The "Opinions" also clarify that residential land is sold in three batches throughout the year; In some areas, the "limited house price and competitive land price" transfer is adopted to improve the linkage transfer mode of house price and land price; Further increase the supply of rental housing land, and increase the allocated rental housing area in the plot as a whole on the basis of "limited land price", "competitive construction" and "competitive self-sustaining" in the past when transferring commercial residential land.
Crack down on "real estate speculation by fake talents"
Yan Yuejin, research director of the think tank center of Yiju Research Institute, pointed out that this provision actually combines the two major tasks of "talents give priority to buying houses" and "preventing real estate speculation". Previously, Shanghai also stipulated the policy of restricting the sale of houses with priority subscription. He judged that in the follow-up areas, in terms of talent introduction, additional restrictions on sales may become the standard of the policy. This has a positive effect on introducing talent resources and preventing all kinds of speculation at the same time, which is helpful to crack down on the phenomenon of "real real estate speculation with fake talents". This has also largely blocked the loopholes in introducing talents to Guangzhou in the past two years.
Li outspoken, chief researcher of Guangdong Housing Policy Research Center, said that the main reason for this round of housing price increase in Guangzhou is that many peripheral areas have relaxed the green card for talents, giving "talent release" to foreign customers who have no employment license, local running water and local social security, especially during the epidemic last year. Since the end of last year, Huangpu, Nansha and other hot spots have gradually tightened their talent policies, requiring that local employment certificates, social security and local tap water be issued before talents can be qualified to buy houses and lend. However, the policy is only implemented in individual areas and has not been clearly issued. Some areas strictly enforce it, some areas do not strictly enforce it, some banks enforce it, and some banks do not. This time, the documents issued by the municipal level will form a perfect and unified talent qualification review rule. At the same time, it is required to restrict the sale of talents to buy houses. The title certificate of the new house has reached 3 years, which is equivalent to 4-5 years of restricted sales. The signal is clear. Encourage talents to buy houses and settle down in the periphery and discourage real estate speculation.
This opinion shall be implemented as of April 3, 20021year. The Guangzhou Municipal Bureau of Housing and Urban-Rural Development said that the implementation time will continue the previous practice, that is, if the subscription book or purchase contract has been signed before 24: 00 on April 2, and the online signing of the purchase contract has been completed, it will be implemented according to the original policy. If the online signing of the house purchase contract is not completed before 24: 00 on April 2, but the subscription book or house purchase contract has been signed, and the original bank entry voucher or tax payment certificate of the house payment (including deposit, down payment or part of the house payment) can be provided, the original policy will still be implemented. All districts should implement the responsibility of territorial subject, further tighten the qualification examination of talents, carry out special actions of self-examination and self-correction, and resolutely crack down on all forms of speculative housing purchase. The city will strengthen the price guidance of new commercial housing, guide the development enterprises to set reasonable prices, and temporarily refuse to issue pre-sale permits or apply for online transaction signing and filing for projects that are overpriced and do not accept government price guidance.
"Regulating prices is the difference between Guangzhou and other cities". Li said that other cities use less, mainly for the first-tier cities where Guangzhou's housing prices have recently led the rise. The inventory digestion cycle is relatively low, and some hot spots are in a situation where there is no room to sell. Some developers "hoarded land", and the market expectation began to be unstable, which aggravated the tight supply and demand situation and also aggravated the expectation of rising house prices. "The current Guangzhou real estate market has failed, and it needs to rely on the appropriate intervention of the government to restore the normal state, leaving enough space and time for the lagging supply." He said.
Based on the long-term observation of the Guangzhou market, Li said that in the case of short supply of new houses, the turnover of new houses has declined recently, and buyers have turned to second-hand houses, which has led to a rapid rebound in the second-hand housing market. The prices of old Huangpu and new Huangpu (Luogang) in Guangzhou increased by 20%-30% year-on-year, and the areas with the concept of financial city (Tianhe and Huangpu) increased even more. Without price guidance, the price increase of new and second-hand houses will form a cycle and be difficult to control. Of course, there is no "upside down" situation of new houses and second-hand houses in Guangzhou, and the price of new houses is generally higher than that of second-hand houses. Therefore, controlling the price of new houses is unlikely to be upside down. In addition, the supply of new houses in Guangzhou is large, and controlling prices and increasing supply will also control the overall house price.
