Original title: in the fourth quarter, there were 13 new policies on purchasing houses, and the war of robbing people continued to escalate
Since the fourth quarter of sihai.com, a number of provinces across the country have introduced new policies for purchasing houses. In November, the number of policy adjustments in the real estate market set a new record. In November, the property market in some cities recovered. From the perspective of the new regulations, it can be found that the fierce "war of robbing people" has played a very important role.
According to the statistics of Zhongyuan Real Estate Research Center, there were 72 times in the whole country in that month, compared with 20 times in the same period last year. Since the fourth quarter, Heilongjiang, Zhejiang, Jiangxi, Shanghai, Tianjin, Shenzhen, Guangzhou, Foshan, Chengdu, Xi'an, Nanjing, Ningbo, Maanshan, Changsha and other places have made regulations on talent policies, housing purchase and sales behavior.
Policy optimization and land adjustment
On December 4, new changes occurred in the regional purchase restriction policy of Chengdu real estate market. Households with the purchase qualification of high tech south zone can purchase their houses in 7 districts of Chengdu, including Tianfu new area, hi tech West Zone, Jinjiang District, Qingyang District, Jinniu District, Wuhou District and Chenghua District. However, households with the above-mentioned seven regional purchase qualifications are still unable to purchase houses in the high-tech south zone. At the same time, households with the qualification of purchasing houses in Tianfu new area can purchase their houses in six areas, including high tech West Zone, Jinjiang District, Qingyang District, Jinniu District, Wuhou District and Chenghua District. Households with the above-mentioned qualifications can also purchase houses in Tianfu new area.
In order to solve the remaining problems arising from the freezing of the real estate market, the Shenzhen Shantou Special Cooperation Zone has made it clear that the total number of commercial housing and business apartments held by residents' families in the cooperation zone shall not exceed 2, and the total number of commercial housing and business apartments held by adult single persons (including divorced) in the cooperation zone can only be one. Residents who purchase commercial housing and business apartments in the cooperative zone shall be prohibited from transferring within 5 years from the date of obtaining the real estate right certificate.
As for the unfreezing policy, Zheng shulun, managing director of Shenzhen Zhongyuan Real estate, said that Shenzhen Shantou Special Cooperation Zone will definitely attract Shenzhen people to buy over the border. This policy has great attraction for Shenzhen registered customers to buy. Moreover, the price is at an absolute low level, which is obviously lower than that in Dongguan, Huizhou and other deep-seated areas.
In addition, Foshan also mentioned that it plans to optimize the policy of purchase restriction and loan restriction, and implement policies according to local conditions and the city.
Li Yujia, chief researcher of Guangdong housing policy research center, believes that the future policy may be slightly loose. From the perspective of stabilizing land price, housing price and expectation, the policy should intervene in advance to prevent the obvious decline of the market.
The Economic Daily quoted experts as saying that the recent fine-tuning of property market policies in various regions is based on their own situation. When the property market has an excessive upward trend, local governments will carry out corresponding restraint. When there is a sharp downward trend, supporting measures will also be introduced to promote the stability of the real estate market.
Control: land acquisition for loans is prohibited, and the selling price shall not be higher than the record price
In terms of real estate sales, the four places have made regulations on payment process, record price and land acquisition qualification of real estate enterprises.
According to Jiangxi regulations, if real estate development enterprises or intermediary agencies are entrusted to sell newly-built commercial houses, warning columns shall be set up to warn buyers clearly: real estate development enterprises and intermediary institutions shall not advance down payment for house buyers, shall not induce buyers to pay down payment through financing of other institutions in any form, and shall not organize crowdfunding to purchase houses; Real estate development enterprises are not allowed to sell commercial houses with the cost returned or in disguised form; they are not allowed to sell commercial houses by means of after-sale charter or disguised after-sale charter.
Heilongjiang requires all localities to establish a review system of development and land purchase funds to ensure that real estate development enterprises use their own funds to purchase land for development projects. Before participating in the bidding, auction and listing of land for commercial housing development and construction, real estate development enterprises should submit a letter of commitment, which promises that the land purchase funds are self owned funds in compliance with regulations, and the sources of which are not financial loans and capital market financing, etc., and state that if the commitment is not true, it will voluntarily give up the bid winning qualification of development land.
According to Ma'anshan, the selling price of commercial housing for new record items shall not be higher than the record price or lower than 10% of the record price. If the selling price (actual transaction price) of commercial housing of the new record project is lower than 10% of the record price, the municipal real estate administrative department shall not handle the online filing of commercial housing sales contract. It is necessary to re register the sales price and meet the sales price regulations before online filing of commercial housing sales contract.
Ningbo requires that the supervision of pre-sale funds of commercial housing and transaction funds of stock houses be upgraded, and the down payment, installment payment, one-time payment, bank mortgage loans and housing provident fund loans shall be deposited into the supervision account of pre-sale funds. In the process of providing brokerage services, real estate brokerage institutions and their employees shall not collect agency service fees in the name of fund supervision or loan approval, or appoint regulatory banks without the consent of both parties.
Grabbing: talent policy blowout in November
Zou Linhua, head of the housing big data project of the Institute of financial strategy, Chinese Academy of Social Sciences, believes that at present, the number of cities with partial policy fine-tuning is gradually increasing, but it will not affect the policy keynote of the real estate market.
Zhang Dawei, chief analyst of Zhongyuan Real estate, believes that some cities have begun to use talent policies to adjust house purchasing qualifications, which is the main reason for the highest number of policy adjustments in November this year.
According to the statistics of the Central Plains real estate research center, more than 20 cities in China issued various types of talent attraction policies in November, including nearly 10 cities such as Foshan, Nanjing, Shanghai, Chengdu, Zhongshan and so on, which have contents related to talent purchase qualification and purchase subsidy.
Among them, it is the first time for Nanjing to issue a special document to open up a priority channel for talent purchase. Compared with the previous high-level talent purchase method of commercial housing in 2020, the main changes of the "measures for people to buy commercial housing in Nanjing City (for Trial Implementation)" are that all kinds of talents are applicable, and talents from government and public institutions are included in the policy scope for the first time; the marketable commercial housing in the city is provided with talents first; and the purchase of houses by talents is the top priority, and the housing selection is in the order of talents priority and progressive progress of other buyers.
In addition, Foshan has also made it clear that the talents who are identified as "a card", "B card", "C card" and "t card" in Foshan can enjoy the housing policy of Foshan registered population. For those who work in Foshan City and have bachelor's degree or above or intermediate or above professional qualification, the first house purchase is not subject to the restrictions of household registration, personal tax and social security. Specific operation guidelines will be formulated separately.
"From the national point of view, the most prominent feature of the property market policy in 2019 is the frequent occurrence of talent policies. Most cities' talent policies are related to housing policies, and talent policies become the window of real estate regulation. "Zhang Dawei said that since this year, more than 160 cities across the country have issued various talent policies, an increase of more than 40% compared with the same period in 2018.