China securities journal reporter 1 1 learned that Guangzhou has ushered in the third wave of mortgage price reduction this year. It is understood that after this round of price adjustment, the first home loan interest rate of most banks in Guangzhou is 4.8%-5.2%, and the minimum mortgage interest rate of some foreign banks has dropped to the benchmark of 4.6%. For the second suite, the mortgage interest rate of most banks in Guangzhou is 5.2%-5.4%.
The leading group for cultivating and developing the housing rental market in Changsha City, Hunan Province recently officially issued the "Pilot Implementation Plan for Promoting Multi-agent Supply and Multi-channel Guarantee of Rental Housing in Changsha City". It is clear that before the implementation of the "Program", houses that have been submitted for online registration or real estate registration are not included in the calculation of family housing units.
The reporter learned from Nanjing Real Estate Trading Center that from May 10, Nanjing adjusted the policy of restricting the sale of new houses. Pre-sale of commercial housing, the time limit for sales is adjusted from the original 3 years for property right certificate to 3 years for contract filing. Commercial houses for sale and stock houses (second-hand houses) shall be subject to the time when the property right certificate is registered and accepted.
On June 5438+0 1, the Housing and Construction Bureau of Sanming City, Fujian Province also issued a new policy on the property market, adjusted the relevant provisions of the Notice of Sanming Municipal People's Government Office on Strengthening the Regulation of the Real Estate Market, and suspended the implementation of the stipulation that it is not allowed to be listed and traded for less than three years after obtaining the certificate of real estate ownership.
There are many policy highlights.
"The new policy introduced by Changsha is very novel. If the owner uses the stock room in his hand as a rental house, it is not included in the calculation of the number of family units, which means that the purchase policy is no longer restricted. " Li, chief researcher of the Housing Policy Research Center of Guangdong Provincial Planning Institute, said.
Changsha City's "Proposal" clarifies that the owner can sign the "Cooperation Agreement on Revitalizing the Rental Housing Stock House in Changsha City" with the pilot enterprises, and use the stock house for rental housing, and the Changsha Housing Leasing Supervision Service Platform will supervise and revitalize the rental housing stock house. The operating period is not less than 10 years. Before the implementation of the "Program", houses that have been registered for online signing or real estate registration are not included in the calculation of family housing units after they are revitalized for rental housing. The rental house information during the performance of the agreement will be marked in the real estate registration system to ensure the performance.
Tang Xuan, a senior analyst at RealData, believes that opening the channels for new houses, second-hand houses and rental markets in Changsha is an innovative move to promote both rent and purchase, and a virtuous circle between the buying and selling market and the rental market.
Sanming's latest "Notice" means the official release of the previous sales restriction policy. The notice pointed out that since May 9, the implementation of Article 2 of the Notice of Sanming Municipal People's Government Office on Strengthening the Regulation of the Real Estate Market "Implementing Differentiated Regulation Policies" has been suspended. "Sanming registered families buy second and above commercial housing in Sanming City. Non-registered residents of Sanming City shall not be listed and traded if they purchase the first set of commercial housing and above in Sanming City and have obtained the real estate ownership certificate for less than three years. Enterprises, institutions, social organizations and other legal entities can only transfer their newly purchased commercial houses in Sanming after obtaining the real estate ownership certificate for three years.
That is to say, since May 9th, there is no time limit for the listing of second-hand houses in Sanming to obtain the certificate of immovable property rights, and the house owners can conduct house transactions according to their own needs.
Due to the frequent actions of the city.
Since 2022, a number of real estate policies have continuously released positive signals. The core of the policy focuses on relaxing restrictions on sales, relaxing restrictions on purchases, reducing taxes and fees on real estate transactions, implementing housing subsidies, and monetizing sheds. At the level of housing enterprises' bail-out, efforts are also being made to resolve corporate debt risks and restore the "hematopoietic" function of business operations.
At the end of April, the the Political Bureau of the Communist Party of China (CPC) Central Committee meeting emphasized that houses should be used for living, not for speculation, supporting local governments to improve real estate policies according to local conditions, supporting rigid and improved housing demand, and optimizing the supervision of pre-sale funds for commercial housing.
In May, the local real estate rescue policy was accelerated. According to the incomplete statistics of Ke Rui Research Center, only 18 regions issued or implemented the new policy of stabilizing real estate during the May Day holiday. Among them, Dongguan and Huizhou. The threshold of purchase restriction has been lowered, and Dazhou and Shenyang give preferential policies to families with many children. Luoyang, Shangrao, Lianyungang and Meizhou reduced the down payment ratio to 20%, and Zhuzhou, Nanyang, Huangshi and Yueyang introduced deed tax concessions or housing subsidies; In addition, Wuxi adjusted the exemption period of individual housing transfer value-added tax from 5 years to 2 years.
On May 9th, the People's Bank of China released the monetary policy implementation report of China in the first quarter of 2022. According to the report, support local governments to improve real estate policies according to local conditions, support rigid and improved housing demand, increase financial support for housing leasing, safeguard the legitimate rights and interests of housing consumers, and promote the healthy development and virtuous circle of the real estate market.
The industry expects that there is still room for optimization and adjustment of policies.
"In order to hedge the adjustment pressure of the real estate market, many places introduced policies at the end of April and early May, but it will take some time for the policies to take effect, and the performance of inter-city differentiation will continue." Ding Zuyu, CEO of Yiju Enterprise Group, thinks.
Yang Kewei, deputy general manager of Ke Rui Research Center, believes that the down payment ratio of the second home can be considered to release the demand for improved home purchase. You can also implement the policy of "denying loans but not housing". After the first home loan is settled, you can buy a second house and implement it according to the first home loan policy. For another example, in order to improve the identification standard of non-ordinary residential buildings, except luxury residential projects, improved projects should be classified as ordinary residential products, and mortgage loans should be handled with reference to ordinary residential buildings.