China Times reporter Miao Li reports from Beijing.
On March 1 day, the General Office of Zhengzhou Municipal People's Government issued the Notice of the General Office of Zhengzhou Municipal People's Government on Promoting the Healthy Development of Real Estate Industry (hereinafter referred to as the Notice), and put forward the measures of 19 to "stabilize land prices, house prices and expectations". It has become the city with the greatest rescue efforts since 2022.
The "Notice" is relaxed in many aspects, such as reasonable housing demand, improving housing market supply and credit financing support. And clearly cancel the "recognition of housing and recognition of loans" for improved housing demand groups. (recognize the house and recognize the loan: I have had a mortgage or bought a house before, and I have bought a house again or even two sets. )
Liang, general manager of Zhengzhou Branch of CIIC Research Institute, said in an interview with China Times that this move will greatly boost the sales side, promote the transaction of Zhengzhou property market and repair market expectations. For the land owners and enterprises, it is conducive to alleviating the operating pressure of housing enterprises, improving the enthusiasm for land acquisition and promoting the benign development of Zhengzhou real estate market.
Great efforts have been made to save the market.
In addition to the regular purchase of houses by talents and migrant workers, the reasonable housing demand mentioned in this notice also includes ensuring that college students live in Zheng 'an and meet the needs of home-based care for the elderly.
The contents of ensuring college students to live in Zheng include: eligible doctoral students, master students, undergraduate graduates (technical college preparatory technicians and technicians) and junior college graduates (technical college senior workers) who are employed in Zheng can buy * * * property houses, and those who buy commercial houses are given housing subsidies according to the policy. For those who meet the requirements to provide affordable rental housing before buying a house for college students with entrepreneurial employment in Zheng, a certain area subsidy can be given to those who rent market-oriented rental housing, and the preferential period is 3 years.
It is reported that Zhengzhou is one of the few second-tier cities that provide housing subsidies for college graduates (senior workers in technical colleges).
According to the needs of home-based care for the elderly, if children and close relatives work and live in Zheng, encourage the elderly to come to Zheng for the elderly; Allow them to rely on their families and buy new houses.
Liang explained to the reporter of China Times that Zhengzhou, as a restricted city, restricted areas include eight districts in the city, port area, xinzheng city, Xingyang and zhongmou county. Households registered in this city can buy two houses, singles can buy one, and other cities can buy one. This means, "this regulation actually lowers the threshold of Zhengzhou's purchase restriction. Taking the family as a unit, foreign city hukou can buy two sets when it comes to Zhengzhou for the elderly, and this city hukou can buy three sets when it comes to Zhengzhou for the elderly. " Liang keeps saying.
It is worth noting that for improved housing groups, the notice is more clear. For families who own a house and have settled the corresponding housing loans, in order to improve their living conditions, they apply for loans to buy ordinary commercial housing again, and banking financial institutions implement the first home loan policy.
Liang told the reporter of China Times that on the consumer side, the mainstream mortgage interest rate in Zhengzhou is 5.88%, which is generally higher than that in coastal and some first-and second-tier mainstream cities, and the cost of buying a house is high. Reducing the mortgage interest rate has a positive effect on further promoting the demand of buyers; In the past, Zhengzhou implemented the identification standard of the first suite for subscription and loan recognition. This adjustment can also implement the first home loan policy after paying off the loan, which can greatly save the cost of buying a house.
In addition, the notice also stated that the real estate market environment will be optimized from the aspects of standardizing the real estate market order, strengthening the management of commodity housing sales price, improving the level of government services and facilitating transactions, and strengthening the guidance and control of online public opinion, and it is clear that organs, institutions and state-owned enterprises are not allowed to organize new group buying housing and targeted housing development in Zhengzhou.
The desulfurization period is 2 1.9 months.
The first to cancel the house and loan, why did Zhengzhou issue such a heavy notice on the occasion of "Xiaoyangchun"? In this regard, industry experts believe that it is related to the sluggish market transactions in the second half of 20021and the greater pressure on local housing enterprises.
Wang Xiaoyu, head of Zhuge Housing Search Data Research Center, told China Times and other media that according to the monitoring data of Zhuge Housing Search Data Research Center, in June 2022, 6,686 sets of new houses were sold in Zhengzhou, down 30.7% from February. The turnover of second-hand houses was 356 1 set, down 29% from the previous month and down 18. 1% from the same period last year. "This policy is necessary for Zhengzhou." Wang Xiaoqing preached.
