Interpretation of Yantai property market policy.

20 15 the national property market policy in the third quarter can be summarized in one word-loose. At present, the domestic property market is mainly destocking, and various national policies are also helping the property market achieve the purpose of destocking. For the interpretation of Yantai's property market policy, in addition to the heavy good news such as RRR interest rate cut, there are also a series of policies that are beneficial to the property market ... The following are the major events in Yantai's property market in the third quarter of 20 15.

Property market vane

First, in the third quarter of this year, the most eye-catching policy in the property market was the provident fund policy. From the state to the province and then to the local government, policies are actively introduced to promote provident fund loans.

Attention index: ★★★★★★★

(1) The down payment for housing provident fund loans was reduced, and the conditions for applying for loans in different places were introduced.

On August 3 1 day, the central bank issued a notice. For families who own 1 apartment and have settled the corresponding housing loans, if they apply for housing provident fund entrusted loans again to improve their living conditions, the minimum down payment ratio will be reduced from 30% to 20%, and the New Deal will be implemented on September 1 day.

Interpretation: This policy will reduce the down payment pressure of buyers, especially for low-and middle-income families. Next, the volume and price of the property market have stabilized and may even pick up.

The down payment for housing provident fund loans was reduced, and the conditions for applying for loans in different places were introduced.

(two) opinions on promoting the stable and healthy development of the real estate market in the province.

In order to promote the stable and healthy development of the real estate market in Shandong province, with the consent of the Shandong provincial government, employees who have paid the housing provident fund in full for more than 6 months (inclusive) can apply for individual housing loans from the housing provident fund. Individuals who purchase ordinary houses for more than 2 years (including 2 years, the same below) for external sales shall be exempted from business tax.

Interpretation: Shandong Province implements a loose housing purchase and sale policy, and the housing accumulation fund can apply for loans for six months or more, which is of great significance to promoting market transactions, stimulating domestic demand and destocking.

(3) Guiding opinions on improving the provident fund management system and expanding housing consumption.

Guiding opinions of the general office of Shandong Provincial People's Government on improving the provident fund management system and expanding housing consumption. Shandong allows employees to withdraw housing provident fund to pay property fees and special housing maintenance funds; The balance of Shandong loan risk reserve will increase from 6,543.806 billion yuan to 3.2 billion yuan.

Interpretation: Shandong has broken through the original extraction scope, and the provident fund has more uses, while effectively improving its risk prevention and control capabilities.

Loose policies are conducive to destocking.

(4) Yantai does not need to provide proof of income to relax the rental conditions for withdrawing provident fund.

Yantai Housing Provident Fund Management Office said that since July 1 day, Yantai's conditions for withdrawing rental provident fund have been further relaxed, and employees no longer need to provide proof of family income and tax-paid invoices for rent. Employees and their spouses who do not own houses in this city and rent houses in this city can withdraw the housing accumulation fund of both husband and wife once a year to pay the rent.

Interpretation: The conditions for Yantai to actively implement the withdrawal of provident fund for renting houses have been further relaxed, and the condition that "rent expenditure exceeds family income 15%" in the original rental withdrawal policy has been cancelled.

Secondly, it is rare for the central bank to reduce RRR and cut interest rates twice at the same time during the year.

Attention index: ★★★★★★★

The central bank lowered RRR for the fourth time this year.

The People's Bank of China has decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from August 26th, 20 15, so as to further reduce the financing costs of enterprises. Among them, the benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 4.6%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to 1.75%. This is the fourth time that the central bank has cut interest rates this year, after which it decided to cut interest rates in March 1, May1and June 28th respectively. At the same time, this is the fourth time that the deposit reserve ratio has been lowered during the year. The first three times were on February 4, April 20 and June 28.

Interpretation: The central bank's interest rate cut will improve the expectations of the property market to a certain extent, and increase the possibility of a "rising volume and price" in the future property market. This policy means that the mortgage cost of home buyers will be reduced, and at the same time, it will accelerate the demand for home purchases, especially the demand for improved home purchases, which will further lift the property market.

Third, the new advertising law is prone to thunder, and developers are afraid.

Attention only: ★★★★★★★

20 15 new real estate advertising law issued.

20 1 5 September1,the new real estate advertising law came into effect. The new law stipulates that real estate advertisements should not be "9", so we should be careful to avoid many minefields: the return on investment of buying shops, only 30 minutes' drive from XXX, educational real estate and so on.

Interpretation: New real estate advertisements are banning exaggerated publicity, which is beneficial to many property buyers. We can get more comprehensive, true and objective information from the new real estate advertisements, so as to make the most rational purchase judgment.

Four, the first suite of commercial loans minimum down payment of 25%.

Attention index: ★★★★★

The minimum down payment for the first individual housing loan is lowered to 25%.

On September 24th, the Banking Regulatory Commission of the People's Bank of China issued the latest policy: in cities that do not implement the "purchase restriction" measures, the minimum down payment ratio of commercial personal housing loans for households to purchase ordinary housing for the first time should be adjusted to not less than 25%.

Interpretation: the down payment ratio of the first suite is lowered. For consumers who just need it, the threshold for buying a house is further reduced. This policy is conducive to the digestion of existing housing, and the transaction of both new and second-hand houses will be further accelerated in the future.

Five or ten years of "foreign orders" are over.

Attention index: ★★★★★

The central government has lifted restrictions on foreign investment in housing.

/kloc-in August, 2009, six central ministries and commissions jointly issued a document to adjust some policies for foreign-invested real estate enterprises and overseas institutions and individuals to purchase houses in 2006, and to remove restrictions on overseas individuals to purchase houses in China.

Interpretation: This is the first time in the past decade that the country has loosened the restrictions on the external market, aiming at opening the channel for overseas capital to enter the market, stabilizing various types of housing consumption and helping to digest local stocks. However, from the market situation, the relaxation of the restrictions on emigration has not stimulated the enthusiasm of foreigners to buy houses in China, and most of them make choices according to their own actual conditions.

Sixth, Shandong real estate transformation and upgrading.

Attention index: ★★★★

Shandong property market rescue plan commercial housing reconstruction school blank house will be cancelled

On September 7, the "Implementation Plan for Transformation and Upgrading of Real Estate Industry in Shandong Province" formulated by the Shandong Provincial Government was announced. The "Proposal" requires that long-term unsalable and eligible commercial business premises and office buildings can be purchased or leased by the government and transformed into primary and secondary schools and kindergartens; Small and micro enterprises and freelancers in the fields of creativity, design and software are allowed to register houses and apartments as business premises.

Interpretation: The introduction of this policy is mainly to deal with the serious inventory backlog in Shandong property market and realize the sale of commercial housing through various ways and means. Although it seems to have little to do with ordinary property buyers, the transformed school is still worth looking forward to.

(The above answers were published on 20 15- 10-20. Please refer to the current actual purchase policy. )

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