The Paper reporter Ji Simin
Unleashing farmers' consumption potential and encouraging farmers to buy houses in cities has once again become a major measure to promote the development of the property market in many places across the country.
According to incomplete statistics from The Paper, since the beginning of this year, at least Yanji in Jilin Province, Jilin Province in Jilin Province, Taizhou in Jiangsu Province, Huanggang in Hubei Province, Zunyi in Guizhou Province, Qianshan in Anhui Province, Jiamusi in Heilongjiang Province, Changchun in Jilin Province, Macheng in Hubei Province, Jilin Shuangliao in Sichuan Province, Nanchong in Sichuan Province, Xinghua in Jiangsu Province and other cities, Ningnan County in Liangshan Yi Autonomous Prefecture in Sichuan Province, Qinglong County in Qianxinan Prefecture in Guizhou Province, Funing County in Yancheng in Jiangsu Province, Dafeng District in Yancheng in Jiangsu Province, Chaling County in Zhuzhou in Hunan Province, Luoshan County, Xinyang, Henan Province, and Gao County, Yibin, Sichuan Province, etc., have introduced relevant policies to encourage farmers and migrant workers to buy houses in cities.
It can be seen that in cities that encourage farmers and migrant workers to buy houses in cities, local governments give preferential policies such as house purchase subsidies and deed tax subsidies. ), endowment insurance, medical insurance and other urban population policies.
Financial subsidies in many places to support farmers to buy houses in cities
Taking Shuangliao, Jilin Province as an example, on September 7, the People's Government of Shuangliao City, Siping City, Jilin Province issued the "Notice of the Office of the People's Government of Shuangliao City on Printing and Distributing Opinions on the Implementation of the Subsidy Policy to Encourage Farmers to Enter the City (Trial)", "Notice". "Proposed that for eligible farmers to purchase commercial housing in the urban area of Shuangliao City, the urban area is willing to provide real estate development enterprises with a reduction or exemption of the total housing payment or a discount of 1-3 points.
At the same time, farmers who purchase houses in cities buy the only commercial housing or second-hand housing in the family (family members include the purchaser, spouse and minor children), and the government will give full subsidies with reference to the amount of deed tax paid.
Shuangliao City will also carry out the activity of "buying new houses and giving away consumption coupons". Farmers buy only commercial housing or second-hand housing, and the government will give appropriate subsidies by issuing consumption coupons for household appliances.
Xinghua City, Taizhou City, Jiangsu Province issued the "Notice on Effectively Responding to the Impact of the Epidemic and Promoting the Healthy Development of the City's Real Estate Industry" on September 21, which mentioned that for talents with college or above in Xinglaixing, migrant workers, and urban farmers A one-time housing subsidy will be given to buyers who purchase their first commercial housing (including second-hand commercial housing) within the urban area from June 1, 2022 to December 31, 2022. The amount of the subsidy is the deed tax actually paid by the buyer. 50%.
In addition to enjoying the housing subsidy, some cities also mentioned that purchasing a house in the city can enjoy the same policy as the urban population.
In September this year, Chaling County News Network, Zhuzhou City, Hunan Province reported that Chaling County introduced 17 measures to promote a virtuous circle and healthy development of the real estate industry and encourage farmers to buy houses in the city.
Among them, it is mentioned that farmers who enter the city to buy houses (commercial, commercial and residential buildings, and residences) can enjoy the same policies as the urban population such as household registration migration, children’s schooling (including transfer), endowment insurance, and medical insurance.
Chen Xiao, a senior analyst at Zhuge Housing Data Research Center, pointed out that recently, many cities have issued policies to encourage farmers to buy houses in cities. Weak second-tier and third- and fourth-tier cities with high inventory pressure and difficulty in destocking are the main ones. The introduction of such a policy is also to increase housing demand, ease inventory pressure, and boost market confidence.
Focusing the policy on such a large group of farmers is conducive to enhancing the enthusiasm of farmers to buy properties in cities, and to a certain extent can stimulate the release of some demand.
In addition to farmers, some local governments have also extended the scope of housing subsidies to migrant workers.
The "Ten Measures to Support Rigid and Improved Housing Demands to Promote the Stable and Healthy Development of the Real Estate Market" issued by Nanchong City, Sichuan Province on September 30 mentioned that medical staff, migrant workers, introduced talents, college students and above who purchase commercial housing in the main urban area of Nanchong Buyers with educational backgrounds and other housing will be given a one-time financial subsidy according to 3% of the total purchase price of the online-signed commercial housing sales contract, and the total amount of one-time financial subsidy shall not exceed 30,000 yuan per set.
On September 5, Gao County, Yibin, Sichuan issued the "Notice of the Office of the Gao County Real Estate Market Regulation and Coordination Mechanism on Promoting the Stable and Healthy Development of the Real Estate Market" to purchase real estate development in the central towns of Gao County (Laifu Town, Shahe Town, Luochang Town) Migrant workers who sell newly-built commercial housing by the company will be given a one-time subsidy of 200 yuan/square meter, with a maximum of 20,000 yuan per household; for migrant workers with intermediate and senior professional titles, who buy newly-built commercial housing in the county, the rate will be 300 yuan/ A one-time subsidy is given for square meters, with a maximum of 30,000 yuan per household.
