source: the Ji'nan times
the "rebound" trend of housing prices in some cities, the central government departments jointly issued a new property new deal called "the two regulation" in September 29th. Compared with the policies promulgated in April, the policy is more stringent and clear, and the further expansion of the scope of regulation is the main feature of the new deal. So, under the two regulation, where the Ji'nan property market?
1 asked the buyer
the buyer decided to wait for another
after the new regulation policy was announced, Zhao Jun, who has been busy looking around the house, told reporters that he has been watching the house from the beginning of the year, the new house, the second-hand house have been seen. Quite a few, after the policy was introduced in April, he waited for a period of time. "But from the beginning of last month, I can't sit down a little. Many people in the house say that house prices are going to rebound. I didn't care much at first, but I saw a lot of real estate prices starting to rise, so it was a little anxious."
Zhao Jun said he had been in a state of concern in the near future, although he was still hesitant about high house prices, but worried that house prices would rise again, thus speeding up the pace of buying a house, once determined to set the next set. But now, with the new policy coming out, he decided to wait a little longer. "Our real estate is to recognize, originally to recognize a lot of people, but today basically there is no phone, many of the original very anxious homebuyers all of a sudden about the calm, it is estimated that two days will come back. A sales staff of a real estate told reporters yesterday.
two asked developers
developers some calm passive
"unexpectedly, really did not think of the point on this point of the country policy, originally thinking how to get eleven later." A person in charge of a real estate company in Ji'nan told reporters that they were prepared to increase their strength in October, but now the sales strategy may have to be adjusted again. In the view of this responsible person, the state chose this time to introduce the policy intention very obviously, that is not to let the property market burn another fire in eleven.
it is understood that, in the country after the introduction of policy, although the current market has not had a significant impact on the whole property market, but because the policy is more abrupt, some of the developers who have already made a good national day and the whole October marketing strategy are somewhat unprepared. A person in the industry, from the current view, early sales of poor property, developers will certainly take out the response as soon as possible, through the adjustment of marketing strategy, seize "silver ten" to increase shipments. And from the development of the reporter's interview, some enterprises in the early period through low price into the market and a large amount of preferential treatment are very calm, and some have been "hard to carry", the later "rebound" of the enterprise is very passive.
"our company has been meeting today to study policies and find new solutions." The head of a frontline Developer Enterprise said. Another developer related responsible person told the reporter, from now on, although the policy is very fine and operational, but they do not have much impact on them, "the marketing strategy during the eleven period is not necessary to adjust." According to the person in charge, the company's two projects in Ji'nan were sold well in the early period, most of the small and medium sized housing for first buyers had been sold out, so the first home buyer's first payment ratio was raised, which would not have any impact on them; the company is selling housing mainly for the improvement and investment buyers. Family products, from the present, a considerable part of the improvement of the property buyers for a one-time full - money purchase, and more than three sets of investment property has been unable to deal with commercial loans before, so the impact of the new policy is not very.
policy is not implemented. It has become the biggest obstacle for the central government to implement policies. Recently, the "people's Daily" launched the "2010 Online Survey of 10000 people's housing price questionnaire", involving more than 46 thousand netizens. 8 of the Internet users said that the control and implementation of the poor, the reasons for the selection of the top three in the first three of the "local government in the regulation and control of no due diligence" (74%), "the control policy has not been fully implemented, the effectiveness is digested by the market" (68.4%), "regulatory agencies are not severely punished for illegal developers" (66.6%).
"this policy is to see the effect, not action, which can maximize the mobilization of local initiatives to implement the new policy and stabilize housing prices." Li Tiegang believes that, facing the question of the masses, the central government is very aware that if the "ten new countries" can be truly implemented, house prices will not continue to soar; the "bundling" relationship between the local government and the land makes it extremely difficult to implement the original policy. Strengthening accountability and better implementation of existing policies has become a top priority. "Strict implementation of the accountability system, implementation of the policy is not in place, the work is not effective, we need to engage in interviews until the accountability." This is a warning from the central government to local officials and a basis for further measures.
