Will "Hangzhou Ten Articles" be introduced to promote the destocking of the property market?

First, the property market in Hangzhou was in full swing last weekend. More than a thousand customers snapped up less than 400 suites, and the venues in the southeast and northwest were crowded with people. Then on Monday, the "Hangzhou Ten Articles" was officially released, laying the foundation for the property market in the first half of the year; Then, last night, the Bank of China announced that it would cut the RRR interest rate for the first time this year ... For a time, the warm wind made the property market drunk.

In the first half of this year, Hangzhou property market will usher in a long-lost bull market. Some experts believe that most people's expectations of the property market have turned into a general rise, and all parties in the market should treat it rationally. Some experts also believe that the property market in the main city of Hangzhou is still at the beginning of compensatory growth after years of decline. For owner-occupied families, it is still a good time to buy a house.

"Hang Ten Articles" will be released soon.

Promote the destocking of the property market in all directions.

Following the publication of the draft for comments last Friday, yesterday, the General Office of the Hangzhou Municipal Government issued the Notice on Further Promoting the Healthy and Stable Development of the Real Estate Market (hereinafter referred to as the Notice), and the "Hangzhou Ten Articles" was quickly released.

The "Notice" proposes unified management of land transfer, and the transfer plan for operating land (excluding industrial land) within the urban area needs to be reported to the municipal government for approval before implementation; Reasonably grasp the scale, structure, rhythm and time sequence of land supply, and effectively coordinate the supply of residential, commercial and office land in different regions. At the same time, if the supporting facilities around the plot are not implemented, no land transfer will be arranged.

Increase the monetization of housing security, strictly control the construction of demolition and resettlement houses, levy houses on state-owned land, and encourage all monetized resettlement; The expropriated person (compensated person) purchases the house by monetary compensation. If the transaction price of the house does not exceed the amount of monetary compensation, the deed tax on the newly purchased house shall be exempted. At the same time, the city level will fully implement the monetary subsidy system for public rental housing, suspend the addition of affordable housing and public rental housing land, and suspend the acceptance of applications for affordable housing security.

According to the circular, the minimum down payment ratio of commercial individual housing loans for households to purchase ordinary houses will be reduced to the lower limit allowed by the People's Bank of China and the China Banking Regulatory Commission, and preferential loan interest rates will be encouraged for individual housing loans according to the credit status of borrowers.

Further relax the conditions of provident fund loans. For employees who normally deposit housing provident fund outside Hangzhou and buy self-occupied housing in Hangzhou, they can apply for provident fund loans in different places. Support employees to use provident fund loans to buy second-hand houses. The total period of second-hand housing plus loan is relaxed from 40 years to 50 years, and the minimum down payment ratio is reduced to 20%.

Implement preferential policies for deed tax and business tax, and levy deed tax at a reduced rate of 1% for individuals who purchase the only family housing area of 90 square meters or less; If the area is over 90 square meters, the deed tax shall be levied at the reduced rate of 1.5%. For individuals who purchase a second set of improved family housing with an area of 90 square meters or less, the deed tax will be levied at a reduced rate of 1%; If the area is more than 90 square meters, the deed tax shall be levied at a reduced rate of 2%. If an individual sells a house that has been purchased for less than 2 years, the business tax will be levied in full; Individuals who purchase houses for more than 2 years (inclusive) for external sales shall be exempted from business tax.

People who buy commercial houses (including second-hand houses) in Tonglu, Chun 'an, Jiande and Lin 'an counties (cities), themselves and their spouses, minor children and parents who live together can apply for registration of permanent residence locally.

Land, affordable housing, provident fund

Introduce detailed new policies in many aspects.

The introduction of "Hangzhou Ten Articles" covers a wide range, which can be described as comprehensively promoting the destocking of the property market. Compared with the past, it also puts forward some new and detailed contents.

In terms of land, the unified management of urban land transfer is proposed for the first time, which means that the land transfer of Yuhang and Xiaoshan will be included in the overall arrangement of the municipal government and will no longer be fragmented.

In terms of affordable housing, in addition to vigorously encouraging monetized resettlement, it is also proposed for the first time to suspend the construction of affordable housing and public rental housing in new sites and suspend the acceptance of applications for affordable housing security. This is also an unprecedented statement and strength.

In terms of credit, it is reiterated that the down payment ratio can be reduced to the lower limit of the central bank and the China Banking Regulatory Commission.

In terms of provident fund, employees who are allowed to pay provident fund nationwide can apply for provident fund loans in different places when they buy a house in Hangzhou; The policy of purchasing second-hand houses with provident fund loans continued to be relaxed. The sum of the age of the second-hand house plus the loan period is relaxed from 40 years to 50 years, and the minimum down payment ratio is reduced to 20%. At the same time, it is required to increase the intensity of converting provident fund into commercial discount loans and increase the number of banks that convert provident fund into commercial discount loans.

Deed tax and business tax policies have been implemented. The deed tax was changed from the original three-level billing to the second-level billing, and the price difference between ordinary houses and non-ordinary houses of 140 square meters was cancelled, thus encouraging everyone to buy improved large-sized houses above 140 square meters.

