Ningbo Huayuan property

The implementation of "housing without speculation" has seen a new round of intense combination boxing from the central government to the local government.

Recently, the State Council, the central bank, the Ministry of Housing and Urban-Rural Development and other ministries and commissions have made intensive voices, welcoming comprehensive supervision of the real estate industry, including land, finance and market order, and releasing a strong signal that real estate regulation and control will continue to be strict. At the same time, the layout and development of affordable rental housing will be accelerated. The Ministry of Housing and Urban-Rural Development also made it clear that cities with weak regulation and excessive housing price rise will be firmly held accountable.

On July 29th, Ni Hong, Vice Minister of the Ministry of Housing and Urban-Rural Development, interviewed the heads of five cities, namely Yinchuan, Xuzhou, Jinhua, Quanzhou and Huizhou, and demanded that the principle of "no speculation in housing" should be resolutely implemented, and real estate should not be regarded as a short-term means to stimulate the economy, so as to effectively fulfill the main responsibilities of cities. In view of the new situation and problems in the real estate market in the first half of the year, we will strengthen regulation and supervision to promote the stable and healthy development of the real estate market.

Different from the past, "strengthening real estate financial control" has been placed in an important position. Since the second half of last year, the "three red lines" of housing financing and the "two red lines" of mortgage management have successively landed, accelerating the establishment and improvement of a long-term mechanism for real estate financial management. While strengthening the regulation of real estate, efforts are also made to promote the construction of affordable rental housing. During the "Fourteenth Five-Year Plan" period, the proportion of newly-built affordable rental housing in the total supply of new housing will strive to reach more than 30%.

The intensity exceeds expectations, and there is no dead end in supervision.

Almost in sync with the central policy, various places have successively introduced new policies for the property market.

On the evening of July 28, Wuhan, Hubei Province issued a notice saying that prospective buyers who purchase houses in Wuhan's restricted areas can purchase houses after receiving the "room ticket" if they meet the conditions. Some experts said that this "room ticket" new policy is conducive to curbing investment speculation and protecting the interests of people who live in their own homes and just need to buy houses.

Since the beginning of this year, Shanghai, where the new regulations of the property market are constantly changing and the market heat is decreasing, has continued to tighten regulation. On July 23, two new regulations were issued continuously. One is to strengthen the management of housing donation, and the donated real estate will still be included in the number of housing units owned by donors in the next five years, so as to avoid moving real estate or creating high points to shake the number of new houses; The other is to raise the mortgage interest rate. The interest rate of the first home loan was adjusted from the current 4.65% to 5%, and the interest rate of the second home loan was raised from 5.25% to 5.7%, which delayed the pace of buyers entering the market and reduced the market fever.

On the same day, Shaoxing, Zhejiang Province issued a new property market policy, which will establish a reference price release mechanism for second-hand housing transactions. On the 26th, Wuxi, Jiangsu Province also followed up the new policy of second-hand housing reference price.

Incomplete statistics show that since Shenzhen put forward the reference price of second-hand housing transactions in February this year, six cities including Chengdu, Ningbo and Xi 'an have defined the reference price of second-hand housing transactions. At the same time, Shanghai, Dongguan and other cities also focus on regulating the second-hand housing market.

The heat of the market is not only driven by the demand of buyers, but also by the hype from intermediaries. On July 23, the Ministry of Housing and Urban-Rural Development and other eight departments jointly issued the Notice on Continuously Rectifying and Regulating the Order of the Real Estate Market, proposing to strive to achieve a significant improvement in the order of the real estate market within three years.

Yang Kewei, deputy general manager of Ke Rui Research Center, believes that it is worth noting that the supervision department has been further expanded. In 20 19, the Ministry of Housing and Urban-Rural Development, the National Development and Reform Commission, the Ministry of Public Security, the General Administration of Market Supervision, the China Banking Regulatory Commission, and the National Network Information Office jointly carried out the special rectification work of housing leasing institutions, and expanded it to eight departments, adding two departments, namely the Ministry of Natural Resources and State Taxation Administration of The People's Republic of China.

