7,000 yuan for a "mortgage number"
The property market is frozen, and Shenzhen speculators are scrambling to mortgage the property.
Author: Southern Weekend reporter Zhang Xia Southern Weekend Intern Liu Xiaojie
The purchase restriction policy has quickly frozen the Shenzhen property market heated by the fire into a "freezing city" with no market price. It was discovered that another wave of upsurge after the skyrocketing property market-"red book" mortgage cashing has already quietly emerged.
The reason for the mortgage boom is that if house prices continue to rise in the future, the property is still in the hands of the owners, which can be held for value-added or rented out; If house prices fall, mortgage loans from banks at 70% of the current market price can also provide fixed income for owners.
The mortgage number that is harder to grab than the Spring Festival travel rush train ticket.
The "mortgage number" of real estate mortgage registration is hard to find in Shenzhen No.1, and the price of scalpers has been fried to 7000 yuan.
On May 6th, 20 16, people coming and going were waiting for a phone call in front of the four mortgage windows in the lobby on the third floor of Shenzhen Jinhu Cultural Center (hereinafter referred to as the registration center). They have made an appointment online or turned to scalpers to get the "mortgage number" of real estate mortgage registration. This number is now "hard to find on the 1st" in Shenzhen, and it is "more difficult than grabbing the Spring Festival travel rush train ticket".
While waiting in the lobby of the registration center, many people told Southern Weekend reporters about their successful online booking experience: they got up around 6 o'clock, sat in front of the computer at 6: 50, opened the reservation page of Shenzhen Real Estate Registration Center, filled in the information, and immediately grabbed the number at 7 o'clock.
"For this mortgage number, I made an appointment for a week and was late for sending my children to school several times." A woman of about 30 years old said while filling in the information.
The on-site staff told the Southern Weekend reporter that the whole system has been upgraded recently, so it is more difficult to make an appointment. In addition, there are "yellow cattle" speculation, which makes many people unable to make an appointment.
At the end of April, after many local media reported that "No.1 mortgage registration is hard to find", the registration center released more figures from time to time.
Wang Mingli, who is engaged in biotechnology industry, just helped his boss with a mortgage loan on April 18. She told Southern Weekend reporter, "I heard from a friend that she spent 7000 yuan to buy the mortgage number from the scalper."
The person in charge of the news propaganda of the registration center told the Southern Weekend reporter that it was hard to get a ticket because someone maliciously grabbed the number through the number grabbing software and the scalper speculated. The staff who handled the mortgage business at the scene also said, "Now the date is 1500, but the number that can be handled is less than 1000, and hundreds of numbers (in the hands of scalpers) are invalid."
Jinhu Cultural Center has the most outlets because it undertakes the business of Luohu and Yantian. In the lobby on the third floor, there are ten bank outlets such as Minsheng, CITIC, and Industry and Commerce. In the opinion of the above-mentioned staff, "everyone is concentrated here to apply for mortgages because there are banks designated to come here, so banks don't have to set up points elsewhere, and there are the most banks here."
The security guard of the registration center told the Southern Weekend reporter that last year, the registration center also implemented an offline queuing call. "There are people waiting in line at two or three in the morning, and there are people inside and outside the hall."
In order to avoid queuing in the early morning, from the second half of 20 15, the registration center will issue all the numbers through online reservation. Therefore, most people can only "fight for individuality and speed" like robbing Spring Festival travel rush for a train ticket.
Cash-out tide after the skyrocketing property market
The transfer and delivery windows are "suddenly deserted", and the mortgage window is not only crowded, but also "No.1 is hard to find". "The market is already very cold, why is the mortgage still so hot?"
The popularity of real estate mortgage is accompanied by the skyrocketing property market in Shenzhen.
20 15, Shenzhen created a miracle in the history of China real estate. According to the data of the National Bureau of Statistics, Shenzhen's housing prices rose by 47.5% year-on-year, leading the country. In fact, the wealth of most Shenzhen property holders has more than doubled in one year.
Until March of this year, Shenzhen's "3.25 New Deal" was introduced, and the popularity of the Shenzhen property market came to an abrupt end. The "3.25 New Deal" changed the original 1 year social security housing purchase qualification to three consecutive years, and the down payment for mortgage application was increased from 30% to 40% within two years.
