After reaffirming the status of "real estate as a pillar industry of the national economy" at the central level and introducing a number of policy tools to support the stable operation of the real estate market, local governments will continue to loosen the property market's loose policies in 2023 and continue to introduce optimized policies to promote the healthy development of the real estate market.

　　According to incomplete statistics from The Paper, since this year, including Fujian Xiamen, Sichuan Ziyang, Shandong Jining, Hubei Yichang, Zhejiang Wenzhou, Jiangxi Nanchang Honggutan District, Anhui Huaibei, Henan Jiyuan, Heilongjiang Harbin, Hunan Changsha, Shandong Jinan, Jiangxi Nanchang Anyi , Inner Mongolia Ulanhot, Guangxi Guiping, Hubei Wuhan, Jiangsu Yancheng, Zhejiang Shaoxing, Liaoning Dandong, Anhui Bozhou, Guangdong Dongguan, Jiangsu Xuzhou, Liaoning Dalian, Jiangsu Lianyungang, Guangxi Fangchenggang, Guangxi Liuzhou, Henan Xingyang, Anhui Bengbu, Xinjiang Urumqi, Jiangxi Over 30 cities, including Shangli County, Pingxiang City, Anhui Lu'an, Hubei Suizhou, and Jilin Changchun, issued new policies for the property market.

　　From the perspective of policy content, it includes lifting restrictions on purchases, increasing the maximum amount of housing provident fund loans, adjusting the minimum down payment ratio of provident fund loans, extending consumption subsidies, increasing the amount of provident fund loans for families with multiple children, clarifying whether to subscribe for loans when confirming a house, and encouraging group purchases of houses, etc.

Raise the amount of provident fund loans in many places

　　Taking Jining, Shandong as an example, the Shandong Jining City Housing Provident Fund Management Center issued a notice on January 29 about adjusting some policies on housing provident fund personal housing loans. Identifying standards, adjusting the minimum down payment ratio of provident fund loans, etc.

The maximum amount of housing provident fund loans for double-paying employees is increased to 800,000 yuan; the maximum amount of housing provident fund loans for single-paying employees is increased to 500,000 yuan.

For families with many children, the maximum amount of provident fund loans is increased to 800,000 yuan for the purchase of the first set of self-occupied houses, and the maximum amount of provident fund loans is increased to 500,000 yuan for the purchase of the second set of self-occupied houses; For the purchase of the first and second sets of self-occupied housing, the maximum amount of provident fund loans is increased to 800,000 yuan.

　　At the same time, the minimum down payment ratio of the first housing provident fund loan is adjusted to 20%, and the minimum down payment ratio of the second housing provident fund loan is adjusted to 30%.

　　The Hubei Yichang Housing Provident Fund Center issued the "Notice on Adjusting the City's Provident Fund Use Policy". Starting from January 29, families with Yichang household registration who have a second child or above according to the policy can purchase housing at the current maximum amount (600,000 yuan). 1.4 times the application for a provident fund loan is 840,000 yuan.

　　Wuhan continues to implement the policy of unlimited purchases outside the second ring road.

On January 13, the staff of the Wuhan Real Estate Trading Center stated that there is currently no restriction on the purchase of new or second-hand houses outside the Second Ring Road, and only need to apply for the qualification to purchase a house.

Prior to this, the relevant staff of the Wuhan Municipal Housing Security and Housing Administration responded to the news of Wuhan’s adjustment of the purchase restriction policy outside the second ring road on December 9, 2022, saying that there were new policies only for the period of the Housing Fair.

Home purchase subsidy implementation period extended

　　At the same time, many places continue to implement housing subsidies and preferential policies.

　　Wenzhou, Zhejiang issued a document stating that in order to better meet the reasonable housing needs of home buyers, the implementation of individual first-time purchases of new ordinary commodities in urban areas (including Lucheng District, Longwan District, Ouhai District, Dongtou District, Haijing District, and Jingkai District) will continue. Housing and stock housing (based on the time when the sales contract of commercial housing and stock housing in Zhejiang Province is signed online), after obtaining the real estate certificate of the house, a consumption subsidy of 0.6% of the purchase price will be given, and the implementation time will be from January 1, 2023 to June 2023 March 30.

