In fact, the loosening of the property market is being staged everywhere.
On April 25th, Jiangsu Wuxi Housing Provident Fund Management Center raised the loan amount and rent payment amount of housing provident fund.
On April 26, Foshan Housing and Construction Bureau issued a document clearly stating that second-hand houses with real estate registration for five years are not limited to purchase.
On April 26th, Tongzhou District of Nantong gave a maximum subsidy of 2% of the total house price.
On April 27th, Huai 'an increased the amount of provident fund loans to 660,000 yuan, and reduced the down payment ratio of the first home provident fund loans to 20%.
According to the statistics of Zhongyuan Real Estate Research Institute, as of April 26th, the policy of stabilizing the property market in April has accumulated more than 50 times. In April, more than 50 cities including Quzhou, Qinhuangdao, Mianyang, Lanzhou, Dalian, Lishui, Suzhou, Nanning and Kunming issued different real estate easing policies. If the time line is brought closer to the last week, many cities including Huai 'an, Nantong, Foshan and Wuxi have promulgated the property market easing policy.
Jiangmen, Guangdong will issue 37 million yuan coupons to buyers.
According to shanghai securities news, on the afternoon of April 27th, a special press conference was held in Jiangmen City, Guangdong Province. From April 28th, coupons with a total value of 37 million yuan will be distributed to the first few buyers who have purchased new commercial housing in Jiangmen and gone through the online signing procedures. This activity lasts for two months.
Specifically, from 0: 00 on April 28, 2022, the first batch of 5,000 new commercial houses (sorted by the time of contract finalization, the same below) with a total value of 25 million yuan will be issued with coupons of 5,000 yuan each. The first 4,000 sets of newly-built commercial housing below 100㎡ (excluding 100㎡) will be given 3,000 yuan as coupons, with a total value of120,000 yuan.
It is understood that coupons are only applicable to offline consumption of physical stores (which need to support WeChat payment) within the administrative area of Jiangmen City. Only one coupon can be used for each transaction, which can be superimposed with other preferential activities of the merchant, and the coupon holder can automatically cancel it when spending. Vouchers are not transferable and cannot be enjoyed. Vouchers are valid until June 3, 20221day, and unused vouchers will be automatically recovered by the system after the expiration of the validity period.
Coupons with a subsidy of more than 100 yuan (including 100 yuan) are suitable for offline consumption of businesses, physical stores and production enterprises that sign up for this activity within the administrative area of Jiangmen City. Industry scope: building materials, furniture, home improvement, home appliances, home decoration, home textiles and household goods industries.
The subsidy amount is less than 100 yuan, and the participating merchants are law-abiding business enterprises or individual industrial and commercial households that handle unified registration of market entities within the administrative area of Jiangmen City and can support WeChat payment. The main scope of the industry is applicable to law-abiding business entity stores that handle unified registration of market entities and can support WeChat payment within the administrative area of Jiangmen City. In addition to the industry scope, it also includes hotels, homestays, scenic spots, restaurants and other industries.
The maximum loan of provident fund is 6,543,800+0,000.
On April 25th, Jiangsu Wuxi Housing Provident Fund Management Center issued the Notice on Adjusting the Relevant Policies of Housing Provident Fund in this Municipality (hereinafter referred to as the Notice) to increase the loan amount and rent payment amount of housing provident fund.
The "Notice" clarifies that if employees and their spouses do not own their own houses and rent commercial houses in the administrative area of Wuxi, the annual increase will be15,000 yuan per person. Cancel the restriction that the housing provident fund has been withdrawn due to the purchase, construction and overhaul of self-occupied housing, and the loan repayment record under the name cannot be used for renting.
If the borrower meets the loan conditions, the maximum loan amount will be adjusted to 500,000 yuan; If both the borrower and spouse meet the loan conditions, the maximum loan amount will be adjusted to 800,000 yuan.
The notice also mentioned that for Wuxi registered families with two or three children, if they apply for provident fund loans for the first time to buy the first self-occupied housing, the loan amount may not be linked to the borrower's provident fund deposit period and deposit balance. If the borrower meets the loan conditions, the maximum loan amount will be adjusted to 600,000 yuan; If both the borrower and the spouse meet the loan conditions, the maximum loan amount will be adjusted to 6,543,800 yuan.
