Shenzhen second-hand housing new deal 24 hours

In less than 24 hours, the butterfly effect of Shenzhen's new housing price policy is emerging.

On February 8th, Xie Peng (pseudonym), a real estate agent in Shenzhen, experienced a day of ups and downs. On the morning of 10, he made an appointment with his clients to go to the fourth phase of Meilong Town in Jindi, Longhua District, Sunshine Xinyuan, chansons, Lv Jing and other residential areas to see the house in the afternoon, so as to sprint the Spring Festival sales window.

At noon 12, Shenzhen Housing and Construction Bureau issued the Notice on Further Promoting the Stable and Healthy Development of the Real Estate Market in Shenzhen (hereinafter referred to as the Notice). According to the notice, Shenzhen Housing and Construction Bureau will establish a reference price release mechanism for second-hand housing transactions, and regularly release the reference prices of 3,595 sets of second-hand housing transactions in Shenzhen. At the same time, Shenzhen Housing and Construction Bureau issued the Reference Price List of Second-hand Housing Transactions in Residential Areas in Shenzhen (hereinafter referred to as the Price List).

In the price list, the reference prices of Jindi Meilong Town Phase IV, Sunshine Xinyuan and Lv Jing chansons are 56,000 yuan/square meter, 55,000 yuan/square meter and 65,000 yuan/square meter respectively. However, according to the price previously known by Xie Peng, the market price range of the fourth phase of Meilong Town in Jindi and Sunshine New Garden is 75,000 yuan/square meter, while the market price range of chansons in Lv Jing is 80,000 yuan.

Because there is a big difference between the market price and the reference price, the customer is still in the initial stage of viewing the house, so it is impossible to sign online on the day of viewing the house. Xie Peng discussed with customers, first look at the implementation of the policy and the subsequent market reaction, and then decide on the next house viewing plan.

At five o'clock in the afternoon, the person in charge of Xie Peng's Shenzhen real estate agency company attended the emergency meeting held by the Shenzhen authorities. At the meeting, the intermediary company was asked to remove the houses with reference prices above, and the intermediary individuals were not allowed to post houses with reference prices above on social media. Xie Peng revealed that the participating institutions, including the heads of appraisal companies and major intermediaries, have extensive influence.

At 8 o'clock in the evening, Shenzhen Shell, Leyoujia and other institutions issued announcements one after another. Shenzhen stores are subject to the reference price of second-hand housing transactions, and window advertisements are not allowed to publish houses with a unit price exceeding the reference price of second-hand housing transactions. At the same time, a number of companies reminded that on February 8 th, all the completed online signatures must be sorted out to prevent other changes in the future.

In the afternoon 10, Shenzhen Shell, Q Housing Network, Leyoujia and other intermediaries successively pulled down high-priced houses, blocking the transaction price and listing price. Xie Peng revealed that on the evening of February 8, many peers signed online overnight to avoid the cost increase caused by the second-hand housing reference price mechanism.

Until now, the major banks have not adjusted their loan policies, and the implementation rules of the New Deal have not yet been promulgated. Intermediaries, property buyers, investors and developers are anxiously waiting for the results.

Five intermediaries block the price of second-hand houses.

Overnight, the prices of Shenzhen Shell, Q Room, Leyoujia, Zhongyuan and Midland Property all disappeared.

Times Weekly reporter found that the websites and apps of the five major intermediaries, the listing price and transaction price of all second-hand houses all showed "no price for the time being".

Source: Shenzhen Shell Network

At the same time, the number of second-hand houses on sale is also decreasing.

At 7: 30 pm on February 8, Shenzhen Shell Network sold 32,084 sets of second-hand houses; On the morning of February 9th 1 1: 30, the number of second-hand houses for sale in Shenzhen Shell Network was 3 1874, less than 2 10.

It is worth noting that the shell index, which reflects the average transaction price, the number of visits and the number of new houses, was also removed from the shelves on February 9.

"In fact, Shenzhen intermediaries have been in charge of prices, but this time the intensity is unprecedented." Xie Peng revealed that Deep Shell didn't display the houses whose transaction price was obviously higher than the market price. The "demon plate" was not publicly released in Hengbin City on platforms such as Shell, Zhongyuan and Q Room. But regardless of the price, it is the first time that the whole network has been banned.

Middlemen block price information and rectify discipline internally.

On February 8, Leyoujia Shenzhen issued an important notice, requiring all employees of the brokerage company not to comment on the relevant views of the reference price policy for second-hand housing transactions in various public channels (such as friends circle and major WeChat groups).

Stores in Shenzhen shall be subject to the reference price of second-hand housing transactions, and window advertisements shall not publish houses with a unit price exceeding the reference price of second-hand housing transactions. Window advertisements can be changed to release ten promises and ten guarantees, new houses/rented houses, or other contents specified by the company.