Li believes that regulation is inevitable. First, the price increase in Guangzhou has expanded significantly, leading the first-tier cities. In February this year, among the 70-city housing prices, Guangzhou's new houses rose by 0.9% month-on-month, ranking third, and first-tier cities ranked first; It rose by 6.9% year-on-year, ranking tenth in the country and first-tier cities; In terms of second-hand housing, Guangzhou rose by 1.0% in February, ranking third in the country, second only to Shanghai and Beijing, and rose by 9.8% year-on-year, ranking fourth in the country, only lower than the growth rate of Shenzhen 16% in the first-tier cities.
Second, the market demand is hot. Recently, the turnover in Guangzhou has also increased significantly. In 2020, the transaction volume of first-hand and second-hand houses reached the highest level since the last round of high point (20 17). In the first quarter of this year, the property market was still hot. In March of 20021,the transaction volume of second-hand houses in Guangzhou (self-help online signing intermediary online signing) was 150 13 sets, which was 48.132 sets higher than the same period in February.
From the perspective of new houses, due to the decline in supply, supply can't keep up with demand, and local price control, the transaction volume of new houses has declined in recent months, but the phenomenon of "demand exceeds supply" has appeared for four consecutive months, which can be described as demand exceeds supply, and it is hard to find a room. According to the statistics of Zhongyuan Real Estate, at the end of March, the digestion cycle of new house inventory in the city was only 6.4 months, while the hot spots of Tianhe, Huangpu and Nansha were only 2.7 months, 3 months and 5.7 months respectively. Even Zengcheng, which has a large supply, has only 5.8 months.
634 hectares of residential land are centrally supplied.
Regarding the supply and supervision of residential land, Guangzhou Housing and Urban-Rural Development Bureau stated that it will strictly implement the classification and regulation requirements of residential land, increase the scale of residential land supply, transfer residential land in Guangzhou in three stages, and promote the implementation of "Guangzhou 202 1 Construction Land Supply Plan" in an orderly manner. This year, it is planned to supply 634 hectares of residential land, accounting for 25% of the planned total, which is 22% higher than the average annual supply of residential land in the previous five years. We will improve the linkage mechanism between housing prices and land prices. In some areas, we will adopt "limited housing prices and competitive land prices" for sale. When bidders bid for land, they will sign a letter of commitment for rational bidding, and jointly warn enterprises with irrational competitive land prices, thus strengthening supervision. At the same time, the supply of rental housing will be increased by increasing the rental housing area allocated for this plot as a whole. Strengthen the post-supply management of land, increase the information disclosure of existing residential land, severely crack down on land hoarding, and effectively guide the land market expectation.
The first batch of 48 homesteads in Guangzhou is planned to be sold centrally at the end of April, with a total land area of about 393.6 hectares. In terms of regional distribution, Liwan District 1, Baiyun District 8, Huangpu District 3, Huadu District 4, Panyu District 5, Nansha District 5, Conghua District 4 and Zengcheng District 18. Beijing has identified the first batch of 30 projects for centralized supply, involving 12 area, including Chaoyang District 10, and the construction land area is about 4 1 hectare.
Strictly review the source of funds for the down payment of house purchase.
The Opinions focus on "preventing business loans from illegally flowing into the real estate sector", which not only strengthens the management of individual housing loans, but also regulates the post-loan management of microfinance companies.
Specifically, the "Opinions" require greater supervision and inspection of illegal inflow of operating loans into real estate; For loans using real estate mortgage, the rationality of the financing demand for applying for operating loans in the short term after the completion of real estate transactions is mainly investigated. If the mortgaged property is less than 1 year, the loan mortgage ratio shall be carefully determined. Banking financial institutions should further tighten the post-loan management of loans and strengthen the monitoring and early warning of post-loan capital flow. Banking financial institutions should remind borrowers in writing of the legal risks and related effects of illegal use of credit funds to purchase houses, and sign a letter of commitment on the use of funds when signing a loan agreement with borrowers, making it clear that once the loan is found to be misappropriated in the real estate field, it will immediately recover the loan, reduce the credit line and investigate the corresponding legal responsibilities.
