The Paper reporter Ji Simin
Supporting and encouraging families with multiple children to buy houses is becoming an important direction for optimizing and adjusting property market policies in various regions.
On October 9, according to the official website of the Sichuan Provincial People's Government, the Sichuan Provincial Party Committee and the Provincial Government issued the "Implementation Plan on Optimizing the Birth Policy to Promote the Long-term Balanced Development of the Population", which mentioned that families with two or three children would relax the qualifications for buying a house. Wait.
According to incomplete statistics from The Paper, since May this year, there have been at least Zhejiang Hangzhou, Hunan Hengyang, Jiangsu Nanjing, Zhejiang Zhoushan, Liaoning Shenyang, Guangdong Dongguan, Jiangsu Yangzhou, Jiangsu Wuxi, Jiangxi Jingdezhen, Jiangsu Suzhou, Sichuan Leshan, Sichuan Ya'an, Jiangxi Shangrao, Sichuan Suining, Fujian Xiamen, Fujian Fuzhou, Shandong Zibo, Sichuan Liangshan, Zhejiang Ningbo, Jiangsu Yancheng, Jiangxi Jiujiang, Hubei Huangshi, Hebei Baoding, Sichuan Neijiang, Hebei Cangzhou, Zhejiang Jiaxing, Hunan Changsha, Jiangsu Xuzhou , Jiangsu Xinghua, Shandong Qingdao, Shandong Yantai, Anhui Huangshan, Xinjiang Yili, Hubei Tianmen, Guangxi Nanning, Sichuan Yibin, Sichuan Nanchong, Jiangxi Yichun, Hebei Dingzhou and other nearly 40 cities in the real estate market policy released special mention of multiple children family housing needs.
Loosening of purchase restrictions: 8 cities have made it clear that families with multiple children can purchase 1 new set of commercial housing
Judging from the policy content released by various places since May, Hangzhou, Nanjing, Shenyang, Dongguan, Qingdao, Changsha, Ningbo, Xiamen and other cities have mentioned the new policy of "two or three-child families are allowed to buy a new house" , and some cities have made it clear that the current purchase restriction policy does not apply to families with two or more children.
Taking Qingdao, Shandong as an example, on September 15, the official WeChat account of the Qingdao Municipal Bureau of Housing and Urban-Rural Development released the "Dynamic Improvement of Real Estate Policy in our city". Families with three or three children can purchase an additional set.
Changsha issued the "Work Plan on Optimizing Birth Policy to Promote Long-term Balanced Development of the Population" in August this year, which mentioned that for local households with two or more children in accordance with the law, an additional house purchase indicator will be added.
Hangzhou mentioned in the new policy: Eligible three-child families will increase the number of housing units within the scope of Hangzhou's purchase restrictions by one; at the same time, when eligible three-child families sign up for the public lottery sale of new commercial housing, refer to the "No Housing". "Family" priority lottery.
Nanjing made it clear that starting from May 11, families with two or more Nanjing household registrations can purchase a new set of commercial housing, and at the same time, they can enjoy the support of the most preferential loan interest rates of relevant banks.
Dongguan and Shenyang have also introduced similar policies.
The "Notice on Promoting the Stable and Healthy Development of the Real Estate Market" issued by Dongguan on May 14 mentioned that it supports the improvement of the demand for sex housing, responds to the spirit of the state's optimization of the birth policy, and provides residents with a second or third child in line with the national birth policy. Families are allowed to purchase a new set of commercial housing.
Shenyang mentioned in the new policy that in order to meet the housing needs of families with multiple children, households with two or three children under the age of 18 who already own two houses in the Shenyang administrative area can purchase another one in the Shenyang restricted area. Sets of new commercial housing.
Yangzhou is more direct. On May 9, the Yangzhou Housing and Urban-Rural Development Bureau issued the "Notice on Actively Supporting the Improvement of Living Conditions for Talented Persons in Yanglaiyang and Families with Second Children and Above", which mentioned that in Yanglaiyang College and If the above talents and families with two or more children buy houses in the urban area, the current purchase restriction policy may not be applied.
Li Yujia, chief researcher of the Housing Policy Research Center of the Guangdong Provincial Planning Institute, believes that the policy adapts to the policy orientation of encouraging births in recent years, and this move will also release some of the demand for house replacement driven by the increase in family population.
Yan Yuejin, research director of the Think Tank Center of E-House Research Institute, mentioned that similar expressions fully reflect the important changes in current policies in various places, that is, the combined orientation of "purchasing restriction policy relaxation + birth policy encouragement" can play a positive role, that is, in promoting the market While the transaction is active, it also helps to promote the solid promotion of the population and fertility policy.
Alleviate the pressure on housing purchase funds: the provident fund loan amount will rise, and housing purchase subsidies will be given
In addition to allowing families with multiple children to buy one more house, policies issued by many cities clearly mention that the loan amount for families with multiple children can be raised on the basis of the maximum loan limit.
