Extend the implementation period of the loan support plan, guide banks to adjust the interest rate of individual housing loans in stock, and further implement the policy of "recognizing houses without recognizing loans". Recently, the relevant departments have frequently voiced their voices, and the real estate policy has been continuously optimized and adjusted. What signals do these new policies release? What impact will it bring? & nbsp; & nbsp;
Optimizing policies to support rigid and improved demand & nbsp; & nbsp; "The down payment ratio of the second suite has been reduced to 40%, the interest rate has been reduced to 4.8%, the amount of our couple's provident fund loan has been increased to 1 million yuan, and the tax has been refunded by 40000 yuan.." Mr. Zhao, a Nanjing citizen who recently purchased a set of 120 square meters of improved housing, gave reporters a detailed account of the many preferential policies enjoyed. Since the beginning of
this year, local governments have continued to optimize real estate regulation policies, from optimizing the policy of restricting purchase and sale to lowering the minimum down payment ratio, from granting housing subsidies to strengthening the policy support of provident fund, from housing deed tax subsidies to second-hand housing "transfer with mortgage".. The continuous optimization and adjustment of the real estate policy has strongly supported the rigid and improved housing demand.
This is also reflected in the credit data: in the first half of the year, the total amount of individual housing loans issued was 3.5 trillion yuan, more than 510 billion yuan more than same period last year; in June, the interest rate of individual housing loans was 4.11%, down 0.51 percentage points from the same period last year.
In the medium and long term, China's real estate market is shifting from the past high-speed development to steady development. At the meeting of the Political Bureau of the Central Committee of the Communist Party of China held on July 24, it was proposed that in order to adapt to the new situation of major changes in the relationship between supply and demand in China's real estate market, the real estate policy should be adjusted and optimized in a timely manner, and the policy toolbox should be well used according to the city.
Recently, the Ministry of Housing and Urban-Rural Development said that it would further implement policies and measures such as "recognizing the house without recognizing the loan" for individual housing loans; the State Development and Reform Commission said that it would strengthen policy reserves in terms of better meeting the rigid and improved housing needs of residents. "
Considering that the relationship between supply and demand in China's real estate market has undergone profound changes, there is room for marginal optimization of the policies introduced in the past during the long-term overheating stage of the market." Zou Lan, director of the monetary policy department of the People's Bank of China, said. The
People's Bank of China (PBOC) made it clear when deploying the work in the second half of the year that it would implement differentiated housing credit policies precisely according to the city, continue to guide the downward trend of individual housing loan interest rates and down payment ratios, and better meet the rigid and improved housing needs of residents. To guide commercial banks to adjust the interest rate of individual housing loans in an orderly manner according to law.
"Practical measures should be taken as soon as possible from the demand side to better meet the rigid and improved housing demand, which will help stabilize and boost residents' housing consumption." Dong Ximiao, chief researcher of Zhaolian Finance, said that the relevant departments put forward clearer requirements, responded to the market voice and sent a positive signal. & nbsp; & nbsp;
Some local governments "test the water" to promote the implementation of policies & nbsp; & nbsp; Recently, policy orientations such as adjusting the interest rate of individual housing loans in stock, "recognizing the house without recognizing the loan", and improving the tax and fee relief for housing purchase have become the focus of market attention. Under the encouragement and guidance of relevant departments, some local governments and institutions have responded positively.
Beijing, Shenzhen, Guangzhou, Shanghai and other first-tier cities have voiced their support for residents' rigid and improved housing demand in light of their own real estate conditions. Henan Zhengzhou, Guangxi Wuzhou and other places to optimize the number of housing units identified standards, Jiangsu Zhenjiang, Yangzhou, Suzhou and other cities introduced preferential tax policies for house purchases.
Buyers are also full of expectations for the adjustment of real estate financial policies. A senior broker at a Mei Kailong Aijia store in Jinqiao District, Pudong New Area, Shanghai, told reporters that the number of customers who came to the store to consult the policy had increased significantly recently, and they generally paid special attention to the policy of reducing the down payment ratio and loan interest rate. Yan Yuejin, research director
of E-House Research Institute, believes that "recognizing houses without recognizing loans" is conducive to activating the housing replacement chain and activating market transactions. Reducing the interest rate of some stock mortgage loans will help to reduce residents'prepayment and illegal "lending" behavior, and boost residents' willingness and ability to expand consumption. & nbsp; & nbsp;
Dong Ximiao believes that in response to the adjustment of the stock mortgage interest rate, the central bank's recent statement has changed from "support and encouragement" to "guidance", which sends a more positive signal and will be conducive to accelerating the policy landing.
To meet the reasonable financing needs of real estate enterprises and consolidate the stabilization and recovery of the real estate market, we should not only boost the housing consumption of residents, but also meet the reasonable financing needs of the real estate industry. In Changsha at the beginning of
August, the sun was scorching like fire. Reporters in Zhengrong Binjiang Ziquetai Building saw that workers were carrying building materials in and out, the installation of entrance doors, railings and doors and windows was being completed, and the landscape projects in the community were also progressing in an orderly manner.
"Due to cash flow shortage, the project has been suspended several times since December 2021.". At the end of last year, after the landing of the "Sixteen Financial Articles" policy, Zhengrong Real Estate, with the help of the special class for the work of guaranteeing the delivery of buildings, obtained 124 million yuan of special loan support for guaranteeing the delivery of buildings, quickly realized the resumption of the project and ensured the delivery progress. The person in charge of the project told reporters. In November
last year, the financial management department issued 16 policies and measures to support the steady and healthy development of the real estate market, maintain the stability of key real estate financing channels, and vigorously promote the resumption of construction projects around the country. In the first half of this year, development loans increased by more than 420 billion yuan, an increase of about 200 billion yuan over the same period last year. The
financial management department has recently extended the applicable period of the relevant policies of the "Sixteen Financial Articles" and the implementation period of the loan support plan for guaranteed delivery, so as to guide banks to continue to extend the stock financing of real estate enterprises and increase the financial support for guaranteed delivery. Recently, the People's Bank of China held a symposium on financial support for the development of private enterprises, and the principal leaders of several housing enterprises were invited to attend. The meeting stressed that financial institutions should meet the reasonable financing needs of private real estate enterprises. Wen Bin, chief economist of Minsheng Bank of
China, believes that with the implementation of a series of financial support policies, the cash flow of high-quality real estate enterprises will be more guaranteed, the delivery of buildings will be steadily promoted, and the risks will tend to converge. After risk clearance, the industry will gradually enter a benign development track.
In order to actively respond to the national environmental protection policy and implement the concept of green and low-carbon development, China Cement Network will hold the "2023 Cement'Double Carbon 'Conference and the 10th China Cement Energy Conservation and Environmental Protection Technology Exchange Conference" in Zhengzhou, Henan Province, from September 12 to 13, 2023. The cement industry is moving towards a low-carbon, more energy-saving and greener high-quality development.
At the same time, the medal ceremony of "2023 Advanced Enterprises of Double Carbon" in Cement Industry and the "Double Carbon" Equipment Exhibition will be held. After the meeting, we will also organize a visit to Jiyuan Zhonglian Cement Co., Ltd. "The world's first production line of carbon sequestration auxiliary cementitious materials and low-carbon cement from flue gas CO2 of steel slag capture cement kiln".
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