China News Service, August 7th (Zuo Yukun, a reporter from China News and Finance) In general concepts, young and middle-aged groups are the main force in buying houses.

But recently, there have been many housing purchase policies related to the elderly and children in the property market.

　　"One old and one young" get a discount for buying a house. What signal does it send?

Data map: A residential building in Beijing.

Photo by Zuo Yukun of China-Singapore Finance and Economics

Beijing pilots special support for seniors to buy houses

　　As the capital, Beijing's new real estate policies always attract attention.

On the 4th, the official account of the Beijing Municipal Commission of Housing and Urban-Rural Development, "An Residence in Beijing", issued a document titled "Multiple Measures to Improve the Living Quality of Elderly Families and Create a Friendly Community for All Ages". This year, Pingxi Prefecture, Changping District and Shunyi Prefecture were selected for the second batch of land supply this year. Three land parcels including Fuhuan District and Xuedarenzhuang in Shunyi District are pilot projects of all-age friendly housing projects.

　　In order to effectively solve the actual difficulties of elderly families in purchasing houses, certain support policies will be given to elderly families (60 years old and above) in the central urban area who purchase the above pilot projects and move their household registration to the location of the pilot projects.

　　Including: if there is no house in the name of the elderly family and there is no loan in transit, the down payment ratio for the purchase of ordinary housing in the pilot project is 35%, the down payment ratio for non-ordinary housing is 40%, and the corresponding loan preferential interest rate; the purchase of pilot projects for housing less than 140 square meters. , according to the down payment ratio of 35% for the first house and 60% for the second house; their children can apply for loans as co-borrowers.

　　"If the elderly have no housing and no loans, in addition to implementing Beijing's existing down payment ratio of 35%, they can also enjoy preferential loan interest rates, and the threshold for subsequent loans has been lowered." Yan Yuejin, research director of the Think Tank Center of E-House Research Institute The interpretation said that seniors who are identified as buying a second home can also enjoy a 60% discount on the down payment, while the previous down payment ratio was 80%.

　　Yan Yuejin also pointed out that "children can apply for loans as co-borrowers" means that the elderly can also enjoy "one-person house-buying and whole-family assistance", which enables the elderly to obtain loan qualifications and higher loan support.

　　"Beijing's policy has adopted the characteristics of directional relaxation and specific project pilots for the purchase of houses by the elderly." Yan Yuejin said, this also shows that there have been some partial and directional policy fine-tuning in first-tier cities.

　　There are also voices suggesting that this time Beijing is a special support policy for the elderly specially formulated to solve the aging problem and improve the living conditions of the elderly, which has nothing to do with the regulation of the real estate market.

A property consultant in Beijing also told a reporter from China News and Finance that the policy has a small audience and participation in real estate.

　　But what they are more concerned about is that in the document, "the next step will be to further expand the construction of all-age friendly projects on the basis of summarizing the pilot experience, and at the same time study the support measures for reasonable housing needs such as multi-child families and work-housing balance purchases. "This is considered to be the possibility of introducing further policies.

　　"Currently only for pilot projects, the scope is relatively limited, but the projects involved in the future are expected to expand, and the positive signal given this time is more obvious." Chen Wenjing, market research director of the Index Division of the China Index Research Institute, believes that relevant housing policies are expected to continue to be optimized. , it will also have a positive impact on Beijing's real estate market.

　　Since the beginning of this year, in addition to Beijing, other cities have also proposed preferential policies for elderly buyers.

　　For example, on March 1, Zhengzhou, Henan issued the "Notice on Promoting a Virtuous Cycle and Healthy Development of the Real Estate Industry". In order to meet the needs of home care, children and close relatives who work and live in Zhengzhou are encouraged to come to Zhengzhou for their relatives for the elderly, and allow them Depend on the family to buy a new house.

　　In April, Lanzhou, Gansu issued the "Several Measures for Lanzhou to Implement the Strategy of Strengthening the Provincial Capital and Further Optimize the Business Environment (No. 1)". For adults who work and live in Lanzhou, they need to bring their parents and other close relatives who live in different places to live in Lanzhou. , to give support to allow their families to buy a new house in the restricted area.

For families with two or three children in line with the national fertility policy, they are allowed to buy a new house in the restricted area.

Data map: Parents outside the primary school waiting for students to dismiss.

China News Agency issued Zhang Chang photo

Families with multiple children offer frequent home purchase discounts

　　If the preferential policies for the purchase of houses related to the elderly are still in the initial stage of exploration, then the new property market policy for "children" has a tendency to be rolled out on a large scale.

Recently, many places have launched preferential policies for the property market for families with two and three children, which mainly include increasing the housing purchase quota, increasing the loan amount of housing provident fund, and providing subsidies.

　　On the 3rd, "Families with more than two children in Changsha increase the purchase index of one set of houses" on the hot search.

Earlier, Wuhan, Hubei launched a new policy in May. For households with household registration in the city who have two or three children in line with the national fertility policy, and who already have two houses in Wuhan, they can purchase a new house in the restricted area. .

　　Hangzhou also issued a new policy in May to support three-child families: for the third child born and adopted by the same couple after May 31, 2021 (inclusive), the purchase limit of housing units will be increased by 1, and participation in the new house lottery will refer to "No Houses". "Family" priority lottery.

　　"On the premise of supporting the reasonable housing needs of families with multiple children, it can not only slightly increase the market purchasing power, but also play a role in promoting the willingness to have children." The executive vice president of the Zhejiang Branch of the Middle Finger Research Institute believes that.

　　Since the beginning of this year, the housing provident fund policy has become an important direction for optimizing and adjusting real estate policies in many places, and it has also become an important means to strengthen the protection of families with multiple children.

　　On August 1, Hangzhou, Zhejiang Province issued a new policy. If a family with three children in Hangzhou buys the first ordinary self-occupied house and applies for a housing provident fund loan for the first time, the loan amount can be determined by increasing the maximum loan limit of the family by 20% for the current period.

　　A few days ago, Cangzhou, Hebei Province increased the housing provident fund loan amount for families with multiple children.

Among them, the maximum loan amount for two-child families is increased by 100,000 yuan, and the maximum loan amount for three-child families is increased by 200,000 yuan, and the maximum loan amount is 1 million yuan.

　　"In general, it is found that such policies in Zhejiang, Hunan and other places are relatively strong, which objectively guarantees the optimization of the housing environment for three-child families in these provinces and cities," said Yan Yuejin.

　　At the same time, direct home purchase subsidies for families with multiple children are also an important real estate policy at present.

For example, on August 2, Jiaxing, Zhejiang issued a document stating that from the date of publication to December 31, 2022, the second- and third-child households in the city who newly purchased new commercial housing will be given 300 yuan per square meter (unit House purchase subsidy of 500 yuan per square meter (not more than 100,000 yuan for a single set).

　　It is generally believed in the industry that the trend of real estate policies favoring three-child families will continue in the future.

(Finish)