Recently, Jia Kang, former director of the Institute of Fiscal Science of the Ministry of Finance, said in an interview with the media that the central areas of the first and second-tier cities should take practical measures as soon as possible in terms of possible cancellation of purchase, loan and price restrictions. The topic has aroused heated discussion on the Internet.
Jia Kang said that after the "recovery" of the first-tier cities represented by Beijing, Shanghai, Guangzhou and Shenzhen, there were some fluctuations in the second quarter, but the overall recovery of the real estate market was unsatisfactory.
He pointed out that at the local government level, some third and fourth tier cities have already adopted some loose policy measures. (First-tier and second-tier cities) In the past, the measures of purchase restriction, loan restriction and even price restriction, which were mainly based on administrative means and had the nature of expedient measures, are obviously out of date. We should cancel all the measures that can be cancelled as soon as possible, and release rigid demand and improved demand.
Hangzhou and Nanjing relaxed the purchase restriction, and Yangzhou cancelled the so-called double-limit
purchase restriction policy, which is based on whether there is a household registration and social security payment to restrict the purchase of houses.
Since Beijing took the lead in implementing the purchase restriction policy in April 2010, local governments have also introduced purchase restriction policies to directly regulate the real estate market from the demand side and crack down on speculative speculation in order to curb the excessive rise of house prices.
In the past few rounds of real estate adjustment cycle, the strengthening or relaxation of restrictive policies such as purchase restrictions has become one of the sharp tools for direct regulation of real estate. Since
this year, the real estate policy environment has continued to be relaxed. According to incomplete statistics, since this year, more than ten cities, such as Yangzhou, Hangzhou, Nanjing, Hefei, Zhengzhou, Shenyang, Xiamen, Wuxi, Wuhan, Changsha, Jinan, Xingyang and Ningde, have optimized
the purchase restriction policy. Subsequently, the purchase restrictions in Xiasha Street and Hezhuang Street in Qiantang District, Linping Street in Linping District, Zhongtai Street in Yuhang District and Pingyao Town were relaxed. So far
, in addition to the main urban area of Hangzhou, Qiantang District, Fuyang District and Linping District have realized the relaxation of purchase restrictions; some areas of Xiaoshan District and Yuhang District have been relaxed; Linan District has been unrestricted. In May
this year, the restrictions on buying houses in Nanjing were loosened again, mainly for some streets in the main urban area of Nanjing and Jiangbei New District. In the main urban area, Nanjing Hukou buyers, no matter how many apartments they have, can buy another one in the industrial agglomeration area (proposed last year when Nanjing relaxed its purchase restrictions). The two-year retroactive period for divorce is cancelled. In some areas of Jiangbei New Area, foreigners are not restricted to buy houses.
The industry believes that this "district-specific policy" measure will be a new attempt to relax the purchase restrictions in new first-tier cities and even first-tier cities. The new policy
of Yangzhou real estate market is generally considered to be a "strong signal". We have done related reports before. Since
July 1st, Yangzhou has cancelled the policy of restricting purchase and sale. Will Hangzhou follow up?
On June 25, Yangzhou Housing and Construction Bureau announced that from July 1, the purchase of improved housing in urban areas will no longer implement the purchase restriction policy, and the original housing will no longer implement the sale restriction policy, which is valid for one year. Since February this year, Yangzhou has once again adjusted and optimized the property market policy. After two adjustments, the policy of restricting purchase and sale in Yangzhou has been basically liberalized.
Xiamen is a city that relaxes both purchase restrictions and sales restrictions. In March this year, according to a number of media reports, in terms of purchase restrictions, single people with Xiamen household registration can buy a second set of housing, and families with more than two children with Xiamen household registration can buy a third set of housing; in terms of sales restrictions, from the past two years from the date of getting the property right certificate, it is adjusted to two years from the date of signing online. The
industry believes that some first-tier and new first-tier cities adopt restrictive policies such as "one district, one policy" to optimize the purchase restriction of the real estate market, which promotes the de-inventory of non-core areas. It does not affect the stability of housing prices in the core areas, which is worth learning from more cities.
First-tier cities have also tried to adjust the purchase restrictions.
In March, Shenzhen announced that the Shenzhen-Shantou Cooperation Zone would liberalize the purchase restrictions and suspend the implementation of the purchase restrictions on commercial housing for natural persons, that is, without providing a certificate of no housing. In April, Beijing announced plans to pilot the purchase support policy for families with many children and families with balanced work and housing in Fangshan; Fangshan District issued the support measures for attracting and gathering talents, and implemented preferential policies such as the introduction of settlements and housing security.
In addition, many real estate regulation policies have been introduced, in addition to relaxing purchase restrictions and lowering interest rates, the favorable policies of the real estate market also include relaxing sales restrictions, granting housing subsidies, provident fund policies and so on.
Experts pointed out that in addition to reducing the mortgage interest rate, the down payment ratio of house purchase is a key variable that directly affects the cost of house purchase, even greater than mortgage interest rate itself. "In the current situation of weak willingness of home buyers to enter the market, it is very important to reduce the down payment ratio of house purchase or reduce the pressure of down payment of house purchase."
Therefore, some places can also carry out innovative pilot projects of low down payment for specific groups, specific housing, specific stages and specific cities. In addition, it is suggested that the second suite can also enjoy the preferential purchase policy of the first suite.
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