　　The Housing and Urban-Rural Development Bureau of Yancheng City, Jiangsu Province issued a notice on January 12 that it will launch a series of measures to promote housing consumption during the peak period of returning home during the Spring Festival.

Among them, the extension of housing subsidies under the "Eight Housing Articles" in urban areas has been postponed for two months, and local sub-sectors are encouraged to carry out online and offline special housing exhibitions for returning home buyers.

At the same time, organize a group buying online visa application activity.

All localities organized groups of house-buying groups to select houses and sign contracts, and actively carried out the activity of "applying certificates after handing over houses" at the handover site to promote people's livelihood services.

Organize a bank-enterprise matchmaking event.

　　On January 20, the official website of the Harbin Municipal People's Government of Heilongjiang Province showed that in order to further promote the stable and healthy development of the real estate market in Harbin, the Municipal Bureau of Housing and Urban-rural Development took the lead in researching and drafting the "Opinions on Measures to Further Promote the Steady and Healthy Development of the Real Estate Market in Our City (Solicitation of Opinions) Draft)", with household registration in Harbin (including 9 districts and 9 counties (cities)), in line with the birth policy, and families who have a second or third child after October 29, 2021 can purchase the first or second set in the 9 districts of the main city. Two sets of newly-built commercial housing, based on the "Commercial Housing Sales Contract" signed and filed online, personal identity certificate, house purchase payment bill, "Real Estate Ownership Certificate", household registration booklet and birth medical certificate, etc., will be given a one-time payment of 15,000 yuan and 20,000 yuan respectively. Sexual housing subsidies.

The minimum mortgage interest rate for the first home is reduced to 3.7%

　　In addition to adjusting the home purchase policy, the lower limit of the first-home loan interest rate has been lowered many times this year.

According to incomplete statistics from the Zhuge Housing Search Data Research Center, after the Spring Festival, cities including Zhengzhou, Tianjin, Xiamen, Fuzhou, Zhuhai, Changchun, Shenyang and other cities have successively lowered the lower limit of first-home loan interest rates.

As of now, 30 cities have lowered the lower limit of first-home loan interest rates, the lowest of which fell to 3.7%.

　　According to the dynamic adjustment mechanism of the first-home loan interest rate policy announced by the central bank, cities where the sales price of new commercial housing have declined for three consecutive months month-on-month and year-on-year can maintain, lower or cancel the lower limit of the local first-home loan interest rate policy in stages.

　　According to the data from the National Bureau of Statistics, 35 of the 70 large and medium-sized cities meet the downward adjustment requirements. According to data from the Zhuge Housing Search Data Research Center, 20 of them have already lowered or canceled the lower limit of the first-home loan interest rate. It is expected that the unadjusted cities will follow up It is also expected to follow up and lower the mortgage interest rate. There are many second-tier cities such as Harbin, Wenzhou, and Nanning. In the first quarter, the first-home mortgage interest rate in more cities will fall below 4%.

　　On January 17 this year, the National Housing and Urban-Rural Construction Work Conference was held in Beijing. The meeting emphasized that 2023 is the first year to fully implement the spirit of the 20th National Congress of the Communist Party of China, and we must focus on twelve aspects of work.

These include promoting the stable and healthy development of the real estate market with the main line of increasing confidence, preventing risks, and promoting transformation.

Vigorously support rigid and improved housing needs, unswervingly adhere to the positioning that houses are for living in, not for speculation, and implement policies according to cities and with precision.

Promote the work of guaranteeing the delivery of buildings and people's livelihood and stability, resolve the risk of corporate capital chain breaks, strive to improve quality, build good houses, and rectify the order of the real estate market, so that the people can buy houses and rent houses with confidence.

　　Chen Wenjing, director of market research at the Index Division of the China Index Research Institute, pointed out that in 2023, policies at both ends of supply and demand are expected to be further improved. The demand side emphasizes "precise policy implementation", and the enterprise side focuses on preventing and defusing risks.

On the one hand, the demand side emphasizes unswervingly adhering to the positioning of "houses for living and not for speculation", and on the other hand, it emphasizes "precise policy implementation" to enhance the precision and coordination of policies, and to support rigid and improved housing needs with greater efforts and improve market confidence .

(The Paper reporter Ji Simin)