The two trillion-dollar cities have successively acquired and eased purchase restrictions on families with multiple children.

Among them, Dongguan loosened relevant policies again within half a month.

  Following the resumption of the personal tax house purchase policy on May 1, and the optimization of the housing purchase policy for talents and new households, on May 14, Dongguan further introduced the "Seven Rules in Dongguan" to stabilize the property market, including further relaxation of the purchase restriction policy, multi-child families. A new suite can be purchased; the sales restriction policy can be relaxed, and the listing can be traded within 2 years after obtaining evidence; the VAT exemption period for second-hand housing is "5 to 2", etc.

  Industry insiders who were interviewed by a Securities Times reporter believed that the property market in Dongguan had a relatively large downward trend, and the local government's demands for the stabilization of the property market were getting stronger and stronger, and the Dongguan property market needed a second round of policy bailouts.

Compared with the policy intensity at the beginning of the month, this time the loosening is stronger and there are more policy measures.

  Coincidentally, on May 13, the "Nanjing Housing Association" WeChat public account released the new property market policy, showing that in order to support the demand for improved housing purchases, starting from May 11, Nanjing households with two or more children can add new housing Buying a set of commercial housing can also enjoy the support of the most preferential loan interest rate of relevant banks.

  It is worth noting that, as a strong economic city in Guangdong, Dongguan's GDP in 2021 will be 1,085.535 billion yuan, exceeding one trillion yuan for the first time; Nanjing's GDP in 2021 will exceed 1.6 trillion yuan.

Dongguan introduced "Seven Rules in Dongguan" to stabilize the property market

  On May 14, 8 departments including the Housing and Urban-Rural Development Bureau of Dongguan City, Guangdong Province jointly issued the "Notice on Promoting the Stable and Healthy Development of the Real Estate Market" (referred to as "Seven Articles of Dongguan"), which aims to ensure rigid housing needs, support improved housing needs, meet Optimizing and adjusting measures have been introduced in seven aspects, including the reasonable demand for home purchase credit.

  In terms of supporting the demand for improved housing, the new policy proposes that if a resident family has a second or third child in line with the national fertility policy, it can buy a new set of commercial housing. The city has paid more than 24 months of social security or personal tax certificate.

To solve the historical problem of "multiple certificates for one house", if a resident family holds or buys a house with "double (multiple) certificates" but it is actually used as a set of housing, it will be regarded as a set of commercial housing when verifying the qualifications for housing purchase.

  In terms of meeting the reasonable demand for housing credit, the new policy proposes to actively support residents' reasonable housing credit needs.

Commercial banks should accurately implement differentiated housing credit policies, and reasonably determine the down payment ratio and loan interest rate for commercial individual housing loans.

Encourage banks to improve the convenience of borrowing and repayment for home buyers who meet the requirements of the home purchase policy and have the ability to buy houses, so as to better meet rigid and improved housing needs.

  In terms of optimizing services and facilitating transactions, the new policy proposes to adjust the value-added tax exemption period for personal housing transfers from 5 years to 2 years; commercial housing that has obtained a real estate ownership certificate for 2 years can be traded and transferred.

Through a series of optimization measures, the orderly transaction and circulation of commercial housing will be promoted.

  In terms of ensuring the demand for rigid housing, the New Deal proposes to ease the housing difficulties of new citizens, young people and other groups by expanding the supply of affordable rental housing; through the allotment of "three-restricted housing", affordable housing, etc., to reduce the need for qualified groups and talents. House purchase threshold; encourage urban renewal projects to be equipped with shared property housing or affordable rental housing; increase the support of provident funds for the rental and purchase of affordable housing.

  Regarding the reasons for the introduction of the new policy, Dongguan Housing and Urban-rural Development Bureau stated that in order to support the commercial housing market to better meet the reasonable housing needs of home buyers, and to promote a virtuous circle and healthy development of the real estate industry through urban policies, Dongguan City has optimized the housing policy in a timely manner. Since May this year From the 1st, the personal tax home purchase policy will be restored, and policies such as talent purchase and new home purchase will be optimized.

