Wen Zhengkun/from Beijing
In order to stabilize the consumer market and promote a virtuous circle of the real estate industry, on the night of May 28th, Xi 'an, "the price increase has led the country many times", issued a new property market policy.
The Notice on Issues Concerning the Adjustment of Commodity Housing Transaction Policy (hereinafter referred to as the Notice) was jointly issued by Xi Housing and Urban-Rural Development Bureau, Xi Financial Work Bureau, Xi Housing Provident Fund Management Center and the Business Management Department of Xi Branch of China People's Bank. The above-mentioned departments said that this notice was issued to support the demand for rigid and improved housing, implement the positioning spirit of "houses are used for living, not for speculation", and promote the virtuous circle and healthy development of the real estate industry.
The Notice focuses on two aspects. First, Xi 'an banking financial institutions timely optimize real estate financial services, appropriately reduce the down payment ratio and interest rate pricing level of individual housing loans, and apply for housing provident fund loans for the first time to purchase ordinary housing (144 square meters and below), with the down payment ratio not less than 20%. Second, in terms of buying a house, you can buy a house after you have settled for one year. Families with two children and above can buy commercial housing, and unmarried people aged 28 and above can buy the first commercial housing according to the "just-needed family", which shows that the loosening is quite heavy.
The release of the "Notice" means that after several years of strict regulation, Xi 'an property market has officially entered the policy loosening period.
Xi Anmeicheng believes that the New Deal was signed by Xi Housing and Urban-Rural Development Bureau and Xi Financial Work Bureau. It can be seen that it is very great to boost the confidence of the property market under the joint efforts of various departments and multi-party regulation. But objectively speaking, compared with other cities in China, Xi 'an's policies can still be called "very restrained", and there is no "flood irrigation". In addition, from the official statement, it once again shows that there is still room for Xi 'an mortgage interest rate to be lowered.
On May 27th, Zhao Yide, governor of Shaanxi Province, pointed out at the promotion meeting of stabilizing the economic market in Shaanxi Province that we should seize the policy opportunity, do a good job in stabilizing growth, stabilizing market players and ensuring employment, ensure the stability of the economic market, and promote high-quality development to take new steps. We must do everything possible to boost consumption, support the demand for rigid and improved housing, reduce the down payment ratio of mortgage loans and loan interest rates in accordance with relevant policies, gradually liberalize the restrictions on purchases and sales due to urban policies, strengthen the prevention and control of real estate risks, and promote the stable and healthy development of the real estate market.
Promote the virtuous circle and healthy development of the real estate industry
Relax restrictions on purchases and sales, reduce the down payment ratio of provident fund loans, and expand the scope of "just-needed families". Xi' an property market finally ushered in a relaxation policy.
According to the notice, it is necessary to ensure reasonable housing demand: if a household who moves into the city from outside the city buys the first house in the housing purchase restriction area, it must settle down for 1 year before buying a house. Non-local households who purchase houses in restricted housing areas must hold residence permits in this city and pay social insurance or personal income tax in this city for two consecutive years before the date of purchase.
Promote the circulation of second-hand housing: in the housing restricted area, if the property owner has obtained the certificate of immovable property for two years, or if the online signing of the commercial housing sales contract has been filed for three years and obtained the certificate of immovable property, the purchased or newly purchased commercial housing can be listed and traded; Second-hand houses that have been purchased or newly purchased can be listed and traded if the owner has obtained the certificate of immovable property for 2 years.
"This shows that the' restricted sale' has been relaxed." Xi Anmeicheng Organization believes that the 2021"3.30 Policy" requires that the online signing of the commercial housing sales contract has been filed for five years and the second-hand house "Property Right Certificate" and "Property Right Certificate" have been processed for five years before listing and trading. Last year, the New Deal was only 1 year for 2 months. Houses purchased during this period have not been affected in the two policy adjustments. Therefore, the transfer of "full 5" back to the original "full 2 full 3" has little impact on the market. But in the long run, to some extent, it will stimulate improved demand, accelerate the flow of the second-hand housing market, and accelerate the circulation of stock houses. It is conducive to stimulating the replacement demand of some buyers.
At the same time, it is notified to strengthen housing financial support. Xi 'an banking financial institutions will optimize real estate financial services in a timely manner and appropriately reduce the down payment ratio and interest rate pricing level of individual housing loans, which will be determined by the self-discipline mechanism of market interest rate pricing in Shaanxi Province. Adjust the down payment ratio of housing provident fund loans. Optimize the policy of buying houses for all kinds of people. For example, if you buy a house in Shaanxi or the unit where you work ensures that academicians live in Shaanxi, if you confirm the purchase of commercial housing by the Municipal Talent Office, you can give priority to the guarantee and implement it according to the relevant implementation rules.
In addition, this new policy has finally solved the problem that singles have been questioned. Unmarried people aged 28 and above must have no marriage record, no house in Xi 'an's name, no house transfer record 48 months before buying a house, and a room ticket, which can be regarded as "just need a family". In addition, as long as it is a family with a second child or above who meets the purchase restriction conditions, it can also be identified as "just-needed family".
