Shenzhen's over-expectation control policy: I am afraid of taking over, and the 200,000 deposit is not needed.

After n times and n versions of rumors in the Jianghu, today's regulatory policy in Shenzhen finally landed as "everyone" wished. Eight departments, including Shenzhen Housing and Construction Bureau, Shenzhen Planning and Natural Resources Bureau, Shenzhen Market Supervision Bureau, Shenzhen Public, Shenzhen Local Financial Supervision Bureau, People's Republic of China (PRC) State Taxation Administration of The People's Republic of China Shenzhen Taxation Bureau, China People's Bank Shenzhen Central Sub-branch and Shenzhen Supervision Bureau of Bank of China Insurance Regulatory Commission, jointly issued a notice, which is very rare in the history of Shenzhen regulation.

What is even more rare is that apart from the official, the folk team of "Everyone" has also grown unprecedentedly, including people who want to buy a house, intermediaries, investors, and even sellers who join the expectation control team. The appeal is also unprecedented, and the adjustment is pressing.

How nervous was the market about supervision before the boots landed? Every time there is an online version or the voice of "wolf coming", there will be a wave of night watchman in the media. Even when rumors are rampant, even intermediary companies deliberately arrange their own small series to work overtime until midnight 1 1 point, just to wait for policies.

"Learning from Changsha is stricter than Changsha"

Everyone is so eager to wait for the introduction of the New Deal, which is related to the rapid recovery of the market after Shenzhen revised the luxury tax standard last year. It has a lot to do with the chaos such as the owner jumping out to control the market, tens of millions of luxury houses, commercial loans flowing into the property market, the return of tea fees, and the lottery of thousands of people.

Of course, after that, Shenzhen did not let the market drift. Warnings and regulatory policies are common in all regions. Baoan District issued a notice to resolutely crack down on the illegal behavior of "tea fee". The Housing and Construction Bureau suspended the online signing of over-marketing luxury houses, requiring intermediaries to remove houses with a price of more than 200,000 yuan/square meter and so on.

But it doesn't seem to work. Since the recovery of the epidemic, the property market transactions have been climbing. In June, with the joint efforts of the people of the whole city, the transaction of second-hand houses in Shenzhen broke through 10,000 sets in one fell swoop, setting a new high in the past four years.

After many years, anxiety has become a high-frequency word among almost all people related to Shenzhen property market. Until early July, Ni Hong, Vice Minister of Housing and Urban-Rural Development, went to Shenzhen for investigation. Although the minutes of the online meeting only talked with real estate enterprises, intermediaries and experts, they did not make too many statements on the property market.

Shortly after Ni Hong, Vice Minister of Housing and Urban-Rural Development, went to Shenzhen for investigation, in July 10, official website, Housing and Urban-Rural Development Bureau of Changsha, disclosed the news that Shenzhen Housing and Urban-Rural Development Bureau went to Changsha for investigation. Changsha introduced the practice and experience of real estate market regulation to Shenzhen. The inspection team of Shenzhen Housing and Urban-Rural Development Bureau spoke highly of the effectiveness, advanced experience and typical practices of Changsha's real estate regulation and control, and expressed the hope to continue to strengthen exchanges and learn from each other's advanced experience.

A few days after returning from Changsha, Shenzhen's supervision boots landed, and even some rules were stricter than Changsha. For example, if you move into a household registration outside Changsha and get the qualification to buy a house, you need to settle in 1 year and pay 12 months of social security or individual tax. Shenzhen requires three years this time.

Indeed, shine on you is better than Blue.

"Halfway through, the number of places to buy a house suddenly disappeared."

In this new policy, the most restrained demand is the qualification of buying houses. Deep-seated families are required to settle down for three years, and social security or individual tax is required for three years before they are eligible to buy a house. Before this, you can buy a house when you settle in Shenzhen, and the conditions for buying a house are the most relaxed in first-tier cities.

This also provides great convenience for people all over the country to buy houses in Shenzhen. Therefore, Shenzhen is ridiculed by the people of the whole country as Shenzhen. It is not uncommon in reality that "after graduating from college, I settled in Shenzhen to buy a suite and then went home to run my ancestral business".

There are four main ways to move into Shenzhen: talent introduction, tax payment, policy relocation and residents' social security relocation. It is reported that Shenzhen has been the champion and runner-up of the national permanent population for two consecutive years. The Statistical Bulletin of Shenzhen National Economic and Social Development 20 19 published on the website of Shenzhen Municipal Bureau of Statistics shows that the resident population of Shenzhen is 201343.88 million, an increase of 412,200 and 20 18 over the previous year.

Li, chief researcher of Guangdong Housing Policy Research Center, believes that the purchase restriction exceeded expectations and accurately cracked down on investment speculation. Shenzhen has a low threshold for settlement and a large population inflow. The favorable planning of the pilot demonstration area and Greater Bay Area, coupled with the excessive currency after the epidemic, have led to intermediary-assisted fake marriages, real estate speculation, and new Shenzhen people buying houses in advance. This time, it takes three years to buy a house and three years of social security, which basically blocks real estate speculation.

But the New Deal also left a lot of confusion to the outside world. For example, A settled in Shenzhen on July 10 before the implementation of the New Deal, but the social security was less than 3 years. Are you qualified to buy a house? B social security has been in Shenzhen for 3 years and just moved to Shenzhen in June 2020. Are you still eligible to buy a house after the implementation of the New Deal? C paid social security in Shenzhen 10 years, and is currently settling down. The formalities will not be completed until the end of August. Are you qualified to buy a house? Does divorce only trace back to the previous marriage, family and housing unit? Only the deposit was paid before July 15, and the fund supervision has never been done. Is it influenced by the New Deal? Is the online signing not transferred affected by the New Deal?

