Yan Yuejin, research director of a think tank center of a research institute, said in an interview with a reporter from Securities Times E Company that the policy issued by Harbin this time has a strong signal significance, and it is expected that the number of subsequent cities will increase.
He further pointed out that at present, the contradiction in the property market in many cities across the country has changed from overheating to supercooling. Moreover, new risks have emerged in the supercooling, that is, the financial risks of real estate enterprises. "Harbin actively introduced policies to guarantee, including reducing the burden on housing enterprises in an all-round way and implementing destocking through multiple channels, which is in line with expectations and also means recent changes in policy direction. However, in the fine-tuning of policies, we should pay attention to the caliber and market reaction, and still insist on living within the framework of non-speculation. "
Reduce the overall burden on housing enterprises
65438 10 9 Harbin News Network showed that Harbin recently issued the "Implementation Opinions on Promoting the Stable and Healthy Development of the Real Estate Market in Our City".
First of all, this policy in Harbin shows that the whole scope is to reduce the burden on housing enterprises. Yan Yuejin believes that this policy has put forward a lot of pragmatic contents for housing enterprises to reduce their burdens, including lowering the pre-sale permit standards, speeding up the return of pre-sale funds, reducing the pre-requisition rate of land value-added tax, and supporting the promotion activities of housing enterprises. Similar regulations greatly reduce the financial pressure of housing enterprises, and at the same time help housing enterprises to better carry out sales and project development, which is a very pragmatic policy to save enterprises. "Such a policy also reflects the various pressures faced by real estate enterprises at present, including the pressure of liquidity, the pressure of taxes and fees, the pressure of various expenses and the pressure of project sales. Harbin's policy reflects a very good care orientation. "
Secondly, the policy starts from the housing consumption end and implements the destocking policy through multiple channels, including subsidizing college students and new citizens, relaxing the housing age of second-hand housing provident fund loans, and implementing civil price standards for apartment products. "Such regulations will reduce the cost of property buyers entering the market, reduce their worries, and at the same time put forward more guarantees in finance, finance, taxes and fees, which is conducive to encouraging property buyers to actively enter the market. Under such a policy, it is bound to activate the demand for housing purchases in the fourth quarter, which is conducive to preventing the risk of a decline in the scale of market transactions. "
It is worth noting that the data provided by the think tank center of Yiju Research Institute shows that the continuous oversupply of new commercial housing in Harbin in the past year is also a major background for the introduction of relevant policies.
Generally speaking, Yan Yuejin believes that Harbin's policy this time is worthy of recognition and is a precise measure based on market contradictions. At present, the contradiction of property market in many cities across the country has changed from overheating to supercooling. Moreover, new risks have emerged in the supercooling, that is, the financial risks of real estate enterprises. Actively introduce policies for protection, in line with expectations. On the one hand, it helps to promote the activity of market transactions, on the other hand, it also helps to promote the stability of the operation of housing enterprises. It is expected that other cities in the country will follow suit, especially those with high destocking pressure and high operating pressure of housing enterprises, including non-core second-tier cities and some third-and fourth-tier cities in the central and western regions.
"Bidirectional" adjustment mode is on.
It is worth noting that since the beginning of this year, the national real estate regulation and control policies have shown a tightening trend, and many local governments have introduced high-frequency property market regulation measures due to urban policies, which has become known in the industry.
According to the Report on the Summary and Trend Outlook of China Real Estate Market in the Third Quarter 20021released recently by the Central Finger Research Institute (hereinafter referred to as the Report), on July 22nd, the central government reiterated its position of "staying in houses without speculation", which set a clear tone for the regulation of real estate policies in the second half of the year and comprehensively implemented a long-term mechanism to stabilize land prices, house prices and expectations. Grasp the key links of real estate finance, further improve the "three lines and four files" financing management of real estate enterprises, and implement centralized management of real estate loans of financial institutions.
At the same time, the real estate policies of many cities have also been adjusted and upgraded. According to the report, by the end of September, more than 70 regulatory policies had been issued by more than 30 cities. With the continuous improvement and refinement of urban policy control toolbox, it involves many aspects, such as sales restriction, price restriction, purchase restriction, loan restriction, notarization and lottery purchase, adjustment of VAT exemption period, land transfer management, and reference price mechanism of second-hand housing transactions. The scope of regulation has expanded from first-and second-tier hotspot cities to third-and fourth-tier hotspot cities, and the scale of cities that have introduced guiding prices for second-hand housing transactions is also expanding.
On the other hand, since the third quarter of this year, with the further increase of market adjustment pressure, some cities have introduced relevant support policies.
Chen Wenjing, deputy research director of the Index Division of the Central Reference Institute, believes that the policy "two-way" adjustment mode has been started. The "two-way" adjustment mode of local policies has been started, and "limiting growth" and "limiting decline" have appeared at the same time. More than ten cities, including Yueyang, Shenyang, Changchun and Tangshan, have introduced "limited drop", and some cities have introduced subsidies for talents to buy houses, increased the amount of provident fund loans, lowered the tax collection rate of second-hand housing transactions, and stabilized market expectations.
Looking forward to the future, the report believes that under the general tone of "staying and not speculating", the regulation of the property market is "stable" and the regulatory policy environment may be improved in the fourth quarter. The possibility of continuing to raise prices in various places has been significantly reduced, and the space for fine-tuning policies has been opened. Some cities have the possibility of fine-tuning the amount and time of mortgage loan, mortgage interest rate and limited signing.
