One day, two cities announced the relaxation of purchase restrictions!
On September 15, news of relaxing the purchase restriction came from Qingdao and Jinan. According to comprehensive public reports, since September, the property market has relaxed the purchase restriction policy after entering the traditional "Golden September and Silver 10".
Qingdao relaxes purchase restriction
On September 15, Qingdao Housing and Urban-Rural Development Bureau issued "Dynamic Improvement of Real Estate Policy in Our City". In order to thoroughly implement the decision-making arrangements of the CPC Central Committee and the State Council, adhere to the positioning of "housing without speculation", support rigid and improved housing demand, and make appropriate adjustments and optimizations to the current real estate control policies in combination with the actual real estate market in Qingdao.
1. Shinan District and Shibei District (except sifang district) will continue to implement the purchase restriction policy.
Second, continue to clarify the purchase of houses. New commercial housing will be built in the restricted area. Local residents will be restricted to 2 sets, families with two children and three children will be restricted to 1 set, and foreign residents will be restricted to 1 set after living for half a year; Second-hand houses are no longer restricted.
Although the Notice emphasizes that some areas will continue to implement the purchase restriction policy, and the words "relaxation" and "liberalization" are not explicitly mentioned in the full text, it is not difficult to find that the purchase restriction policy will no longer be implemented outside Shinan District and Shibei District of Qingdao (except sifang district), in which the new commercial housing in the purchase restriction area will be relaxed to families with many children, that is, local residents will be restricted to purchase 2 sets, and families with two or three children can buy 1 set. Second-hand houses are no longer restricted.
Jinan relaxes purchase restriction
Shortly after Qingdao officially announced the relaxation of the purchase restriction policy, the news that Jinan relaxed the purchase restriction also came.
On the afternoon of September 15, according to Jinan Daily, it was learned from Jinan Housing and Urban-Rural Development Bureau that in order to further support the demand for rigid and improved housing, Jinan continued to optimize its real estate policies and measures, and continued to implement purchase restrictions in Lixia District and Shizhong District within the Second Ring Road, which will be implemented on September 16.
As of press time, the official notice has not been released. Although the specific details have not yet been released, this news also means that the area outside the Second Ring Road in Jinan will be fully liberalized.
Suzhou, Ningbo and other places have adjusted their purchase restriction policies.
The day before, in September 14, Suzhou also heard the news that the city had liberalized the purchase restriction policy. According to a number of official media reports, it was learned from Suzhou Housing and Construction Bureau and local real estate market that six districts in Suzhou (including Xiangcheng District, gusu district District, Wuzhong District, Wujiang District, Industrial Park and High-tech Zone) optimized the policy of foreigners buying the first suite, and only local registered property buyers were included. The foreign property under the name of the buyer is not within the scope of investigation.
It is understood that this year, Suzhou has loosened the property market policy many times. In April this year, Suzhou announced that the sale period of second-hand houses would be changed from 5 years to 3 years; In May, Suzhou announced the cancellation of the policy of restricting the sale of second-hand houses. The restriction on the sale of new houses was shortened from three years to two years, and the social security requirements for non-local household buyers were also shortened from 24 months to 6 months. After entering August, Suzhou adjusted the policy of "recognizing the house and recognizing the loan" and lowered the down payment ratio of the second suite, that is, after the loan was settled, the down payment ratio when buying a house again was lowered from the previous 50% to 30%; If the loan is not settled, the down payment ratio will be reduced from the previous 80% to 60%.
On the other hand, in early September, Ningbo also heard the news that the city had released the purchase restriction. According to a number of media reports, Ningbo fully liberalized the purchase restriction on September 8, and the number of family purchases was no longer limited. Although there is no public document like Suzhou's "official announcement", many local real estate sales offices have said that they have received the notice and started to implement it.
In addition, it is worth noting that on September 1, Fuyang District of Hangzhou issued "Several Opinions on Attracting Talents to Help Strong Industrial Areas", which also relaxed the conditions for buying houses, saying that as long as registered families who have settled in this city or non-registered families with urban social security or tax payment records in this city, they can buy houses (including new commercial houses and second-hand houses) in Fuyang District. And the purchase of a second house in Fuyang District is not restricted by five years of settlement. This means that in the ten districts of Hangzhou, except for Lin 'an District, Fuyang District has become the city with the most relaxed purchase restriction policy.
Industry: it is conducive to boosting the trading market and guiding market expectations.
Yan Yuejin, research director of the think tank center of Yiju Research Institute, said that since September, Ningbo, Suzhou, Qingdao, Jinan and other places have relaxed their purchase restrictions, indicating that relaxation in second-tier cities is a very important direction in the near future. Such relaxation has a positive effect on boosting trading conditions and guiding market expectations, which also shows that policy relaxation is the general direction and trend.
Yan Yuejin believes that policy relaxation has three axes, namely finance, administration and taxation. Prior to this, the credit policy was greatly relaxed and covered a wide range, while the administrative relaxation work was done less. Similar to the relaxation of purchase restriction, it shows that policy relaxation has a new starting point, that is, administrative policy relaxation will have new actions.
"There are many dimensions to the relaxation of purchase restriction, including the reduction of purchase restriction area, the increase in the number of houses purchased by locals and foreigners, the increase in the number of houses purchased by families with many children and other personnel, the reduction of audit conditions such as social security for house purchase, the relaxation of new or second-hand houses, and the reduction of purchase restriction after selling houses." Yan Yuejin said that this kind of operation and mode is worth learning from other cities in the country, thus forming a restriction and relaxation model of "one city, one policy".
At the recent executive meeting in the State Council, it was pointed out that in order to support the demand for rigid and improved housing, local governments should make good use of the policy toolbox of "one city, one policy" and flexibly use staged credit policies and special loans for affordable housing.
In addition to the above-mentioned relaxation of the purchase restriction policy, in September 15, there were also good news in the property markets of the two places. Among them, Zhuji issued the "Detailed Rules for the Implementation of Financial Subsidies for Deed Tax on Real Estate Transactions within the Administrative Region of Zhuji City", including increasing support for housing provident fund, implementing deed tax subsidies, and encouraging housing enterprises to carry out group purchase concessions.
In Guangzhou, the record price policy of new real estate was adopted or adjusted, that is, the "one room, one price" was adjusted from 6% up and down to the upper limit 10% and the lower limit of 20%, and the overall price controllable range was raised to 30%. Many local insiders also claimed that the news was true, but it has not yet been implemented.
According to the research report released by Guo Jin Securities recently, the real estate transaction dropped significantly before September 10, and the sales of commercial housing in 30 large and medium-sized cities dropped by 42% year-on-year, with a drop of 23 percentage points higher than that in August, and the urban transaction dropped by 9% year-on-year, with an increase of 14 percentage points higher than that in August. The transaction area of commercial housing in 30 large and medium-sized cities decreased by 20% compared with last week, which means that the transaction area of urban second-hand housing decreased by 14% compared with last week. Due to the Mid-Autumn Festival holiday and the spread of epidemic in many places, the real estate was depressed or disturbed.