Reporter Li Zheng
A few days ago, Qingyang City, Gansu Province issued the "Implementation Opinions on Cultivating a Healthy Real Estate Market and Expanding Housing Consumption" (hereinafter referred to as "Opinions"), stating that the purchase of ordinary commercial housing in Qingyang City fully implements the "unlimited purchase, unlimited price limit". "Policy, cancel the restrictions on the number of units purchased and household registration requirements for residents to purchase new commercial housing, and implement on-demand supply and market adjustment for the price of commercial housing to support residents' reasonable housing consumption needs.
In addition to the above-mentioned policy of "unlimited purchases and prices", Article 3 of the "Opinions" clarifies that for households who take out loans to buy their first homes, the down payment ratio shall be 5 percentage points lower than the minimum standard set by the state of 25%. ; For a resident family who owns a house and the corresponding house purchase loan has not been settled, and improves the living conditions and applies for a commercial personal housing loan and purchases a commercial house again, the minimum down payment ratio shall not be less than 30%; Article 4 of the "Opinions" points out that single For employees who apply for provident fund loans, the maximum loan amount is increased from 400,000 yuan to 500,000 yuan; for dual-earner families who apply for provident fund loans, the maximum loan amount is increased from 500,000 yuan to 600,000 yuan.
The "Opinions" will be implemented from the date of issuance, and will be valid for one year, and will be adjusted in due course according to relevant national and provincial policy documents.
Song Hongwei, research director of the Tongce Research Institute, believes that the Qingyang property market policy is relatively strong this time, and during the implementation of the "Opinions", it has basically reached the level before the purchase restriction policy.
Setting the validity period is to reserve a certain leeway for the current policy.
According to incomplete statistics from a reporter from Securities Daily, as of now, 37 cities across the country have introduced policies related to relaxing purchase restrictions during the year.
Song Hongwei said that although the relaxation of the purchase restriction policy can boost the demand of the property market in the short term, due to the short time-effectiveness of some policy settings, in the case of low overall market confidence, to reverse the current situation, it is necessary to match More easing policies work together.
Many cities have chosen to directly suspend purchase restrictions.
For example, the "Notice on Strengthening Classified Guidance and Optimizing Housing Purchasing Restriction Policies (Dongjian [2022] No. 7)" issued by the Dongguan Municipal Bureau of Housing and Urban-Rural Development on July 4 clarifies that from the date of this notice, the housing purchase restriction area will be adjusted. It is Guancheng Street, Dongcheng Street, Nancheng Street, Wanjiang Street, Songshan Lake High-tech Industrial Development Zone (hereinafter referred to as "restricted purchase area").
Except for the purchase-restricted areas, other areas will suspend the implementation of the housing purchase restriction policy.
Households who purchase commercial housing in non-restricted areas do not need to undergo house purchase qualification verification.
Similar cities include Jiujiang, Tangshan, Dalian and so on.
In this regard, Yan Yuejin, research director of the Think Tank Center of the E-House Research Institute, told the "Securities Daily" reporter that there is currently insufficient demand for home purchases in cities that have relaxed purchase restrictions.
"The overall expectation of housing prices is not ideal now, and it is expected that the effect of relaxing the purchase restriction policy will also be discounted."