Coral, an analyst at 58 Anjuke Real Estate Research Institute, believes that after the introduction of the guide price of second-hand houses in Xi 'an, coupled with the previous policy of five years before trading, the second-hand housing trading market has also experienced a cliff-like decline, and industry practitioners have also experienced unprecedented difficulties. Therefore, the new policy, whether it is the relaxation of new commercial housing transactions or the relaxation of second-hand housing transactions, will certainly activate the amount of second-hand housing in the market, accelerate market circulation, and thus stimulate the outbreak of market demand.
At 22: 40 on May 28th, Xi Housing Provident Fund Management Center issued the Notice on Relevant Matters Concerning the Adjustment of Individual Housing Provident Fund Loan Policy to increase the maximum amount of provident fund loans and reduce the down payment ratio. For the first time to apply for housing provident fund loans to buy ordinary housing (144 square meters and below), the down payment ratio shall not be less than 20%; For the purchase of non-ordinary housing (144 square meters or more), the down payment ratio shall not be less than 25%. If you apply for housing provident fund loans for the second time and purchase ordinary housing (144 square meters or less), the down payment ratio shall not be less than 25%; For the purchase of non-ordinary housing (144 square meters or more), the down payment ratio shall not be less than 30%. And further adjust the maximum amount of housing provident fund loans. If housing is purchased through provident fund loans, the maximum amount of employee loans paid by single employees shall not exceed 650,000 yuan, and the maximum amount of employee loans paid by double employees shall not exceed 850,000 yuan.
Leading the national Xi property market.
According to the data released by the National Bureau of Statistics, in April 2022, the price of new commercial housing in Xi 'an increased by 0.2% month-on-month and 5.2% year-on-year. Although the month-on-month increase of 0.2% was 0.2 percentage points lower than that in March, the house price in Xi 'an is still on the rise.
With the effective control of the epidemic, the pace of promoting the property market in Xi 'an has obviously accelerated this year, and even several "thousand people shake" and "ten thousand people shake" properties have appeared.
"The sales of individual core areas are not universal." A number of real estate industry insiders interviewed by reporters said that Xi 'an property market is in an adjustment channel, market confidence is still insufficient, filled with anxiety, and it will take time for the property market to fully recover.
According to the statistics of Xi 'an, in April, Xi 'an registered the project14,2723, with nearly 70,000 registered families, resulting in two "ten thousand people shaking" projects. However, in addition to China Resources Land Future City (46,700 groups registered) and China Railway Construction Vanke Emerald International (1.8 million groups registered), there were less than 4,000 households registered in April, which also means that the supply of Xi property market in April was small, and most projects were registered less. Statistics show that in April, the supply of commercial housing in Xi 'an was about 559 1 10,000 square meters, down 17% year-on-year.
According to the monitoring of the Central Reference Institute, the sales area of commercial housing in Xi in 202 1 year was about15.72 million square meters, which was lower than the average level in recent years. Although the house price ranks high, the increase has narrowed and the overall trend tends to be flat. Since the beginning of this year, with the effective control of the epidemic, the pace of pushing the Xi 'an property market has obviously accelerated. In the first two months, 26 properties, 7983 suites, were registered in the Xi 'an restricted purchase area, and the number of houses increased by 34% compared with the same period of last year. More than 59,000 families registered for the lottery.
At the same time, the price of a second-hand house in the core area of Xi 'an is seriously upside down. According to the statistics of relevant institutions, there have been five "Thousand People Shake" properties in An recently, 1 "Thousand People Shake" properties, such as the Danxuanfang project in Tiandi Garden, which is located in the core area of High-tech Zone. The filing price is 26,000 yuan/square meter, but the price of second-hand houses in this project has been fired to 57,000 yuan/square meter, and tens of thousands of people finally shake to more than 360 houses.
"At present, Xi 'an property market is in an adjustment channel. "Zhi Jiajun, research director of Xi 'an Branch of the Central Finger Hospital, said that on the one hand, Xi tightened regulation twice last year, involving expanding the scope of purchase restriction, extending the transfer time of second-hand houses, and announcing the reference price of second-hand houses in some communities, which made the investment demand expected to decline; On the other hand, at the end of last year, Xi 'an was closed due to the epidemic, and the overall economy was affected. The superposition of two factors has prompted the adjustment of the property market.
"Since the second half of last year, Xi 'an property market has gradually stepped out of the upward cycle of short supply, and gradually developed to the stage of oversupply and urban internal differentiation. This situation will continue in the future. " Zhi Jiajun said.
However, with the recent epidemic control and market improvement, Xi's real estate market is coming out of the downturn. From June 65438 to May 2022 (data as of May 22nd), there were 58 new projects in Xi 'an, of which 24 were sold out immediately after opening, accounting for 4 1%.
Original title: "Stabilizing the consumer market and boosting market confidence, Xi 'an released the new policy focus of the property market late at night"