New policies in the property market in many places support families with two and three children to buy a house: increase house tickets, issue subsidies, and increase loan amount
The Paper reporter Ji Simin
Supporting the housing needs of families with multiple children is becoming an important direction for optimizing and adjusting property market policies in various regions.
On May 17, the Office of the Leading Group for the Stable and Healthy Development of the Hangzhou Real Estate Market issued the "Notice on Further Promoting the Stable and Healthy Development of the Real Estate Market" (the "Notice"), which aims to optimize second-hand housing transaction policies, improve tax regulation, and better meet the needs of three We will further improve the regulation of the real estate market in terms of housing needs of children and families.
In terms of meeting the housing needs of three-child families, the "Notice" clarifies that, firstly, eligible three-child families will have one more set of housing units within the scope of Hangzhou's purchase restriction; second, eligible three-child families will sign up for new commercial housing In the case of public lottery sales, please refer to the priority lottery for "houseless families".
Chen Wenjing, market research director of the Index Division of China Index Research Institute, pointed out that since this year, many cities have introduced home purchase policies for families with multiple children. The types of policies involve optimizing purchase restrictions, reducing down payment ratios, issuing incentives or home purchase subsidies, and increasing provident fund loan quotas, etc. , combined with the population policy has become an important direction for optimizing and adjusting the property market policy in various regions. All regions actively implement the spirit of the central government and support the release of rigid and improved housing demand. In the future, more cities will follow up and optimize the housing purchase policy for families with multiple children.
According to incomplete statistics from The Paper, since May this year alone, there have been at least Zhejiang Hangzhou, Hunan Hengyang, Jiangsu Nanjing, Zhejiang Zhoushan, Liaoning Shenyang, Guangdong Dongguan, Jiangsu Yangzhou, Jiangsu Wuxi, Jiangxi Jingdezhen, Jiangsu Suzhou, Sichuan Leshan, 13 cities, including Ya'an in Sichuan and Shangrao in Jiangxi, specifically mentioned the housing needs of multi-child families in their property market policies.
Drawing: The Paper reporter Ji Simin
Restrictions on purchases are loosened: 4 cities have made it clear that families with multiple children can purchase 1 new set of commercial housing
Judging from the policy content released by various places since May, Hangzhou, Nanjing, Shenyang, Dongguan and other cities have all mentioned the new policy of "two or three-child families are allowed to buy a new house", and some cities have explicitly given birth to two children and The above family purchases are not applicable to the current purchase restriction policy.
Taking Hangzhou as an example, Hangzhou mentioned in the new policy: Eligible three-child families will increase the number of housing units within the scope of Hangzhou’s purchase limit by one; , refer to the priority lottery for "houseless families".
Nanjing made it clear that starting from May 11, families with two or more Nanjing household registrations can purchase a new set of commercial housing, and at the same time, they can enjoy the support of the most preferential loan interest rates of relevant banks.
Dongguan and Shenyang have also introduced similar policies.
The "Notice on Promoting the Stable and Healthy Development of the Real Estate Market" issued by Dongguan on May 14 mentioned that it supports the improvement of the demand for sex housing, responds to the spirit of the state's optimization of the birth policy, and provides residents with a second or third child in line with the national birth policy. Families are allowed to purchase a new set of commercial housing.
Shenyang mentioned in the new policy that in order to meet the housing needs of families with multiple children, households with two or three children under the age of 18 who already own two houses in the Shenyang administrative area can purchase another one in the Shenyang restricted area. Sets of new commercial housing.
Yangzhou is more direct.
On May 9, the Yangzhou Municipal Bureau of Housing and Urban-Rural Development issued the "Notice on Actively Supporting the Improvement of Living Conditions for Talents in Yanglaiyang and Families with Second Children and Above", which mentioned that talents with junior college and above in Yanglaiyang and those with birth Families with two children and above who purchase houses in urban areas do not need to apply the current purchase restriction policy.
