Among them, Yangzhou resumed the maximum amount of housing provident fund loans, from 350,000 to 500,000; Suzhou gives deed tax subsidies to farmers who buy houses in cities and settle down; Prior to this, second-hand housing prices rose for the first time year-on-year 10 months, and Hohhot introduced the combination boxing of property market regulation.
According to the statistics of research institutions, in September, the number of national real estate regulation policies was as high as 48 times, and the total amount of real estate regulation in the first nine months was 4 15 times, setting a new historical record.
Industry insiders predict that the national property market will still be two-way regulation in the fourth quarter. Cities with stable housing prices will not rule out easing policies, but as long as the increase is obvious, the real estate regulation will definitely increase.
The maximum amount of Yangzhou provident fund loan was restored to 500,000 yuan.
10 On June 8th, Yangzhou Housing Provident Fund Management Center announced that in order to give full play to the role of housing provident fund, help urban low-income workers solve their housing difficulties and support the rigid housing demand, it was decided to restore the maximum amount of housing provident fund loans in our city from 350,000 yuan to 500,000 yuan (from June 2065,438+09 to June 2005), and the repayment ability coefficient of housing provident fund loans was changed from other.
As for the reasons for the adjustment of Yangzhou's housing provident fund policy, the announcement said that it was to support the demand for housing purchases and restore the maximum amount of housing provident fund from the previous 350,000 to 500,000.
Yan Yuejin, research director of the think tank center of Yiju Research Institute, also told the China that the loan amount of Yangzhou Provident Fund has been greatly increased, which can reduce the pressure on employees to purchase housing loans, and the starting point of policy adjustment is to solve the housing demand problem. From the reasons, it may also be related to the recent slight increase in the loan amount. Recently, the loan quotas of Guiyang, Jiaxing and other cities have also increased, which fully illustrates the orientation that the provident fund loan guarantee just needs. In some cities, such as Wuxi, the amount of provident fund loans has decreased, which is related to the regulatory tone of such cities. But in general, Yangzhou's policy has a signal significance, that is, with the gradual easing of the current financial environment, there is more room for the follow-up of provident fund loans, and buyers can enjoy better protection.
However, some insiders believe that Yangzhou's move is to stimulate the depressed property market. According to media reports, in September, the central bank lowered RRR in an all-round way again, and the overall capital environment tends to be loose, but the housing-related credit is still relatively tight, and the activity of the second-hand housing market in Yangzhou has declined. In terms of new houses, according to the statistics of Yiju Research Institute, in September, the residential transaction area in Yangzhou decreased by 8% month-on-month and 79% year-on-year. Since May this year, the residential transaction area in Yangzhou has been declining continuously, from 240,000 square meters in May to 1 10000 square meters in September.
Suzhou farmers give deed tax subsidies when they buy houses and settle down in cities.
108,65438, the official WeChat of Suzhou Municipal Commission of Housing and Urban-Rural Development issued a letter on promoting the citizenization of agricultural transfer population, and put forward four safeguard measures after the citizenization of agricultural transfer population. One is to fully liberalize urban settlement, and the other is to cancel all thresholds. The second is to implement "one-stop" service, and all businesses are handled free of charge. Third, the rural land contractual management right, collective income distribution right, homestead use right, above-ground house ownership, and the rights derived from it, such as land acquisition compensation and subsidies for benefiting farmers, will remain unchanged according to law after the household registration moves into cities and towns. Fourth, on the basis of ensuring that the "three rights" of the agricultural transfer population remain unchanged, we will ensure that the agricultural transfer population enjoys the basic public service rights such as urban compulsory education, housing security, medical and health security, entrepreneurial employment, and old-age services, and realize the "double treatment" of the agricultural transfer population in rural areas and cities.
The fourth measure is to put forward that "the agricultural transfer population buys the first set of commercial housing in the main city, handles the real estate registration certificate and settles down, and the deed tax paid is fully subsidized by the government."
In this regard, Yan Yuejin believes that Suzhou's policy of promoting the urbanization of agricultural transfer population fully reflects the current concern about the urbanization process. Various preferential measures and policies will help reduce the cost of new citizens entering the city. Among them, the content of deed tax subsidy is worthy of attention, because deed tax is the biggest tax to pay for buying a new house, and the deed tax of a house must be at least tens of thousands. Similar to the practice of financial subsidies, it obviously helps to reduce the pressure of buying houses and stimulate the demand for buying houses.
However, Yan Yuejin also pointed out that Suzhou's policy this time is not entirely a relaxation of the house purchase policy, but more of a new urbanization policy, but objectively speaking, similar stimulus helps to activate the market transaction volume of such cities, which in turn leads to the active market transaction and the realization of the destocking goal.
Hohhot's combination boxing plus code rules
Although the policies issued by Yangzhou and Suzhou are conducive to stimulating the demand for house purchase and activating market transactions, this is related to the current downturn in the property market in these two places and can only be understood as promoting the stability of the property market. Because once the property market transaction is overheated, the house price will rise too fast, and it will eventually be regulated by overweight. The recent property market regulation policy issued by Hohhot is an example.
On September 30th, the Hohhot Municipal People's Government issued the notice of "Hohhot Real Estate Market Regulation Implementation Plan". Previously, the year-on-year increase in second-hand housing prices in Hohhot has been the first in the country for 10 months!
