The reporter combed through and found that all over the world to basically take the extension or installment payment of land premiums, optimize the pre-sale of commodity housing permit, unfreeze the pre-sale of supervised funds, deferred completion and delivery period, the purchase of new commodity housing deed tax subsidies and other measures.
At the same time, in recent times, there are a number of cities have introduced a strong real estate "unbundling" policy and then urgently withdrawn. Such as Henan Zhumadian proposed to reduce the proportion of down payment for the first set of housing loans, Guangzhou announced that commercial service projects are no longer limited to the sale of objects, and so on.
Zhang Dawei, chief analyst of Centaline Real Estate, analyzed that many cities were called off due to the strength of the policy, but the test policy is still constantly introduced, mainly because of the local land finance, including economic stability requirements of real estate policy has been adjusted. "Overall, the epidemic, a few relaxation of real estate control policies in the city were called off, the subsequent orientation of real estate policy is likely to change."
Many places allow deferred payment of land premiums and relax pre-sale conditions
At present, a number of cities, including Nanjing, Hangzhou, Suzhou, Wuxi, Shenzhen, Xi'an, Nanchang and Wuhan, have introduced a new policy of assisting enterprises to support real estate enterprises to resume work and production.
The reporter combed through and found that the policies introduced to alleviate the pressure of real estate enterprises under the impact of the epidemic mainly include allowing enterprises to defer or installment payment of land premiums, adjusting the land transfer program; adjusting the pre-sale conditions, unfreezing pre-sale funds, relaxing pre-sale supervision; allowing the deferral of the opening of the completion and delivery of the deadline for the three aspects.
In terms of land policy, Shanghai, Nanjing, Hangzhou, Suzhou, Tianjin and many other cities can extend the time limit for payment of land premiums, allowing enterprises to extend or installment payment of land premiums; Nanchang, Xi'an also adjusted the proportion of the bidding deposit for land sales.
For example, Xi'an stipulates that during the epidemic prevention and control period, the newly transferred land can, in principle, be determined by 20% of the starting price of the bidding deposit, 50% of the land transfer price is paid within one month after the signing of the transfer contract, and the remaining balance can be paid in installments, with a payment period of no more than one year. Nanchang February 12 issued a notice clearly, since the date of issuance to December 31, 2020, the land sold during the transfer of land, the land transfer bidding deposit ratio is adjusted to 20%. As for the payment period of the land transfer deposit, the commercial residential or mixed commercial and residential land is adjusted to six months, and the land for other projects is adjusted to 12 months, but 50 percent of the payment must be made within one month of signing the land transfer contract.
Shenzhen, Wuhan, Wuxi, Changchun and other cities have adjusted the pre-sale conditions for real estate development projects, while unfreezing pre-sale funds and relaxing pre-sale supervision.
Wuhan, for example, before October 1, 2020 to obtain a construction permit for the project development investment amounted to 25% or more, and high-rise building image progress reached more than 1/4, multi-storey and low-rise building image progress reached plus or minus zero, you can apply for a pre-sale permit. Wuxi regulations, apply for pre-sale of the original image progress requirements adjusted to the amount of investment, pre-sale part of the completion of more than 25% of the investment can be.
Shenzhen clear, apply for pre-sale of commercial housing projects, no longer required to submit proof of the balance of project capital. With the relevant conditions of the enterprise project can apply to the supervisory bank to unfreeze not more than 20% of the total amount of pre-sale funds. Wuhan clear, with the relevant conditions of the project enterprise can apply for 100% of the amount of the use of key regulatory funds, and can apply for withdrawal of supervision of the regulatory account; affected by the epidemic business difficulties or epidemic prevention and control during the contribution of the enterprise, you can apply for an advance of key regulatory funds.
In addition, Jinan, Wuxi, Suzhou, Shenzhen and other cities have also made it clear that real estate development projects affected by the epidemic can not be delivered on schedule, the handover date can be postponed according to the end of the local epidemic.