Li Yujia, chief researcher of the Housing Policy Research Center of the Guangdong Provincial Planning Institute, believes that the policy adapts to the policy orientation of encouraging births in recent years, and this move will also release some of the demand for house replacement driven by the increase in family population.
Yan Yuejin, research director of the Think Tank Center of the E-House Research Institute, mentioned that similar expressions fully reflect the important changes in current policies in various places, that is, the combined orientation of "purchasing restriction policy relaxation + birth policy encouragement" can play a positive role, that is, in promoting While the market transactions are active, it also helps to promote the solid promotion of the population and fertility policy.
Loan Amount Increase: Housing Provident Fund Loan Amount for Multiple-Child Families Increases
In addition to allowing families with multiple children to purchase one more house, policies issued by many cities clearly mention that the loan amount for families with multiple children can be raised on the basis of the maximum loan limit.
For example, Zhoushan, Zhejiang, on May 13, Zhoushan City, Zhejiang issued the "Notice on Adjusting the Maximum Loan Amount of Housing Provident Fund and Other Relevant Policies", clarifying that the same couple will have a second child after November 19, 2013 (inclusive), and May 2021. Employee families with three children after 31st March (inclusive) apply for housing provident fund loan for the first time to purchase the first self-occupied house, or already own a house and have paid off the housing loan to purchase the second house For housing, the loan amount will be increased by 20% on the basis of the maximum 600,000 yuan.
Shenyang mentioned in the new policy that for families with two or three children under the age of 18 who pay housing provident fund and use housing provident fund loans to buy self-occupied housing, the loan limit can be relaxed to 1.3 times the current maximum loan amount.
Yangzhou has made it clear that for families with paid-in employees who have two or more children (excluding the second child) and apply for a housing provident fund loan and meet the application conditions, the maximum loan amount can be increased by 100,000 yuan and 100,000 yuan respectively on the basis of the maximum loan limit in Yangzhou. 200,000 yuan.
In addition, many cities have introduced real-money housing subsidies.
Take Jingdezhen as an example, the second- and third-child families of permanent residents in Jingdezhen City, and the children are under the age of 18 (as of April 30, 2022), will be given 200 yuan/square meter, 300 yuan / square meter subsidy.
Sichuan Leshan mentioned that anyone who buys the first new commercial housing will enjoy a subsidy of 8,000 yuan for each set of housing purchases.
Anyone who buys a second set of new commercial housing will enjoy a subsidy of 12,000 yuan per set.
For families with two children and above who meet the requirements of the state to purchase newly-built commercial housing, they can enjoy a subsidy of 5,000 yuan for each set of housing purchases, and this policy can be superimposed with the first two.
The improvement of demand for multi-child families has become a new direction of property market regulation
Chen Xiao, a senior analyst at the Zhuge Housing Data Research Center, pointed out that it is well known that families with many children have more needs for improvement. The introduction of such a policy is undoubtedly to promote the release of market improvement needs. On the basis of meeting rigid housing needs, the policy focus has gradually shifted. Improvement groups, such a policy signal is of great significance, in line with the trend of market development, and has a certain rationality.
According to the monitoring data of Zhuge Housing Search Data Research Center, the structure of transaction products in key cities in my country has gradually increased in recent years. In 2014, the transactions of houses under 90 square meters accounted for 45.2%, which was close to half of the total transactions. Housing accounts for less than 20%, and 90-120 square meters are the main transactions. Meanwhile, the proportion of housing transactions over 120 square meters has been expanding in the past two years.
Most of these groups have improvement needs.
Chen Xiao believes that the introduction of the housing purchase policy for families with two and three children in many cities this time can be said to be a new direction for loosening the policy recently, achieving the effect of killing two birds with one stone. Combining the property market policy with the national fertility level not only promotes To a certain extent, it has achieved the purpose of encouraging fertility and promoting population growth.
From the current point of view, the measures to loosen the policy in various places are becoming more and more diverse. It is expected that the policy will be continuously improved and deepened in the later stage, and it is not ruled out that more cities will follow up.