We will further strengthen the management of individual housing loans, strictly examine the source of funds for down payment on housing purchases and the repayment ability of housing loan borrowers, increase the verification of income recognition standards and debt-to-income ratio, and prevent funds such as consumer loans and operating loans from flowing into the real estate market in violation of regulations. In order to further standardize the post-loan management of microfinance companies, the borrower's loan purpose of microfinance companies should meet the requirements of relevant national policies, and the loan contract requires the borrower not to misappropriate the loan or change the use without permission, and requires the borrower not to use the loan for financing in the real estate market.
Yan Yuejin said that Guangzhou became the first city to clearly implement the policies of the CBRC and other departments, and the introduction of policy content in the management and control of operating loans will help promote the stability of the loan market. According to the current policy in Guangzhou, for loans using real estate mortgage, the rationality of financing demand for applying for operating loans in the short term after the completion of real estate transactions is mainly examined, in fact, in order to prevent some buyers from "mortgaging real estate-defrauding operating loans-continuing real estate speculation".
According to local media reports, the mortgage agency in Guangzhou has received notices from many banks to further investigate the source of down payment from March 17. The "down payment" for buying a house must be the family's own funds. If it is verified that the source of the down payment is borrowing, raising funds to cross the bridge or borrowing from others, it is strictly forbidden to enter. Guangdong Association of Small Loan Companies also issued a notice, requiring small loan companies not to provide buyers or sellers with financing products such as "down payment loan", "bridge loan", "final payment loan" and "foreclosure loan"; At the same time, further strengthen the monitoring of loan purposes, require borrowers to use loan funds strictly in accordance with the purposes agreed in the contract, and may not misappropriate loans for housing financing.
Self-inspection by banking institutions in Guangzhou found that the amount of problem loans suspected of illegally flowing into the real estate market was 65.438+0.47 billion yuan, with 305 households. Banking institutions will deal with illegal loans by terminating the quota, settling in full at one time, and repaying in advance by installments.
Strictly control the owners of "real estate speculators"
At the same time, the opinion also calls for further strengthening the supervision of the real estate market. Guangzhou Housing and Construction Bureau said that this is to further standardize the trading order in the stock market, standardize the real estate brokerage business behavior, and provide an open, fair and safe trading environment for both parties. Maintain the high-pressure situation of real estate market supervision, continue to carry out joint inspection of the city's real estate market order, and severely investigate and deal with illegal business practices such as unlicensed sales, false house sales, false propaganda, failure to sell at the government's record price, price increase outside the price, hoarding housing, and inducing and instigating buyers to take "commercial loans" and "consumer loans" to pay for the purchase price. Focus on strengthening the supervision of real estate intermediary behavior, severely crack down on illegal activities such as real estate agents participating in real estate speculation, driving up house prices, publishing false housing and price information, and severely crack down on all kinds of transaction fraud. Suspected of a crime, transferred to the judicial department for legal responsibility according to law.
Yan Yuejin particularly emphasized that the "Opinions" issued by Guangzhou this time also mentioned the strict control of real estate speculators. In order to create a healthy and orderly public opinion environment in the real estate market, all media, online platform accounts and online owners should not deviate from the positioning of "waiting for the house and not speculating" when publishing information, and will seriously investigate and deal with illegal and illegal information that disrupts the market order by falsely spreading real estate policies and market operations, fabricating and spreading comments such as rising house prices, and creating market panic.
"This time in Guangzhou, it is obvious that group owners need to strictly regulate information release. This also means that some subsequent real estate speculators will face greater control. This phenomenon is indeed prominent in the Guangzhou market, especially in Guangdong-Hong Kong-Macao Greater Bay Area and Nansha, and related WeChat groups will face greater control in the future. " Yan Yuejin said.
Li predicted that Guangzhou's property market will peak at a high level, and some areas may experience a certain degree of decline. "The key tools of capital and land have been well utilized. Coupled with the restricted sales of talents, the subsequent supply is increasing, and the heat of the property market will definitely be controlled. From this perspective, the Guangzhou property market began to peak at a high level and began to wander at a high level. It is expected that some areas where house prices are rising too high, especially those where foreigners buy more houses and speculate more (Nansha, Luogang, etc.). ), there may be a certain degree of decline. "