Zhao Xiuchi, vice president and secretary-general of the Beijing Real Estate Law Society and a professor at the Capital University of Economics and Business, said these policies can effectively help real estate companies get through the financial difficulties caused by the epidemic, reduce market disputes, maintain the normal order of real estate, effectively prevent market fluctuations and reduce the impact of the epidemic on the real estate market.
Some third- and fourth-tier cities directly "issued" home purchase concessions
In contrast to the new land and pre-sale policy to ease the pressure on enterprises, Hengyang, Hunan, Guilin, Guangxi and other places are more vigorously introduced the new rules for home purchase, directly for the purchase of individual issuance of "welfare! "
Hengyang City, February 18, public documents clearly, the purchase of new commercial housing and stock of housing, signing the network signing agreement and pay the deed tax, the deed tax rate of 1%, according to the deed tax paid on the homebuyer to be fully subsidized; the deed tax rate of 1.5%, according to the deed tax paid 2/3 to be subsidized; the deed tax rate of 2% (including 2%), according to the 50% of the paid deed tax (including 2%), 50% of the deed tax paid will be subsidized. At the same time, to expand the scope of talent home purchase subsidies, non-"double first-class" university full-time undergraduates a one-time home purchase subsidy of 50,000 yuan.
Guilin City, March 12 issued a notice showing that, in addition to reducing the land bidding performance deposit, adjusting the management of ordinary commodity housing pre-sale price, correction of pre-sale funds focus on the amount of supervision and other policies, but also the implementation of the purchase of the deed tax subsidy. The notice specifies that those who purchase new commercial houses at Guilin level during the period from February 24 to June 30, 2020, will be subsidized with a deed tax subsidy of 100% based on the paid deed tax.
Cities such as Yulin and Qinzhou in Guangxi have similarly introduced policies to implement deed tax subsidies for the purchase of newly built commodity houses. Qinzhou clear, ordinary residents in 2020, January-December different periods of time to buy new commercial housing to give a different proportion of the deed tax subsidy; Yulin clear, March-May 2020 different periods of time to buy new commercial housing to give a different proportion of the deed tax subsidy. At the same time, the two places are clear, health care workers to buy the whole year in accordance with the actual payment of deed tax to give 100% of the same amount of subsidies.
Zhang Dawei, chief analyst of Centaline Real Estate, believes that the control policies of the real estate market around the world, whether in terms of strength and direction, the characteristics of city-specific policies are very obvious. "Most of the city's real estate policy is mainly focused on the provident fund policy, land payment relief policy and pre-sale to speed up the policy, individual cities also have for deed tax relief home purchase subsidies, but mainly concentrated in individual third and fourth-tier cities."
But he also pointed out that, at present, most of the real estate policies that can be landed is basically "rescue enterprises" rather than "save the market". "Currently around the policy strength is very limited, basically only for throttling have some impact. For real estate companies, the biggest problem is still capital pressure, especially the maturity of the debt problem. Once sales can not be quickly recovered, real estate enterprises to April-May will face generalized financial pressure."
Five real estate "unbundled" policy was withdrawn after the release of
In many places to introduce new policies to help enterprises at the same time, in recent months, there are also a number of cities issued by the real estate "unbundled" policy, one after another encountered the "official day trip". The official website of the "one-day trip".
March 24, the Haining City Government Information Office official microblogging "Haining release" issued a news release, March 25 to April 24 Haining cloud on the Housing Expo during the "non-Haining household population in Haining limited to the purchase of a set of housing," the policy will not be implemented. The policy will not be implemented for the time being. That is to say, non-Haining household registration in Haining can buy more than one suite. However, the evening of the same day, the content of the above was deleted, the local authorities responded to the media that the lifting of the restriction on the purchase policy has been withdrawn.
Previously, there have been Zhumadian, Guangzhou, Baoji, Jinan, four cities issued real estate "unbundling" policy, soon after the release was urgently withdrawn.
