The Notice on Further Promoting the Stable and Healthy Development of Huizhou Real Estate Market was jointly issued by Huizhou Housing and Urban-Rural Development Bureau, Huizhou Natural Resources Bureau, Huizhou Market Supervision Bureau, Huizhou Financial Work Bureau, Huizhou Central Branch of China People's Bank and Huizhou Supervision Branch of China Insurance Regulatory Commission. * * * is divided into eight parts: establish and improve the linkage mechanism of housing price and land price, strengthen the management of pre-sale and price filing of newly-built commercial housing, strictly supervise the real estate development funds, further improve the commercial housing sales policy, strictly implement the allocation of public facilities, steadily improve the coverage of housing security, strictly regulate the real estate market order, and strengthen the linkage control mechanism.
Yan Yuejin, research director of the think tank center of Yiju Research Institute, said that the introduction of Huizhou policy further explained the policy adjustment orientation of hot third-and fourth-tier cities in the second half of the year. Through such regulation, further releasing the signal of policy direction in the second half of the year will help stabilize the market, order and expectations. The implementation of such policies in Huizhou will help to further crack down on speculative demand for investment. If there is too much speculation in the follow-up market, then it is very likely that the policy will be overweight. At present, the frequency of policies in the national real estate market has increased significantly, especially on the basis of the investigation of real estate cases in Shenzhen, the policy environment can only be tightened, and there is no place to relax.
Purchase restriction in key areas
In terms of further improving the commodity housing sales policy, the Notice proposes to strictly review the sources of housing purchase funds, prevent residents from misappropriating consumer loans and personal business loans for housing purchase, and prohibit non-bank financial institutions from providing housing purchase loans to individuals. Strictly implement the three-year sales policy of newly purchased houses, suspend the sales of newly built commercial houses to non-Huizhou residents who own 1 set or above houses in key areas, and resolutely curb speculation in real estate.
In this regard, Huizhou Housing and Construction Bureau made a key explanation. Key areas refer to Daya Bay Economic and Technological Development Zone and Huiyang District. In the future, the scope of key areas will be adjusted in time according to market changes. "One or more houses in the area" refers to the houses that have obtained the property right certificate (real estate license) or completed the contract filing in key areas. * * * Property houses are included in the number of housing units owned by buyers.
Huizhou Housing and Urban-Rural Development Bureau has made it clear that before 0: 00 on August 9, 20021year, non-local residents in key areas did not sign the contract online when purchasing new commercial housing, but they could provide the original electronic bills of deposit or down payment (except cash payment) or the tax payment certificate issued by the tax authorities, which was not within the scope of restrictions.
Regarding the strict implementation of the three-year sales policy for newly purchased houses, Huizhou Housing and Construction Bureau explained that the Notice of Huizhou Municipal People's Government Office on Further Improving the Supervision and Management of the Real Estate Market in our City (Huifuban [20 17] 10) stipulates that houses purchased after 0: 00 on April 9, 20 17 can only be obtained for three years. In principle, the purchase time is based on the online signing time of the contract. 20 17 If the online signing of the contract was not completed before 0: 00 on April 9, but the purchaser can provide the original electronic bill of deposit or down payment (except cash payment) or the tax payment certificate issued by the tax authorities, there is no restriction.
Real estate obtained from sources other than purchase (including new construction, inheritance, gift, property analysis, change, replacement, etc.). ) unlimited. "Transfer" refers to the act of transferring by buying, selling, giving or exchanging. If the transfer, divorce, inheritance, share pricing and merger are decided by the court, the transfer registration shall not be restricted.
Yan Yuejin said that Huizhou implemented the sales restriction policy in April 20 17, when a three-year sales restriction was stipulated. This time, this policy is emphasized again, the purpose is to let buyers understand the content of the policy and buy their own homes rationally. In terms of purchase restriction policy, if the follow-up speculation increases, the purchase restriction policy for local residents and other fields is also expected to be introduced. In addition, it should be noted that the key areas mentioned this time mainly refer to Daya Bay and Huiyang, which are also hot spots for real estate speculation, and also reflect the government's guidance on key monitoring of key areas.
The "Notice" stipulates that the management of pre-sale and price filing of new commercial housing should be strengthened. In order to stabilize the supply of commercial housing, commercial housing projects must open all the houses at one time within 10 days after obtaining the pre-sale permit. Commercial housing project application price filing is carried out in stages. If the total construction area is less than 50,000 square meters, a one-time application must be made; If the total construction area is more than 50,000 square meters (inclusive), the construction area of each batch shall not be less than 30,000 square meters (except for the later period). Evaluate the price of high-priced real estate. If the average discount rate of transactions within half a year is less than 95%, the filing price of unsold houses will be lowered, and the inflated prices will be resolutely prevented from disturbing market expectations.
