Nanjing Yiju recruitment

Recently, it was circulated on the Internet that Nanjing once again adjusted the property market purchase restriction policy, allowing non-local household registration personnel to pay social security to buy houses.

China News Weekly called the Nanjing Real Estate Market Trading Center to learn that foreign household registration can issue a certificate of purchase as long as it has paid social security for six months continuously in Nanjing, and the social security can be paid back, and the collection method is not different.

However, the staff of the center also said that there is no "official announcement" or specific document for this policy.

A staff member of Nanjing Housing and Construction Bureau told China Newsweek that they have also received many inquiries about paying social security to buy a house recently, but they are not clear about the specific policies yet. "We still have to go to the lobby of the city service center and the window of the real estate market trading center, and we can buy it with a proof of purchase."

An industry insider told China Newsweek that CSG's move was intended to test the market reaction and "leave room for itself".

Since the beginning of this year, with the overall downturn of the real estate market, various localities have intensively introduced measures to stabilize the property market, from housing subsidies, generous provident funds, deferred payment of land auctions to subsidized deed taxes.

As one of the central cities in the Yangtze River Delta, Nanjing's property market has always been known as "stable", but this time allowing foreign buyers to pay social security to buy a house has indeed released the signal of loosening the property market.

Many regulatory policies have been introduced before.

The Yangtze River Delta region has always been one of the most important real estate markets in China. According to the data of Anjuke Real Estate Research Institute, in 20021year, the sales volume of new commercial housing in China was15.65 million square meters, while the total sales volume of 4 1 cities in the Yangtze River Delta reached 347 million square meters, accounting for 22.2% of the whole country.

As the "strongest second-tier city" in the Yangtze River Delta, Nanjing's property market is self-evident.

According to the incomplete statistics of China Newsweek, Nanjing has issued the property market regulation policy for more than ten times in more than two months since April this year.

For example, in adjusting the purchase restriction, local residents in Nanjing who are allowed to work in four restricted areas (Gulou, Xuanwu, Qianhuai and Jianye) can buy a second-hand house on the basis of the original restricted quantity. At the same time, for areas outside the four districts, the purchase of new and second-hand houses will be liberalized on a large scale.

The policy of restricting sales has also been further liberalized, so that the title certificate can be listed and traded after three years, and it can be adjusted to be listed and traded after three years from the date of filing the contract.

In addition, the down payment ratio and the amount of provident fund have also been liberalized. Among them, there are many suites under the name, and the mortgage has been settled. The new purchase down payment is only 50%, and the interest rate can be implemented according to the first set; It is the first time to use the housing provident fund loan to buy a second suite, and the maximum loanable amount of the housing provident fund is adjusted to 500,000 yuan/person and 654.38+00,000 yuan/household for both husband and wife.

For the restrictions on foreign buyers, in fact, Nanjing has made adjustments on April 27th, lowering the threshold of "continuously paying social security or individual tax in Nanjing for two years or more within three years" to "cumulatively paying social security or individual tax in Nanjing for six months within 1 year", but it is clearly stipulated that social security cannot be paid back, and the divorced house still traces the family purchase records within two years.

This time, Nanjing released the news again, allowing foreign buyers to buy houses in some areas by paying social security. Yan Yuejin, research director of the think tank center of Yiju Research Institute, believes that this shows that Nanjing's further relaxation of the housing purchase policy will help lower the threshold for foreigners to buy houses and actively release the demand for housing.

"This also shows that Nanjing's intensive property market regulation policy has not significantly boosted the market." Yan Yuejin further explained.

From "one room is hard to find" to no one cares.

According to the data of Tongce Research Institute, in March and April this year, the transaction area of commercial housing in Nanjing was 690,000 square meters and 620,000 square meters, respectively, down by 59.49% and 63.33% year-on-year, with a large decline and an expanding trend.

Li Zai, vice president of Nanjing Real Estate Society, said in an interview with China that after so many years of development, Nanjing's real estate has been relatively stable, and the ups and downs basically keep the same frequency resonance rhythm with most first-tier and strong second-tier cities. However, since August last year, the transaction volume of Nanjing property market began to decline, and the overall trend was declining, which was aggravated by the epidemic.

Li believes that the confidence of buyers is directly related to the property market. To stabilize the development of the property market, we must first boost market confidence.

At the same time, Shanghai, as the leader of the Yangtze River Delta urban agglomeration, was shut down for nearly two months due to the epidemic, which also spread to neighboring cities.

"At least half of the headquarters or regional headquarters of Jiangsu real estate enterprises are in Shanghai." Li told China that due to the closure of housing distribution enterprises in Shanghai, some projects could not operate normally, and even some trading chains were blocked.

He said that at first, only the suburban dishes in Nanjing could not be sold, but now it has spread to the core area of Jiangbei, and the most popular "spicy chicken" dish in Nanjing, the whole market is particularly deserted.

The multi-point spread of the epidemic also made Nanjing miss the best opportunity to repair the market to a certain extent.

Zhou Li, the manager of a real estate agency in Nanjing, told China Newsweek that there was a scene of "10,000 people shaking their numbers" in a popular building in Nanjing last year. Even if the developer requires a down payment of 80%, it is still "hard to find a room", but now the down payment of the same property has dropped to 30%, but no one cares.

It can be said that the popularity of Nanjing property market last year is in sharp contrast with the coldness of this year.

Zhou Li said that after the news that foreign buyers can pay social security to buy a house came out, more people asked him for advice, but there was no unexpected "bursting scene".

"Even if some customers think that the house has the property of investment preservation, it will not be sold easily now." In Zhou Li's view, the new signal will not have much impact on the real estate market in the short term.