four asks house price
the short-term house price will not have a big change in
Li Tiegang, Dong Fawen, general manager of the general manager of Tian hair group, and Zhao Luliang, the general manager of Shan Fang network, all think that the comprehensive analysis of the regulation and control, especially this proposed "speeding up the reform of the real estate tax reform, has gradually expanded to the whole country." The signal of the long-term regulation and control of the property market is more obvious. The irrational expectation that the developer will rise after the housing price regulation is not advisable. It should not expect that the real estate development can continue to bring the profit, but should comply with the situation needs, pursue reasonable profit and realize rational development.
the new policy stipulates that taxpayers who sell their own homes and re - purchase within 1 years are no longer exemption from personal income tax, while strengthening the supervision of intermediaries. In this regard, Gao Chunhui, a director of the Ji'nan regional division of real estate in twenty-first Century, said that although the market price trend does not depend on the operation of intermediary agencies, it can not exclude some of the previous medium and small medium has irregular behavior, the state to strengthen the management of the intermediary, for the industry and large brands, only the benefits have no bad effect. As for the adjustment of the tax policy, will it affect the supply of the second-hand housing market and the future rent, Gao Chunhui said, if the buyers and the landlord continued to watch, the second-hand housing sales may be affected, the housing is likely to be short, and with the increase of rents, the rent can be increased. But at the same time, she said, from now on, the buyers and sellers have been watching the heavier period, "everyone is more rational, it will be the hand of the hand, it is estimated that the impact of the second-hand housing market will not be too big."
industry and experts believe that, from now on, in October, a considerable number of developers should see the market trend, by reducing the price, discount and other ways to push the market, the market supply will be significantly increased, but in the short term, there will be no obvious decline in the price. For the special needs of housing consumers, in the case of more adequate housing, more favorable sales prices, more opportunities to choose, according to their own opportunity to buy a purchase, and not to wait and see. (reporter Liu Yanbo) (reporter Liu Yanbo) five asked direction />
control to help stabilize the market expected
the vice director of the policy research center of the Ministry of housing and urban construction, the Ministry of housing policy research center, researcher Qin Hong said that the national relevant ministries and commissions issued in September 29th real estate regulation policy has positive significance to restore confidence and stabilize the market expectations.
Qin Hong said that after 5 months of the introduction of the "ten country", the government made "five policies", which showed the government's determination to adhere to the direction of regulation and consolidate the results of the regulation. It will dispel the wait-and-see attitude of some local governments and the fluke mentality of enterprises, reestablish people's confidence in regulatory policies, and stabilize market expectations again.
to this policy goal, Qin Hong believes that the policy intention of deepening the implementation of the "ten articles of the country" is clearly embodied in four aspects: first, it is required that the local rules and regulations have been issued and the detailed rules and regulations have been issued, and the policies and measures issued by the relevant ministries and commissions of the state are to be adjusted and perfected. Carry out the accountability system. Qin Hong said: "this will effectively control the demand for investment housing, and block the opportunity for the transfer of investment housing areas."
two is the full implementation of the differential credit purchase policy, especially the policy of "suspending the purchase of third or more housing loans for residential families and non local residents who can not provide proof of local tax proof or social insurance for more than one year." The flexible space of policy implementation has been eliminated, and the policy effect will become more apparent.
three is to strengthen the supervision and examination of the housing construction plan and the actual completion of the land supply plan, the city where the housing prices are rising too fast, to increase the total supply of residential land, and to increase the implementation policy of the affordable housing. Qin Hong said: "this will effectively increase the effective supply of housing and reverse the supply-demand relationship of the market."
four is once again reaffirming the responsibility of the government and strengthening the supervision of market order, which will effectively control the unreasonable rise of house prices.
reporter yesterday interviewed a number of bank mortgage departments in charge of the city, the industry in combination with the current housing loan policy in our city to interpret the new deal, which will have a greater impact on the Ji'nan property market. In fact, in order to improve the capital adequacy ratio, some banks have already stopped third sets of mortgage loans and cancelled the first suite of interest rates, the implementation of the policy "strict" over the state policy, it can be said that the housing loan policy has been fully tightened.
