the identification of second-home loans. Families with two or more minor children, elderly people who take refuge in old-age families and buy new houses will implement the second-home loan policy. Families who work or live in Zheng buy houses in Zheng for the first time, and are not affected by existing housing loans in different places, and implement the first home loan policy. If parents buy a house for the first time in Zheng, the first home loan policy will be implemented.
The twelfth is to increase the support of housing provident fund. Increase the maximum amount of provident fund loans, optimize loan conditions and improve service efficiency. Support the combination of provident fund loans and commercial bank loans. Implement the "1 8" mutual recognition business in Zhengzhou metropolitan area, and realize mutual recognition and mutual loan of provident fund loans in the metropolitan area.
According to the data of the Central Reference Institute, in 2022+0-1June, the sales area of commercial housing in Zhengzhou was 4.2 million square meters, down 52% year-on-year. Since the second half of the year, the phenomenon of falling market volume and price has become more obvious. The transaction scale of commercial housing declined for five consecutive months, and the sales area of commercial housing was 1 1. According to the 100-city price index of China's real estate index system, in June, 5438+065438+ 10, the price of newly-built houses in Zhengzhou fell for five consecutive months, and the price of second-hand houses fell for seven consecutive months, and the downward trend of prices did not change.
Chen Wenjing, director of market research in the Index Division of the Central Reference Institute, believes that the group purchase will be superimposed with relevant policy support, which will help boost consumer confidence, promote the transaction of those who are willing to buy houses, boost the enthusiasm of buyers to enter the market in the short term, and the transaction volume of new houses is expected to improve. In the medium and long term, the catalytic effect of group buying on low-willingness buyers is not obvious, and the sustainability of the follow-up market still depends on the support of policies and the improvement of residents' income level.