In addition to the "3.25 New Deal", another policy that led to a sharp decline in the volume of second-hand housing transactions in Shenzhen was that the evaluation price of real estate transactions was raised by 50% from April 1.
It is less than half a year since the appraisal price was raised by 50% in June of 20 15. At the same time, the boundaries between ordinary houses and luxury houses in Shenzhen have not improved. This has led to many ordinary houses becoming "luxury houses". Once classified as a luxury house, it means paying more taxes when trading.
Take Nanshan District as an example, a house with a total price of more than 4.9 million yuan is considered a luxury house, but now the average price in Nanshan District is close to 70,000 yuan per square meter, which means that a house with a total price of 70 square meters is considered a luxury house. The deed tax of luxury houses is three times that of ordinary houses, and this alone increases the transaction cost by 2%.
Huang Sheng, a real estate speculator, told Southern Weekend reporter, "According to the usual practice, the appraisal price is adjusted once a year. 20 15 was just adjusted once in June, and it increased by 50% in less than half a year. In the last six months, house prices have certainly not risen that much. Perhaps the government still hopes to crack down on short-term speculation in this way. "
"House prices haven't dropped, and taxes have gone up. In fact, it is equivalent to an increase in down payment by 10%. " A real estate agent told Southern Weekend that the transaction cost of luxury houses in Shenzhen has reached an alarming level, such as the well-known luxury residential area "Xiangmihu No.1". The cheapest house transaction costs more than one million yuan, and the most expensive one costs more than seven million yuan.
Within a month, the new deal was immediate. According to the data of real estate agency chain company, in April, the transaction volume of second-hand houses in Shenzhen was only over 4,000 sets. Compared with the average monthly turnover of 20 15 1 1000 sets, the average monthly turnover in the past decade is 8000 sets, which can be described as "waist-cutting".
The policy of strong purchase restriction has quickly frozen the Shenzhen property market cooked by fire into a freezing point city with no market value. It was discovered that another wave of upsurge after the skyrocketing property market-"little red book" (real estate license) mortgage cashing has already quietly emerged.
20 15,10 June, Chen Feng, an insider who has studied the Shenzhen real estate market for many years, went to the Land and Resources Bureau to investigate and found that there were more people handling business at the mortgage window than expected, and a hall was full of people. "Because the transfer window next to it is also crowded, I didn't care."
At the end of April, 20 16, when Chen Feng went to the Bureau of Land and Resources for investigation, he found that the delivery window was "suddenly deserted". In contrast, the mortgage window is not only crowded, but also "No.1 is hard to find". "The market is already very cold. Why is the mortgage still so hot? " Only then did she feel "something was wrong".
So, she asked a friend who specializes in mortgage consumer loans in state-owned banks, and the other party told her that the real estate mortgage loan business was "hot" from the fourth quarter of 20 15.
Southern Weekend reporter learned from the crowd of banks and intermediaries that from 2065438 to May 2005, the mortgage business began to increase. "In the first quarter of 20 16, our consumer loans and housing mortgages have completed 280% of the annual tasks." A credit manager of China Everbright Bank told Southern Weekend reporter, "Many people are cashing in their mortgages to invest in buying houses."
"Pick up bamboo shoots" and stir them around.
Every round of Shenzhen's rise to the final outcome is that funds flow to Dongguan, Huizhou and other places, but this year there is another Zhongshan.
The credit manager of a bank in Shenzhen told the Southern Weekend reporter that the "capital use" of the "Red Book" mortgage can be enterprise capital turnover, decoration, purchase of furniture and household appliances, and tourism. But in fact, most of the cash outflows flow to other purposes, such as buying houses, stocks and wealth management products.
Buying a house is a big capital flow, but it is curious that the local property market in Shenzhen has been "frozen" by the purchase restriction policy. So where did the money from the mortgage cash flow to the property market?
The answer is around Shenzhen.
People in the industry refer to the houses sold at low prices because the sellers can't continue to mortgage the houses under the New Deal as "bamboo shoots". According to Chen Feng's observation, many people mortgaged their cash in order to "pick up bamboo shoots". "Since April, some people think that bamboo shoots will appear on the market. They are particularly sensitive to funds and cash out in advance. Once the bamboo shoots appear, they immediately shoot. "
(The above answers were published on 20 16-05- 12. Please refer to the actual situation for the current purchase policy. )
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