Shenzhen property market regulation and upgrade purchase of houses must be settled for three years

　　You can only buy a house after you have settled in it for 3 years and you have to pay 36 consecutive months of tax or social insurance;

　　On July 15, the Shenzhen Housing and Urban-rural Construction Bureau and other departments jointly issued the "Notice on Further Promoting the Steady and Healthy Development of Our City's Real Estate Market" (hereinafter referred to as the "Notice"), which greatly adjusted the purchase restriction measures, such as the regulations for Shenzhen households, Adult singles (including divorces) must have settled in the city for 3 years and can provide proof of personal income tax or social insurance for 36 months or more in the city before the date of purchase.

　　Ms. Lin, who works in Beijing, told reporters that in November 2016, she settled her residence in Shenzhen. According to the previous policy of “limited purchase of one home in this city for adult singletons (including divorces)”, she was even You can also buy a house in Shenzhen if you are working outside. After the latest purchase restriction policy was introduced, it said it might have to adjust the purchase plan.

　　Beijing News Shell Finance reporter Pan Yichun

Shenzhen restricts the purchase and upgrade of people with deep households: if you have an account, you will need 3 years of tax or social security

　　The Beijing News Shell Finance reporter noted that the main adjustment of the "Notice" is the purchase restriction policy for households and adult singles of Shenzhen households.

　　According to the "Notice", Shenzhen households and adult singles (including divorces) must have settled in the city for 3 years and can provide proof of personal income tax or social insurance payment for 36 months or more in the city before the date of purchase. Commercial housing can be purchased.

　　The original regulations were: household registration households in this city (including some families whose household members are household registration households) implemented a policy of restricting the purchase of 2 sets of housing; adult single persons with household registration in this city (including divorce) were restricted to purchase 1 set of housing in this city, There is no regulation on the number of years of tax or social security payment.

　　Zhang Dawei, chief analyst of Centaline Real Estate, believes that in the past, Shenzhen’s acquisition of housing qualifications was relatively easy. Most speculators used Shenzhen to settle for the first home loan qualification. This policy upgrade requires a three-year tax or social security, which will also be a strong blow. Some real estate customers.

　　Indeed, according to the reporter, according to the current regulations, it is not difficult to settle in Shenzhen. People with a bachelor degree or above in general higher education and under the age of 45, or people with a degree or above in general higher education and under the age of 35 Both can handle the introduction of talents and relocate, which means that ordinary fresh graduates can choose to settle in Shenzhen.

　　For non-deep households, the "Notice" states that residential households and adult singles (including divorces) shall continue to pay personal income tax or social insurance certificates for 5 years or more in the city before the date of home purchase, before they can purchase commercial housing. carried out.

　　Regarding the phenomenon of "divorce to buy a house", the "Notice" also restricts that if a couple divorces, either party purchases commercial housing within 3 years from the date of divorce, and the number of houses it owns is calculated based on the total number of families before divorce.

　　The previous relevant regulations are that the purchaser applies for a housing loan within 2 years of divorce, and the loan down payment ratio is not less than 70%. However, before the divorce, if there is no house or loan, the 30% will still be implemented, and only one house will be implemented by 50%. In contrast, the supervision of "divorce purchase" is still very strict.

　Increase in the proportion of non-ordinary residential down payment hit the high-end residential market

　　In addition, the New Deal also adjusted the down payment ratio, and specifically distinguished the down payment ratio between ordinary housing and non-ordinary housing. According to the regulations, if there is no house in the city under the name of the house buyer but there is a commercial housing loan record or provident fund housing loan record, the loan down payment ratio for the purchase of ordinary houses is not less than 50%, and the loan down payment ratio for the purchase of non-ordinary houses Not less than 60%.

　　At the same time, it is stipulated that if a home buyer owns one house in the city, the loan down payment for purchasing ordinary houses is not less than 70%, and the loan down payment for buying non-ordinary houses is not less than 80%.