In addition, Leyoujia internally requires brokers to give risk warnings to buyers. It is not excluded that the loan price may be lower after signing the contract, resulting in an increase in down payment.

On the same day, Shell Shenzhen issued the "Reference Price of Second-hand Housing Transactions in Shenzhen Residential Quarters", which severely punished behaviors such as interpreting the New Deal, taking the opportunity to speculate and predicting housing prices, with the lightest deduction of 3 credit points and the heaviest deduction of 12 credit points (red line).

On February 9, Shenzhen Real Estate Agency Association issued a document reminding all real estate agencies and agencies to resolutely implement the release mechanism of reference price for second-hand housing transactions, actively publicize the requirements of the Notice to owners, and urge owners to rationally adjust the entrusted quotation. At the same time, it is suggested that all real estate intermediaries and intermediaries should reasonably publish housing advertisements online and offline based on the reference price.

"The entire second-hand housing transaction industry chain will be affected. After the reference price mechanism came out, the evaluation company that had previously conducted loan evaluation was completely indifferent. If enforced, the market will enter a long freezing period and the intermediary business will be cold. Evaluating real estate according to the reference price will also frustrate commercial loans ... "Xie Peng said that the influence of the second-hand housing price reference mechanism is very wide, but the key to the impact on the market depends on the implementation details.

Buyer battlefield transfer

On February 9th, Wang Feng, director of Shenzhen Real Estate and Urban Construction Development Research Center, explained the policy, saying that banks would take the official reference price as an important reference for lending, and the reference price would be updated with the market changes.

A number of industry insiders told Times Weekly that the key to the market effectiveness of the second-hand housing reference price mechanism lies in whether banks issue loans at the reference price.

On the same day, Time Weekly reporter learned from a number of large commercial banks that by 3 pm on the 9th, no notice of adjusting the policy was received, and the loan details were still implemented according to the original policy.

A bank personal loan manager told Times Weekly that the bank would ask customers to sign a risk letter of intent to understand the details of the reference price, and then customers would choose whether to lend at the market price.

The implementation rules of the bank have not yet been issued, and a series of market reactions have been fermented.

The second-hand housing price reference mechanism landed, and Xiao Li (pseudonym) who just needed to buy the first suite breathed a sigh of relief.

Xiao Li believes that if there is no policy, the price of second-hand housing will continue to rise or even jump, and the down payment will also rise. Next, Xiao Li plans to move to a new home.

"Second-hand houses with a unit price of 40,000-50,000 are mostly communities with no gardens, old buildings, insufficient parking spaces and poor property. At present, second-hand taxes and fees are high. If the down payment was raised at that time, then you really don't have to consider second-hand. " Xiao Li said that if the bank loan is executed according to the reference price, the down payment may increase the part where the reference price is lower than the market price, so the second-hand house has no advantage.

"Old irons, there are reliable relocation channels to introduce to me." On February 9, Shenzhen real estate investor Li Hua (pseudonym) began to look to the relocated houses. The relocated house is the house that the developer compensates the original owner after the land is expropriated. The number of houses that do not need to be purchased is allowed to be listed for sale. The price is lower than the market price, but a one-time payment is required.

In Li Hua's view, if the second-hand housing price reference mechanism is enforced, the down payment cost of second-hand housing will increase and the profit margin will decrease. At the same time, under the combination of checking running water, checking fake marriage and checking the source of house purchase money, it is too difficult for Shenzhen to "innovate" and the certainty of purchase is reduced.

"If the down payment for second-hand houses is to be raised, we might as well buy the relocated houses in full, which is cheaper." Li Hua plans to look for opportunities in the relocated housing market after the Spring Festival. However, he is also worried that after the threshold of Shenzhen commercial housing market is raised, most people will squeeze into the track of resettlement housing, thus raising the price of resettlement housing.

How does the second-hand housing price reference mechanism affect the market?

On February 8, Zheng Shulun, managing director of Shenzhen Zhongyuan, issued a document saying that the complexity of managing the price of second-hand houses is far greater than that of new houses, and it is very difficult to control. By publishing the reference price, the Housing and Construction Bureau allows the market to trade in a transparent scenario and guides the development of second-hand housing prices in a more reasonable direction. However, the reference price is much lower than the actual transaction price in the market, and it will be difficult to implement. If it is close to the transaction price, it will not be difficult to implement.

"The reference price is more of a statement, telling the market that the government began to control the price of second-hand housing. In the next step, it is not excluded that the government will consider making loans and transfers at the reference price. Announcing the reference price is only the first step. " Zheng Shulun said.