February 21, Henan Zhumadian released the opinion that the counties will contribute to the maximum amount of housing fund loans for employees from 450,000 yuan to 500,000 yuan, while contributing to the minimum downpayment ratio of the first suite of loans for employees from 30% down to 20%. 28 February, Zhumadian Municipal People's Government, the main responsible for the comrade in charge of the interviews, the policy document was withdrawn.
On March 3, Guangzhou released 48 measures to optimize the construction and sales management of commercial service projects, commercial service projects have not completed the planning and construction procedures are no longer limited to the smallest division unit; commercial service projects are no longer limited to the sale of objects, has been confirmed the registration of the right is no longer limited to the transfer of objects. Soon after the document was withdrawn from the official website of the Guangzhou Municipal Government. March 5, re-issued 48 measures, the content of the "untying" of commercial service projects was deleted.
March 12, Shaanxi Baoji issued measures to make it clear that banks should actively seek to reduce the proportion of down payment for the first set of housing loans policy, the maximum amount of provident fund loans from 400,000 to 500,000. 12 evening, the document from the official website of the Baoji Municipal Government was removed.
March 15, Shandong Jinan released a policy proposed in the old and new kinetic energy conversion advanced zone direct management area within the scope of the purchase of two-star and above green building commodity residential, not subject to Jinan City, the restriction on the purchase policy; pre-sale supervision funds that is levied that is returned. Two days later, Jinan New Old Energy Conversion Advanced Zone issued a corrective statement saying that the above two policy expressions are inaccurate and will be corrected.
Zhao Xiuchi pointed out that the "one-day tour" policy reflects the urgency of the local government to save the market, but also worried about the long-term stable development of the real estate market is not good for the introduction of the policy for the introduction of the city is still subject to scrutiny.
Zhang Dawei analysis that the epidemic, macroeconomic changes, real estate regulation and control should indeed be adjusted, especially in line with the principle of housing without speculation, for the fresh demand and improvement should be introduced to a certain policy, which is not contrary to the principle of regulation and control of the real estate market, will not be too much impact on the market, but including Haining and other loosening of the policy, there is indeed a suspicion of encouraging speculation in the housing market.
"The content of the loosened policy varies from place to place, but they all appear to be withdrawn as long as the media focus on the phenomenon. This represents that although the property market a city a policy, but around the local property market for the introduction of policy is still too arbitrary, part of the policy obviously touched the bottom line of the policy, contrary to the general principle of housing without speculation." Zhang Dawei said.
Expert opinion
"Housing without speculation" is not contradictory to support the purchase of housing demand
Zhang Dawei believes that housing without speculation is not contradictory to support the purchase of housing demand. The general direction of China's real estate policy is "housing without speculation", so part of the government in the epidemic, in order to stabilize the market, the introduction of supportive policies for home buyers in need is not contrary to the central policy.
He said that although the policy of a number of cities "one-day trip", but under the pressure of local finances, it is expected that the follow-up will still have more cities to test the bottom line of the policy. Especially in the third and fourth tier cities, financial pressure, loosening real estate regulation, stabilization of the active real estate market is expected to be stronger.
Future construction of the "rent and buy" system is still the trend
Zhao Xiuchi pointed out that China is still in the stage of rapid urbanization and development, a large number of housing demand still exists, the impact of the epidemic on the real estate market is short-lived.
She said the current real estate policies around the world should not only deal with the impact of the current epidemic, but also from the long-term healthy development of the real estate market. For the first suite of just demand can be taken care of from the proportion of down payment and interest rate credit policy, can be taken to recognize the policy of not recognizing loans.
Zhao Xiuchi said, the future establishment of rent and purchase housing system is still the general trend, and only rent and purchase can realize the stable and healthy development of the real estate market. Therefore, should continue to vigorously develop the residential rental market, give renters due rights, to protect the tenant's right to housing. At present, on the basis of good protection and testing, the tenant should be allowed to return to live in the leased house as soon as possible to realize the resumption of work and production, and should also encourage the establishment of new leasing relationships.