Ding Jiangang, a senior real estate commentator, believes that the Hangzhou municipal government has not introduced the land tax rebate policy as vigorously as it did in 2008. Therefore, the "Hangzhou National Ten Articles" should be said to be a comprehensive and powerful policy, but it is not unprecedented, because the intensity is still not as good as the rescue policy in 2008. "These policies can directly involve property buyers, and the actual preferential strength is not great. However, changes in policies such as affordable housing will divert some demand to the commercial housing market, which will play a role in gradually destocking. Of course, the greater role lies in the intensive policies of the central government and local governments to guide the expectations of the mass market. "

"There are indications that the expectations of the Hangzhou property market have quietly changed, and most people's judgments on the market have changed from a slight increase in stability to a general increase or even a big increase. This is the law of the real estate market. It may take half a year or even longer to change market expectations, but the expected change is only an instant. The bull market has indeed come. "

Therefore, Ding Jiangang said: "All parties involved in the market, whether property buyers or developers, including governments at all levels, should care for this hard-won bull market rationally and cautiously. Any blind snap-up regardless of its own needs and ability to pay, any irrational price increase that is out of the market's affordability, may lead to mistakes. "

New Deal Stimulates Hot Property Market in First-and Second-tier Cities

In fact, the real estate market in many cities in China has been booming recently. Words such as buying a house overnight, queuing to pay money, developers and landlords sitting on the ground, and CDs seem to become synonymous with the property market overnight, especially in first-tier cities such as Shanghai and Shenzhen, as well as second-tier cities such as Nanjing and Hangzhou.

20 16 The city that kicked off the property market is Shenzhen. At the beginning of the new year, Shenzhen housing prices began a "flight mode". According to the latest house price data released by the National Bureau of Statistics, the house prices of 70 large and medium-sized cities monitored in June 5438+ 10 increased month-on-month, among which the house prices in Shenzhen increased by 4. 1% month-on-month and 52.7% year-on-year, which continued to lead the country.

Behind Shenzhen is Shanghai. On February 22, a high-end project with an average price of 80,000 yuan/square meter in Shanghai opened, and 352 sets of ten million luxury houses were launched, all of which were sold out that day, with a total sales of about 3.6 billion yuan. At the same time, Shanghai has also been exposed to a set of housing, listing for the first time 4.3 million yuan. In one day, the price jumped three times in a row and finally rose to 5 million yuan.

Last Sunday, the Shanghai real estate market was even more excited. Among them, Shanghai Baoshan District Real Estate Trading Center implemented measures to limit the transaction flow in an extraordinary period because of the excessive flow of people. All personnel please wait outside the gate on the first floor of the center and let them enter the building one by one for business.

Compared with Shenzhen and Shanghai, the property market in some second-tier cities is not inferior. In Nanjing, last week, there was a phenomenon that property buyers were "wrapped in quilts" and queued up all night. Last weekend, a number of properties in Nanjing opened, and all of them handed over 90% of their transcripts.

Yan Yuejin, research director of Yiju think tank, said that there are three reasons for the recent boom in the property market and rising house prices: First, the loose housing purchase policy enables all kinds of buyers to enter the property market with a lower threshold, and the active market transactions in turn push up house prices. Second, the local high-quality supply began to appear insufficient inventory scale, which further stimulated the rapid rise of the price of a second-hand house. Third, influenced by psychological expectations, especially under the mentality of "buying up but not buying down", there will be some "panic psychology", which will push up the irrational rise of housing prices.

Last week, Hangzhou property market transactions rose sharply.

New projects frequently appear "daylight"

Hangzhou property market also ushered in a "warm spring" not to be outdone. According to statistics, last week (February 21-February 27), 2,450 sets of commercial housing were sold in Hangzhou (including Yuhang, Xiaoshan and Fuyang), up 1 165438 from the previous week, of which the main city was sold 165438.

The source of 388 suites, 1400 groups snapped up and sold out in 4 hours, which was the key word for the opening of Liuyang County, a subway greentown last weekend. Last Saturday, the second phase of housing in Liu Yang County opened in Crown Hotel overseas. More than 400 groups of buyers came to the opening ceremony, and all of them were sold out after 4 hours. It was called "the first' Japanese CD' in Hangzhou in 2065,438+06" by the developer. The popularity of Liu Yang County even attracted the attention of the national media and became the "Hangzhou sample" of the recent hot property market.

Dexin Zhejiang Travel Chen Dong, a new building in Chengdong New Town, which was notified last Saturday, had to be pushed quickly on Sunday night due to the strong desire of customers, and it was basically sold out.

Riverside Xixi Star, located in Xixi Plate, also opened last week, and launched * * * 13, 17 and more than 25 apartments. At present, it is basically sold out, with a turnover of 300 million in three days, including 200 million in a single day on February 26. "The number of sets launched this time is relatively small, only 100 sets. As soon as it was launched, it was immediately robbed, and even the previous Weifang was basically sold out. " Jie Shen, marketing director of Xixi Star, told the reporter. According to Jie Shen, the sales department of Xixi Star had hundreds of visitors last Sunday, with nearly 1,000 visitors every week. "Customers were crowded with the sales department before 8 o'clock in the morning, and at night they still 1 1 went to the construction site to see the real scene. The sales consultant will be off duty at night 1 1 and 12. " Jie Shen said.

