The proportion of deposit paid in the bidding for the use right of state-owned construction land shall be implemented according to the minimum standard, financial institutions shall be encouraged to provide loan support to high-quality real estate enterprises with difficulties in merger and acquisition, and the proportion of down payment for second set of housing shall be reduced to 30%
recently, Lanzhou municipal government issued several measures for Lanzhou to implement the strategy of strengthening the provincial council and further optimize the business environment (No. 1) (hereinafter referred to as "measures"). Specifically, the measures issued a total of 20 specific implementation opinions aimed at reducing the burden on real estate enterprises and further stimulating the vitality of the real estate market
"The property market deregulation in Lanzhou is still relatively strong, which is comparable to the recent favorable real estate policies issued in many places across the country, and some aspects are even stronger." A person familiar with the real estate market in Lanzhou told reporters that from the signal disclosed in the measures, Lanzhou has relaxed from "developers taking land" to "buyers buying a house".
local auction and loan policies are now favorable, and the capital pressure of real estate enterprises may be effectively relieved
The reporter noted that in addition to optimizing approval and accelerating project development and construction being included in the agenda, the specific measures proposed in the measures in terms of "local auction" and loans may further alleviate the financial pressure of real estate development enterprises.
first of all, in order to reduce the burden on real estate enterprises, the measures propose to reasonably determine the payment proportion of bid security for transferring the use right of state-owned construction land from April 1, the right to use state-owned construction land will be transferred by means of bidding, auction or listing. The bidding deposit will be executed according to the specified minimum proportion (20% of the initial listing price), and the remaining amount will be paid within one year after the signing of the contract for transferring the right to use state-owned construction land.
"The intensity of reducing the payment proportion of bidding deposit to 20% is still quite large." The person in charge of Gansu Branch of a front-line real estate enterprise told reporters that previously, the proportion of Lanzhou state-owned land auction deposit was about 50% of the initial listing price, and some projects even need to pay a higher proportion of auction deposit.
Indeed, at the end of 2021, according to the public transfer announcement of a state-owned construction land in Anning District, Lanzhou, the parcel numbered g2126 covers an area of 231504 square meters, the starting price is about 280 million yuan, and the interested party needs to pay a bidding deposit of 200 million yuan to participate in the bidding. Simple calculation shows that the proportion of deposit paid for the auction of the plot has exceeded 70% of the initial listing price.
secondly, the property market "deregulation" measures in Lanzhou have adjusted the land transfer price and the payment period of reserved land compensation in terms of specific measures, it is proposed that for projects or enterprises that are publicly traded after January 1, 2021, have signed the state-owned construction land use right transfer contract and paid the first phase of the transfer price in full, the payment time of the remaining funds can be appropriately extended after approval, and the extension period can not exceed 6 months at most.
It should be noted that although the "welfare" of the policy is clearly only used for projects or enterprises that have failed to pay the land transfer price or reserve land compensation within the agreed time limit due to the implementation of urban public infrastructure, affordable housing projects, environmental protection, etc. or financial difficulties caused by the epidemic, some real estate developers told reporters that the projects traded in Lanzhou since January this year have been basically affected by the epidemic, It is expected that relevant enterprises can enjoy the policy of "delaying land payment for half a year".
In addition, the measures proposed to increase project loan support, encourage financial institutions to carry out M & A loans in a stable and orderly manner, and focus on supporting high-quality real estate enterprises to merge and acquire difficult real estate enterprises. In order to better "encourage" banks to provide loans to high-quality real estate enterprises, the measures and opinions said that they would give priority support to financial institutions that support development loans and reduce the interest rate of personal mortgage loans in terms of new government financial deposits and fund accounts.
restrictions on sales were relaxed, the proportion of down payment for second homes was reduced from 50% to 30%, and the purchase threshold was further reduced
While reducing the burden for real estate enterprises, Lanzhou is also adjusting the original policies in terms of reducing the purchase threshold, relaxing the purchase policy and further stimulating the vitality of the real estate market.
Put forward measures to reduce the threshold of individual housing purchase individuals shall purchase the first set of housing through commercial banks and provident fund loans with a minimum down payment ratio of no less than 20%, and the second set of housing with a minimum down payment ratio of no less than 30%. At the same time, in order to reduce the burden of personal housing consumption, the measures proposed to increase the issuance of personal housing mortgage loans. For families who have a set of housing and have settled the house purchase loans, in order to improve their living conditions and apply for loans again to buy housing, financial institutions should implement the first house loan policy.
According to the previous purchase policy of Lanzhou, the Lanzhou municipal government issued the supplementary notice of Lanzhou Municipal People's Government on Further Strengthening the regulation of the real estate market on August 25, 2017, which mentioned that the down payment proportion of households applying for commercial personal housing loans to buy the first house should not be less than 30%, The second set is 50% (for those who have owned one set of house without house purchase loan record or the corresponding house purchase loan has been settled) and 60% (for those who have owned one set of house and the house purchase loan has not been settled).
in terms of provident fund policy, the latest measures clearly increase the support of housing provident fund. Individuals buy houses through provident fund loans. The maximum amount of provident fund loans is Shanghai Pudong Development Bank Co.Ltd(600000) yuan for single employees and 700000 yuan for double employees comprehensively implement the combined loan of "Provident Fund + Commercial Bank", expand the online channel of "repayment of loan", and reduce the pressure of employees on house purchase repayment.
in terms of supporting the housing needs of filial piety and elderly care, the measures propose to support adults working and living in Lanzhou who need to bring their parents and other close relatives living in other places to Lanzhou to live, and allow their families to buy a new set of housing in the purchase restricted area. Families with two or three children in line with the national fertility policy are allowed to buy a new set of housing in the purchase restriction area
A real estate agent told reporters that the "good" policy means that Lanzhou will release registered residence restrictions, and the purchase threshold of foreign buyers will be greatly reduced.
According to the statistics of real estate market network, the average price of new houses in Lanzhou in March this year was 9621 yuan / m2, the same as last month; The average price of new houses in the main urban area of Lanzhou was 12327 yuan / m2, a decrease of 0.08% compared with the previous month; The average price of second-hand houses was 12243 yuan / m2, down 1.4% from the previous month.
A real estate enterprise in Gansu told reporters that since 2022, the average price of new houses in Lanzhou has been kept below 10000 yuan. Combined with the impact of the epidemic, the property market has generally shown a "relatively cold" state.
With the introduction of the property market "deregulation" policy, the vitality of Lanzhou real estate market is expected to be improved.
"The development pressure of developers is reduced, and the purchase threshold of buyers is reduced." Relevant people in Lanzhou said that adhering to the principle of "housing without speculation", the public supporting facilities of new houses and second-hand houses in the market will be continuously improved, and people's living conditions will be further improved, which is of positive significance to stimulate the vitality of Lanzhou real estate market.
\u3000\u3000
