This means that buyers with Foshan local household registration or foreign household registration can continue to buy houses if the property has been in their own name for 5 years and does not occupy the number of houses. Xiao, chief analyst of Kerui Guangfo Region, said that this new policy is a shot in the arm for the depressed Foshan property market, which not only helps to release the local demand for house purchase, but also opens a hole for foreign buyers to buy houses in Foshan, which is undoubtedly helpful for improving the current transaction activity of the second-hand housing market. However, even with the help of policies, the recovery of Foshan market may be difficult to achieve overnight. Recently, the news that Foshan has relaxed the purchase restriction has caused heated discussion. The news stipulates that commercial housing with five years is not included in the number of housing units owned by households.
Second-hand houses that have been used for more than 5 years do not account for the purchase quota.
Foshan property market regulation is in the forefront of similar cities. After some commercial banks began to reduce down payment and mortgage interest rates at the end of February, Foshan adjusted its real estate policy from the administrative control level. The above-mentioned "Notice" proposes to implement the following policies for commercial housing with the latest deed tax payment time or real estate registration time of 5 years: when households apply for the qualification verification of house purchase online, the commercial housing is not included in the number of housing units owned by households; There is no need to check the qualification of purchasing the commodity house when handling the transfer procedures such as online signing, gift and judicial auction of the sales contract.
Regarding the confirmation time, the Notice clearly states that the time when the seller initiates the online contract business shall prevail when the stock house is traded; If real estate is donated between non-lineal relatives, the time of applying to the real estate registration department for real estate transfer registration business shall prevail; For judicial auction, the time when the buyer obtains the transaction confirmation shall prevail.
For the new policy of Foshan property market, Kerui Guangfo explained that it can be understood that citizens who do not have the qualification to buy a house in Foshan can choose to buy a second-hand house for five years; Or if you have owned 1 suite in Foshan for 5 years and have the opportunity to buy it again, it will be treated as no room under the name; Those who enjoy the Foshan household registration policy have 2 suites under their names. If you have 1 set /2 sets for more than 5 years, you still have the opportunity to continue buying houses in the restricted area.
However, Kerui Guangfo also pointed out that although the second-hand houses over five years are not included in the number of properties under the family name, it is equivalent to releasing such houses. But assuming that there is already a suite, if you buy it again, the bank loan policy will still be implemented according to the second suite.
It is understood that Foshan began to implement the purchase restriction policy from June 20 16 to June 20 10. Since then, the restricted areas are all Chancheng District, Guicheng Street, dali town and Feishui in Nanhai District, Daliang Street, Chencun Town, Beijiao Town and Lecong Town in Shunde District.
Foshan's purchase restriction policy is that if a household registered in this city owns two or more houses in this city, it will suspend the sale of commercial housing in the restricted purchase area; Non-local registered households who have no housing in this city can purchase 1 set of commercial housing in the restricted area, but they need to provide the personal income tax payment certificate or social insurance payment certificate that they have paid more than 1 year in this city within two years before the date of purchase, and the paid personal income tax or social insurance payment certificate will not be recognized; Families who are not registered in this city own 1 set or more houses in this city, and the sale of commercial housing in restricted areas is suspended.
Foshan's new policy means that the threshold for buying houses is lowered and the purchase restriction policy is relaxed. Buyers with local or foreign household registration in Foshan can continue to buy houses as long as the property has been in their own name for five years.
Whether it can help the property market out of the downturn remains to be seen.
As a hot city in the property market, Greater Bay Area, Foshan has undoubtedly released an important signal. Chen, research director of Guangzhou Branch of the Central Finger Hospital, said that since the end of last year, Foshan's property market transactions have fallen into a downturn, and the market also needs direct favorable policies to drive the property market transactions. Judging from the contents of the New Deal released by Foshan this time, although it is only for the second-hand housing to be liberalized for five years, it not only benefits the second-hand housing market, but also liberalizes the purchase quota of new houses, so that owners who originally had no quota but wanted to buy new houses can continue to buy. To a certain extent, it will also drive the transaction of the property market in the restricted area.
It is worth noting that behind the adjustment of the purchase restriction policy is the continuous downward trend of the Foshan property market. According to Ke Rui data, in the first quarter of 2022, 9243 sets of first-hand houses were sold in Foshan, down 52.78% year-on-year and 50.05438+0% month-on-month. Online signing transactions were 16828 sets, down 4 1.09% year-on-year and 26.92% quarter-on-quarter. From April/KLOC-0 to April 24, Foshan provided a first-hand house 1 541set, a year-on-year decrease of 85.2%; 2573 sets of first-hand residential online signing transactions, a year-on-year decrease of 66.7%, and the market is still sluggish.
As for second-hand houses, according to statistics from Ke Rui, the number of units sold in Foshan has also dropped from the usual 5,000-6,000 units per month to the current 2,000-3,000 units, almost halved.
Judging from the actual impact of this new policy, it will definitely release some rigidity and improve demand. However, Xiao also pointed out that at present, the property market in many cities across the country is facing the double test of weak demand and lack of confidence, and it is necessary to objectively look at the extent to which the New Deal can mobilize the demand for housing. Compared with the uneven cold and hot market in Greater Bay Area in the past, the markets in almost all cities in Greater Bay Area are running at a relatively low level. Therefore, although Foshan is the first city to break the purchase restriction policy with great efforts, it is difficult to form a "depression effect" as before.
"You know, including Guangzhou customers who used to go to Foshan to sweep goods, most of the extra demand is based on a good expectation for the local market, not just giving' room tickets'." Novel:
Beijing News reporter Duan Jian
Editor Yang proofreads Yang.