After integrating the data of many research institutions, the reporter of China Times also found that the sluggish traditional peak season also extended the cycle of commercial housing in Zhengzhou. According to the relevant data of the 100-city housing price report of the think tank center of Yiju Research Institute, as of June 5438+ 10, the inventory area of new commercial housing in Zhengzhou was14.88 million m? The chemical cycle is 2 1.9 months.
According to the monthly report of 65438+ 10 in 2022 released by yiju kerui Henan region, the supply of commercial housing in the main city in 65438+ 10 was 375,600 m? , turnover of 363,200 m? , the stock is 12258700 m? The decontamination period is 22.3 months, and the decontamination period is prolonged; The supply of commercial housing in the environmental administrative region is 4 1.78 million m? , the transaction volume is 3 1.95 million m? , the stock is1697.6438+0.7 million m? The decontamination cycle reached 45.7 months.
It is reported that due to a series of influences from the market, many local real estate enterprises in Zhengzhou are also facing great pressure. In the spring of 2022, news such as "layoffs, holidays and salary cuts" came out.
According to the contents of the notice, Pan Hao, a senior analyst of RealData, believes that the real estate market and enterprises have also been under great pressure under the dual influence of the Zhengzhou epidemic and floods last year. The promulgation of Article 19 is conducive to comprehensively stabilizing the market, promoting reasonable demand to enter the market, and ensuring the stability of corporate cash flow. Among them, the definition of reasonable housing demand and support methods are clearly expounded, which has strong operability.
Confidence in "Xiaoyangchun" has been further enhanced.
In fact, there have been frequent news of lower down payment, shorter loan cycle and lower mortgage interest rate recently. As the first city to issue a document to cancel the "housing loan", experts also agree that the first shot of "saving the city" launched by Zhengzhou will also boost the confidence of other cities in the real estate market.
Wang Xiaotong said that although there have been news of lowering down payment and mortgage interest rates in several cities recently, there has been no official announcement. Zhengzhou, as the first city in China to officially relax the policy of issuing documents, is of positive significance to the industry, and subsequent cities are likely to follow suit. It coincides with the arrival of Xiaoyangchun, and this policy in Zhengzhou has further boosted the confidence of buying houses in the national market.
Pan Hao also said that Zhengzhou is the core city of the Central Plains urban agglomeration, and the Nineteen Articles of Zheng Can can also be used for reference by other cities. Since the beginning of the year, the intensive release of property market policies in various cities is changing from low-level cities to high-level cities, and the whole national real estate market is also in the process of bottoming out. It is expected that the property market "Xiaoyangchun" will have the conditions to appear in many places.
In addition, the reporter of China Times also learned that Zhengzhou has also implemented a new policy of second-hand housing differential tax in Zhengdong New District, Economic Development Zone and Airport Zone respectively, that is, individuals can choose to levy personal income tax at 1% of the nuclear tax price or 20% of the difference. That is to say, if the house purchased at a price of 6.5438+0.5 million yuan is to be sold at a price of 6.5438+0.5 million yuan, the differential tax of 6.5438+0.5 million yuan must be paid before, and the tax can be paid at 6.5438+0.5 million yuan after the implementation of this policy.
It should be noted that whether you can "not be selected" needs to meet certain conditions. If you can't provide a complete proof of the original value of the house and related reasonable expenses, you can pay taxes according to 1%, and if you can provide it, you need to pay 20%. As for whether the original value of the bill can be provided, the owner will choose and make a commitment, first choose the tax rate and then go through the formalities.
In this regard, Ding Zan, president of Zhengzhou RealData, believes that letting the owners choose and make a commitment to choose the tax rate first and then go through the formalities, which indicates the cancellation of the 20% differential tax that has been implemented for seven years, and the recent multiple benefits such as the downward adjustment of the second-hand housing interest rate and the shortening of the loan period have made the second-hand housing market fully loose and developed rapidly. At the same time, the demand for improved home ownership in the market will be greatly stimulated, and the market heat will be transmitted to the new housing market, which will drive the recovery of the whole industry.
Original title: Zhengzhou 19 heavy rescue: cancel the house loan! 20% tax difference can "not choose" experts: boost the confidence of buying houses nationwide.