"the old buy new" road blocked
yesterday morning, the reporter interviewed a number of bank mortgages in charge of our city, they all said that the new policy has been carefully studied. The head of the retail banking department of the Shenzhen Development Bank Ji'nan branch said: "the new policy has a great impact on Ji'nan, especially the psychological impact on home buyers. The first set of first payment ratio is increased and third suites are prohibited. The two policy adjustments are much more concerned, but in fact, the bigger impact is the prohibition of consumption. Sex loans are used to buy housing. "
after a large increase in the second suite loan threshold, some citizens take the "old buy new" mortgage way to buy housing, can reduce the interest rate cost, is a "curve" loan to buy second suites or third suites.
the head of the individual loan department of Ji'nan branch of China Merchants Bank said that the Bank of China Merchants Bank was in the front of the risk control. In order to prevent consumer loans from buying a house or entering the capital market, a set of procedures was designed to control the flow of funds. It was impossible to buy a new house for a mortgage.
down payment to improve the impact of rigid demand
new deal before the introduction of the new deal, our city banks for the public to buy less than 90 square meters of the first set of housing, down payment of at least 20%, the new deal will increase the rate of all mortgage down to at least 30%. CITIC Bank, Ji'nan branch of the head of the loan center, the original first paid 20% of the home buyers about 20% of the total loan buyers, there are two kinds of cases, one is because the amount of money is barely enough to collect 20% young buyers, the two is to do business needs a small owner of turnover funds. The increase in the proportion of down payment has a certain impact on the rigid demand. On the one hand, the state stipulates that the credit policy is tightened. On the other hand, the supervision department is also the regulator to guard against the risk that the bank may fall out of the price of the house price. Once the price falls more than 20%, the will of some lender will be down and the bank will face a bad time. It is very necessary to raise the down payment to at least 30%.
the responsible person in charge of the industrial and Commercial Bank of Daguan branch believes that the increase in the proportion of down payment not only affects the psychology of the buyers, but also affects the psychology of the developers. After the introduction of a round of regulation policies in the property market, the developers rely mainly on the rigid demand. Gold's consideration is bound to make concessions in terms of price.
strict defense of local people, foreign land man
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" in April this year, "country ten" only requires Shanghai, Beijing and other large cities to suspend the loan, most of the banks in our city can still handle third suites of loans, the first payment of the general 60%, the interest rate floating 20%-50%. This full stop third suites loan, China Merchants Bank related responsible people think: "the actual impact is not big, in this few months we have only done one or two third suites loan business in Ji'nan, many people want to buy third suites will be fully purchased, because the loan cost is too high, the overall stop brought more psychological impact, this It reflects the government's determination to control the real estate market. The head of CITIC Bank said that two months ago, the head office of the bank had asked for a total stop of the third suite loan.
can not provide more than one year of local tax proof or social insurance to pay non local residents, if you want to buy a house in Ji'nan, the implementation of the second suite loan policy, that is, the first payment of 50%, the interest rate up to 10%. The introduction of the new deal obviously blocked the way for foreigners to make a real house in Ji'nan. The bank personages reflect that the outsiders who bought houses in Ji'nan were mainly from other cities in the province, and few professional speculators.
some banks cancel the first suite interest rate />
although the related policy does not cancel the first suite thirty percent off interest rates, but the thirty percent off interest rates are now "dead in name", and most banks carry out the 15% off preferential interest rates. The two banks have cancelled the interest rate discount of the first suite in Ji'nan and implemented it according to the benchmark interest rate.
why the mortgage policy of commercial banks is more severe than that of the state? Industry analysis, this is mainly due to the consideration of the bank's own development. In accordance with the requirements of the regulatory authorities, the bank should further improve the capital adequacy ratio, and must give up low profit business and seek to bring higher profits. Run business. Some banks, after raising the threshold of the mortgage interest rate, are actually giving up the market actively and changing the loan business that can be floating on the interest rate, such as business loans.
a number of bank related leaders believe that the tightening of the two and three suites have been tightened, and the first suites that should have been supported have also raised the threshold. The next country continues to rely on the credit policy to regulate the real estate market without much room, and may make more use of the tax policy. Control.