At the same time, due to the recent loosening of Nanjing's policy of restricting purchases and sales, the inventory of second-hand houses in the market has increased. Zhou Li believes that this will be a buyer's market for a long time to come. "For most owners, if they want to sell their houses quickly, there may be only one way, and that is to reduce prices."

The earth is seldom cold.

While the market is depressed, Nanjing Tupai is also cold.

On April 22 this year, in the first round of land auction in Nanjing, 8 of the 20 plots were sold at the reserve price, 6 were auctioned off, and only 3 hit the highest price.

The first land auction ended in an unprecedented bleak situation. Most of the real estate enterprises that took the land were state-owned enterprises, and the figure of private enterprises has become less and less common. Public opinion believes that in the current market environment, the survival and financial pressure of private enterprises is more arduous, and it is more difficult to get land.

In 20021year, Nanjing's land transfer income reached 210 billion yuan, and its financial dependence on land (land transfer income/general public budget income) exceeded 100%.

Some analysts pointed out that land transfer fees are still a very important part of local finance, especially under the impact of multiple rounds of epidemic, the downward pressure on the economy has increased, and the downturn in land transactions directly affects local fiscal revenue.

"Nanjing's land sales target this year is estimated to be similar to last year, but the first round of land auction this year is only1910.75 billion yuan, and the annualized completion rate is only about 20% as expected." Li believes that this will bring great pressure to the second round of soil auction.

After the results of the first round of local auctions came out, many people in the industry had predicted that before the second local auction, Nanjing might introduce a new rescue policy to further stimulate the market.

In fact, the release of the new signal of the property market is also the stage of the second batch of centralized land supply in Nanjing.

It is reported that Nanjing will hold the second land auction on July 12, and it is estimated that 44 commercial residential plots will be sold, with a total selling area of1969,900 square meters, a total construction area of 4,523,600 square meters and a total starting price of 75.58 billion yuan.

Among these 44 commercial residential plots, the 13 plot is subject to "differential pricing", that is, there is no rough price limit, but the remaining 3 1 plots will continue to implement the rough price limit policy. However, the price limit in several districts has been raised.

For example, the price limit of the homestead in the southern new city is 47,500 yuan to 48,000 yuan/square meter, while the highest blank price limit in this area is 45,300 yuan/square meter, up about 3,000 yuan/square meter; The price limit of blank in the south of Hexi is 48,000 yuan/square meter, which is 1.650 yuan/square meter higher than before; The price limit of the homestead blank in the middle of Hexi is as high as 55,000 yuan/square meter, which has set a new record for the price limit of Nanjing blank.

Yan Yuejin believes that the rise in the price limit of these residential land means that Nanjing's current land supply policy is more open than before.

He said: "Nanjing's further relaxation of the property market policy will have some impact on housing enterprises, that is, the land acquisition of housing enterprises will be linked to the expectations of the follow-up market. If there is room to boost the housing sales market, then the enthusiasm for subsequent land acquisition will naturally increase, which will help market confidence to be transmitted from the sales end to the supply end. "

It is not easy to bottom out.

According to Wang Daguo, the head of Jiangsu Lanting Enterprise Consulting Management Co., Ltd. and a senior real estate developer in Nanjing, the development of Nanjing property market still faces two shortcomings: population and location.

Population is a seemingly long-term basic force, which can affect the property market and housing prices. Wang Daguo believes that if Nanjing wants to reverse the downturn in the property market, it needs to pay attention to the demographic dividend.

But in recent years, Nanjing's population control has been very strict.

According to the data of the seventh national census, the permanent population of Nanjing reached 93 1 1 in October 2020, which was only 13 1.6700 compared with the sixth national census. Although the population growth is not small, it is somewhat inferior to other strong second-tier cities.

During this period, the number of people in Xi increased by 4,485110,000, that in Chengdu increased by 58 1.89 million, and that in Guangzhou increased by 5,975,800.

Some analysts believe that the geographical location of Nanjing also limits its development to some extent.

Nanjing, nicknamed "Hui Jing", is located at the junction of Jiangsu and Anhui, and is surrounded by Anhui on three sides. Therefore, Nanjing Metropolitan Area is an inter-provincial urban agglomeration, covering Nanjing, Zhenjiang, Yangzhou, Huai 'an, Liyang and Jintan in Jiangsu Province, and Maanshan, Chuzhou, Wuhu and Xuancheng in Anhui Province.

Wang Daguo believes that this not only brings new development opportunities to Nanjing, but also limits its development to some extent.

"China's administrative system has a great influence on economic development. It is impossible for Anhui cities to cater to Nanjing everywhere, and the development of connected cities such as Chuzhou, Maanshan and Wuhu is not as good as Nanjing. For the time being, it is more to promote the development of surrounding cities through Nanjing. " Wang Daguo believes that it is difficult to form a situation of coordinated development with neighboring cities, which also limits the better development of the Nanjing property market.

Therefore, he suggested that Nanjing should introduce more talent purchase policies while loosening the property market, so as to attract more high-quality talents to settle in Nanjing and further enhance the city's competitiveness. At the same time, strengthen housing security for low-income families and reduce excessive intervention in high-end products in the property market.

"The differentiation of the urban real estate market should be the norm, and at the same time, low-income people should live, so that high-income people can match the right products according to their own needs in marketization." Wang Daguo said.

He believes that Nanjing has developed science, education, culture and health, prominent transportation hub, complete manufacturing industry chain and huge middle class group. As long as the purchase restriction policy can be further loosened, the property market will gradually pick up.

Li also believes that the Nanjing real estate market has been backed by policies and it is impossible to plummet again. "But the current situation is still very serious." After the property market really bottoms out, it may not be easy to pick up.

(At the request of the interviewee, this article Zhou Li is a pseudonym.)