Because of the city policy! Since the beginning of the year, more than 20 cities have introduced real estate policies and measures.

202 1 under the action of a series of policies, the real estate industry officially entered the deleveraging cycle, showing a trend of "first restraining and then promoting" throughout the year. At the same time, some real estate enterprises have experienced serious business risks and a series of debt default events, which triggered market shocks.

In order to promote the virtuous circle and healthy development of the real estate industry, the policy began to "moderately correct the deviation". Since the beginning of 2022, at least 2 1 cities across the country have introduced real estate-related policies to guide the stable development of the market.

From the perspective of policy direction and strength, there is pressure and pressure, because the characteristics of urban policy are obvious. Some cities have activated the market by granting housing subsidies and lowering the threshold for provident fund loans. There are also some cities that strengthen the management of market order, talk about the rectification of some illegal enterprises, and further crack down on the chaos in the property market.

? Eight cities implemented housing subsidy policies.

According to the incomplete statistics of China Housing Network, at least eight cities have introduced or implemented housing subsidy policies this year, including Kunming, Changchun, Zhuhai, Yulin, Baoding, Bozhou, Ganxian and Luzhou.

Judging from the housing subsidies in the above cities, the housing subsidies in Zhuhai High-tech Zone can be called "Haoheng". It is reported that on October 9th, 65438/KLOC-0, Zhuhai High-tech Zone issued the "Zhuhai High-tech Zone Construction Future Science and Technology City, Talent Friendly Youth Friendly Action Plan (2022-2024)", which mentioned a housing subsidy of up to 6 million yuan. On the other hand, Changchun has upgraded the existing housing subsidy policy. For example, the subsidy standard for farmers in cities has been raised from 80 yuan to 200 yuan /m2, and the subsidy also covers the second-hand housing sector.

Yan Yuejin, research director of the think tank center of Yiju Research Institute, pointed out that the current housing subsidy policy has three characteristics: First, the number of subsidized cities has increased, and similar cities especially involve second-and third-tier cities; Second, the subsidy is strong, similar to hundreds of thousands of subsidies, which fully reflects the urgency of attracting people from all over the world; Third, it covers a wide range, including talents, migrant workers, new citizens, employees and entrepreneurs. Different groups of people face different subsidy policies. Similar policies further reflect the orientation of actively creating a business environment in various places, which has a positive effect on accelerating the introduction of the follow-up population and reducing the cost of buying houses, and objectively helps to promote the activity of market transactions.

The provident fund policy is now gaudy.

In addition to granting housing subsidies, many cities have increased the support of provident fund for housing purchases since the beginning of the year.

According to Zhong Fang's incomplete statistics. As of June 25th, 65438, the new housing accumulation fund policies in Jinan, Qingdao, Ningbo, Maanshan, Nanping, Beihai, Nanning and Zigong have been implemented.

From the policy content, Ningbo, Maanshan, Nanping and Nanning relaxed provident fund loans by increasing the loan amount, Qingdao and Jinan eased the difficulty of provident fund loans in different places, Beihai reduced the down payment ratio, Zigong relaxed the policy of identifying the number of housing units and implemented the policy of "accepting loans but not recognizing houses".

In fact, since June 5438+ 10 last year, the Ministry of Housing and Urban-Rural Development, the Central Bank, the China Banking Regulatory Commission and other regulatory authorities have frequently expressed their support for the stable and healthy development of the real estate industry, and moderately relaxed policies from multiple dimensions such as financing, land and housing purchase. Recently, the actions of lowering the threshold of provident fund loans in Beihai, Guangxi, Zigong, Sichuan and other places have been regarded by the industry as an important signal for the improvement and upgrading of policies.

4. Strictly control the market order

It is worth noting that while many cities are relaxing their policies, some cities are also stepping up their supervision of the real estate market.

Recently, Dalian 12 jointly issued the "Implementation Plan for Continuous Renovation and Standardization of the Real Estate Market Order in Dalian", proposing that this year Dalian will focus on the rectification tasks in real estate development, housing sales, housing leasing, property services and other fields, focusing on investigating and dealing with enterprises and individuals with serious violations of laws and regulations, so as to achieve a significant improvement in the real estate market order.

Not long ago, Xining Municipal Market Supervision Administration conducted administrative interviews with five real estate enterprises, including Wuyue Plaza and Country Garden. During the interview, the chaos in the real estate market in Xining and the recent special supervision and inspection were reported, and the interview responsibility letter was signed with the above-mentioned enterprises, which put forward requirements for the next step.

65438+ 10 4, Hunan Provincial Housing and Construction Department issued "Commercial Housing Transaction Risk Warning" to further standardize the real estate market order. The risks mentioned in the risk warning are 1 1, including the risk of capital loss in the case of unlicensed sales of real estate enterprises, the transaction risk of buyers affected by false propaganda, the illegal risk of buyers forging the qualification of buying houses and using illegal funds to buy houses.

On the same day, the credit information scoring standard of 18 was added to the Measures for Credit Supervision of Real Estate Development Enterprises in Wuhan issued by Wuhan Housing Security and Housing Administration. In addition, speculation on housing prices in the name of school districts will also be included in supervision.

In fact, in addition to the above-mentioned urban regulatory policies, Foshan recently mentioned the regulatory dimension and content of "improving the long-term mechanism for promoting the stable and healthy development of the real estate market, stabilizing investment in real estate development, and supporting the satisfaction of reasonable housing demand" in "Several Measures for Foshan to Promote a Good Economic Start in the First Quarter of 2022 and Lay the Foundation for Steady Progress throughout the Year".

Similarly, in addition to the adjustment of provident fund policy, Nanping also involves a number of policy measures, such as alleviating the pressure on land acquisition funds for real estate projects, promoting real estate market sales, and adjusting the supervision measures for pre-sale funds of commercial housing.

On the whole, at the beginning of the new year, the real estate policies introduced by the local property market can be described as maintaining pressure. However, whether it is an encouraging policy to stimulate consumption or a measure to rectify and standardize market behavior, it is a concrete policy implementation under the tone of "housing and not speculating".

In this regard, Song Hongwei, research director of Tongce Research Institute, pointed out that this round of regulation at the beginning of the year ensured the normal release of reasonable demand and stabilized expectations. At the same time, it also suppressed market norms, and the red line of market supervision could not be moved.

Yan Yuejin also stressed that this year is a year of virtuous circle development of real estate. Although the current real estate market policy is based on relaxation, no matter how relaxed, "living without speculation" is still the keynote. All kinds of behaviors that violate the order of real estate transactions and interfere with the stable and healthy development of the market will still be included in the supervision. In the process of operation, relevant housing enterprises need to abide by the regulations and truly implement the policy orientation of "housing and not speculating".