The New Deal for Young Talents to Buy Houses has been released in many places!

"Inclusive + Incentive" policy system to be formed

  Young people are the main force in the urban housing market and rental market.

In order to activate the diversified housing consumption of young groups and increase the city's talent attraction, many places have recently launched new housing market policies that are beneficial to young people.

  According to incomplete statistics from China Business News, since July, in the commercial housing market, more than 15 cities and regions have released policies to optimize housing purchases for talents. These cities include Wuhan, Jinan, Shijiazhuang, Fuzhou, Xuzhou, Suzhou, and Foshan. , Dongguan and other provincial capital cities and second- and third-tier cities within the hot city cluster, as well as non-hot third- and fourth-tier cities such as Huanggang, Jiaozuo, and Yangxin’an County.

  In the affordable housing market, many cities have also made innovations.

For example, Shenzhen launched the "Young Talents Shared Housing Plan", where qualified young talents share property rights with enterprises. After three years, if the housing prices rise, young talents can choose to buy the remaining half of the property rights from the company at the original price; Chengdu has made it clear that residents will After the self-owned house is used for subsidized rental housing, one additional house purchase qualification can be added.

  Wang Yeqiang, director and researcher of the Theoretical Research Office of the Institute of Ecological Civilization, Chinese Academy of Social Sciences, and director of the Real Estate Special Committee of the China Urban Economics Association, said in an interview with China Business News that, in general, the current housing preferential policies for young people in various places are conducive to Restore market confidence and ease housing pressure for young people.

But on the other hand, all localities generally pay more attention to "talent" housing, and the talent policy is an incentive policy and cannot completely replace the GSP youth housing support policy.

  In addition, Wang Yeqiang said that in hot and non-hot cities, the actual housing needs faced by young people are different, and the solutions they expect are also different. It is necessary to further formulate housing support policies that meet the needs of youth development according to local conditions.

Educational threshold for housing subsidy

  Recently, while many hot cities have relaxed the conditions for settlement, more cities have opened up the optimization policy for talent-based housing purchases.

Since July, there have been more than 15 cities nationwide that have introduced new policies for the purchase of houses by talents. The policies cover house purchase subsidies, deed tax concessions, and increase in provident fund loan quotas.

  Among them, there are differences in the implementation thresholds of preferential policies for "talented" housing purchases in different cities, and high-level cities and hotspot cities have stricter standards for defining academic qualifications.

  On July 12, Foshan issued the "Foshan City High-level Talent Housing Provident Fund Support Policy Management Measures (Interim) (Draft for Comment)", which mentioned that the maximum loan amount of Foshan's high-level talent housing provident fund will be raised to 1 million yuan. Talents renting commercial housing to withdraw housing provident fund, the maximum withdrawal amount is planned to be three times the maximum withdrawal amount of the current year announced by the management center to the public.

  Suzhou and Shijiazhuang classify and grade the preferential policies for housing purchases for talents.

In Shijiazhuang, according to the "Notice of Shijiazhuang Municipal People's Government on Printing and Distributing Several Measures and Supporting Policies for Stable Economic Operation in Shijiazhuang City" issued by the local government on July 11, the introduced talents can enjoy a monthly rent subsidy of 1000~3000 yuan and A one-time housing subsidy of 50,000 to 300,000.

  In Suzhou, according to a series of talent policies recently released by the locality, 100,000 talent apartments will be provided within 3 years, the maximum housing subsidy will reach 8 million yuan, and the maximum talent introduction reward will reach 1 million yuan; Enjoy 3 million yuan resettlement subsidy, etc.

  In the housing subsidy policies issued by non-hot third- and fourth-tier cities, there is also a differentiation in the definition of talents.

  For example, in Xin'an County, Luoyang, Henan Province, according to the "Several Measures of Xin'an County to Promote the Sustainable, Stable and Healthy Development of the Real Estate Market" released on the 12th, young college students (full-time doctoral students, master's students, undergraduate graduates) who buy a new house will be exempted from purchasing the first Household subsidy of 30,000 yuan, 20,000 yuan and 10,000 yuan will be given to those who own a house.

  In Xinzhou City, Shanxi Province, according to the "Thirty-six Measures for Promoting the Virtuous Cycle and Healthy Development of the Real Estate Industry in Xinzhou City" implemented on July 1, the high-level talents who are rigidly transferred to the units with full or differential allocation of financial allocations in Xinzhou City will be in short supply. A one-time settlement of 500,000 yuan will be given.

  Regarding the educational threshold for housing subsidy in non-hot cities, which may be comparable to hot cities, Zhang Bo, director of the branch of 58 Anju Room Real Estate Research Institute, analyzed the first financial analysis, because in non-hot third- and fourth-tier cities, especially there are certain Third- and fourth-tier cities supported by the industry often attract relevant professionals.

  "In terms of talent-based housing optimization, the intensity of hotspots and non-hotspot cities will be different. Generally speaking, non-hotspot third- and fourth-tier cities need to have a stronger effect on housing purchase or rental subsidies, and they will be more inclined to Attract talents needed for the development of local key industries." Zhang Bo said.

  However, in Wang Yeqiang's view, the proportion of non-hot cities absorbing highly educated talents is still relatively limited.

"In the non-hot third- and fourth-tier cities, the young population is more of the local urbanized population, in other words, more of the population transferred from agriculture to the city. If the educational threshold is too high, relatively few people can meet the qualification requirements for talent purchases. "

  Zhang Bo also mentioned that low housing prices by themselves are not enough to form the attraction of third- and fourth-tier cities to highly educated talents.

The local economic level, the completeness of industrial development and income expectations will all affect the flow of talents.