On April 26th, Tongzhou District of Nantong City promulgated the New Deal, giving a maximum subsidy of 2% of the total house price.
The subsidy standard is divided into three grades: 1%, 1.5% and 2%. Specifically, according to the total housing price (subject to the tax invoice issued by the development enterprise, excluding the price of storage room, parking space, garage and attic) and housing area of the first set of newly-built ordinary commercial housing purchased by enterprise employees, subsidies will be given at 1% of the total housing price for those below 90 square meters (inclusive) and 60 square meters-144 square meters (inclusive). For eligible dual-employee families (immediate family members purchase houses), the first set of newly-built ordinary commodity houses with a size of 144 square meters (inclusive) will be subsidized by 2% of the total house price.
On April 27th, Huai 'an increased the amount of provident fund loans to 660,000 yuan, and reduced the down payment ratio of the first home provident fund loans to 20%.
According to the notice of Huai 'an, if the depositor purchases the first self-occupied house and applies for housing provident fund loan for the first time, the maximum loan amount will be implemented according to the benchmark amount 1. 1 times, that is, if one party meets the housing provident fund loan conditions, the maximum loan amount will be 440,000 yuan, and if both parties meet the housing provident fund loan conditions, the maximum loan amount will be 660,000 yuan.
Second-hand houses in Foshan, Guangdong for more than 5 years are not allowed to be purchased.
Among the cities that promulgated the property market relaxation policy in the last week, Foshan is the one with greater relaxation.
On the evening of April 26th, according to many media reports, Foshan Housing and Urban-Rural Development Bureau issued a notice to the relevant departments in various districts in private, saying that commercial housing with the latest deed tax payment time or real estate registration time of five years is not included in the number of housing units owned by households; At the same time, there is no need to verify the qualification of buying a house when the commercial house that expires in five years goes through the transfer procedures such as online signing of the sales contract, gift and judicial auction.
Regarding the reasons for Foshan's policy, the notice stated that in order to implement the positioning of "houses are used for living, not for speculation", meet the needs of residents' self-occupied housing, support the demand for improved housing, and promote the stable and healthy development of the real estate market.
Li, chief researcher of the Guangdong Housing Policy Research Center, believes that Foshan's move can activate some improved needs to a certain extent, and there are probably the following types of needs: First, some families with second and third children; Second, families with poor housing units and insufficient supporting facilities need to be improved; Third, tenants who bought a house five years ago, had low entry threshold and cost, and had no mortgage or paid off; Fourth, the improved demand of private enterprise bosses or executives began to hedge and return to safe assets to buy a house.
Li also said that after nearly two years of regulation, the price increase has returned to a reasonable range, and the phased regulation has also reached expectations. This policy supports the improvement of housing demand, but only adjusts some policies, reasonably guides expectations, and takes "five years" as the boundary to avoid short-term speculation.
Yan Yuejin, research director of the think tank center of Yiju Research Institute, believes that such a policy as Foshan is a better innovative version in terms of purchase restriction and relaxation, which can be used for reference by other cities in the future.
Zhongyuan pointed out that since April, the overall optimization of local real estate regulation and control policies has shown three major characteristics:
First, the pace of policy implementation has accelerated. More than 50 cities (cities overlap with the first quarter) have introduced real estate-related policies, which is significantly higher than the previous three months.
Second, the policy extends to the direction of restricting purchases, loans and sales, and the optimization and adjustment efforts are intensified. On March 1, Zhengzhou optimized policies such as restricting purchases and loans, and restarted monetary resettlement. Since April, many places have followed up and adjusted relevant policies, involving restrictions on purchases, loans, sales and prices. In the past, more attention was paid to the issuance of housing subsidies and the adjustment of provident fund loan policies.
Third, cities expand to hot first-and second-tier cities. In April, Shanghai, Suzhou, Nanjing, Ningbo and other cities either lowered the threshold for buying houses or shortened the sales restriction period, optimized the regulation policies of hot first-and second-tier cities, and released positive signals to the market.