Securities Times reporter Zhang Da

  Another hot city has joined the list of relaxed purchase restrictions.

On April 12, a Securities Times reporter learned from the real estate management departments of Lishui District and Liuhe District of Nanjing that the purchase restriction policies in these two districts have been optimized, and foreigners do not need to provide proof of social security when purchasing their first home, which means that the two districts in Nanjing do not need to provide proof of social security. purchase restrictions have been relaxed.

On the same day, it was reported that four places including Xianning, Jingmen, Huangshi, and Yichang in Hubei lowered their mortgage interest rates, with the largest reduction reaching 56 basis points.

If the above-mentioned 4 cities have lowered their mortgage interest rates, since April, 14 cities have loosened their home purchase policies, involving purchase restrictions, loan restrictions, sales restrictions, provident fund loans, and mortgage interest rates.

  Some people in the industry believe that the strength and scope of the real estate policy loosening has expanded significantly this year. Suzhou and Nanjing have loosened purchase restrictions or become the policy vane of the property market in hot cities. ” (purchase limit, loan limit, sale limit, price limit).

  Two outer districts of Nanjing relax purchase restrictions

  On April 12, in response to the rumors that Nanjing had lifted purchase restrictions, a reporter from the Securities Times asked the Nanjing Housing Security and Real Estate Bureau for verification.

Relevant staff told reporters that the purchase restriction policy in the main urban area of ​​Nanjing has not changed, and foreigners still need a 24-month social security certificate within 3 years to purchase their first home.

Subsequently, the reporter called the real estate management departments of Lishui District and Liuhe District of Nanjing City. The relevant staff all said that the purchase restriction policy is being optimized, and foreigners do not need to provide proof of social security when purchasing their first home.

  Among them, the relevant staff of the Housing Security and Real Estate Bureau of Liuhe District said that when foreigners buy houses in Liuhe District, married people need to provide the ID cards of both husband and wife, marriage certificate, household registration book, birth certificate and household registration book of minor children; unmarried people need to provide Provide an ID card and a household registration book, and you can open a house purchase certificate in Liuhe District, but the premise is that you cannot have a house in the urban area of ​​Nanjing.

  The relevant staff of the Housing Security and Real Estate Bureau of Lishui District also said that when foreigners open a house purchase certificate in Lishui District, married people need to provide the ID cards of both husband and wife, marriage certificate, household registration book, birth certificate and household registration book of minor children; unmarried people ID card and account book are required.

"I brought the materials over to the system to see, and the system will pass as long as it can," she said.

  Previously, Nanjing's overall housing policy stipulated that foreigners who purchased their first home must provide proof of social security for a total of 24 months within 3 years.

Nowadays, when foreigners buy houses in Liuhe District and Lishui District, they only need to provide information such as ID card and household registration book, and no social security certificate is required.

  In this regard, Li Yujia, a senior researcher at the Guangdong Provincial Housing Policy Research Center, said that Nanjing, as a hot city, the move to loosen the purchase restrictions in the two outer districts this time represents the situation of this type of urban policy adjustment.

At present, the regulation of hotspot cities is required to follow the state of "doing something and not doing something". This time, Nanjing will first release the external demand, gradually increase the volume of the market, guide expectations, and then observe the situation of the epidemic, market expectations and Purchasing power recovery, proceed to the next step.

In general, the loosening of the periphery of hot cities is an inevitable trend.

  Hotspot cities join the untethering force

  More and more cities have introduced new policies for the property market.

A Securities Times reporter found that since April, Quzhou, Qinhuangdao, Dalian, Mianyang, Lanzhou, Lishui, Taizhou, Anshun, Suzhou, Nanjing, Xianning, Jingmen, Huangshi, Yichang and other 14 cities have loosened their purchase policies, involving purchase restrictions, Loan restrictions, sales restrictions, provident fund loans, mortgage interest rates, etc.

  Among them, on April 1, Quzhou canceled the purchase restriction policy and loosened the sales restriction policy at the same time, becoming the first city in the country to relax the "two restrictions" at the same time.

  The Quzhou Municipal Bureau of Housing and Urban-Rural Development stated that the main reason for the introduction of the new policy is to support the commercial housing market to better meet the reasonable housing needs of buyers, and to promote a virtuous circle and healthy development of the urban real estate industry.

  On April 5, Lanzhou introduced a number of measures to stabilize real estate and relaxed policies such as purchase restrictions and loan restrictions, including lowering the threshold for personal purchases, with a minimum down payment ratio of 20% for the first home loan and 30% for the second home loan; reducing the burden of personal housing consumption, For the purchase of a second home after the loan is settled, the first home loan policy shall be followed; for the demand for filial and elderly care housing, the regional purchase restriction policy shall be relaxed, etc.

  On April 11, Suzhou's sales restrictions and purchase restrictions were relaxed.

Among them, the 5-year limit on the sale of second-hand houses has been adjusted to 3 years, and the limit on the sale of new houses remains unchanged; if a foreigner buys a house in Suzhou, the social security (personal tax) can be accumulated for 2 years, and it is no longer necessary to pay for 2 consecutive years within 3 years.

  In addition, Mianyang, Lishui, Anshun and many other places have adjusted their provident fund policies.

Chen Wenjing, market research director of the Index Division of the China Index Research Institute, believes that the promulgation of provident fund policies in various cities is to implement the policy orientation of the central government to support reasonable housing needs. Some cities combine population policies to strengthen housing support for families with two and three children. Adjustment of strength on the large demand side.

In the future, more cities will follow up to optimize and adjust provident fund policies, such as reducing the down payment ratio and increasing the provident fund loan amount. At the same time, the combination of housing policy and population policy is also an important direction.

  Since the beginning of this year, many places across the country have intensively introduced real estate easing policies.

According to incomplete statistics from the China Index Research Institute, more than 60 cities issued more than 100 real estate-related policies in the first quarter, mainly involving targeted relaxation of purchase restrictions, lowering the down payment ratio, issuing housing subsidies, lowering mortgage interest rates, canceling sales restrictions, and providing funds for housing companies. In terms of support, among them, Zhengzhou implemented the requirements of the central government in March, and introduced the "19" new policies with the most extensive coverage and the most powerful policies.

At the end of March, Fuzhou eased purchase restrictions and Harbin lifted sales restrictions.

  It is worth noting that recently, hot cities such as Suzhou and Nanjing have also joined the army of loosening the "four restrictions".

  Regarding the trend of policy loosening since the beginning of this year, Li Yujia believes that recently, the strength and scope of the property market relief policy has been significantly expanded. The strength has been upgraded from the previous home purchase subsidy and increase in the provident fund to loosen or cancel purchase restrictions and sales restrictions, and resume "plus" "Leverage", for example, the standard for the first home determination has changed from "recognizing the house and subscribing to the loan" to "recognizing the house without subscribing to the loan"; the scope has spread from third- and fourth-tier cities to cities with higher energy levels, such as Zhengzhou, Fuzhou, Lanzhou, Harbin, Suzhou and Nanjing.

  For hot cities to join the "four restrictions" loosening army, Ding Zuyu, executive director of Shanghai E-House Real Estate Research Institute, believes that the Yangtze River Delta has always been a "barometer" for the property market. Second-tier cities with greater downward pressure on the market may follow suit to partially relax, or even cancel the "four restrictions", and cities under pressure will stimulate the demand side.

With the continuous release of relatively abundant demand for improvement, the real estate market in various tier cities is expected to stabilize in rotation, and the market heat will be transmitted from first-tier cities to second-tier cities and finally third- and fourth-tier cities.