? According to media reports, a few days ago, Langfang City, Hebei Province issued the "Clear Card for Langfang City to Steadily Promote the Stable and Healthy Development of the City's Economy and Supporting Policies". One of them is "six policies and measures to support the virtuous circle and healthy development of real estate industry", which attracts people's attention. In this document, Langfang officially announced that it would completely cancel the "restriction conditions" that are not suitable for the current real estate market situation in terms of household registration and social security tax. At the same time, it is also emphasized that the demand for the restricted period of housing in the "three northern counties" and "around xiong'an new area" has also been completely cancelled.
After seeing this news, my friends and I praised Langfang's decision to release restrictions on purchases and sales and stimulate the housing market. Moreover, the six measures introduced by Langfang Municipal Government to support the sound development of real estate are also very strong, mainly including the following contents:
First, for commercial personal housing loans, reasonably determine and promote the implementation of the minimum down payment ratio. For households who purchase the first set of ordinary self-occupied housing by loans, the lower limit of the interest rate of the first set of commercial personal housing loans is adjusted to not less than the quoted interest rate of the loan market in the same period minus 20 basis points; Two sets of housing commercial individual housing loan interest rate policy, the lower limit according to the existing provisions. If the paid employees use the housing provident fund loan to purchase the first family-occupied housing, the down payment ratio shall not be less than 20%. For the paid workers' families who own 1 house and have settled the corresponding housing loan, apply for housing provident fund loan again to buy ordinary self-occupied houses, and the down payment ratio shall not be less than 20%. For the paid employee families who own 1 apartment but have not settled the corresponding commercial personal housing loans, they should apply for housing provident fund loans again to buy ordinary self-occupied housing, and the down payment ratio should not be less than 30%.
The second is to introduce preferential policies for introducing high-end talents to buy houses. It is stipulated that the first set of self-occupied housing should be subsidized and the maximum loan amount of housing provident fund should be increased; Renting a house locally can give rent subsidies.
Little friends all know that in recent years, not only Beijing's housing prices have risen alarmingly, but even the surrounding cities have been moved by the wind, which has led to a sharp rise in housing prices around Beijing. Because Langfang is close to Beijing, the housing prices in the counties around Langfang have always been directly related to the Beijing real estate market, especially Yanjiao, which is more closely related to the fluctuation of housing prices in Beijing. In recent years, with the intensive introduction of property market adjustment policies by the state, the housing prices around Langfang have dropped significantly, and the transaction volume is also very low. With the promulgation of Langfang's "six policies and measures to support the healthy development of the real estate industry", it will stimulate the property market. As a result, more people are concerned about the skyrocketing housing prices around Beijing. I believe that Langfang's release of restrictions on purchases and sales will not trigger a skyrocketing housing price around Beijing.
First, people are very rational in buying houses at present. In recent years, with several rounds of real estate purchase restriction policy regulation, the demand for real estate investment around Beijing has been basically balanced, and it is a * * * problem to wait and see. Therefore, there is no room for skyrocketing housing prices in Beijing in the short term.
? Second, in recent years, with the increase of housing supply in Beijing, the housing demand around Beijing has been diluted. While diluting the demand for housing around Beijing, due to the requirements of the epidemic control policy, the relevant departments have strengthened the control of population flow outside Beijing, which has affected commuting between Beijing and led to a gradual decline in the demand for housing around Beijing.
It is believed that Langfang's liberalization of restrictions on purchases and sales indicates that the policy of loosening the property market will have a certain demonstration effect, which means that families with rigid housing needs will have the opportunity to enjoy preferential housing purchases and financial preferential policies related to housing purchases. But in the long run, Langfang's release of restrictions on purchases and sales will not lead to skyrocketing housing prices around Beijing.