Live up to expectations, at this critical moment at the end of the year, the wind is finally coming!
Just yesterday evening, the real estate market was thrown into two blockbuster "bombs" one after another, and the two cities of Beijing and Shanghai successively issued official announcements and introduced optimization policies for real estate regulation. Inside and outside the industry, it can be described as a shock.
According to the observation of Bogo's property market, as of December 14, the four first-tier cities of Beijing, Shanghai, Guangzhou and Shenzhen have all adjusted their real estate policies.
Encouraged by this, the property market may be about to change seasons. The melting of the ice and snow in the real estate market should not be far away.
Beijing: The minimum down payment ratio is reduced to 30% to optimize the standard of ordinary houses
On December 14, the Beijing Municipal Commission of Housing and Urban-Rural Development and other five departments jointly issued the "Notice on Adjusting and Optimizing the City's Ordinary Housing Standards and Individual Housing Loan Policies", optimizing the identification standards for ordinary housing, lowering the minimum down payment ratio of newly issued personal housing loans, and extending the maximum loan term.
The notice makes it clear that the adjustment has been appropriately adjusted in combination with market changes to the construction area and standard of ordinary houses.
After the adjustment, the building floor area ratio of the community is 10 (inclusive) or more, a single set of construction area of 144 square meters (inclusive) or less, within the 5th ring of the transaction** in 85,000 square meters (inclusive) or less, 5-6 rings of transactions** in 65,000 yuan (inclusive) or less, outside the 6th ring of the transaction ** in 45,000 square meters (inclusive) of the housing is regarded as a general house.
The notice also proposes to reduce the minimum down payment ratio for new housing loans, and at the same time extend the loan term.
The minimum down payment ratio for personal housing loans for the first home in Beijing has been uniformly lowered to 30%;The minimum down payment ratio for personal housing loans for second homes has been lowered to 50% in the six urban districts and 40% in the six non-urban districts.
At the same time, the adjustment canceled the city's strict control of the mortgage term during the stage of excessive upward trend in housing prices, and restored it from the current maximum of 25 years to 30 years.
At the same time, the adjustment will also reduce the lower limit of the interest rate policy for new housing loans issued by commercial banks. From December 15, the new interest rate policy floor will be implemented for newly issued commercial personal housing loans. After:
The lower limits of the first and second sets of interest rate policies in the six districts of the city are not lower than the ** interest rate of the corresponding term loan market plus 10 basis points, and not lower than the ** interest rate of the corresponding term loan market plus 60 basis points.
The lower limits of the first and second sets of interest rate policies in the six non-urban districts are not lower than the ** interest rate of the corresponding term loan market and not lower than the ** interest rate of the corresponding term loan market plus 55 basis points.
Shanghai:The minimum down payment for the first set is 30%, and the credit markup policy is adjusted
On December 14, in order to better meet the needs of residents for rigid and improved housing, Shanghai adjusted the standard of ordinary housing and optimized the differentiated housing credit policy from December 15.
1. Adjust the standard of ordinary housing.
The Shanghai Municipal Commission of Housing and Urban-Rural Development and other five departments jointly issued the Notice on Adjusting the Standards of Ordinary Housing in the City, which stipulates that ordinary housing that can enjoy preferential policies shall meet the following conditions at the same time:
The first is multi-high-rise housing with more than five floors (including five floors), as well as old-fashioned apartments, new-style alleys, old-style alleys, etcSecond, the construction area of a single house is less than 144 (including 144).
2. Optimize differentiated housing credit policies.
For the first home, the lower limit of the interest rate of commercial personal housing loans will be adjusted to not be lower than the market interest rate (LPR) of the corresponding term loan (LPR) minus 10 basis points, and the minimum down payment ratio will be adjusted to not less than 30%.
For the second house, the lower limit of the interest rate of commercial personal housing loans shall be adjusted to not be lower than the market interest rate (LPR) of the corresponding term loan (LPR) plus 30 basis points, and the minimum down payment ratio shall be adjusted to not less than 50%.
At the same time, differentiated policies will be implemented in the Lingang New Area of the Free Trade Zone and the six administrative regions of Jiading, Qingpu, Songjiang, Fengxian, Baoshan and Jinshan.
Within the above scope, the lower limit of the interest rate of commercial personal housing loans for second housing is adjusted to not be lower than the market interest rate (LPR) of the corresponding term loan (LPR) plus 20 basis points, and the minimum down payment ratio is adjusted to not less than 40%.
