Recently, Ni Hong, Minister of Housing and Urban-Rural Development, said that a series of policy measures such as recognising housing without recognising loans, reducing down payment ratios and interest rates, continuing to implement individual income tax policies related to supporting residents to purchase housing, and reducing intermediary fees for second-hand housing sales have played a positive role in stabilizing real estate.
Ni Hong introduced that from January to November, the transaction volume of first-hand real estate in the country decreased by 8% year-on-year, but the transaction volume of second-hand housing, according to the data of the online signature, rose by 40%, indicating that the real estate market has not shrunk, and there is positive growth year-on-year, but the structure of the transaction has changed. The proportion of second-hand housing in the total real estate transaction has exceeded 37%.
Regarding the work of "guaranteeing the delivery of buildings", Ni Hong said that this work has been solidly promoted, which has played a positive role in stabilizing market expectations and safeguarding the legitimate rights and interests of buyers. For next year's real estate market, the Ministry of Housing and Urban-Rural Development will continue to optimize the real estate policy, strengthen the main responsibility of the city, optimize the target management, support the city to adapt to local conditions, adjust the real estate policy, and further increase the support for the first set and improved housing policy, so that the people can get benefits. In addition, we will continue to do a good job in ensuring the delivery of buildings, ensuring people's livelihood and ensuring stability. At the same time, to meet the reasonable financing needs of real estate enterprises of different ownership systems without discrimination, and to guide local governments to establish a city-based real estate financing coordination mechanism in conjunction with the State Administration of Financial Regulation, one project and one plan, and implement financial support.
Shanghai: The new deal boosts first-hand housing transactions
In Shanghai's new housing market, after the introduction of the new policy not long ago, the actual viewing and transaction volume of developers' projects have increased to a certain extent compared with before the introduction of the new policy.
This new property in Songjiang District was officially launched shortly before the introduction of Shanghai's new policy. From the afternoon to the evening on weekdays this week, the reporter saw that home buyers would visit from time to time. According to this new policy, Shanghai has implemented differentiated policies in the Lingang New Area of the Free Trade Zone and the six administrative districts of Jiading, Qingpu, Songjiang, Fengxian, Baoshan and Jinshan, and the down payment for second homes has been reduced to a minimum of 40%.
Industry insiders said that since September Shanghai began to implement the policy of "recognising housing without recognising loans", the market has generally stabilized and recovered, and after the policy optimization, it is expected to effectively enhance the activity of the real estate market and improve the level of second-hand housing and new housing.
Beijing: In the first week of the implementation of the new policy, some housing demand began to be released
In Beijing, the reporter visited the Beijing real estate market in the past two days and found that the second-hand housing market is still in a wait-and-see mood, but the new housing market has been affected by the policy and has undergone some changes.
On December 14, Beijing introduced a new policy for the property market, reducing the minimum down payment ratio of personal housing loans for the first home 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, it has also optimized and adjusted the mortgage interest rate, loan term and general housing standard. After the release of the new policy, many citizens who are interested in buying a house choose to come out to see the house.
The reporter saw in this sales office in Fangshan District, Beijing, that although it was a weekday morning, there were still some people who came to see the house. After the reporter inquired, it was found that most of them were customers who improved their sexual needs, as well as those who wanted to buy their first home.
According to the sales staff of the sales office, the new policy lowers the threshold for buying a house, broadens everyone's choice, and also reduces the repayment burden of the loan, which stimulates the activity of home buyers. At present, the number of inquiries, the number of visits, and the sales volume of the store have increased to a certain extent.
However, the reporter observed that not all new housing projects are like this, and there are not a few real estate projects with low passenger flow. Industry insiders told reporters that since the new policy has only been promulgated for a week, it will take more time for the market to improve.
**: CCTV news client