On the above-mentioned related issues, the reporter of China Business Daily called the Shenzhen Housing and Construction Bureau to inquire about the implementation details. As of press time, the other party's phone has been busy. The answers to these questions still need to wait for the official implementation rules.

Although the New Deal has dealt a precise blow to investment in real estate speculation, it has also accidentally injured some of the needs to some extent. As soon as the policy came out, many people in the reporter exchange group lamented, "I have several friends looking at the house and suddenly told me that there is no quota, so I have no quota." "I want to buy it again, maybe in full, so I don't care about the down payment, only about whether I am qualified."

After the release of the New Deal in the morning, some intermediaries were also severely hit. On the social platform, I ridiculed them for taking customers from Longhua to Luohu, and halfway through, customers lost the qualification to buy a house.

For the market outlook, buyers are generally optimistic. "I feel that the house price will be horizontal for a while, and I should buy it after this time." "Anyway, I will regret every time I sell a house. At that time, the price was high, and then I saw the results sold in the depression. "

But not everyone is optimistic about the market outlook. Some property buyers said that they had just paid a deposit of 200,000 yuan on July 1 1 to buy a school district house of 7 million yuan, and went through the online signing on the evening of July 14. After the implementation of the New Deal, all the conditions such as settling in social security were met without any influence. Now they are worried about the high position and are entangled in whether to default. They would rather not pay a deposit of 200,000 yuan, and then choose slowly.

Zheng Yang, a senior intermediary in Nanshan District, said that after the implementation of the New Deal, because the quota is stuck, the demand is likely to turn to the apartment market with unlimited purchases and loans. At the same time, in the first-hand housing market, the opportunities for buyers who meet the requirements of the New Deal have greatly increased, and investors will also move to other markets, which may benefit Dongguan and Huizhou.

Can't you buy a house after divorce? The people have long had "countermeasures"

The Housing and Urban-Rural Development Bureau also fixed the loopholes in previous marriages and divorces. Non-deep households and adult singles (including divorced) continue to buy commercial housing in accordance with the provisions of the city on continuous payment of personal income tax or social insurance certificate for 5 years or more before the date of providing proof of purchase.

Specifically, the New Deal stipulates that within three years from the date of divorce, if there is no housing in this city under the family name before divorce, any family member can buy 1 set of commercial housing in this city as an adult single person after divorce; Before the divorce, there was a commercial house in this city under the family name 1 set. After the divorce, the party without a house can buy 1 set of commercial housing in this city as an adult single person. Before the divorce, there were 2 sets of commercial houses in this city under the family name. After divorce, family members are not allowed to buy commercial housing in this city.

In view of the situation that either divorced couple buys a house, He Qianru, director of Midland Property National Research Center, said that before the divorce, the ownership of family housing within two years only affected the down payment ratio of buying a house again. However, after the New Deal, the number of housing units of divorced families before divorce will be included in the number of housing units owned within three years from the date of divorce, which will directly affect their eligibility for buying houses. Therefore, it will be a great blow to some behaviors of buying a house in the name of divorce. Generally speaking, the adjustment of the above policies has directly reduced the number of property buyers.

The coquettish operation of divorce is blocked at first sight, but it is not empty talk that there are policies and countermeasures. Less than an hour after the announcement of the New Deal, the folk solution has been found-to find a houseless household to wash white. For example, AB has 4 suites, and after divorce, the house will be married to B, A and C who have no rooms. At this time, there is no room under the name of AC, and AC will divorce again. At this time, if you only look at the marriage once, if there is no room, A can still buy a house, because it will only trace back to the "last divorce" and the real estate situation will not be traced back to all previous divorces.

But whether this trick can really work, how to trace the divorce, how many years, and which marriage, depends on the official implementation rules.

Reproduction of luxury tax at 7.5 million threshold

This new policy has refined the standard of ordinary housing. Ordinary housing enjoying preferential policies should meet the following conditions at the same time: the floor area ratio of residential buildings should be above 1.0 (inclusive); The construction area of a single house is below 120 (inclusive) square meters or below 144 (inclusive) square meters; The actual total transaction price is less than 7.5 million yuan (inclusive).

For some measures to refine the luxury tax in the New Deal, Li analyzed that this reflected the immaturity, foresight and lack of overall planning of the policy. Last year 1 1 month, Shenzhen adjusted the standard of levying luxury house tax according to the total price, and now it further refines and tightens the definition of luxury house. Although there was a consideration of "steady growth" in the second half of last year, how serious is the policy? At that time, it was entirely possible to do Changsha-style follow-up through the purchase restriction terminal, and the social security of 1 year+1 year hedged the impact of canceling the total luxury tax.

Zhang Maorong, a lawyer of Beijing Yingke (Shenzhen) Law Firm, believes that it is more difficult to buy or sell a house without funds flowing out of the market and outside the market. Those who have houses are reluctant to sell, and those who have no houses can't buy them. All-round restrictions on purchases and sales lead to the "transaction freeze" of commercial housing, which is a big plus for business apartments that are not limited to purchases and only sold. Social capital may turn and raise the price of commercial apartments.

Zheng Shulun, managing director of Shenzhen Zhongyuan, believes that the first thing to look at this policy is the management of demand, the extension of the social security period of the purchase restriction conditions, and the deep households have to pay social security or taxes for three consecutive years to buy a house, which further raises the threshold for buying a house and can immediately reduce the effective demand in the market. I believe it can achieve the effect of cooling the market.