Previously, there was new news that Fangshan District would adjust the house purchase policy. On April 4, the official website of the Beijing Municipal Commission of Housing and Construction disclosed that the housing purchase support policy for families with many children and families with work-housing balance was piloted by Fangshan District in accordance with the "one district, one policy" method.
As a major supplier of Beijing's real estate market, Fangshan District just needs to be clustered and is obviously affected by the downturn of the property market. Industry insiders believe that it is expected that Fangshan District may make adjustments in terms of "recognizing houses and loans" and the down payment ratio of multi-child families. In the short term, this will play a positive role in promoting the inventory of the Fangshan District property market. As a vane of national policy adjustment, Beijing is relatively cautious in policy relaxation, and will not relax on a large scale or in large quantities, and pilot attempts, gradual and gradual or important ways.
Support multi-child families and families with work-life balance
On April 4, the official website of the Beijing Municipal Commission of Housing and Construction released the list of key tasks of the committee's 10 municipal government work report and the progress of practical matters in the first quarter. It revealed that the housing purchase support policy for families with many children and families with work-housing balance was piloted by Fangshan District in accordance with the method of "one district, one policy", and the relevant content was submitted to the municipal party committee and municipal government for the consent of the pilot promotion, and the next step needed to obtain the consent of the People's Bank Management Department and the Ministry of Housing and Urban-Rural Development.
In the key tasks of this year's Beijing Municipal Government Work Report, it is necessary to adhere to the positioning that houses are for living, not for speculation, accelerate and improve the housing system of multi-subject supply, multi-channel guarantee, and rental and purchase, improve the working mechanism, improve the "one district, one policy" regulation and control measures, and support the reasonable housing demand of "one old and one small", population relief in central urban areas, and work-housing balance.
The relevant person in charge of the Beijing Municipal Commission of Housing and Construction has said that for specific projects in specific areas, the policy of supporting the purchase of houses for specific groups that meet the conditions is a measure to accurately implement on the basis of maintaining strict regulation and control of real estate. In the next step, Beijing will further expand the construction of all-age-friendly projects on the basis of summarizing the experience of the pilot, and at the same time study support measures for reasonable housing needs such as multi-child families and work-housing balance.
This has paved the way for Fangshan District's pilot housing purchase support policy for families with many children and work-housing balance. In fact, in February, Fangshan District circulated that it would implement the "one district, one policy" and adjust the policy of "recognizing housing and loans", and since then there has been no new news landing.
Why did Beijing choose Fangshan District for this pilot project to support multi-child families and work-life balance? Fangshan District has always been a major supplier of Beijing's real estate market, and since the second half of 2021, the property market has declined significantly, and Fangshan District, which just needs to be clustered, has been deeply affected by this. According to the statistics of Zhuge Data Research Center, in March 2023, 3 commercial residential projects in Beijing obtained pre-sale certificates, distributed in 21 areas such as Changping District and Fangshan District, of which Fangshan District is the main force for promoting new ones, with a total of 12 newly licensed projects, including Lohas Yayuan, Yilin Beiyuan, Xifu Jiayuan and Beichen Jiayuan.
It is worth noting that on February 2, 21 real estate projects for sale in Fangshan District, Beijing, voluntarily promised in the form of a spontaneous alliance, and if buyers proposed to check out before signing a formal purchase contract, the deposit was refunded within 38 days. At that time, checking out within 30 days without reason was also considered a "gimmick" for sales in the industry.
In fact, affected by market sales, housing companies are also cautious about investment in Fangshan District. Since 2022, only 5 land plots have been transacted in Fangshan District, and all of them have been sold at reserve prices, basically supported by state-owned enterprises and central enterprises.
Or adjust the "house and loan" and down payment ratio
According to Beijing's current purchase restriction policy, if a resident family already owns one house in the city, and if there is no house but has a loan record, the down payment ratio for ordinary self-owned houses is not less than 1%, and the down payment ratio for non-ordinary self-owned houses is not less than 60%. This also means that if you have a loan or a record of buying a house in Beijing, you can count two sets. Therefore, the policy of "recognizing housing and recognizing loans" is also considered to have wrongly injured rigid demand.