The field of collaborative supervision has also been further expanded, covering four major areas: real estate development, house sales, house leasing and property services. At the level of actual supervision and implementation, all eight departments have a clear division of labor system, adopting the way of vertical linkage of departments and horizontal collaborative supervision of provinces and cities, and doing their best to achieve "no dead ends" in all supervision fields.

Guangzhou recently issued a new policy, requiring real estate intermediaries and employees to further standardize the release of housing information. Previously, in order to implement the second-hand housing reference price mechanism, Chengdu has repeatedly punished intermediaries whose listing price exceeded the reference price.

"Strengthening real estate financial management and control" is particularly interesting. The statements of the central bank and the Ministry of Housing and Urban-Rural Development mentioned "accelerating the establishment and improvement of a long-term mechanism for real estate financial management" and "strengthening real estate financial management and control in the next step" respectively.

On July 27th, Shanghai Banking Insurance Regulatory Bureau issued a fine of 17, confiscating 965,438+million yuan from China Construction Bank, Shanghai Waigaoqiao Group Finance Co., Ltd., China Bank, China Industrial and Commercial Bank, China Agricultural Bank, Shanghai Rural Commercial Bank and Bank of Communications. The main illegal facts all involve real estate. During this year, the bank insurance supervision system has punished more than 30 consumer and commercial loans that illegally flowed into the real estate market. Previously, the CBRC also issued a huge fine of nearly 300 million yuan for the illegal acts of four financial institutions.

In terms of land, the Ministry of Housing and Urban-Rural Development proposed to establish a linkage mechanism between real estate and real estate, promote Beijing's practice, limit housing prices, control land prices, improve quality, establish a qualification examination system for land purchase enterprises, and establish a review and repayment mechanism for land purchase funds.

"As a practitioner, I think this regulation is beyond expectations. The first policy that exceeded expectations was' three red lines', the second was bank loan management, and the third was that many cities restricted the price of second-hand houses. " A real estate marketing person in East China told CBN.

Some cities or overweight regulation

From the second half of last year, this round of national housing price increase, to June this year, under the control of a series of the most severe policy combination boxing in history, the housing price increase initially slowed down. Then, in the second half of this year, can the rising trend of housing prices be completely curbed?

On July 28th, Hua Yuan, director of Shanghai Development and Reform Commission, pointed out in the report on the implementation of Shanghai's national economic and social development plan in the first half of 20021that efforts should continue to stabilize housing prices, and the effect of regulation and control will gradually appear, and the upward trend of volume and price in the real estate market will be initially curbed. However, the contradiction between supply and demand is still outstanding, and there is still great pressure to stabilize housing prices in the next stage.

Jiang Han, a senior researcher at Pangu think tank, believes that the housing prices of new and second-hand houses will definitely be affected by regulatory policies in the second half of the year, and the market will be more stable.

Yang Kewei found that up to now, the overall implementation effect of central bank financing regulation is good. Over the past six months, the concentration of real estate loans and personal housing loans of banking financial institutions has steadily declined. By the end of June, 20021,the concentration of real estate loans and personal housing loans of banking financial institutions decreased by 0.6 and 0.2 percentage points respectively.

He predicted that the mortgage interest rate will move up in the second half of the year, and the state will continue to strengthen the management of the use of credit funds to prevent commercial loans, consumer loans, credit loans and other funds from illegally flowing into the real estate market.

"It can be seen that there is still some upward pressure on housing prices in hot cities such as Xiamen, Quanzhou and Yancheng, and the next stage will be overweight; In hot cities such as Nanjing and Hangzhou, after the policy is overweight, the market heat is still unabated, and the possibility of further upgrading and regulation will not be ruled out in the future. " Yang Kewei said.

Under strict control, the news of thunder in the real estate industry has come and gone recently. For housing enterprises, Yang Kewei believes that next, a number of "problem housing enterprises" such as overdue debts and delayed delivery will be supervised. He predicted that the "three red lines" of housing enterprise financing will continue to exert efforts to strictly control the scale of interest-bearing liabilities of housing enterprises and force them to reduce leverage. Fully restrain the investment behavior of housing enterprises in land acquisition, match the land reserve value of housing enterprises with sales performance, tilt more high-quality land resources to head housing enterprises, and strengthen the new pattern of real estate industry.