Combined with the spirit of the Political Bureau meeting of the CPC Central Committee on April 29, Dongguan City further improved its real estate policy, supported rigid and improved housing needs, and promoted the steady and healthy development of the real estate market. The "Seven Rules in Dongguan" were issued and implemented on May 14.

  Dongguan Housing and Urban-rural Development Bureau also stated that in the next step, Dongguan City will continue to firmly grasp the positioning of "housing and not speculating", implement the main responsibility of the city, accelerate the establishment of a long-term real estate mechanism, optimize and adjust the purchase policy in a timely manner, and reduce the burden of personal housing consumption. Further support rigid and improved housing demand, promote the stable and healthy development of the real estate market, and promote Dongguan to accelerate high-quality development from the new starting point of "double 10,000".

Dongguan house purchase policy is loosened again after 2 weeks

  This regulation is only two weeks after the last policy loosening in Dongguan.

  On April 29, the "Dongguan e Subscription" applet under the Dongguan Housing and Urban-rural Development Bureau updated the purchase policy, relaxed the purchase restrictions for foreign talents, and reduced the requirements for personal tax or social security. Pay", and at the same time, restore the personal tax house purchase policy.

  At that time, the policy stipulated that starting from May 1, 2022, non-resident households with a bachelor's degree or above, or a junior title or above, or a technician or above, can provide a cumulative payment in the city for 6 months within 2 years before the date of purchase. The above social security or personal tax certificate can be used to purchase the first set of commercial housing in this city; for the purchase of the second set of commercial housing, a certificate of cumulative payment of social security or personal tax for more than 24 months in the city within 3 years before the date of purchase must be provided.

In addition, you can buy a house when you enter the household; in addition to social security, you can buy a house with a tax certificate.

  Regarding the "Seven Regulations of Dongguan" introduced this time, Li Yujia, chief researcher of the Housing Policy Research Center of the Guangdong Provincial Planning Institute, said in an interview with a Securities Times reporter that Dongguan's loosening of regulation and control this time is relatively large, and there are also more policy measures.

  First, regarding the housing loan policy, Dongguan hopes that commercial banks can reasonably adjust the down payment ratio and loan interest rate for the first home in accordance with the principle of one city, one policy.

After the central bank "23", it means that the financial policy is more powerful than before in supporting the property market. In the face of high housing prices and high housing costs, it is a big trend to reduce the down payment ratio and interest rates.

Dongguan’s first- and second-home interest rates are much higher than the minimum interest rates stipulated by the state, and there is still room for decline, but Dongguan is a purchase-restricted city after all, and it remains to be seen how the down payment and interest rates will be adjusted later.

  Second, the value-added tax exemption period has been adjusted from 5 years to 2 years. This policy is expected.

Because many of the current high housing prices are due to the demand for house replacement, Shenyang and Wuxi have already changed from 5 to 2 before, and Dongguan's policy should also be adjusted as a new first-tier city.

  The third is the adjustment of the sales restriction policy. This time Dongguan "does something and does not do something", instead of completely withdrawing from the sales restriction, but retaining the period of 2 years, which ensures the keynote of "housing, not speculation".

  Fourth, families with multiple children can purchase a new suite, which is in line with the country’s policy orientation on encouraging childbearing and parenting education, and has a certain realistic rationality. Because families with multiple children have a greater demand for housing space, part of the demand can be released.

  The fifth is to solve the historical problem of "multiple certificates for one house". The double certificate problem caused by the price limit policy in the past was originally a suite but two real estate certificates, which led to the restriction of the purchase of the house. This time, in order to release the demand, the double certificate problem was solved. .

  "In general, the downward pressure on the property market in Dongguan is relatively large. At present, the local government's demands for the stabilization of the property market are getting stronger and stronger. After the subsequent epidemic is under control, as the policies continue to superimpose, I believe that there will be no problem with the stability of the property market, and Dongguan itself has inventory. Very small." Li Yujia told the Securities Times reporter.

  However, Li Yujia also pointed out that Dongguan has to keep it for a while, not to release all policies because of the market downturn, but also to consider the possibility of a new round of skyrocketing in the future.

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