China News Service, January 25 (Li Qiuying, Chen Yongjian, and Zeng Yuchen) The "New Deal for House Purchase" implemented by Shanghai on the 22nd of this month has aroused the attention and heated discussions of buyers.
It is understood that the "New Deal" has made corresponding adjustments to new house subscriptions, value-added tax rules and the determination of the first home.
How will these changes affect home buyers?
A few days ago, a reporter from Chinanews.com interviewed two buyers to understand related issues.
"The bank told me that my loan will be delayed by one week, but it hasn't given me the exact time yet. I am still a little worried." Ms. Ni, a Shanghai native who is buying a house, told reporters.
Ms. Ni introduced that her house purchase was a replacement. "The child is getting older and I want to change to a bigger house."
At present, Ms. Ni's house purchase process has reached a critical step, "just waiting for the bank's loan to be approved."
In Ms. Ni's view, the slowdown in loans means that the handover of new houses will be delayed, subsequent renovations will also be delayed, and the family's rental state will last longer.
Therefore, Ms. Ni said that she is urging the banks to solve the loan problem before the Spring Festival.
In Ms. Ni's view, the tightening of the real estate market brought about by the implementation of the New Deal has more or less affected her loan purchases.
Zhang Bo, Dean of the 58 Anju Guest House Industry Research Institute, pointed out that detailed implementation measures related to the New Deal are expected to be introduced in the near future, and the impact of the New Deal will also be further specified by then.
Ms. Zhou, who also has the need to buy a house, also has to consider the changes in the rules regarding the sale of second-hand houses in the New Deal.
Ms. Zhou is a replacement house purchase. She plans to sell her house in Pudong and then subscribe for a second-hand house in Puxi as a replacement.
As Ms. Zhou had a loan experience in buying a house in the past, she was worried about the impact of the New Deal on subsequent loans.
Ms. Zhou introduced that her house change was mainly due to location considerations. The purchase and sale of houses were carried out simultaneously. "When the Pudong house went through the procedures, Puxi began to inspect the house. It took half a month to make a decision."
In the New Deal of the Shanghai property market, corresponding adjustments were made to the rules for the sale and purchase of second-hand houses.
The period of exemption of VAT for second-hand houses has been extended from the original two years to five years.
Because the second-hand house purchased by Ms. Zhou in Puxi has far exceeded the five-year purchase period, the New Deal has not had much impact on her.
The healthy and stable development of the real estate market is a top priority and is related to people's well-being. Zhang Bo believes that in 2020, Shanghai has already stepped up its efforts to rectify the illegal flow of funds into the real estate market, and "where overheated, where to fight" will be the key direction of policy control in 2021, and the next step will be significantly strengthened. . (Finish)