Does encouraging farmers to buy houses in cities have a big effect on the property market?
It can be seen that encouraging farmers to buy houses in cities is not a new product of the property market regulation.
As early as the end of 2015, the Political Bureau of the Central Committee of the Communist Party of China proposed to resolve the real estate inventory, accelerate the urbanization of migrant workers, promote the reform of the housing system to meet the needs of new citizens, expand effective demand, and stabilize the real estate market.
It is necessary to expand effective supply, maintain effective investment, and focus on making up for shortcomings.
Under the background of "destocking" at that time, accelerating the urbanization of migrant workers and encouraging qualified migrant workers to buy houses have become important measures.
According to an article published by Xinhuanet in February 2016, Shanxi, Shandong, Gansu and other provinces clearly issued policies to encourage and guide farmers to buy houses in cities.
For example, Shandong will provide farmers with policies such as deed tax subsidies, fee reductions and exemptions, loan interest discounts, and property fee subsidies to make them a long-term and stable housing consumer group.
On February 19, 2016, the Agricultural Bank of China also launched the "Farmer's Anjia Loan" product, which is the first personal housing loan product specifically aimed at farmers in China, and is committed to meeting the needs of farmers to purchase commercial housing in cities.
In terms of effect, according to Xinhuanet, as of July 31, 2016, Anhui Agricultural Bank had issued 23,329 "Farmers' Settlement Loans", with an amount of 6.991 billion yuan, helping farmers to buy houses in cities.
The "destocking" effect of real estate in Anhui has also been highlighted.
Taking Lu'an City as an example, in 2015, the area of commercial housing for sale in the urban area reached more than 6.63 million square meters. In the first quarter of 2016, more than 1.2 million square meters of commercial housing were sold in the urban area of Lu'an, which doubled year-on-year. More than 50%, the detoxification period is shortened from 28 months to 18 months.
According to Zhang Bo, director of the branch of 58 Anju Room Real Estate Research Institute, in 2016, a large number of third- and fourth-tier cities destocked, which has consumed a large number of farmers' demand for houses in the county. The purchase demand of young people who buy houses in their hometowns in the third and fourth tiers.
Therefore, the purchasing power that this round of encouraging farmers to buy houses in the city can effectively attract has been greatly reduced compared with a few years ago.
Zhang Bo pointed out that after the previous round of destocking, the third- and fourth-tier cities also followed the rise in housing prices, which eventually led to a significant increase in the market's enthusiasm, and led to a simultaneous rise in the enthusiasm of real estate companies to acquire land in small and medium-sized cities. Inventory in tier cities is on the rise again, coupled with the background of the cooling market, which makes it difficult to sell. Therefore, encouraging farmers to buy houses is to increase demand and accelerate the sell-off.
How to guarantee "retaining people with housing"?
However, while attracting peasants to buy houses, how to guarantee the peasants entering the city is also one of the hot topics at present.
Earlier, a commentary published by the "Economic Daily" pointed out that recently, some cities in my country have introduced policies and measures to encourage farmers to buy houses in cities, and many cities and counties have proposed to give farmers tax reductions and subsidies for house purchases.
The original intention of such policies is, on the one hand, to cope with the downward pressure on the real estate market and tap the potential of farmers to buy houses to reduce inventory, and on the other hand, to try to "retain people with houses" to alleviate the situation of insufficient local urbanization rate and population loss.
However, enhancing the attractiveness of a city is a comprehensive and systematic project. Only relying on subsidies and other policies to attract farmers to buy houses in the city, as the preferential effect diminishes, it may be difficult to truly retain farmers and achieve policy expectations.
Whether farmers are willing to enter the city or not depends on whether they can obtain employment opportunities and raise their income level.
In addition, it is only the first step for farmers to enter the city to buy a house. If they do not work hard to improve industrial supporting facilities and business environment, improve employment, education, medical care and other guarantees, and make up for shortcomings in environmental infrastructure and public service facilities, then encourage farmers to buy houses. effect will be greatly reduced.
On August 18 this year, the front page of the Farmers' Daily also published a commentary article "Encouraging farmers to buy houses in cities, it cannot be considered as a back-end account". The article pointed out that under the background of high inventory pressure in the real estate market in the county, encouraging farmers to buy houses in cities, Obviously, the hope of "destocking" the property market is pinned on the farmers.
Today, the new downward pressure on the economy is increasing, and many counties and cities hope to attract farmers to the city to activate the economy and expand demand by various means.
However, in order to "lead people with housing" and "retain people with housing", it is necessary to fully protect the rights and interests of farmers and leave a way for farmers.
The above-mentioned article mentioned that, as the "end of the city and the township", the county seat is a natural carrier to connect the city and serve the countryside. To formulate policies and introduce measures, there must be a more overall consideration of urban and rural integration. Foot pain treats the foot”, let alone “the city is sick and the countryside takes medicine”.
Only by getting rid of the heavy reliance on "land finance" as soon as possible, making great efforts to cultivate internal skills, constantly improving industrial facilities and business environment, optimizing the economic structure, and developing real pillar industries, so that farmers who come to the city to buy houses can live in peace. Being able to work more happily is the fundamental way to resolve the county's economic problems.