[Explanation] After the media disclosed that Heze reduced the down payment ratio, recently, China's multi-city property market policies have been loosened one after another.
According to incomplete statistics, in the first quarter alone, more than 60 cities in China issued more than 100 real estate-related policies.
[Explanation] Huang Yu, executive vice president of the Middle Finger Research Institute, told reporters that this policy adjustment mainly involves the targeted relaxation of purchase restrictions, the issuance of housing subsidies, the cancellation of sales restrictions, and the reduction of mortgage interest rates.
[Concurrent] Huang Yu, Executive Vice President of the Middle Finger Research Institute
In terms of characteristics, I think that each city actually implements policies according to the city. For example, some standards for identifying the first set and the second set have also changed, and the down payment ratio for the first set and the second set may be different. , and the other is the loan interest rate. In terms of loan interest rate, some banks also give some moderate discounts of this kind, especially the guarantee of rigid needs and some reasonable improvements, and can also enjoy certain loan interest rate discounts.
[Explanation] For example, on March 1, Zhengzhou issued 18 new real estate policies, which mentioned that if children and close relatives work and live in Zhengzhou, the elderly will come to Zhengzhou to seek relatives for the elderly, and the family can buy another house; March 23 Today, Harbin issued a public announcement to abolish the policy of restricting the sale of commercial housing in the 6 districts of the main urban area.
[Explanation] Huang Yu believes that the policies released by various places cannot be regarded as policy loosening, but policy adjustments made to adapt to the current real estate situation.
[Concurrent] Huang Yu, Executive Vice President of the Middle Finger Research Institute
From the perspective of the macro economy as a whole, the overall economic situation is not so good. In fact, from the perspective of the entire real estate sector, it still has to play a certain role as a pillar, at least not to drag the entire economy. In fact, this also belongs to this stage, which also requires steady growth for the entire economy, and also requires real estate to play a certain role.
[Explanation] Since 2016, the central government has been emphasizing "housing to live without speculation". Huang Yu believes that the policy adjustments in various places are not contradictory to the positioning of "housing and no speculation".
[Concurrent] Huang Yu, Executive Vice President of the Middle Finger Research Institute
In fact, it is more necessary to ensure some reasonable housing in some places, so as to fully meet the release of this demand. For some cities, you can see that in this round, each place is indeed based on its own The market situation has introduced relevant policies, so for some big cities, including some first-tier cities, there is still some shortage of supply in the market, including the pressure of rising house prices, these cities are still relatively strictly controlled, and there has not been any This loose.
Therefore, implementing policies based on the city and I think that housing and housing are two different aspects, and it does not mean that they are a contradiction.
[Explanation] What are the effects of the introduction of numerous policies on home buyers?
Huang Yu said that the optimization of the policy has indeed allowed more people to have the conditions to buy a house and improved their ability to buy a house.
[Concurrent] Huang Yu, Executive Vice President of the Middle Finger Research Institute
For example, if some cities have undergone this round of market adjustment, their prices have returned to a reasonable range. They were not eligible to buy a house before, but now they are eligible to buy a house, but they couldn’t afford it before. Due to the reduced down payment, you can afford it. Coupled with the fact that I can enjoy the preferential interest rate of housing loans now, I think it is actually a good time.
However, if the price of some cities is still at a high level, and the regulation in all aspects is still relatively strict, and the market does not return rationally, I think it is actually possible to wait a little. I think different cities, especially for different Crowd, his ability to buy a house, etc. I think it is necessary to make policies according to the city, but also according to the person.
Reporter Liu Chao reports from Beijing
Responsible editor: [Luo Pan]