Levy a tax, buy a house, busy check-out, Ji'nan second-hand housing market
Intern of the reporter, Zhang Dandan
March 25th, the housing tax collection in Ji'nan is levied by the fixed rate of 1% of the real estate sales price, to the 20% of the sale price difference, and is executed immediately on the same day. The news came suddenly, so that the buyers and sellers of the second-hand housing market were surprised, and the real estate agencies were caught unprepared. In the past two or three days, many intermediaries have received more than three or four customers more than weekdays, so the brokers are depressed, most of these customers come to consult or go through the check-out procedure.
credit, policy and pressure on second-hand housing market
in accordance with the adjusted policy, from March 25th, the personal income tax on second-hand housing transactions has been adjusted: if less than five years, the only housing of the family, the individual income tax according to the price difference of 20%; for example, the family's only housing is full for five years. It can be exempted from personal income tax; but if it is a family of two suites, regardless of the number of years, personal income tax is collected by 20% of the difference.
after the end of last year's second-hand housing transaction tax exemption period from "2 to 5", this adjustment is no doubt a second policy to contain the second-hand housing market policy "heavy punches". In addition, after the Spring Festival, the second-hand housing credit policy of the bank has also been tightened, and the first payment has been raised, the interest rate has increased and the audit is strict.
under the double containment of credit and policy, the industry is generally expected that the second-hand housing market in Ji'nan will enter the adjustment period, but the price trend is not clear.
intermediary think that the adjustment of
tax policy will be released on the same day that day is implemented, obviously not left to the real estate agency enough time to "digest", many real estate agents are more excited when they accept reporters. "This kind of policy has no effect on restraining housing prices. Wool comes out in sheep's clothing. Whoever buys a house always buys and pays taxes." Zhang Congqi, the owner of the twenty-first Century real estate choshan Street store, said.
he believed that the tax adjustment had a great impact on the second-hand housing market in Ji'nan, which he had to pay nearly 10 times the amount of taxes he had to pay, and the highest need to pay nearly 80 thousand yuan. Most of the transactions have been stagnant for the past two days. Only the demolition houses and the housing reform houses are still trading because they are not affected by the policies.
intermediary generally believes that it is understandable to understand the intention of tax adjustment policy to curb speculative buying and stabilizing housing prices, but the effect may be counterproductive. Liu Shenqiang, a broker of the Maya real estate company, said that the more taxes and sellers would not be responsible, and eventually they would be added to the housing price, which would be borne by the buyers.
for example, a house with a buying price of 250 thousand yuan for the dormitory of the chemical fiber factory is sold for 500 thousand yuan. It is only about 1% of the total price, and it is about 5000 yuan. And now the tax payment needs to be 50 thousand yuan, which leads the house owner to raise the price of the house to 550 thousand yuan.
buyers are reluctant to spend a lot of money to choose a "check out"
the sudden change in the policy has also made many of the ongoing transactions "emergency brake". In particular, those who have signed a purchase contract but have not yet handled the formalities of the transaction, in the face of a sudden more tax, both the buyer and the buyer need to sit down to talk.
vibration Lu real estate agent Li Changle said that most of the sellers would rather not sell it now, and they will not pay the money from their own pocket, and the property of the buyers for the sudden more money is also limited, so the "check out" has become a common phenomenon. Li Feng, the property broker of the court, said that after the tax policy was adjusted, only a small number of housing transactions had little difference, and the transaction could be carried out normally; other contracted customers had chosen to cancel the sale contract. Xing Cheng, manager of the Mayan real estate shop at Thousand Buddha Hill, also said that the tax adjustment was too hasty, leading to many discussions about good business.
in a real estate company of culture east road, Zhang Da sister, who has just completed the "check-out", is depressed. She said that the old two last year to see a year before a set of second-hand housing, to buy a child as a marriage room, originally prepared to run the family, the landlord said that the tax has risen, to add more than 70 thousand yuan.
for Zhang Da Jie's two old friends, there is really no place to borrow the 70 thousand yuan, but in desperation, she has to give up. The child is getting married in May. Now I really don't know where to let my new daughter-in-law go.
Shanghai similar policy in 24 hours to adjust the
interviews, many intermediaries and buyers think this policy is short, and will soon be adjusted and relaxed. On the basis of the fact that Shanghai implemented the same policy in 2007, it was less than 24 hours after the announcement of the tax announcement. At that time, when the tax department was under pressure from all sides, a supplementary notice was issued on the first night of the implementation of the new regulation, which means that "1% of the purchase tax can still be taxed".
Xing Cheng said that the policy has just been adjusted and has not been stabilized yet, and the Municipal Administration of housing has no specific statements, so it is possible that the tax policy is only a short-term test, and it will not be carried out for a long time. Li Feng said, if long-term implementation of this policy, "the house can not be sold." At a time, the tax pressure of tens of thousands of dollars is high on the high housing prices, and no one can afford it.
, therefore, many intermediaries and buyers are full of expectations this week, hoping to have follow-up policies.
scholars believe that tax adjustment can inhibit the opposition of house prices
relative to the one side of real estate agents. Li Tiegang, vice president of the school of economics of Shandong University and director of the real estate research center, believes that this tax adjustment can play a role in restraining house prices in the long run.
Professor Li said the tax policy was made to adjust people's investment and purchase behavior, and the adjustment was mainly to curb investment. "Investors want to earn part of the difference in the middle part of the tax increase, this part of the tax increase, also inhibited the enthusiasm of investment."
no high profit, people who have real estate do not rush to sell their houses. This slows down the transaction speed of the second-hand house, the speed is down, and the overheated speculation will converge.
the problem of "policy lack of a buffer" for mediator complaints, Professor Li's explanation is that this adjustment belongs to "over speed parking", and the faster the brakes work.
in addition to this, Professor Li also said that as the same industry in the second-hand housing market, the new housing market will gradually slow down the rising trend with the adjustment of house prices. "It's like the price of bread is cut down, and the cake will be cut down for a long time. This is the same reason."