Zhongxin Finance, June 11 (Reporter Zuo Yukun) Since the second quarter, the relaxation of property market policies has gradually strengthened, and the scope has gradually moved from third- and fourth-tier cities to first- and second-tier cities.
As Nanjing, Chengdu, Hangzhou, Suzhou and other powerful new first-tier cities have released favorable policies one after another, the top priority of the property market and the regulation trends of the four major first-tier cities have attracted particular attention.
Data map: Real estate properties under construction.
Photo by China News Agency reporter Zhang Bin
Guangzhou's purchase restriction policy is fine-tuned, and some real estate prices have risen
Entering June, there was news that the purchase restriction was loosened in the Guangzhou property market.
Foreigners who buy a house in Guangzhou and pay social security or personal tax for five years are allowed to cut off the payment for 3 months in the middle.
This news has been confirmed by the Guangzhou 12345 hotline. Previously, non-local household registration in Guangzhou required 60 consecutive months of social security or personal tax certification, and no interruption or supplementary payment was allowed.
Paying social security is one of the important ways for many people to settle down in Guangzhou.
Although it is only a small hole, it has attracted considerable attention to the first-tier cities that have always been prudent and restrained in the introduction of policies.
"The current Guangzhou property market is still in the stage of 'building the bottom', and the market's confidence in housing purchases is still insufficient. To activate market demand by lowering the social security threshold for house purchases with non-local household registration can be seen as optimization in terms of purchase restriction policies, and it is not ruled out that there will be related optimizations in the future. policies to further support the rigid and improved housing demand in the market." said Chen Xueqiang, research director of the Guangzhou Branch of the China Index Research Institute.
"After the new policy came out, some people did come to me or the store for consultation, but most of them came to confirm the authenticity of the policy. There was no such rush to start choosing a room directly. After all, the introduction of detailed rules, qualification certification, etc. will take time." Guangzhou Real Estate The intermediary Xiao Yang told the reporter of Zhongxin Finance and Economics, but it can be confirmed that this change will indeed activate the qualifications of some people to buy houses.
"Post-95" Tao Fei (pseudonym) just bought his first home in Guangzhou in April.
For a house of about 80 square meters, the unit price is about 48,500 yuan.
In her opinion, the total price of more than 3 million yuan and 30% of the down payment of more than 1 million yuan is a price that she can accept at present, and it is also the most common at present.
"In Guangzhou, houses of 3 million to 4 million yuan are indeed just in need. About one-third of the people who consult are in this range." Xiao Yang also said.
"I am very satisfied in all aspects, but one thing I regret is that I 'got into the car' when the mortgage interest rate was high. The interest rate of my loan is 5.4%. I heard that the bank I borrowed from now can achieve about 4.6%. ." Tao Fei said.
As Tao Fei said, in the past month, Guangzhou has continued to improve the credit environment to stimulate the recovery of the property market, and the mortgage interest rate has gradually dropped.
Xiao Yang said that the 4.25% interest rate is available, but it is extremely rare, and the qualification requirements for buyers and real estate are very high.
"However, loans have become a lot easier recently. For example, last year, banks were very strict in checking the source of down payment. This year, not only has the interest rate been significantly lowered, but the speed from approval to relaxation has also been visibly accelerated, and it can basically be completed within a week. "
But what comforts Tao Fei is that many properties in his community are already increasing in price, from a unit price of 48,500 yuan to nearly 60,000 yuan.
"Some people have also told me that they think house prices will continue to fall, but I also just need to buy a house, and I still feel that it is not a loss."
Data map: Haizhu District, Guangzhou City (drone photo).
Photo by China News Agency reporter Chen Jimin
Expert: Property market regulation in first-tier cities will remain cautious
Both are first-tier cities, but Beijing, Shanghai, and Shenzhen are in a different situation from Guangzhou.
"At present, the market in Guangzhou is different from that in Beijing, Shanghai and Shenzhen. There is a large supply of land in Guangzhou and a large supply of commercial housing. At the same time, the degree of market differentiation is more obvious, so the action will be relatively large in terms of regulation." 58 Anjuke Zhang Bo, director of the branch of the Real Estate Research Institute, said.
According to the data of Guangzhou Zhongyuan Research and Development Department, as of the end of May, the inventory in Guangzhou was 11.213 million square meters, and the detoxification cycle was 13.7 months.
Although the whole is in a reasonable range, the market differentiation is serious.
It can be seen that Guangzhou, which is still in a period of deep adjustment, is still the top priority to restore confidence in home buying and destocking.
According to the monitoring data of the middle finger, the short-term inventory clearance cycle in Shanghai and Shenzhen is about 6 months, and the inventory is obviously insufficient. Among them, the market in Shanghai has shown signs of stabilizing before the current round of the epidemic. The epidemic has disrupted the rhythm of market recovery. Shenzhen's current market sentiment Slightly better.
Judging from the policy adjustment in Shanghai, in June only the new regulations that international students from the top 50 universities in the world can directly apply for settlement after working in Shanghai were introduced.
In the just-concluded first round of centralized land supply in Shanghai this year, the land auction market has also recovered somewhat, with all 36 parcels of land sold for a total of 83.47 billion yuan.
On the other hand, Shenzhen, although it still has not waited for the exclusive favorable policy for the property market, but the market has also quietly changed: Shenzhen's second-hand housing transaction volume has risen for the third consecutive month, and second-hand housing prices have also risen for the first time after the "11 consecutive declines". .
Song Ding, deputy director of the China Urban Economic Expert Committee, said that the "recovery" trend of Shenzhen's property market is due to the central bank's reduction of the 5-year LPR, which pushed the Shenzhen banking system to generally lower mortgage interest rates. The atmosphere is transmitted to Shenzhen, and it also plays a guiding role for buyers to enter the market.
For the capital Beijing, the repeated outbreak of the new crown has made the Beijing property market lose its traditional "Red May".
On June 2, the "Beijing Implementation Plan for Coordinating Epidemic Prevention and Control and Stabilizing Economic Growth" was issued to promote housing consumption by reducing rents and promoting the construction of affordable housing.
What is more novel is that Beijing proposed to complete four batches of centralized land supply this year.
Li Yujia, chief researcher of the Guangdong Housing Policy Research Center, believes that the focus of Beijing's policy support is still rigid demand, and its importance is listed before improvement demand, which shows that Beijing itself does not lack demand, so it is clear in terms of housing consumption. It is to support housing rental, especially the consumption of affordable rental housing.
Regarding the direction of the future policies of the four major first-tier cities, the industry generally believes that the possibility of easing policies such as purchase restrictions and loan restrictions in Beijing, Shanghai and Shenzhen is very small.
"The overall market fundamentals of the first-tier cities are relatively good and the talent introduction ability is strong, and their policy adjustment expectations are relatively small. It is expected that fine-tuning is still the main focus, and more breakthroughs such as epidemic relief or talent introduction will be used to restore market confidence." Chen Wenjing, director of market research of the Index Division of the Institute, believes that.
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