The overall requirements of the planning are: adhere to the orientation of "housing without speculation", fully implement the control objectives of "stabilizing land prices, stabilizing housing prices and stabilizing expectations", coordinate the two-way control of supply and demand in the real estate market, make classified control, implement policies according to the city, improve real estate control measures, strengthen industry supervision and management, resolutely curb speculative real estate speculation, prevent and resolve market risks, and promote the stable and healthy development of the real estate market.
Specific measures:
First, optimize the land supply structure and fully stabilize land prices. Including adjusting the pace of land supply, timely adopting "price limit, competitive price and competitive construction" or "price limit and competitive price" to supply commercial housing land to stabilize land prices.
Second, standardize the operation of the real estate market and make every effort to stabilize housing prices. Including purchase restriction, loan restriction and price restriction policies, if applying for loans from commercial banks, the down payment ratio of the first suite shall not be less than 20%, the down payment ratio of the second suite shall not be less than 40%, and the third suite and above shall not be handled; To apply for housing provident fund loans, the second application must be made after the first provident fund loan has been paid off for 5 years, and three or more housing provident fund loan applications will not be accepted; In principle, the filing price for pre-sale of new houses shall not be higher than the average selling price of real estate with the same quality in the same location last month, and the filing price for pre-sale shall not be adjusted in principle. Projects that really need to be adjusted shall be re-applied to the housing and construction department for filing after 3 months; Implement the system of clearly marked price and one room and one price.
Third, establish a long-term and stable housing supply mechanism to fully stabilize expectations. Including the timely release of housing development plans, improving the housing security system and vigorously developing the housing rental market.
Four, strengthen industry supervision and management, standardize market operation. Including strengthening the management of commercial housing contract filing and strengthening the mortgage management of projects under construction.
In addition, there are three safeguards, including the establishment of real estate market analysis and regular consultation mechanism, the establishment of departmental joint punishment mechanism, and the establishment of a long-term mechanism for information disclosure and policy interpretation.
China reporter, a brokerage firm, learned that Hohhot introduced a combination of regulation and control to stabilize land prices, house prices and expectations. The responsible units involved in these Measures include the Municipal Housing and Construction Bureau, the Natural Resources Bureau, the Market Supervision Bureau, the Municipal Public Resources Trading Supervision and Management Bureau, the Land Purchasing and Storage Center, the Finance Office, the Statistics Bureau, the Urban Management Law Enforcement Bureau, the Municipal People's Government Office and other relevant committees, offices and bureaus, which shows their determination to regulate.
Yan Yuejin pointed out that from the recent data of the national 70-city housing price index, Hohhot has a relatively high increase and a long duration, so the introduction of the policy is in line with expectations and is conducive to the further adjustment and stability of the subsequent Hohhot market. In addition to some traditional tightening policies in other cities, such as increasing the down payment ratio of second homes and implementing the land transaction fuse mechanism, Hohhot's other regulatory tools and contents are also worth learning, such as clarifying the proportion of land transfer, setting up a price verification team, clearly implementing the "plus or minus zero" system, and canceling the mortgage before pre-sale.
Among them, the proportion of land conversion is clarified, and the business land that has obtained the right to use is allowed to be adjusted to commercial housing land, with the highest adjustment ratio of 50%. Subsequent housing enterprises can decide the conversion of commercial land according to the supply and demand of commercial housing, which is conducive to increasing inventory and alleviating the contradiction between supply and demand. The establishment of the price approval team fully explains the orientation of subsequent price control, which is helpful to truly implement the orientation of housing price stability and curb some potential rising factors. Clearly implement the "plus or minus zero" system, and require the relevant housing projects to reach the "plus or minus zero" standard before handling the pre-sale certificate of commercial housing. On the one hand, it helps to reduce the financial pressure of housing enterprises and is conducive to the start and sale of the project. On the other hand, it also helps to realize the supply of more commercial housing, thus forming more houses and stabilizing housing prices. The rule that pre-sale can only be carried out after the mortgage is released is to prevent some non-compliant houses from entering the market, which is conducive to stabilizing market order and prices.
In September, the national property market was regulated 48 times.
According to the statistics of the Central Plains Real Estate Research Center, in September, the national real estate regulation and control policies were introduced as many as 48 times, although less than 60 times in August and 56 times in July. On the whole, however, the intensity of real estate regulation and control policies in 20 19 still set a new historical record, with a total of 4 15 times in the first nine months.
Zhang Dawei, chief analyst of Zhongyuan Real Estate, believes that compared with the previous policies, the biggest feature of real estate regulation in September was the intensive introduction of financial policies. In recent months, from the CBRC to the central bank and central ministries and commissions, the tightening policies for real estate finance have been continuously released, and various financing channels from real estate mortgage to developers have been tightened to varying degrees. At the same time, the real estate provident fund policy has been intensively introduced. Chengdu, Wuxi, Wuhan, Hainan, Guiyang and other cities have introduced provident fund policies, which have been relaxed and tightened. On the whole, most cities are "one city, one policy" for their own property market development.
Zhang Dawei predicted that in the fourth quarter of 2065438+2009, the national property market will still be two-way regulation, and cities with stable housing prices will not rule out easing policies, but as long as the increase is obvious, the real estate regulation will definitely increase.