Where do you go? First loose and tight, 2016 Ji'nan property market policy adjustment frequently.
2016 is the policy year of real estate. In the beginning of the new year, under the background of inventory, the various credit policies and tax policies of the property market have been adjusted. Before and after the Spring Festival, the property market "policy package" intensive introduction, down payment, tax reduction, provident fund raising...... Using credit leverage, tax relief, optimization of settlement, housing subsidies, government repurchase and other forms of accelerated inventory. This has brought a hot market in the property market.
but in September, the policy began to go down, to re - buy, to raise the first payment, to reduce the amount of the provident fund, to check the illegal sales, to standardize the market, and to "recognize the house and recognize the loan"...
down payment was lowest to 20%
February 2nd. The people's Bank of China and the China Banking Regulatory Commission jointly issued a notification: the first payment of the first suites for the non limited purchase cities was 20%, and the down payment of the two suite was 30%.
is to further support the reasonable housing consumption and promote the steady and healthy development of the real estate market. The specific contents are as follows: in the city where the "limited purchase" measures are not implemented, the first commercial individual housing loans for ordinary housing are purchased for the first time by households. In principle, the minimum proportion of the first payment is 25%, and the local residents can float 5 percentage points down; the households with 1 sets of housing and the corresponding home purchase loans are not clear. Industrial personal housing loans to buy ordinary housing, the minimum down payment ratio adjusted to not less than 30%. At the same time, it is suggested that all localities can independently determine the minimum down payment ratio of housing loans in accordance with the principle of "classified guidance, land based policy" and the actual situation of different cities.
after the implementation of this policy, residents of the non restricted cities including Ji'nan, whether the first set or the two sets, the down payment ratio can be reduced by 5%-10%, and the first payment of 20% can be said to be a new low of ten years. Also after June 2006, the lowest down payment ratio of commercial loans returned to 20% for the first time. The lower down payment threshold is conducive to the demand for the rigid demand and the first change market, especially for the young families with little savings. This policy stimulates the demand for ordinary housing, especially for rigid demand.
two suite deed tax also exemption from
State Administration of Taxation, the Ministry of finance, the Ministry of construction of the joint issuance of notifications, from February 22nd, the two suite of deed tax rate has also been remitted. The sole housing (family members including home buyers, spouses and minor children, the same below), with an area of 90 square meters and below, is levied at a tax rate of 1%, with an area of more than 90 square meters and a deed tax of 1.5%. Second sets of improved housing for individual households were purchased, with an area of 90 square meters and below, and a deed tax was levied at a rate of 1%, with an area of more than 90 square meters, and a deed tax was levied at a rate of 2%.
the previous provision is that the first suite and 144 suites of more than two square meters will not enjoy the exemption from the tax deduction and exemption, which will be levied at 3%.
business tax, individuals will purchase 2 years (inclusive) of the external sale of housing, exempt from business tax.
later, the Shandong provincial finance department, Shandong provincial local tax bureau, Shandong provincial housing and urban and rural construction department jointly, the unified implementation of the following, the first suite of the scope of the county (city, district) administrative area as a unit. That is to say, the first suite is paid by the first suite. The tax policy of
in Shandong expanded the scope of the first suite and divided the first suite with "district". Industry analysts believe that this move will have a greater impact and benefit from the wider crowd. Take Ji'nan as an example. This will undoubtedly further improve the real estate market, encourage buyers to improve housing conditions. The implementation of the new deal will stimulate the second-hand housing market and reduce the real cost of the buyers.
February 22nd, a letter from the Ji'nan housing provident fund management center to adjust the policy of provident fund loan. The core content is that the maximum loan amount of the provident fund is raised from 600 thousand yuan to 700 thousand yuan. In March 7th, it was formally implemented.
specific content, two people and above the housing provident fund of workers and workers to buy self housing in six districts in the city, the maximum loan amount for housing provident fund loans from 600 thousand yuan to 700 thousand yuan (in Zhangqiu, Pingyin, Jiyang, Shanghe, four counties and cities to buy self housing, the maximum loan for housing provident fund loans can be loan The amount of the amount is 600 thousand yuan); one person who has paid the housing provident fund to buy self housing in six districts in the city, the maximum loan amount for the housing provident fund loan is raised from 300 thousand yuan to 400 thousand yuan (in Zhangqiu, Pingyin, Jiyang, Shanghe, four counties and cities, and the maximum loan amount for the housing provident fund loan is 350 thousand yuan).
raise the calculation standard of the repayment capacity of housing provident fund loan. The upper limit of monthly repayment and monthly income ratio of borrowers and common payers increased from 50% to 60%. That is, the monthly repayment amount of the borrower and the common payer shall not exceed 50% of its monthly income to 60% of the monthly income.
at the same time, it allows the withdrawal of provident fund to deposit housing maintenance funds.
the central bank again reduced
in February 29th, the people's Bank of China decided that, since March 1, 2016, the RMB deposit reserve ratio of financial institutions was generally reduced by 0.5 percentage points to maintain a reasonable liquidity of the financial system, to guide the stable and moderate growth of monetary credit, and to create a suitable monetary finance for the structural reform for the side. Environmental Science。
analysts pointed out that the aim is to maintain a reasonable liquidity of the financial system, guide the stable and moderate growth of monetary and credit, and create a suitable monetary and financial environment for the structural reform of the supply side. After the approval, the follow-up funds will be more abundant, housing loans will continue to be relaxed, and homebuyers' pressure will continue to decrease.