The specific content of the housing purchase support policy for multi-child families and work-housing balance families in Fangshan District has become the focus of attention of all parties. In this regard, Chen Xiao, a senior analyst at Zhuge Data Research Center, said that it is expected that Fangshan District may make adjustments in terms of "recognizing houses and loans" and the down payment ratio of multi-child families, such as reducing the down payment for second homes for multi-child families and relaxing the restrictions on the number of housing units purchased by multi-child families.
Judging from the "fancy" preferential policies that have been introduced in various places for multi-child families, involving the relaxation of purchase restrictions, "recognizing houses without loans" and housing purchase subsidies. For example, Changsha can add 2 set of house purchase indicators to the original family purchase limit of 1 sets for those who meet the conditions for the recognition of the house purchase policy for families with two children or above, and Changsha household registration families are not subject to restrictions on paying social security or individual tax, online housing signing or processing time for real estate certificates.
Jiangsu Yancheng also explicitly supports the housing consumption of talents or families with two children and above. Families with a college degree or above in Yanlaiyan or families who have two children after January 2016, 1 will be given a one-time housing subsidy of 1% of the deed tax paid, up to a maximum of 50,3 yuan. Families who give birth to three children or more after May 2021, 5 and purchase newly built commercial housing will be given a one-time housing purchase subsidy of 31% of the deed tax paid, up to a maximum of 100,6 yuan. In addition, Hubei Jingmen can receive a one-time subsidy of 4,<> yuan for a qualified three-child family to purchase a house.
In fact, since last year, Tangshan, Shaoyang, Wenzhou, Quanzhou, Xianning, Jiujiang and other places have introduced housing purchase support policies, all of which propose to give two-child families and three-child families preferential housing purchases, including issuing additional house purchase subsidies and deed tax subsidies, and increasing the amount of provident fund loans. In addition, Nanjing, Dongguan, Jiangsu, Ningbo, Wuhan, Xiamen, Wuxi, Hangzhou and other places are allowed to purchase one new house on the basis of the existing purchase restriction for two-child families or three-child families when relaxing the purchase restriction policy.
"Beijing will not relax regulations on a large scale and drastically"
It is worth noting that in March this year, the property market in Fangshan District improved with the arrival of the Beijing property market "Xiaoyang Chun" and the hot sales of individual projects. In the same month, 3 new houses were transacted in Fangshan District, an increase of 685.155% from the previous month. Among them, the transaction activity of the Liangxiang plate has increased significantly, and the average transaction price of new houses in this sector is currently 19,32917 yuan / square meter.
In the eyes of industry insiders, the pilot will undoubtedly promote the Fangshan property market, not only promote the transaction of commercial housing, but also promote the land market in Fangshan. In the future, it is also more likely that the housing purchase support policy for families with many children and families with work-life balance will be implemented in far suburbs such as Mentougou and Miyun.
In this regard, Chen Xiao also said that in the short term, the pilot can play a positive role in promoting the inventory of the Fangshan District property market, and it is expected that house prices will have room to rise.
"As the capital, the adjustment of the housing purchase policy has an important wind vane significance for the whole country, so the policy has been in a state of strict control. Since last year, many cities across the country have introduced policies to relax regulation, key second-tier cities and third- and fourth-tier cities have been adjusted, the Beijing Municipal Commission of Housing and Construction revealed in the release of the work report key task list and progress, multi-child families and work-housing balance families to buy houses support policies in accordance with the 'one district, one policy' method by Fangshan District pilot, released a positive market signal, means that Beijing's strict control of many years of real estate policy is expected to be relaxed. Chen Xiao said.
In Chen Xiao's view, the Beijing Municipal Housing and Construction Commission also revealed that the relevant departments of the all-age friendly housing purchase support policy are countersigning, and 3 departments have signed back. After the above two policies are passed, they will effectively solve the housing problems of Beijing's population and promote the release of housing demand, especially a wave of improved demand.
In addition, Chen Xiao also said that although the implementation of the policy is still in a pilot way, and the specific policy adjustment has not yet been implemented, it has also brought a warm wind to the market, and the strict policy that has been implemented for many years may be expected to usher in a looser, and the signal is of significant significance. It should be noted that Beijing will also be relatively cautious about the relaxation of property market control policies, will not be large-scale and greatly relaxed, pilot attempts, gradual and gradual has become an important way, and emphasizes "one district, one policy", according to the specific conditions of each administrative region to implement appropriate policies. (Beijing News reporter Yuan Xiuli)