　　It turned out that the first case mentioned above only stipulates that the loan down payment ratio is not less than 50%; the second case only specifies that the loan down payment ratio is not less than 70%. In comparison, it is clear that the proportion of down payment for loans to purchase non-ordinary housing has increased by 10 percentage points.

　　So, how to distinguish ordinary housing from non-ordinary housing? According to the "Notice", ordinary houses enjoying preferential policies should also meet the construction area ratio of residential districts above 1.0 (inclusive); the construction area of ​​a single housing set is less than 120 (including the number) square meters or the construction area of ​​a single housing is 144 (including The number is less than square meters; the actual total transaction price is less than 750 yuan (including the number) and other conditions.

　　On the contrary, it is non-ordinary housing, that is to say, if the actual total transaction price is higher than 7.5 million yuan, the down payment burden of the home buyer must be increased according to the proportion of the loan payment of the non-ordinary housing.

　　Zhang Dawei said that this policy will raise the non-common standards, and more than 7.5 million "luxury houses" will become 80% of the second down payment, which is close to Beijing, the most stringent national policy in the country, which will hit the high-end residential market very hard.

　　It is worth mentioning that the fact that there are no houses and no commercial housing loan records or provident fund housing loan records in the city under the name of the home buyer's family is not affected by the New Deal, and the policy of a minimum 30% loan down payment is still implemented.

　-Trend

　　Buyers: Looking forward to the New Deal's ability to cool prices

　　Wang Yang (pseudonym), who intends to buy a house in Shenzhen, said: "I have planned to buy a house in the last half month, but after the policy came out, I did not have the qualification to buy a house. After all, I have not successfully settled down yet. If I go on a tax basis, I still have one year to go. There are qualifications for buying a house, but this is not necessarily a bad thing. It is also good if you can control the housing price not rising so fast or falling. Ms. Lin also has a similar idea: "After the purchase limit, the second-hand housing in Shenzhen should not be So much, so fast."

　　Shenzhen citizen Wang Yi (pseudonym) told reporters: "What Shenzhen lacks is not policy, but implementation. Unlike other first-tier cities, there are many small property houses in Shenzhen. The price of small property houses in the same area is much cheaper than commercial houses, so the transaction It is also relatively active, and these listings are not subject to regulatory control, which has a considerable impact on the implementation of the overall policy."

　　Wang Xiaomao, a senior analyst at Zhuge Find Data Research Center, believes that the tightening of Shenzhen's regulation is an inevitable result of the overheated market.

　　In the first half of the year, the second-hand real estate market in Shenzhen recovered rapidly after the epidemic, and the growth rate was ahead of other cities. Zhuge's data on housing search showed that in the first half of this year, Shenzhen's second-hand housing transactions reached 43,586 units, a cumulative increase of 39.9% year-on-year, and the growth rate was greater than that of Beijing %), Shanghai (-8.4%) and other first-tier cities.

　　Behind the soaring transaction volume, Shenzhen's housing prices are also very strong. Anjuke APP data shows that the average price of second-hand housing in Shenzhen was 55863 yuan/square meter in July, up 0.23% from the previous month and up 3.23% from the same period last year.

　　After the New Deal, the Shenzhen property market may see a significant cooling down. Zhang Dawei believes that some investors are likely to start leaving the market, and the transaction volume of the market will shrink rapidly from July to August. Overall, if the Shenzhen New Deal is strictly implemented, it is expected that the investment ratio will be in the next six months With the plunge, house prices will begin to fall markedly, with a fall of more than 5%.

　　Yan Yuejin, Director of Research at the Think Tank Center of E-House Research Institute, believes that this policy has a strong signal significance. Under the epidemic situation, housing prices in some cities have risen too fast, which violates the guidance of stabilizing housing prices and the policy guidance of housing and housing. The introduction of such policies aims to further stabilize the market and prevent market speculation.