Harbin recently issued the "Implementation Opinions on Promoting the Stable and Healthy Development of the Real Estate Market in Our City"
The full text is as follows:
In order to conscientiously implement the overall goal of stabilizing land prices, housing prices and expectations of the state and the province, and promote the healthy and stable development of the real estate market in our city, this opinion is formulated.
First, according to the development period agreed in the land use right transfer contract, accelerate the project construction. For the real estate development projects with the annual credit rating of green and blue that obtained the land use right before June 1 in 2022 and February 1 in 2022, enterprises can apply for the pre-sale permit of commercial housing by building if the high-rise building reaches the image of a first-floor project and the multi-storey building reaches the image of a second-floor project.
2.65438+Before February 3, 20221,the real estate development projects that have implemented the supervision of pre-sale funds of commercial housing should be returned as soon as possible if they meet the return conditions. At the same time, according to the actual progress of enterprise credit and project construction, if there is still a balance after deducting 5% of the retained supervision funds, on the basis of returning the supervision funds at each stage, 20% of the original amount will be increased at each stage to reduce the pressure on enterprise liquidity.
Third, in order to attract and retain talents with college education or above to buy houses in Kazakhstan, the housing subsidy policy is implemented. Those who sign employment contracts or service agreements with local employers, pay social security for six months, and start their own businesses can enjoy housing subsidies for all kinds of talents under the age of 35 who purchase the first commercial housing in Kazakhstan. Housing subsidies are paid in a lump sum in the form of money, and the payment standards are 654.38+10,000 yuan for full-time doctoral students, 50,000 yuan for full-time master students, 30,000 yuan for full-time undergraduate students and 20,000 yuan for junior college students (including technical colleges). The situation of purchasing houses by talent buyers has been recognized by human and social departments, education departments and housing and construction departments. After the purchaser issues the commercial housing sales contract confirmed by online signing, the municipal finance will allocate funds to the application department for payment. This subsidy is based on the family, and both husband and wife cannot enjoy it at the same time. Those who enjoy this subsidy policy will no longer enjoy other housing subsidy policies issued by Harbin Municipal People's Government and its subordinate departments.
4. For new citizens who come to Kazakhstan for various reasons such as work or school, they can enjoy housing subsidies when they buy their first commercial house in Kazakhstan. The housing subsidy is paid in a lump sum in the form of money, and the payment standard is 654.38+100000 yuan. After the purchaser issues the commercial housing sales contract confirmed by online signing, the municipal finance will allocate the funds to the application department for payment. Those who enjoy this subsidy policy will no longer enjoy other housing subsidy policies issued by Harbin Municipal People's Government and its subordinate departments.
5. From 202 1, 1 and1,20% of the initial land transfer price will be paid as the bid bond for the new land transfer project (subject to the release time of the land transfer announcement). After the signing of the land transfer contract, 50% of the land transaction price shall be paid within one month, and the remaining land transaction price shall be paid within six months, and the corresponding interest shall be paid according to the regulations.
6. From 202 1, 1 and1,the withholding rates of value-added tax for ordinary standard housing, non-ordinary standard housing and other types of real estate land in this city are 1.5%, 2% and 2.5% respectively.
Seven, the actual use of water and electricity charges for apartments continue to implement the civil price standard.
Eight, under the premise of ensuring the value of housing collateral, combined with the actual situation in our city, relax the housing age of second-hand housing provident fund loans, from 20 years to 30 years, and the sum of the loan housing age and housing age shall not exceed 50 years.
Nine, allow employees who have paid provident fund in different places to apply for provident fund loans in Kazakhstan, and realize that employees in different places can enjoy the same housing provident fund loan policy in Kazakhstan.
Ten, county (department) level female cadres and senior professional and technical personnel housing provident fund personal loan age from 55 to 60 years old.
Eleven, relax the flexible employment policy of building households to pay provident fund, social security accounts can apply for housing provident fund deposit.
Twelve, relax the housing provident fund portfolio loan business, employees still can not meet the needs of the use of provident fund loans, you can apply for portfolio loans.
Thirteen, improve the online public opinion monitoring mechanism, unify the real estate market data information and release caliber, release it on government websites and mainstream media, and all relevant functional departments investigate and deal with all kinds of false information according to laws and regulations, deal with the chaos of real estate information network communication according to laws and regulations, standardize the order of information dissemination, and respond to social concerns in a timely manner.
Fourteen, the district and county (city) governments should earnestly fulfill the responsibility of the real estate market, and actively guide and support real estate development enterprises to carry out promotional activities. Natural resources planning, finance, taxation, finance, housing construction, provident fund, real estate and other relevant departments should cooperate vigorously, timely judge the trend of the real estate market, and do a good job in market monitoring and analysis. All real estate development enterprises should strengthen the main responsibility of enterprises, identify product positioning, improve product quality and promote the stable development of the city's real estate market.
Fifteen, nine districts According to the above opinions, counties (cities) can refer to the actual situation in the region.
16. This opinion takes effect from 202 110/0/day, and is valid until 20221February 3 1 day, during which it will be adjusted according to relevant national policies and changes in market situation. The Municipal Housing and Construction Bureau shall be responsible for the specific interpretation of these Provisions.