In addition to local buyers in Hangzhou, there are many customers from all over the country. "There are many foreign customers who can't buy houses in cities such as Shanghai and Nanjing, so they come to Hangzhou to buy them." Jie Shen told reporters. According to her introduction, Xixi Star has always had many foreign customers, who are interested in the quality of Binjiang and the development potential of the future science and technology city. In addition, according to Jie Shen, many customers of Xixi Star buy two or three sets directly. "On the one hand, they mainly live in their own homes. On the other hand, customers are worried about currency depreciation, so if they buy real estate, they can preserve their value. Moreover, the rent of the Science and Technology City plate is relatively high in the future, and buying one more set can be used as an investment. " Jie Shen said.

Multiple projects will increase prices across the board from now on.

Pure investors reappear in rivers and lakes

"Sell crazy! I booked more than a dozen suites on Monday morning alone. Two days last weekend, more than 100 groups of customers came to the sales department, and ten salespeople could not receive them at all. They are busy until eleven o'clock every night. " Huang Fujianfen, the international marketing director of Tianyang Shangcheng, advertised in the circle of friends that "the price will be raised in an all-round way from March 1, and the house will not be closed tonight".

It is reported that from March 1, not only Shangcheng International, but also all projects under Tianyang will increase in price. At present, the second phase of Shangcheng International, with an average price of1.8000-1.9000 yuan/m2, has only 100 suites available for sale, and nearly 100 suites have been sold in February. From today, the total price of each suite will rise by about 30,000 yuan. In fact, from the beginning of 20 16, Shangcheng International has raised its price slightly more than once, and has always maintained the rhythm of "running in small steps".

"Among the recent new customers, many old owners bought them again. Many owners have bought a set before, and they are hesitant to see the market, so they have come to renew the order. Some are ready to buy for parents or family members, and some are for half of the investment considerations. " Huang Fujianfen said that investors had disappeared before, and after the Spring Festival, pure investors appeared again. "On the fifth day of the Lunar New Year, on the first day of work in our sales department, we received a Wenzhou man driving a Maserati to see the house and bought a set at one time. Some Shanghai investors have several properties in Shanghai, and they feel that the housing prices in Shanghai are too high now, so they come to us to make up their positions. Two days ago, a Hong Kong customer called at midnight 1 1 to inquire about buying a house. This morning, a Beijing client entrusted relatives in Hangzhou to look at the house and saw many people on the scene. It's inconvenient for him to come and buy it himself. He simply communicated with relatives on the phone for a while, and finally let relatives place orders directly. "

Similarly, from March 1, there are many properties in the pastoral sector, such as Yuexiu Xinghui Yuecheng and Greentown Xizi Pastoral, north of Gudun Road.

Buyers are busy grabbing houses.

The house was sold out after a day's delay.

Stimulated by the words "hot", "snapping up" and "queuing" in the property market, Hang Cheng property buyers began to be restless, and many people accelerated the pace of buying houses during this period.

Ms. Wang, who lives in Xiaofeng Road, the main city, booked four houses in EFC, the future science and technology city. "Our family has always booked 4 sets, including just need, improvement and investment." Ms. Wang told reporters with a smile. According to Ms. Wang, one set is for the son who came back from studying abroad, and the tonal son of EFC "Returnee Community" likes it very much; One is to live by oneself, which belongs to replacement; There are two sets bought by my brother and cousin, both of which are used for investment. "They all have more than 6,543,800 yuan in cash. They used to put their money into stocks. Last year, the stock market was ups and downs, and it was safer to invest in real estate. " Ms. Wang said.

"I haven't thought about investing in office buildings or houses before. During this time, I saw that national policies are aimed at houses, so I decided to buy a house. " Ms. Wang said. Last week, Ms. Wang called the sales department, and the sales consultant told her that she had to choose a house by lottery. She went to the case at the weekend and handed in the subscription money.

"I went to the sales department to see the house yesterday and paid the money today. Who knows that there is no house. " Mr. Li, the owner of the first phase of Binjiang Golden Dawn, said with emotion. Last Saturday, Mr. Li accompanied his relatives to see the house in the third phase of Binjiang Golden Dawn, and chose a well-decorated house with a height of 130 square meters. He is satisfied with the quality, price and housing of the community, and is going to pay the money in the sales department on Sunday. The next day, when Mr Li and others came to the sales department, they were told that the house had been bought.

"I really regretted it at the time. I knew I should pay the deposit first that day. " Mr. Li is very sorry. "Since like that didn't, then look at other houses. Who knows that the sales consultant said that the finely decorated rooms of this apartment were sold out, and more than 30 sets were sold on Saturday. " No way, Mr. Li Can had to accompany his relatives to see if there were any second-hand houses for sale in Golden Dawn Phase I and Phase II.