According to the data of RealData, in the first half of this year, due to the city's policy, cities actively used the real estate control policy toolbox to boost market expectations and restore market circulation. Under the influence of the policy, the transaction volume of second-hand houses in Shell 50 City rose continuously in May and June, with the growth rate of 14% and 25% respectively. The newspaper pointed out that among the monitored cities, the transaction volume of second-hand houses in Xi 'an increased by 65,438+08% in June.
After the introduction of the policy, the market gradually picked up, and customers who were not in a hurry began to raise the listing price. A local agent in Xi 'an said.
Second-hand housing transactions increased
Xi released a number of property market policies on May 28th this year to boost the real estate market.
On the evening of May 28th, the Housing and Urban-Rural Development Bureau of Xi issued the Notice on Relevant Issues Concerning the Adjustment of Commodity Housing Trading Policy, which mentioned that in order to ensure reasonable housing demand, families who moved from outside the city to buy the first set of housing in the housing restricted area must settle down for 1 year before buying a house.
This also means that the newly settled property buyers in Xi 'an only need to meet the time requirement of one year, and do not need social security conditions.
Non-registered families in this city who purchase houses in the housing purchase restriction area must hold a residence permit in this city and pay social insurance or personal income tax in this city for two years before the date of purchase. In other words, for foreigners, the requirement of buying a house has dropped from the original five-year social security requirement to two years.
As far as the sales restriction policy is concerned, Xi 'an has implemented the requirements of relaxing the sales restriction policy for both new and second-hand houses, all of which have been reduced from the past five years to two years.
Not only that, Xi has also optimized the housing purchase policies of various groups of people, among which it is clear that families with two children and above buy commercial housing, and unmarried people aged 28 and above buy the first set of commercial housing, which is regarded as "just-needed families".
In strengthening housing financial support, the New Deal proposed to adjust the down payment ratio of housing provident fund loans. If you apply for housing provident fund loans for the first time to purchase ordinary housing (144m2 and below), the down payment ratio shall not be less than 20%; For the purchase of non-ordinary housing (144m2 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 (144m2 and below), the down payment ratio shall not be less than 25%; For the purchase of non-ordinary housing (144m2 or more), the down payment ratio shall not be less than 30%.
At the same time, Xi adjusted 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.
After a series of policies have been implemented, the real estate market in Xi has now picked up.
According to RealData data, the transaction volume of second-hand houses in Xi 'an increased by 18% in June. From the price point of view, according to the "100-city price index" issued by the Central Reference Institute, in June, the price of new residential buildings in Xi 'an increased by 0.68% month-on-month, ranking first among 100 cities, and the average sample price was about 12069 yuan/square meter; In terms of second-hand housing, in June, second-hand housing in Xi 'an increased by 0. 15% month-on-month, ranking 23rd among 100 cities, and the average sample price was about 16364 yuan/square meter.
Source: Price Index of New Residential Buildings in Baicheng in June 2022.
Source: RealData.
Xi 'an local agent said that the second-hand housing market is usually "quantity first". After the transaction volume goes up, the price will be raised. At present, the overall turnover of Xi 'an is not bad, and customers who are not in a hurry have begun to raise the listing price.
However, some intermediary feedback did not feel obvious changes. "The market is still relatively stable, and there is no situation in which customers focus on viewing houses."
Chen Wenjing, director of the Market Research Institute of the Index Division of the Central Finger Academy, mentioned that after the "May 28" New Deal, except for the beneficiaries of the New Deal, the wait-and-see mood of other groups was still high, and the willingness of two-child families and multi-suite families to enter the market increased under the influence of the New Deal. From the perspective of the new housing market, buyers still favor high value-added sectors such as high-tech zones and Qujiang New District, or high cost-effective sectors such as port areas.
Has the reference price for second-hand housing transactions been cancelled?
While relaxing policies such as restricting purchases and sales, the intermediary platform no longer displays the reference price of second-hand housing transactions announced by the government.
On July 8, 20021year, Xi' an issued the Notice on Establishing the Release Mechanism of Second-hand Housing Transaction Reference Price. According to the notice, Xi Real Estate Transaction Management Center takes residential quarters as a unit, fully refers to the online transaction price and evaluation price of second-hand houses, forms the reference price of second-hand houses through investigation and analysis, and publishes it on the official website of Xi Housing and Urban-Rural Development Bureau, WeChat WeChat official account and other online platforms.
At the same time, the policy is clear, and relevant institutions involved in all aspects of second-hand housing transactions should take the reference price of second-hand housing transactions as the reference basis, guide the rational transaction of second-hand housing, and stabilize market expectations. Real estate brokers and real estate network information publishing platforms should conduct self-examination on listed houses and eliminate second-hand houses with inflated prices.
However, according to the feedback from Xi 'an local intermediary, the current reference price of second-hand housing transactions is no longer one of the main standards.
Taking Fengxiangting in Longhu, weiyang district as an example, according to the Notice on Issuing the Reference Price of the Second Batch of Second-hand Houses in Residential Quarters issued by Xi Housing and Urban-Rural Development Bureau 202 1+00+ 13, the reference price of this residential quarter is 176 15 yuan/m2.
According to the platform data of Ke Holdings Inc, the reference average price of the community in May was 2 1.827 yuan/square meter. It is understood that there are currently 62 sets of houses for sale in the community (including 15 parking spaces), of which the listing price of a set of houses in 1 18 square meters shows a maximum of 25,424 yuan/square meter.
The agent of Ke Holdings Inc said that the reference price of second-hand housing transactions announced by the government is no longer displayed, and the price seen on the external network is the real price that the owners are selling.
Similarly, the Anjuke platform no longer shows the reference price of second-hand housing transactions announced by the government.
At present, a platform still shows the reference average price of Fengxiangting in Longhu 176 15 yuan/m2, but the listing price of most houses exceeds the reference average price. The broker said that the government reference price has been cancelled.
Another example is Yishu Community in LAM Raymond, Tiandiyuan, High-tech Zone, which was originally the most expensive one in the "Reference Price of Second-hand Housing Transactions in the Second Batch of Residential Communities". According to the reference price announced by the government, the reference price of Yishu Community in LAM Raymond, Tiandiyuan, High-tech Zone is 25,838 yuan/square meter.
At present, the platform of Ke Holdings Inc shows that the average reference price of the residential area in May is 36,099 yuan/square meter, which is 39.7% higher than the reference price announced by the government.
As of press time, the Xi Housing and Construction Bureau did not respond.
The relevant staff of Xi 'an Real Estate Transaction Management Center said that the transaction reference price can be used as a reference and is not mandatory, and the loan needs to be specifically consulted by the bank.
Xi 'an local intermediary said that most banks no longer regard the guiding price of second-hand houses as a hard standard, and banks will approve loans according to the real transaction price and evaluation price, whichever is the lowest.
"At present, the speed of bank loans has also accelerated," said another intermediary.
According to the data of Zhuge Research Institute, in June 2022 (as of 23rd), the number of listed second-hand houses in Xi 'an was 123452, down 8% from the previous month and up 28.4% from the same period last year. Chen Xiao, a senior analyst at Zhuge Housing Search Data Research Center, said that Xi 'an released a new policy on May 28th, which involved relaxing the restrictions on the purchase and sale of second-hand houses, and proposed that the restricted period of second-hand houses be changed from five years to two years, which had an encouraging effect on second-hand houses. With the gradual fermentation of the "5 28" New Deal, the confidence of the second-hand housing market will be boosted to a certain extent, and the price will also usher in a rebound space.