Our reporter Wu Yixuan

  Trainee reporter Wu Jixia

  Recently, the real estate industry has been blowing hot air frequently.

According to incomplete statistics from a reporter from Securities Daily, 138 cities have issued policies to stabilize the property market since the beginning of this year, including lowering down payments, increasing the amount of provident fund loans, granting housing subsidies, and canceling purchase restrictions.

Among them, supporting the housing needs of families with multiple children has become one of the important directions for optimizing the property market regulation policies in various regions.

Various regulatory policies have emerged frequently

  Affected by multiple factors, the overall domestic property market has cooled since the second half of 2021.

According to data from the National Bureau of Statistics, from January to April this year, the sales area of ​​commercial housing nationwide was 397.68 million square meters, a year-on-year decrease of 20.9%; the sales of commercial housing was 3,778.9 billion yuan, a year-on-year decrease of 29.5%, of which residential sales fell by 32.2%.

  In this context, from the central to the local, various regulatory policies have been introduced.

On May 20, the People's Bank of China authorized the National Interbank Funding Center to announce the new market-quoted interest rate (LPR) for loans with a maturity of more than five years. second largest drop.

  On May 15, the People's Bank of China and the China Banking and Insurance Regulatory Commission issued a notice to adjust the differentiated housing credit policy. For households who borrowed to buy ordinary self-owned houses, the lower limit of the first-home commercial personal housing loan interest rate was adjusted to be no lower than the corresponding period of the loan market. The quoted rate (LPR) minus 20 basis points.

  At the same time, many places have relaxed their property market control policies.

For example, Jinan, Tianjin, Nanjing and other places have clearly increased the loan amount of provident fund; Yinchuan, Tai'an, Fuyang and other places have clearly reduced the down payment ratio of the first home or the down payment ratio of provident fund loans; Zhoukou, Zibo, Zhenjiang and other places have successively introduced policies to provide housing subsidies or deed tax subsidies, etc.

  Chen Sheng, president of the China Real Estate Data Research Institute, said in an interview with the "Securities Daily" reporter: "On the whole, under the premise of 'housing and not speculating', the recently introduced property market regulation policies are based on rigid demand and improvement demand. It is an important focus to boost housing consumption. All localities will make reasonable policy adjustments to achieve the goal of stabilizing the property market.”

  Qian Xiangjin, a distinguished professor at the School of Management of Zhejiang University, told the "Securities Daily" reporter: "This year, especially in May, the property market regulation policies have been issued frequently in various places, and the content has become more abundant. Control policies. It is not ruled out that there will be more supportive policies for the property market in the future.”

Focus on housing needs of multi-child families

  The reporter reviewed the property market regulation policies in various places and found that there are more and more support policies for housing purchases launched for specific groups, especially families with multiple children.

Since late April, many cities, including Wuhan, Luzhou, Hangzhou, Dongguan, etc., have specifically mentioned the housing needs of multi-child families in their released property market regulation policies.

  Among them, Wuhan, Dongguan, Shenyang, Nanjing, Wuxi and other cities mentioned in the relevant control policies that "Families with two or three children are allowed to purchase an additional house".

Yangzhou has made it clear that families with two or more children do not need to apply the current purchase restriction policy; Hangzhou has raised the threshold to three children.

  In addition to optimizing the purchase restriction policy, many places have introduced home purchase subsidies for families with multiple children.

As Luzhou mentioned in the policy, families who have given birth to two or three children in accordance with the national fertility policy, if they purchase the first or second set of new commercial housing within the construction land in the central urban area, will receive a one-time payment of 2% of the total purchase price. Housing grants.

  In addition, many cities have explicitly mentioned that the loan amount for families with multiple children can be increased on the basis of the maximum loan limit.

For example, Chuxiong City, Yunnan Province issued a document on May 19, which clearly increased the loan amount of housing provident fund, adjusted to 350,000 yuan and 600,000 yuan for single-employee and dual-employee respectively, and increased by 50% for high-level talents, second-child and third-child families respectively. , 10% and 20%.

  In an interview with a reporter from Securities Daily, IPG China Chief Economist Bai Wenxi said that this will effectively meet the reasonable housing needs of home buyers, especially families with two children and above, and ease the pressure of housing difficulties and housing shortages for families with multiple children. At the same time, increasing the activity of market transactions will also help to promote the population and fertility policy.

  So, will other cities follow suit and introduce housing policies for families with multiple children?

Chen Sheng believes that "the policies related to supporting the purchase of houses by families with multiple children respond to the policy orientation of encouraging childbearing in recent years. The corresponding preference and encouragement for families with multiple children in the real estate policy may become a new trend in the regulation of the real estate market. It is expected that relevant policies will continue to Improve and deepen, and other cities may follow up and introduce similar policies.”

  Yan Yuejin, research director of the Think Tank Center of the E-House Research Institute, said that more and more cities have comprehensively considered factors such as fertility and support in the purchase policy, which is becoming one of the directions for the optimization of the property market.

(Securities Daily)