Nanchong City, Sichuan Province issued the "Ten Measures to Support Rigid and Improved Housing Demand to Promote the Stable and Healthy Development of the Real Estate Market" on September 30. The "Measures" made it clear that the first housing provident fund loan in Nanchong implements a 20% down payment policy, and the second housing provident fund loan The down payment ratio was reduced from 40% to 30%.
For families with two or three children in line with the national fertility policy, if they buy a new house in Nanchong, the current implementation standards will increase the provident fund loan amount by 100,000 yuan and 200,000 yuan respectively for the second and third-child families.
That is, the maximum loan amount for unilateral provident fund deposits is increased to 600,000 yuan and 700,000 yuan respectively, and the maximum loan amount for employees' families to pay provident fund deposits on both sides is increased to 700,000 yuan and 800,000 yuan respectively.
Xinghua City, Taizhou City, Jiangsu Province issued the "Notice on Effectively Responding to the Impact of the Epidemic and Promoting the Healthy Development of Our City's Real Estate Industry" on September 21. 18 years old), the maximum loan amount of housing provident fund for dual-employee and single-employee is adjusted to 1 million yuan and 500,000 yuan respectively.
Hangzhou Housing Provident Fund Management Committee issued the "Notice on Implementing Preferential Policies for Housing Provident Fund for Three-Child Families" on August 1. The "Notice" clarifies that if a three-child family 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 20% higher than the current maximum loan limit of the household.
On the same day, the Cangzhou Housing Provident Fund Management Committee issued the "Notice on Increasing the Loan Amount of Housing Provident Fund for Multiple-Child Families", which mentioned that in order to give full play to the role of the housing provident fund system and support the rigid and improved housing needs of "two-child" and "three-child" families , to ease the pressure on the purchase of housing funds for families with multiple children, Cangzhou City has introduced preferential policies to increase the loan amount of housing provident fund for families with multiple children.
Among them, the maximum loan amount for families with two children is increased by 100,000 yuan, and the maximum loan amount for families with three children is increased by 200,000 yuan.
In addition, many cities have introduced real-money housing subsidies, such as Jiaxing, Zhejiang.
On August 2, the official website of the Housing and Urban-Rural Development Bureau of Jiaxing City, Zhejiang Province showed that the Leading Group for the Steady and Healthy Development of the Real Estate Market in Jiaxing City issued the "Implementation Opinions on Further Perfecting the Steady and Healthy Development of the Real Estate Market in Jiaxing City". In terms of the support policy for family purchases with children, the "Implementation Opinions" clarifies that from the date of publication to December 31, 2022, Jiaxing households with two or three children who newly purchase new commercial housing will be given 300 yuan per square meter ( A single house shall not exceed 50,000 yuan), and a house purchase subsidy of 500 yuan per square meter (single house shall not exceed 100,000 yuan).
Taking Yancheng, Jiangsu as an example, in June this year, multiple departments in Yancheng jointly issued the "Eight Policies on Effectively Responding to the Impact of the Epidemic and Promoting the Healthy Development of the Urban Real Estate Market". Families with two children after the 1st of January will be given a one-time housing subsidy of 50% of the deed tax paid, up to a maximum of 30,000 yuan, if they purchase new commercial housing.
Families with three or more children after May 31, 2021 (in line with the current birth policy), who purchase new commercial housing, will be given a one-time housing subsidy of 100% of the deed tax paid, up to a maximum of 60,000 yuan.
The improvement of demand for multi-child families has become a new direction of property market regulation
Chen Xiao, a senior analyst at the Zhuge Housing Data Research Center, pointed out that it is well known that families with many children have more needs for improvement. The introduction of such a policy is undoubtedly to promote the release of market improvement needs. On the basis of meeting rigid housing needs, the policy focus has gradually shifted. Improvement groups, such a policy signal is of great significance, in line with the trend of market development, and has a certain rationality.
According to the monitoring data of Zhuge Housing Data Research Center, in recent years, the structure of transaction products in key cities in my country has gradually increased. In 2014, the transactions of houses under 90 square meters accounted for 45.2%, which was close to half of the total transactions, while the housing transactions of less than 90 square meters in the past five years accounted for 45.2%. The proportion is less than 20%, and 90-120 square meters are the main transactions. At the same time, the proportion of housing transactions of more than 120 square meters has been expanding in the past two years.
Most of these groups have improvement needs.
Chen Xiao believes that the introduction of the housing purchase policy for families with two and three children in many cities this time can be said to be a new direction for loosening the policy recently, achieving the effect of killing two birds with one stone. Combining the property market policy with the national fertility level not only promotes To a certain extent, it has achieved the purpose of encouraging fertility and promoting population growth.
From the current point of view, the measures to loosen the policy in various places are becoming more and more diverse. It is expected that the policy will be continuously improved and deepened in the later stage, and it is not ruled out that more cities will follow up.