The Beijing-Shanghai policy has been significantly optimized, and the popularity of finding a house has risen in response
Beijing and Shanghai, as the vane of the real estate market, the release of the adjustment policy, although it is long overdue, has injected an effective shot in the arm into the market.
Judging from the optimization points and the intensity of adjustment, the shots of Beijing and Shanghai this time are indeed full of sincerity. As the saying goes, a good meal is not afraid of being late.
First, let's look at the changes before and after Beijing's adjustment.
On the one hand, the proportion of the down payment for the first set has been reduced to 30%, and the proportion of the down payment for the second set has been reduced even more significantly. Before the reduction, the down payment ratio for the second set was up to 80%, but now the lowest is only 40%.
Beijing's reduction of the minimum down payment ratio has significantly lowered the financial threshold for residents to purchase housing, which is conducive to better meeting the demand for rigid and improved housing.
On the other hand, the extension of the loan term and the reduction of the increase in the loan interest rate are also more friendly to home buyers.
The Beijing branch of the People's Bank of China said that the loan amount is 1 million yuan and the interest rate is 42% (the latest LPR with a term of more than five years) as an example, the term is extended from 25 years to 30 years, and according to the equal principal and interest repayment method, you can repay 499 yuan less per month, reducing the monthly repayment pressure and releasing consumption potential.
It is worth noting that Beijing's optimization of the standard for ordinary houses has significantly relaxed the scope of identification, and the number of people who meet the standards of ordinary houses has increased significantly.
Beijing said that after the adjustment, the proportion of ordinary houses in the city will increase to about 70%, and more families will be able to enjoy the preferential VAT policy when housing is transferred.
Second, let's take a look at the adjustment in Shanghai.
The content of Shencheng's policy on December 14 is not only optimized to a greater extent, but also has considerable characteristics. The differentiated policies implemented for the suburbs are eye-catching.
While the down payment ratio of the first and second sets has declined, the increase in mortgage interest rates has also warmed home buyers. Not only the first set as low as 41%, and the second set of interest rates has dropped by as much as 70 basis points on the original basis.
Moreover, the identification criteria for ordinary houses have even canceled the first-class restrictions, and currently only have requirements for the type and construction area of the house. After this adjustment, the ** in line with the general house has been greatly improved.
In addition, in order to support the high-quality development of the "five new cities" and the key areas of north-south transformation, and promote the integration of industry and city, and the balance between jobs and housing, the Lingang New Area of the Free Trade Zone and the six administrative regions of Jiading, Qingpu, Songjiang, Fengxian, Baoshan and Jinshan have implemented differentiated policies.
In these designated areas, second-home merchant lending rates only need to be increased by 20 basis points, which is 10 basis points lower than the citywide level. The proportion of down payments for the second set is also 10% lower than that of other districts in the city.
This adjustment is not insignificant. The suburbs of Shanghai have benefited a lot from the stimulus of this policy. There is no doubt that properties in the area will be more liquid.
For the adjustment policy launched by Beijing and Shanghai, the market is also very cold, and the popularity of finding a house in the two cities has risen.
According to the exclusive data of 58 Anjuke Research Institute, the popularity of finding a house in Shanghai and Beijing on December 14 increased respectively from the previous day. 2%。On the same day, the popularity of finding a house in Shanghai was the highest point in the month.
It is foreseeable that this stimulus in Beijing and Shanghai will stir up more "splashes" at the end of this year, and the tail of the end of the year seems to be worth looking forward to.
Marginal improvement in real estate indicators The property market in 2024 continues to bode well
The current real estate market, judging from the development investment and housing prices in 70 cities released by the Bureau of Statistics, is still in adjustment, but there is a positive momentum at present.
On December 15, a spokesman for the National Bureau of Statistics said at a press conference that with the overall recovery of the economy and a series of optimization and adjustment policies in the real estate sector, some indicators of the recent real estate market are also showing signs of marginal improvement.
Coupled with the guidance of the tone of the first economic work conference, with the steady resolution of real estate risks, as well as the steady progress of the "three major projects" such as affordable housing construction, "level-emergency dual-use" public infrastructure construction, and urban village transformation, the real estate market is bound to show a trend of steady and healthy development.
In the future, in the context of accelerating the construction of a new model of real estate development, as various regions and departments further deepen the implementation of relevant policies in the real estate field, the policy effect will continue to appear, and the real estate market situation is expected to further improve.
2024 is approaching, and all kinds of good voices about the property market continue to come, which is a very good sign!