Strict supervision of real estate development funds. Strengthen the audit of the source of funds for land purchase, and strictly implement the provisions on the use of its own funds for land purchase. Real estate development enterprises that exceed the "three red lines" and are seriously untrustworthy shall not participate in Huizhou land bidding, auction and hanging. Strengthen the supervision and inspection of enterprise construction funds to ensure that construction funds are put in place. Strengthen the supervision of pre-sale funds, real estate development enterprises in strict accordance with the relevant provisions of the full deposit and withdrawal of pre-sale funds.
In terms of optimizing the rules of land auction, Huizhou will implement such transfer methods as "price limit, land price limit, competitive construction and competitive quality". Reasonably determine the sales price limit for transferring residential land, and further stabilize land prices, house prices and expectations.
"Huizhou real estate market demand depends heavily on the spillover effect of Shenzhen"
Huizhou is connected with Shenzhen and Dongguan in the southwest and Guangzhou in the west. Li, chief researcher of Guangdong Housing Policy Research Center, believes that the demand of Huizhou property market depends largely on the spillover effect of Shenzhen. Recently, the property market in Shenzhen has declined, and the property market in Huizhou has also begun to decline. The rise in housing prices is only a structural factor. Huizhou's local demand is too weak and the population is too small, but the supply and transaction volume of the property market are the first in the province. What do you digest? It depends on the demand overflowing from Shenzhen. Dialectically, without Huizhou, the demand of Shenzhen property market will be stifled and Shenzhen property market will skyrocket. Without Shenzhen, Huizhou's property market will not develop on a large scale.
After being interviewed for accountability, Huizhou was listed as a key monitoring city of the Ministry of Housing and Urban-Rural Development. This regulation has two purposes: First, the Huizhou property market has been too hot in the past two years, and the regulation of the property market is conducive to the stability of the property market. The second is to reduce Huizhou's dependence on the property market. Large supply is the advantage of Huizhou property market, and it is also a sponge pad to alleviate the demand in Shenzhen. When this is well used, the Shenzhen property market will be stable and the Huizhou property market will continue to develop. This is an important aspect of the integration of Shenzhen and Huizhou. Therefore, the regulatory policy has landed in Huizhou, and the policy repair will not be great in the case that the Shenzhen property market has declined.
Li went on to say that it is more important to note that the mortgage interest rate in Huizhou has risen to a very high level, which may be the highest interest rate in major cities. The interest rate of the first suite is 6.82%, and the interest rate of the second suite is 7.2%. Moreover, the lending cycle of new houses and second-hand houses is very long.
"Yinchuan, Xuzhou and Quanzhou property markets will be overweight."
Yan Yuejin pointed out that Huizhou's policy was related to its previous interview with the Ministry of Housing and Urban-Rural Development. It is foreseeable that the subsequent property markets including Yinchuan, Xuzhou and Quanzhou will be overweight, which further reflects the orientation of tightening policies in hot cities in the second half of the year.
On July 29th, Ni Hong, Vice Minister of Housing and Urban-Rural Development, interviewed responsible comrades in five cities, namely Yinchuan, Xuzhou, Jinhua, Quanzhou and Huizhou, demanding that the decision-making arrangements made by the CPC Central Committee and the State Council be resolutely implemented, that houses should be used for living, not for speculation, that real estate should not be used as a short-term means to stimulate the economy, that the main responsibilities of cities should be effectively fulfilled, and that regulation and supervision should be strengthened to promote the stable and healthy development of the real estate market in the first half of the year.
In the first half of this year, the sales price of new commercial housing and the price of residential land in these five cities rose too fast, and the market expectation was unstable, which aroused widespread concern in society. At the same time, the Ministry of Housing and Urban-Rural Development announced that Yinchuan, Xuzhou, Jinhua, Quanzhou and Huizhou were included in the list of key cities for real estate market monitoring.
After the interview, late at night on August 2, Jinhua City Housing and Urban-Rural Development Bureau of Zhejiang Province issued the Notice on Further Promoting the Stable and Healthy Development of the Real Estate Market in our City, becoming the first city to introduce property market regulation after being interviewed by the Ministry of Housing and Urban-Rural Development.
The "Notice" clearly implements ten requirements, such as residential sales restriction, notarized lottery sales, strengthening second-hand residential price supervision, strengthening financial supervision, strictly renaming management, and implementing the main responsibility.
The "Notice" pointed out that all newly purchased new commercial housing and second-hand housing in Jinhua City (Wucheng District, Jinhua Economic and Technological Development Zone of Jinyi New District, the same below) can only be listed and traded after obtaining the ownership certificate for three years. The confirmation time of obtaining the title certificate shall be based on the issuing time of the title certificate.
At the same time, the "Notice" mentioned that the dynamic monitoring of the listing price of second-hand houses should be strengthened, and houses with obviously abnormal listing prices should be removed from the shelves in time. In Jinhua City, we will launch a pilot project to release the reference price of second-hand housing transactions in hot spots, and timely promote the application of the reference price in finance, credit and other fields.