increasing land for the property market to cool down
in September 28th, Ji'nan's real estate policy began to tighten. On the same day, we issued the first wave of the real estate market regulation policy, severely hit the inverted number of fried number, cover up the sale and so on, did not get the property of the pre sale license, strictly forbidden to recognize it in disguise, raise the land auction margin, and shorten the time limit for the land transfer payment.
the head of a large housing enterprise in Ji'nan said that this regulation policy is mainly concentrated on two aspects, first of all, to take the land market operation. It is proposed to increase land supply and expand the scale of residential land. "This is very targeted. Now why are housing companies crazy to grab land? The supply of residential land is too small to eat without food. If implemented, to a certain extent, to alleviate the current land market to seize the phenomenon of king. To solve the market contradiction at the supply side. "
more lethal is to raise the land auction margin and shorten the time limit for land transfer payment. Now the margin is generally 20% of the starting price, and the hot spot will increase to more than 50%. At the same time, anyone who dares to raise the price must have enough funds backing up. The time limit for payment of the shortest amount of land transfer is only 15 days, and the time for signing the contract is only 20 days. "Can not be like some housing enterprises, the brain is hot, it is hard to make the cold plots into the king, after taking the land and then can not afford the land leasing. Irrational auction is easier to make the king, and may be chicken after the impulse. One industry believes that this new regulation will be too high for the housing enterprises to take the threshold, the financial strength is not good, the financing channels are not strong developers will not dare to act. The idea of "jujube and jujube beating three poles" is basically gone.
"this is also conducive to regulating the market, so that mature developers can take the development, simply do not have money to mix." Ji'nan local housing enterprises of the relevant people believe that the provisions of the two years of holding the debt ban, can prevent the poor financing ability of developers to take risks, beyond the capacity range of hard grabbing, or high price financing, or form a bad end, potential market risk.
at the same time, Ji'nan's regulatory policy reiterated that it was prohibited to recognize chips before obtaining pre-sale permits, especially referring to the group buying of e-commerce. Insiders said that the new regulations meant that developers could only wait for the pre-sale permits to raise funds. The new regulations require a one-time open all quasi sale of the room and price within 10 days after the sale of the license, which will affect the pricing strategy of the developer, which is not conducive to the control of the initiative. In the red hot market, the short-term impact is not too big.
policy adding, re limiting purchase limit
October 2nd, Ji'nan municipal government office issued a notice to further regulate the real estate market, the first payment ratio of first suites to 30%, two suite 40%; provident fund loan amount from the maximum of 700 thousand to 600 thousand; the city household household limit purchase three suites, foreign limited purchase of one suite . The two years' restriction policy has just returned.
the notice on Further Strengthening the regulation of the real estate market issued by the government office of the Ji'nan municipal government points out that the further policy is to maintain a steady and healthy development of the real estate market. According to the general requirements of the state classification and regulation and the general requirements of the city policy, the government has studied the overheating and price of the real estate market by the municipal government. The situation is rising too fast, and further control measures are adopted. The total content of 4 items:
1, the minimum down payment ratio of the first housing commercial loan was raised from 20% to 30%, and the minimum down payment ratio of the two sets of housing commercial loans was raised from 30% to 40%.
2, the maximum amount of the household provident fund loan for home purchase is adjusted to 600 thousand yuan by 700 thousand yuan, and the maximum amount of the individual provident fund loan is adjusted to 300 thousand yuan by 400 thousand yuan; the household household household to buy third housing does not provide the provident fund loan.
3, the household registration family has three housing units, temporarily no longer purchase. Households in the city are not allowed to purchase a flat in Ji'nan.
4, severely punish illegal housing, illegal sales and other acts, crack down on illegal capital flow, and earnestly safeguard the normal order of the real estate market.
the new policy applies to the six districts in Ji'nan, and Changqing district is not within the limits.
according to the introduction, this is the policy of limiting purchase and lending again after two years in Ji'nan. The last limited purchase was in March 2011, the local family banned the purchase of third suites, the family was limited to purchase a suite, and a tax payment or social security certificate should be provided. It continued until July 10, 2014. This time to return to the limit, compared with the last round slightly loose.
bank tightened, recognised the house and recognized
in October 8th, the major banks in the country began to tighten the mortgage policy, the first minimum down payment was raised to 30%, the two suites first paid the lowest 40% and the interest rate rose 10%, and the three suites did not lend. Some banks "recognize the house and recognize the loan", that is, under the family name there is a suite to buy second sets, whether or not to repay the loan, will be calculated according to two suites. Execution is calculated from net time (at 0:00 October 3rd).
in terms of the down payment and interest rate policy, the standards of the joint stock banks such as merchants and Pudong hair have been changed to "recognize the house and recognize the loan". The lowest down payment ratio of all households in the city is raised to 30%, and interest rate discount remains unchanged (currently 10 percent off is the mainstream). If there is a housing under the family name, whether or not it has paid off the loan, second sets of down payment will be 40%, and the interest rate will float 10%.
this is the biggest change before, before the policy is tightened, most banks, such as the postal savings bank and the Bank of Beijing, have "not recognized the housing", that is, although the family has a suite, the first suite is treated as long as the loan is settled. Some banks require a minimum down payment of 20%, while others offer discounts in terms of interest rates. Only when the housing loan has not yet been paid off and the loan is purchased for second suites, the policy of minimum down payment of 30% and interest rate up to 10% will be implemented.
buyers of this situation can be said to be "hit", not only down payment doubled, but also the interest rate changed from 10 percent off to 1.1 times.
the family has two housing units, whether or not to pay off the loan, also according to the standard of two suites. Two mortgages are no longer loans.