The Paper Journalist Liu Chang

　　On October 15th, the Wuxi Housing Provident Fund Management Center of Jiangsu Province issued the "Notice on Adjusting the Second Set of Housing Provident Fund Personal Housing Loan Interest Rates". Implementation of 1.1 times the interest rate of personal housing loans of housing provident fund.

The first housing provident fund loan interest rate will be implemented according to the benchmark interest rate. The current provident fund loan interest rate is 2.75% for 1-5 years and 3.25% for 6-30 years.

　　Li Xiaoxiao, a senior analyst at Tongce Research Institute, believes that the supply and demand of Wuxi's property market is imbalanced. The adjustment of the provident fund loan policy is aimed at improving the targeted regulation of hot market sales.

　　"In 2019, due to the large number of customers buying houses in unrestricted areas, the amount of the provident fund is relatively tight. Wuxi has implemented a policy operation of lowering the provident fund loan limit and increasing the payment period for applying for a provident fund loan." He said, from a market perspective, 2020 (1-9) The total supply in the Wuxi market was only 84.3% of the same period in 2019, while the transaction volume was 92.6% in the same period last year. The six-month mobile supply-demand ratio in the Wuxi market dropped from 1.18 in March 2020 to August 0.76, which is the lowest in the past three years, and the pressure on the imbalance between supply and demand in the market is greater.

From the perspective of the transaction structure, the market will focus on low-priced properties in areas with no purchase restrictions in 2019. In 2020, the sales of improved properties in Wuxi restricted areas with an average price of more than 20,000 yuan will be hot, and the corresponding customers are improved customers who purchase two or even three sets. .

　　On September 25, 2019, the Wuxi Housing Provident Fund Management Center issued the "Opinions on Further Standardizing and Improving Our City’s Housing Provident Fund Policies", which stipulated that within 12 months after the same housing has been withdrawn from the housing provident fund, if there is another transaction The housing provident fund loan is issued to the paying family of employees who purchase the first owner-occupied house and the second owner-occupied house, and the payment of housing to the family of paid employees who purchase the third or above house is stopped. Provident fund loan; when the employee family buys the first self-occupied house in the administrative area of ​​Wuxi City to apply for a housing provident fund loan, the down payment ratio shall not be less than 20% of the total price of the house; buy the second owner-occupied house to apply for housing provident fund loan, the down payment ratio shall not be less 40% of the total house price.

　　The implementation of the loan line is linked to the loan applicant’s provident fund payment period and the payment balance: (1) If the employee has paid and deposited the housing provident fund on time and in full for less than 24 months, the loan amount is calculated at 5 times the payment balance; 2) If the employee has paid and deposited the housing provident fund on time and in full for 24 months but less than 36 months, the loan amount will be calculated at 7 times the payment balance; (3) The employee has paid and deposited the housing provident fund on time and in full for 36 months. For months, the loan amount is calculated at 10 times the deposit balance.

　　Since November this year, Xuzhou City, which also belongs to Jiangsu Province, has proposed eight policies, including adherence to the "one district, one policy" precise regulation, no adjustments in the filing prices of commercial residential buildings within one year, and no compulsory upgrades to house buyers.

The record price of newly-built commercial housing in the urban area of ​​Shaoxing, Zhejiang Province implements the "dual record" system. The price record of newly opened projects must take into account the price of other similar houses in the same area or "land price + cost" and other factors. Higher than the price of commercial housing for the first time.

　　Industry insiders believe that in the fourth quarter of this year, a stable property market is still the main tone.

According to the statistics of the Shell Research Institute, from July 1 to September 30 this year, 44 provinces and cities across the country have introduced real estate-related policies 67 times. Among them, Changzhou, Shenyang, Hangzhou, Dongguan, Wuxi, Shenzhen, Nanjing, Ningbo, Dalian, The 14 cities of Chengdu, Maanshan, Shiyan, Tangshan, and Yinchuan have issued restrictions on sales and purchases to regulate the development of the real estate market, and raise the threshold for loans and real estate resale to prevent overheating of the market and further combat investment demand.