Will the purchase price in Jinan go up or down?

It is reported that the property market in Jinan released a blockbuster in the middle of April 19, and the purchase restriction policy was upgraded again, and the most stringent purchase restriction in Jinan struck. Since the 20th, Jinan has purchased a second home for registered residents, and the down payment ratio has increased to 60%. The proportion of first-home loans for non-registered households has increased to 60%, and the longest term of commercial loans has been shortened to 25 years. At the same time, Changqing Zhangqiu was also included in the scope of purchase restriction. Houses purchased in the restricted purchase area can only be listed and traded after the real estate license has expired for 2 years.

This upgraded purchase restriction policy is called "the strictest in history" by many people. The Notice regulates the market in terms of land supply, credit and sales restriction. From the perspective of land supply, based on the principle of "increasing the total amount, controlling hot spots and balancing land supply", we will implement accurate land supply and stabilize the land market. For land transfer, it is required to guide enterprises to bid rationally. Improve the pre-sale conditions of the project by combining the premium rate of land transfer. If the premium rate of residential land transfer is above 100% (inclusive), you can apply for pre-sale permit of commercial housing only after the main structure of the project is completed; If the premium rate reaches 150% or above (inclusive), the pre-sale permit for commercial housing can only be handled after the project is completed and accepted. Set the maximum price limit for the transfer of residential land. When the bidder's quotation exceeds the maximum price limit, it will be sold according to the construction of competitive infrastructure or public welfare facilities.

Developers limit real estate speculators, will house prices fall?

Jinan's purchase restriction policy was upgraded again. For the first time, the local auction price is linked to the pre-sale time, the credit policy is introduced, the second suite recognizes the house and the loan, and the interest rate of the provident fund rises; The real estate license is not allowed to be sold until two years later. The restricted purchase area was also extended to Changqing District and Zhangqiu District for the first time. What impact does the upgraded purchase restriction policy have on the market? Jinan Construction Department and related experts interpreted this.

Increase the cost of land acquisition? Reduce irrational behavior

In 20 16, there were frequent land kings in Jinan, and Guodian plot was auctioned in September, with a premium rate as high as 7 19%. The irrational bidding of enterprises has raised the land price and triggered the irrational rise of surrounding housing prices. Therefore, this regulatory policy points out that enterprises should be guided to bid rationally. Measures taken: first, improve the pre-sale conditions of the project in combination with the premium rate of land transfer. If the premium rate of residential land transfer is above 100% (inclusive), you can apply for pre-sale permit of commercial housing only after the main structure of the project is completed; If the premium rate reaches more than 150% (inclusive), the pre-sale permit of commercial housing can be handled only after the project is completed and accepted, which is equivalent to the sale of existing houses.

An industry insider in the provincial capital said that in the purchase restriction policy of 65438+February 26 last year, it was stipulated that the pre-sale permit for commercial housing could not be processed until the main structure of residential units above 12 floor was completed. This purchase restriction has further raised the threshold of the pre-sale certificate.

Raise the interest rate of provident fund loans for the first time

This tightening is not only for commercial loans, but also for provident fund loans. According to the policy, the interest rate of the second-home provident fund loan rose for the first time, which was 1. 1 times of the benchmark interest rate. Similar policies are also reflected in the purchase restriction policies of other cities, but this is the first time that Jinan's purchase restriction policy started last year involves the adjustment of the interest rate of provident fund. In addition, the policy will also cancel the policy of drawing housing provident fund with proof of paying housing maintenance funds. These two provisions are proof of the tightening of the provident fund policy.