On May 23, after Jinan officially implemented three new policies for property market regulation, Jinan housing and Urban Rural Development Bureau "added" three new measures that evening. The fast frequency is also rare in this round of "deregulation" movement of the national property market.
Compared with the first three policies, the three newly added policies are more powerful. In addition, the two rounds of real estate market regulation and control policies have greatly stimulated the enthusiasm for the sale of second-hand houses in Jinan. The store manager of a large chain real estate agency told the reporter of securities times · E Company . Within one day on the 23rd, the number of second-hand houses on the background of the institution system surged by more than 4000 sets
the down payment ratio of commercial loans for second home decreased to 40%
According to the news released on the official website of Jinan Municipal Bureau of housing and urban rural development, three new measures will be implemented from May 24, including the purchase of an additional house for eligible families with more than two (including) children, the optimization of the purchase conditions for non registered residence families in the city, and the down payment ratio of commercial loans for second homes reduced to 40%.
Specifically, one is to support the reasonable housing needs of elderly care and families with many children. For registered residence families in Jinan, if the total number of family houses in the restricted area is two or less, and there are parents who have returned to their parents for the elderly and have obtained a residence permit for more than 6 months, they can purchase an additional commodity house in the restricted area; If the family has more than two (including) children (the children have obtained the registered residence of the city, of which at least one is a minor), an additional set of commodity housing can be purchased in the restricted area.
The second is to optimize the conditions for non registered residence families to purchase houses. Non registered residence households in the city are restricted to purchase one house in the purchase restricted area of the city, and the payment of individual income tax or social insurance in Jinan is adjusted from "two consecutive years in recent three years" to "one consecutive year in recent two years"; Property buyers with bachelor degree or above shall pay social insurance continuously from "more than 6 months" to "more than 3 months".
Third, optimize individual house purchase credit policy. According to the research on the self-discipline mechanism of market interest rate pricing in Shandong Province, registered residence families in Jinan City are restricted to purchase 2 sets of houses within the purchase restriction area of Jinan City, and the down payment ratio of commercial loans for the second set of houses is adjusted from 60% to 40%. If a family with registered residence in this city has no housing in this city, no matter whether it has a previous loan record or not, the application for a loan to purchase a housing shall be regarded as the first housing loan. The down payment ratio of loans for non registered residence households in the city was adjusted from 60% to 30%.
According to the three property market adjustment policies released by Jinan earlier (implemented since the 23rd), the maximum loan amount for the first house to apply for housing provident fund loan will be increased by 50000 ~ 100000 yuan, and the maximum loan amount for dual worker families will be increased to 700000 yuan; The restrictions on the sale of real estate listed transactions shall be adjusted by obtaining the real estate property right certificate for two years, and the houses in the limited purchase area can be traded with the certificate for two years; Changqing District and Zhangqiu district will no longer be included in the scope of purchase restriction.
Jinan Municipal Bureau of housing and urban rural development said earlier that the moderate adjustment of the real estate market regulation policy aims to better release the reasonable housing demand and reduce the pressure of home buyers, which is of positive significance to further promote the virtuous circle and healthy development of the real estate market.
second-hand house prices may stabilize, and the transaction volume of new houses will increase significantly
What is the impact of the new deal on the future house prices in Jinan?
The above-mentioned intermediary manager analyzed to the reporter of the securities times · e company, "for second-hand houses, the price rise may not be immediate, but it will certainly not fall again. In terms of new houses, the transaction volume will be greatly improved, especially the improved new houses." At the same time, the manager also believes that the price increase of new houses will not be too large, "because now developers have great financial pressure, they will first use this policy to a batch of inventory."
The reporter noted that according to the recently released changes in the sales prices of commercial houses in 70 large and medium-sized cities in April, there have been eight consecutive declines in second-hand houses in Jinan, and the prices of new houses have been reduced again after four months. The anjuke data showed that in May, the average price of second-hand houses in Jinan was 15592 yuan / m2, down 0.84% month on month; The average price of new houses was 14549 yuan / m2, an increase of 2.31% month on month.
The new policies of the real estate market issued one after another have stimulated the enthusiasm of citizens in Jinan for the sale of second-hand houses. The intermediary manager told reporters that in the backstage of the agency system, the number of second-hand houses surged by more than 4000 in one day, and the stock exceeded 62000. This number is more than twice the number of backstage houses in the hot period of the real estate market in 2017 and 18.
During a recent visit, the reporter learned that before the introduction of this round of new policies, most local buyers in Jinan were in a wait-and-see state, and the transactions were mainly new houses. The transaction volume of second-hand houses was dismal. The transaction ratio between new houses and second-hand houses was about 8:2, compared with about 7:3 last year "Since the beginning of this year, everyone has been waiting for the emergence of the 'bottom of the policy', coupled with the impact of the epidemic, the number of House visitors has decreased significantly." A shell intermediary manager in Jinan told reporters that even if the houses ranked at the top recently, the number of people looking at the house is only double-digit, and there are fewer or even no people looking at the house after the ranking test.
In addition, in recent years, the sales cycle of second-hand houses in Jinan has also been lengthened. Many sellers told reporters that their second-hand houses have been generally hung online for nearly two years, and prices have been reduced for many times during this period, with a reduction range of more than 300000 yuan. And many homeowners are even willing to pay 1% more intermediary fees to sell the house.
It is worth noting that since this year, at least 9 cities in Shandong Province, including Yantai, Dezhou and Linyi, have issued property market regulation policies, mainly including reducing the proportion of down payment for house purchase, relaxing sales restrictions and increasing the maximum amount of provident fund loans. As one of the leading cities in Shandong Province, Qingdao has no city wide property market adjustment policy, and the industry has paid more attention to the subsequent "deregulation" of the property market.
