Our reporter Li Zheng

　　On April 6, there was news in the market that the down payment for the first home in Yanjiao was reduced to 20%, and the down payment for the second home was reduced to 30%.

On April 7, a reporter from "Securities Daily" called an intermediary store and got a reply: the news is true.

However, the manager of the store also emphasized that only one bank has reduced the down payment at present, and has not received relevant news from other banks.

　　"Yesterday (April 6) we got the news that, in the second-hand housing transaction in Yanjiao area, if the buyer is the first home, they can use a 20% down payment to buy a house; for new houses, as long as there is a project cooperation bank, the first set of 20 % down payment to purchase a house, and 30% down payment for a second suite." The manager of a sales department of Lianjia located in Yanjiao told the "Securities Daily" reporter.

　　Subsequently, the reporter called the customer service number of a bank Hebei Langfang Credit Center mentioned by the above-mentioned manager.

The customer service staff said that on April 6, the credit center did receive a notice to reduce the down payment, but the notice was suspended after only one day of issuance, and it was not really implemented.

　　"In other words, in the second-hand housing market, the down payment for the first home was reduced from 30% to 20% on April 6, and it was changed to 30% on April 7." The customer service staff introduced whether they would make further adjustments in the future. Not sure.

　　In fact, in the process of cyclical fluctuations in the real estate market, there are many cases where individual cities have issued relaxation policies and experienced “one-day tours” and stopped.

But the difference is that the Yanjiao property market's action to reduce the down payment was issued from the bank and then stopped.

What's the motivation behind this?

What signals are released?

　　Song Hongwei, research director of Tongce Research Institute, said in an interview with a reporter from Securities Daily that since the beginning of this year, the situation of lowering the down payment for house purchases has appeared in many places. During the year, it has been in a downturn.

　　According to incomplete statistics, since the beginning of this year, more than 65 cities or regions across the country have issued new policies related to the property market, involving lowering the down payment ratio for home purchases, provident fund loan policies, and loosening restrictions on purchases and sales.

As a key area in the property market around Beijing, Yanjiao's real estate policy has attracted much attention.

　　Song Hongwei believes that in the past two years, the regional market around Beijing has been sluggish, and the investment demand for real estate speculation has been crowded out. the dominant state of rationality.

　　In fact, as Song Hongwei said, compared with the previous two years, the trend of housing prices in the Beijing area has been relatively stable.

According to the above-mentioned manager of the sales department, before the Spring Festival this year, the housing prices in the Beijing area have always been in a low range. Taking Yanjiao as an example, some new houses have been sold at prices lower than those recorded by the Housing Administration.

　　Yan Yuejin, research director of the Think Tank Center of the E-House Research Institute, said in an interview with a reporter from Securities Daily that under the combined effect of regulatory policies and the previous oversupply of new houses, the transaction volume and transaction price of houses in Yanjiao are already at the bottom.

As for whether the Yanjiao property market policy will be loosened in the future, it will be adjusted according to factors such as the regional planning around Beijing and whether it meets reasonable housing needs.

　　Song Hongwei said that it is expected that the Beijing area will maintain the current situation in the short term, and may rebound slightly in the second half of the year due to the impact of favorable macro policies.

(Securities Daily)