Changchun "loosens" and "hardcore" new policies for real estate development enterprises.

(Guo Jiahao, Zhang Zhiqiang) On the evening of June 5438+065438+1 October/kloc-0, official website, the Housing Security and Real Estate Administration of Changchun City, issued the Notice on Handling Mortgage of Houses under Construction and Pre-sale of Commercial Houses (hereinafter referred to as the Notice). The content of the New Deal is mainly to alleviate the financial pressure of real estate development enterprises. This is another regulation policy to stabilize the real estate market since the property market regulation policy was issued on August 3 1 Changchun.

The two departments jointly issued a notice.

The reporter noted that the notice was jointly issued by Changchun Housing Security and Real Estate Administration and Changchun Planning and Natural Resources Bureau. The original text of the notice is as follows:

First, real estate development enterprises are allowed to apply for pre-sale permits and pre-sale of commercial housing during the period of land use rights or mortgage of buildings under construction.

Two, allow real estate development enterprises to obtain the pre-sale permit of commercial housing under construction for pre-sale mortgage.

Three, allow real estate development enterprises in the real estate registration for the first time, the unsold commercial housing mortgage registration.

Four, allow real estate development enterprises to change the state of private houses to the state of commercial houses after the expiration of the restricted listing period or the cancellation of mortgage rights.

Five, the existence of illegal sales, dishonest management, low credit rating, letters and visits and other serious problems of development enterprises, temporarily do not handle the above business.

6. The conditions and procedures for handling relevant business shall be formulated by Changchun Real Estate Registration Center and Housing Transaction Service Center jointly with relevant departments.

Seven, this notice shall be implemented as of the date of issuance.

On August 3 1 this year, entrusted by Changchun Housing Security and Real Estate Administration, Changchun Real Estate Association issued the Notice of Changchun Real Estate Association on Stable Development of Real Estate Market. It also involves alleviating the financial pressure of development enterprises: in order to prevent development enterprises from completing projects due to insufficient funds, qualified commercial banks are allowed to issue letters of guarantee for real estate development enterprises, and the letter of guarantee replaces the supervision of pre-sale funds; Suspend the policy of one-time payment of property maintenance funds by commercial housing sales and development enterprises in the later stage, and the balance of property maintenance funds account can be deducted from the deposit amount to realize the online signing of commercial housing contracts for the record; When real estate development enterprises develop projects in Changchun, they will no longer undertake phased guarantee payment loan guarantee for borrowers.

The current notices are basically policies to alleviate the financial pressure of real estate development enterprises.

Real estate development enterprises: this is a major positive.

Li Chunlin, deputy general manager of Jilin Futeng Real Estate Development (Group) Co., Ltd. believes that this policy is indeed a very significant positive for developers. The original policy is that developers who mortgage their land or projects under construction must first remove the mortgage before they can apply for pre-sale permits. Developers can't sell their houses without a pre-sale permit. Now, after the land mortgage of the developer or the mortgage of the project under construction does not affect the pre-sale permit, it can sell in advance and pay back the money in advance, and it can also withdraw the funds quickly.

In addition, Li Chunlin believes that the Notice allows real estate development enterprises to change the state of private houses to the state of commercial housing filing after the expiration of the restricted listing period or the cancellation of mortgage rights. In other words, the developer's previous "self-sustaining" has become a commercial house. Like some developers, there are many "self-sustaining" houses. If 10 "self-sustaining" expires, it must be registered in the name of the developer before being sold, and such a house becomes a second-hand house. Now it can be changed to the record state of commercial housing, and developers can sell it directly to customers, directly saving a renaming fee.

"Also, for development enterprises that have problems such as illegal sales, dishonest operation, low credit rating and serious letters and visits, the New Deal temporarily refuses to handle these businesses, which restricts some dishonest developers." Li Chunlin said.

It is very important to boost buyers' purchasing confidence.

