China News Online, January 22 (Reporter Miao Lu) "Fake divorce" to buy houses, "human flesh vests" increase the probability of lottery, landlords jump in price and default, real estate developers set extremely high thresholds for subscription funds... this round of Shanghai property market Under the hot market, the Shanghai Housing and Construction Commission and other departments issued the "Opinions on Promoting the Stable and Healthy Development of the City's Real Estate Market" (hereinafter referred to as the "Opinions") overnight on the 21st, adding weight to the building market to control the "overheated" property market.
The "Opinions" mainly include the four major sectors of increasing supply, regulating demand, stabilizing expectations, and strengthening supervision, and take multiple measures to investigate and fill up the loopholes in the property market supervision.
Chen Jie, director of the Research Center for Housing and Urban-Rural Development of Shanghai Jiaotong University, said that the new housing market policy has three major highlights: systemicity, precision and differentiation.
Chen Jie analyzed that systemicity means that the "Opinions" is a combination of supply, sales, capital, and late-stage market supervision. It has grasped the shortcomings and shortcomings of market supervision and strengthened; accuracy is Refers to the "Opinions" that captures the main contradiction. The real estate market is mainly driven by funds. This round of real estate market changes is related to funds. This time, the amount, cycle, structure, and use of credit funds have been carefully regulated. Adjustment; the difference means that the "Opinions" focus on protecting families without houses.
The "Opinions" not only propose to increase the supply of commercial housing land around suburban rail transit stations and the five major new cities (Nanhui, Songjiang, Jiading, Qingpu, Fengxian New Town), adhere to the real estate linkage mechanism, guide enterprises to rationally acquire land, and stabilize land prices.
Moreover, if the couple is divorced, if either party purchases commercial housing within 3 years from the date of divorce, the number of housing units owned by the couple shall be calculated based on the total number of units in the family before the divorce.
Yan Yuejin, research director of the Think Tank Center of E-House Research Institute, told reporters on Chinanews.com that the increase in land supply and structural adjustments are more in line with the characteristics of Shanghai’s current housing demand, which can truly alleviate the contradiction between supply and demand. Moreover, the policy also emphasizes the stability of land prices. The persistence of the real estate linkage mechanism is also to prevent the rise in land prices from being transmitted to housing prices.
In addition, in response to the phenomenon of “false divorce” buying houses, Shanghai stipulates that if the family had only one house before the divorce, the households of this city can also buy one. If the family had two or more houses before the divorce, now even if one of the divorced There is no house under his name, and he cannot buy a house within three years.
Yan Yuejin pointed out that this policy has cracked down on false divorces to defraud the qualifications to buy houses.
The "Opinions" also adjusted the VAT exemption period, increasing the VAT exemption period for individual sales of houses from 2 years to 5 years.
Shanghai Centaline Real Estate Market Analyst Lu Wenxi said that due to the short-term speculation in the market, especially the new boom, there is a price difference after buying a new house.
Increasing the VAT exemption period for individual external sales of housing increases the cost of speculation and can effectively combat speculative property speculation.
In terms of resolving major contradictions, the "Opinions" require the implementation of real estate loan concentration management, strengthen the prudent management of personal housing loans, and guide commercial banks to strictly control the pace and growth of personal housing loans to prevent surprise loans.
Guide commercial banks to further strengthen the management of loan review, and intensify the verification of the source of down payment funds and debt-to-income ratio of home buyers.
Strictly prevent credit loans, consumer loans, business loans and other funds from flowing into the real estate market in violation of regulations.
Yan Yuejin said that the biggest highlight of this policy is the concept of "concentration of housing loans." Subsequent banks will need to be more conservative in lending and lending under the constraints of three red lines.
For some real estates with a lot of speculation, follow-up loans are bound to face the possibility of tightening.
The ultimate goal of these policy measures is to maintain rigid demand to the greatest extent.
The "Opinions" pointed out that it is necessary to strictly implement various management systems such as "one price clear" and "real name system" for commercial housing sales, improve the housing selection system of new commercial housing notarization, and give priority to satisfying the needs of "homeless families" for self-occupied housing purchases.
Strengthen the supervision of pre-sale funds to protect the legitimate rights and interests of buyers.
Lu Wenxi pointed out that to improve the housing selection system of newly-built commercial housing notarization lottery, and give priority to satisfying the demand of self-occupied houses of "houseless families".
This measure protects the rights and interests of buyers who are in need.
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