Promote the construction of affordable rental housing.

It is not enough to stabilize housing prices. In big cities with net population inflow, the housing problem of new citizens and young people is still outstanding. Young people who have just come to big cities to work hard often have unsatisfactory living conditions because of their income level.

Although various policies on rental housing have been introduced in various places before, on the whole, the rental market has not had special policy support and land guarantee for a long time, and the willingness of social capital to flow into the rental market is also weak, and the phenomenon that the rental market is in short supply is increasingly prominent.

On July 22nd, the the State Council meeting proposed that the development of affordable rental housing should be regarded as the key task of the 14th Five-Year Plan, and research and deployment should be made to accelerate the development of affordable rental housing. On the same day, Cao Jinbiao, director of the Housing Security Department of the Ministry of Housing and Urban-Rural Development, said that in cities with more new citizens and young people and high housing prices or rising pressure, during the Tenth Five-Year Plan period, the proportion of newly-added affordable rental housing in the total supply of new housing should strive to reach more than 30%.

On July 2nd, the General Office of the State Council issued "Opinions on Accelerating the Development of Affordable Rental Housing" (hereinafter referred to as "Opinions"), which defined the top-level design of housing security system at the national level for the first time, that is, the top-level design of housing security with public rental housing, affordable rental housing and * * * property housing as the main body. According to the "Opinions", affordable rental housing is mainly small-sized units with a construction area of not more than 70 square meters, and the rent is lower than that of rental housing in the same location and the same quality market.

After the promulgation of the Opinions, all localities actively promoted the development of affordable rental housing. Shanghai proposed to build and raise 400,000 sets of affordable rental housing during the Tenth Five-Year Plan period, accounting for about 40% of the total housing supply; Guangzhou proposed to raise various housing units 13 1000 during the Tenth Five-Year Plan period, including 600,000 affordable rental units (rooms), accounting for 45%; Beijing will use collectively operated construction land and non-residential stock housing to build rental housing into the standardized management of affordable rental housing; Shenzhen has further improved the housing security system and is working hard to draft the implementation opinions on developing affordable rental housing; Xiamen has issued supporting documents such as the implementation measures of the Opinions and the implementation plan for the temporary transformation of existing non-residential houses into affordable rental houses.

At the same time, according to the opinions, China Development Bank, Agricultural Development Bank, China Construction Bank, etc. Work arrangements have been made for the whole bank, and it is required to strengthen the docking with big cities with net population inflow and increase credit support for the construction and operation of affordable rental housing.

In terms of tax incentives, on the 26th, the Ministry of Finance issued the Announcement on Improving the Tax Policy for Housing Leasing. From 10 and 1, the simple tax calculation method is applied to the houses rented by leasing enterprises to individuals, and the value-added tax is paid at the rate of 5% minus 1.5%; Enterprises and institutions rent houses to individuals and specialized large-scale housing leasing enterprises, and the property tax is levied at a reduced rate of 4%.

Huang Hui, a senior analyst at RealData, believes that the job-residence imbalance in the housing rental market is prominent at present. Reducing the property tax on rented houses and revitalizing idle houses in enterprises and institutions will help solve the problem of job-housing balance.

"In addition, because the affordable rental housing adheres to the principle of' whoever invests is responsible' and guides market-oriented forces to actively participate in the investment, construction and operation of rental housing projects through government financial and tax incentives, the cost and rent of such projects are relatively low, which can guarantee new citizens and young people to live and work in cities." Huang Hui said.

With the establishment of the top-level design of housing security and the introduction of various favorable policies, China Finger Research Institute predicts that in first-tier and new first-tier cities with large net population inflow and high housing prices, the construction of affordable rental housing will be accelerated in the second half of the year, alleviating the structural supply shortage in the housing rental market, and all groups will be able to live in cities.

According to the Ministry of Housing and Urban-Rural Development, 40 cities plan to raise 930,000 affordable rental houses in 20021year. Before the end of this year 10, the city people's government should determine the construction objectives and policies and measures of affordable rental housing in the 14 th Five-Year Plan, formulate the annual construction plan, and announce it to the public.