Li Chunlin said that the New Deal is mainly aimed at real estate development enterprises, and it is also very important to boost the purchasing confidence of Changchun property market. If property buyers only give loans to developers without confidence, customers will still not buy a house. Therefore, on the one hand, it is necessary to bail out real estate development enterprises, on the other hand, it is necessary to introduce some relevant policies for consumers, such as interest rate concessions and housing subsidies. At present, it will take a long time for buyers to restore their confidence in buying.

Feng Jiang, a senior analyst in the industry, said in an interview that the introduction of the new policy is mainly to alleviate the financial pressure of developers, but there are also certain risks, such as allowing real estate development enterprises to apply for pre-sale permits and pre-sale of commercial housing during the period of land use rights or mortgage of buildings under construction. According to the previous policy, the condition for housing enterprises to obtain pre-sale is that land use rights or buildings under construction are not mortgaged. Now that the policy is liberalized, it is equivalent to reducing the difficulty for real estate enterprises to obtain pre-sale permits, and to some extent, it can speed up the pace of sales and quickly withdraw funds. However, some developers are under great financial pressure, and it is not ruled out that they will take risks and sell mortgaged houses to property buyers. This has become a "one room and two sales", and both banks and property buyers have to bear risks. Therefore, supervision is also very important in the implementation of specific policies.

Feng Jiang believes that the reason why the New Deal will be introduced is related to the current situation of Changchun property market. Many developers have disrupted the real estate market by drastically reducing prices, resulting in lower expectations of buyers and sudden cooling of the market. The introduction of the New Deal plays an important role in stabilizing the property market and restoring the confidence of buyers. Regarding whether there will be a policy to reduce the down payment in the near future, Feng Jiang said that there will be no stimulus policy to reduce the down payment in the near future. With the introduction of many regulatory policies, the real estate market will become more and more stable and standardized.

Changchun property market is depressed.

In recent months, the property market in Changchun has been in a downturn. A hardcover room in Fan Jiatun Town, Gongzhuling City, Changchun is selling the prefix "4", a real estate in Changchun High-tech Zone is selling 75% off, and a real estate in Changchun Beihu is selling the prefix "7"; Recently, several housing enterprises in Changchun have successively thrown out explosive preferential policies, and the property market in Changchun has once again surged.

A project in Yumin West Road, Chaoyang Economic Development Zone, Changchun City, with an average price of 7,000 yuan/square meter, and the blank is delivered; At present, preferential policies include 98% discount on mortgage loans, 98% discount on buildings 1 and No.3, 98% discount on down payment on the same day and 98% discount on down payment within five days, that is, there are four "98% discounts". The main apartment is 89 square meters, with three bedrooms, two halls and one bathroom.

A project in Fan Jiatun Town, Gongzhuling City, which is less than 3 kilometers away from the project, the reporter learned that there are only a few sets of top products in the "4 prefix" hardcover room of the project, which has been snapped up, and the prices of other houses are all around 6,000 yuan/square meter. The ultra-low-priced "4-prefix" hardcover room is just a drainage product.

A project at the intersection of Yiju Road and Chaoqiang Street in Changchun High-tech Industrial Development Zone has broken the preferential policy of "clearing the warehouse and buying the bottom, with a 7.5% discount on the whole line". The original price 1.2 million yuan/square meter, and the house is discounted to 8800 yuan/square meter, which is an existing house; The top 20 finalists will send 50,000 yuan parking vouchers. However, according to the reporter's on-the-spot investigation, although it is written that the sales price is 7.5 fold across the board, only two or three sets of houses on the top floor or low floor are sold out. At present, the special houses released by the sales office are all above 65438+100000 yuan/square meter, and they are all large-sized houses, and the discount is 8.5%-9% of the filing price.

A salesperson of a project in Changchun Beihu plate told the reporter that the starting price of the project is more than 7,000 yuan/square meter, and the average price is 8,000 yuan-9,000 yuan/square meter. The sales price of the project is almost close to the cost price.

According to the institutional data of Changchun, Ke Rui, as of the end of September, the accumulated inventory of commercial housing in Changchun was 1 1.52 million square meters. According to the average sales speed in the past three months, the current inventory can be sold for 2 1.27 months.