Guangzhou purchase restriction policy

Recently, Bian Xiao learned that a few hours after Beijing promoted the property market regulation policy, Guangzhou also announced the introduction of a new property market restriction and unequal credit policy. On the evening of 17, the Guangzhou municipal government issued a notice on the new policy of the property market: single people were restricted from buying 1 set, and the social security payment was changed from 3 years to 5 years, which was initially implemented today.

I. Specific requirements of Guangzhou's purchase restriction policy

The notice of the Guangzhou Municipal Government clearly pointed out that the household registration households in this city continue to implement the policy of restricting the purchase of two sets of houses (including new products and second-hand houses, the same below); Adult single (including divorced) household registration in this city is restricted to purchase 1 set of household registration in this city. This means that people who have reached the age of 18 in the past have two suites at a time of divorce, and the New Deal has been reduced to 1 suite.

At the same time, if non-registered families can pay their own income tax or social security in this city for five years before the date of purchase, they will be restricted from buying houses in this city 1 set, and non-registered families will not be allowed to buy houses after paying their own income tax or social security.

Second, Guangzhou purchase restriction policy credit policy

The notice also pointed out that it is necessary to further improve the credit policy for living in different places. After the discussion on the self-discipline mechanism of selling interest rate pricing in the province, there is a demand for the credit policy of living in different places in Guangzhou, which can be summarized as follows: for those who have no housing and no loan (super), the minimum down payment is 30%; If there is no room and there is a loan record: the minimum down payment is 40%; Those who have a house without a loan record/those who have paid off the first home loan: the minimum down payment is 50%; The first set is not paid: the minimum down payment is 70%; If there is a room to buy unusual products, the minimum down payment is 70%.

The notice also stressed that illegal acts such as "down payment" will be severely cracked down. Commercial banks, micro-loan arrangements, internet financial arrangements, trust and investment companies and other financial business operators may not issue or issue down payment loans for house purchases in disguise.

Jointly strengthen sales supervision. Strictly investigate and deal with illegal acts of real estate sales, and severely investigate and deal with all kinds of fraudulent purchases of houses. Those who provide false purchase materials to defraud houses will not apply for real estate registration; Intermediary arrangements for instigating and helping buyers to fabricate proof materials and defrauding the qualification of buying houses should be ordered to suspend business and clean up, and the relevant responsible persons should be dealt with seriously. If the circumstances are serious, the parties concerned should be held accountable.

Third, Guangzhou purchase restriction policy professionals analysis

According to industry analysts, due to the change of social security from three years to five years, a large number of people will lose the qualification to buy houses, and the transaction volume will be significantly reduced, at least by 20% to 30%; House prices will temporarily peak, and in the future, with the aggravation of mentality and the changes expected by developers, house prices are expected to fall slightly.

Bian Xiao previously found in an interview that the effect of purchase restriction in the main city is making it hard to find a room here, and a room number has even been fired to more than 100,000 yuan. The insiders believe that this policy of restricting loans is actually to curb the excessive rise of housing prices in the three suburbs, and the promotion of restricting purchases and loans in the suburbs is conducive to further curbing the demand for capital contribution.

The following is Bian Xiao's Guangzhou purchase restriction policy 20 17, which can be used as a reference for buyers in Guangzhou.