"Therefore, we must first use the industry to retain talents, and then promote it with policies related to house purchases, so as to effectively open up the housing consumption of young people."

  Wang Yeqiang believes that for third- and fourth-tier cities, the focus of promoting housing consumption of young people should be on basic public services such as education, medical care, and social security after young people settle down in the city, and effectively promote the policy of "equal rights to rent and purchase". implement.

A youth housing support policy system of "inclusive benefits + incentives" is yet to be formed

  In the big cities where the population is influx, another way to meet the basic housing needs of young people is to develop the affordable housing market.

  According to a white paper released by the State Council Information Office in April this year, the urbanization rate of the permanent youth population in 2020 will reach 71.1%, an increase of 15.3 percentage points from a decade ago, and 7.2 percentage points higher than the overall urbanization rate of the permanent population.

  According to a recent research report by CITIC Securities, in 2020, the coverage rate of affordable housing in my country will be 7.2%, an increase of 1.2 percentage points from 2000.

Among them, the proportion of rental security housing has increased, while the development of property-based security housing is relatively slow.

In cities and regions with a large population influx, new citizens and young people lack high-quality rental housing.

  Recently, a number of cities that have been included in the "youth development" pilot scope have successively given "new measures" to support the development of affordable housing.

  According to the "Opinions on Launching the Pilot Program of Youth Development-oriented Cities" jointly issued by 17 departments including the Central Propaganda Department and the National Development and Reform Commission, the selected cities should "accelerate the improvement of housing security with public rental housing, affordable rental housing and shared property housing as the mainstay" system” to optimize the protection of basic housing needs for young people.

  In June this year, the first batch of "youth development-oriented" pilot cities was announced. There are 45 pilot cities across the country (including municipal districts in municipalities directly under the Central Government), including first-tier cities, provincial capital cities such as Chengdu, Changsha, and Haikou, as well as hotspots such as Dongguan and other third- and fourth-tier cities. City.

  On July 16, Shenzhen released the country's first "Youth Talent Shared Housing Plan", which was jointly released by Shenzhen Enterprise Human Resources Development Promotion Association and Shenzhen Anjiajian Industrial Development Co., Ltd.

In this plan, Shenzhen Anjiajian Industrial Development Co., Ltd. will open 50 industrial apartments for young talents who meet the standards, and jointly hold the property rights with young talents, which can be repurchased after three years.

  Specifically, after three years, if the housing price rises, young people can choose to buy the remaining half of the property from the company at the original price; but if the housing price falls after three years, the company will buy back half of the property from the young talent at the original price.

  There are also urban innovations that have launched new property market policies that combine the rental and purchase markets, such as "landlords who rent will receive free house tickets".

While revitalizing more housing stock as rental housing supply, this type of new policy actually loosens the “purchase restriction” measures for specific groups.

  On July 6, Chengdu issued the "Guidelines for Residents' Voluntary Use of Self-Owned Housing for Affordable Rental Housing", which mentions that when a resident's house is included in the affordable rental housing inventory, they can apply for a new lease in the restricted area where the rental housing is located. Qualify to purchase an additional home.

The guidelines came into effect on July 11 and are valid for five years.

  Previously, another provincial capital, Changsha, had issued a similar policy.

  According to the "Pilot Implementation Plan for Promoting the Multi-subject Supply and Multi-channel Guarantee of revitalizing the Existing Houses in Changsha City" issued by the Changsha Municipal Leading Group for Cultivating and Developing the Housing Rental Market in May, before the implementation of the plan, the online signing, filing and delivery of houses have been realized. Or houses that have been registered as real estate will not be included in the calculation of the number of family housing units after they are revitalized for rental housing.

  Huang Hui, a senior analyst at the Shell Research Institute, told Yicai that the above-mentioned policy innovations in the two types of affordable housing markets not only ensure the safe housing of new citizens and young people, but also increase the activity of the housing market to a certain extent.

  "But if the policy of 'combining rental and purchase' is to be effective, the market itself needs to have sufficient demand first. In provincial capital cities such as Changsha and Chengdu, the actual support for housing demand is relatively strong, especially for improved housing. Quantity." Zhang Bo told reporters.

  In Zhang Bo's view, hot first- and second-tier cities and third- and fourth-tier cities with strong industrial support will be key areas for future population inflows and areas where the net growth of new citizens will be concentrated.

For such cities, it is necessary to increase the supply of market-oriented housing and affordable housing at the same time to better meet the housing needs of young people at different levels.

  Regarding the "housing needs of young people at different levels", Wang Yeqiang believes that the next step is to pay attention to the "non-talented" youth groups represented by rural migrant workers.

  "In every big city, there are many youth groups who are engaged in basic and professional labor skills, especially the second generation of farmers born in cities. These youth groups also face pressure from work and housing, and may not be able to find employment. It does not meet the application conditions for local affordable housing." Wang Yeqiang said.

  In his view, the talent policy is an incentive policy and cannot completely replace the GSP youth housing support policy.

"All localities should integrate and improve the housing support policy system for youth groups, increase the inclusiveness of policies, and form a youth housing support policy system of 'inclusive benefits + incentives'."

  In order to allow young people to stay, Huang Hui also said that it is necessary to further promote the "leasing empowerment" in big cities and reduce the gap between renters and homebuyers in the enjoyment of public service rights.

  Progress has been made in the promotion of "same rights for rent and purchase" in existing cities.

In the "Shenzhen Special Economic Zone Social Construction Regulations", which was announced recently and will be officially implemented on August 1, it is mentioned that a housing rental system should be established and improved with market allocation as the mainstay, and the government provides basic guarantees and policy support to promote housing rental. The stable and healthy development of the market will encourage renters to enjoy the same treatment as homebuyers in terms of basic public services.

  Author: Wu Simin