On January 26, the housing and urban-rural development department held a meeting to set the tone, pointing out that "fully give the autonomy of urban real estate regulation and control, and adjust the real estate policy according to local conditions", within a week, the property market in Guangzhou, Shanghai and Suzhou has successively introduced favorable real estate policies such as canceling purchase restrictions and price limits. Will these favorable policies provoke a small spring in the property market? Let's break it down.
Guangzhou has lifted restrictions on housing purchases
Guangzhou is one of the fastest responding cities, on the second day of the meeting of the Ministry of Housing and Urban-Rural Development, it was announced that the purchase of more than 120 square meters of housing restrictions, and within the scope of the purchase restriction area, residents will use their own housing as rental housing and go through the housing lease registration and filing procedures, or in the stock housing trading system to obtain ** information code and listing plan**, the number of family housing units will be reduced accordingly when purchasing housing, and the purchase restrictions for families with multiple properties will also be released in disguise.
However, according to the people who sell houses in Guangzhou, although there are more people looking at houses than before in the past few days when the purchase restriction policy is relaxed, they are just waiting and seeing, and the transaction volume has not increased too much.
Suzhou fired the first shot at the unrestricted price reduction of new home sales
The price reduction of new houses in Suzhou is not limited, which has recently caused many netizens to discuss, and the local housing and urban-rural development department responded: ** It should return to the market, so that the unfinished buildings can be reduced accordingly.
At the same time, some netizens consulted Suzhou Xiangcheng District and replied: At present, commercial housing implements one room and one price, and the first record is carried out before applying for a sales license, and its actual sales shall not be higher than the record price; If the sale is lower than the record price, there is no relevant restriction on the range of the lower than the record price. This means that the price reduction of real estate is no longer restricted, and developers can reduce and discount accordingly according to their own situation.
After the Suzhou policy came out, more than 1,000 sets of second-hand houses were lowered in their listing prices, and the price reduction amount was mostly tens of thousands to hundreds of thousands. At the same time, the price of real estate in multiple districts is sold, and there is a 20% discount, 75% off, even 62% off.
Shanghai's purchase restriction policy has been relaxed
After January 31, non-registered residents who have paid social insurance or individual income tax in Shanghai for five consecutive years or more can purchase one house in areas outside the outer ring (except Chongming District). This time, the married person has been canceled, which is equivalent to a single person who is not registered in Shanghai to buy a house.
Let's do an analysis: according to the data of the seventh census, Shanghai's non-registered population is about 10.48 million, of which the proportion of people who rent accounts for about 85%, that is, less than 9 million people need to buy a house, among these 9 million people, the possibility of buying a house and meeting the social security for 5 years accounts for about 10%, that is, 900,000 people, there must be a part of the group of people who only rent and do not buy a house, and there may be more than 400,000 people who may be willing to buy a house in the end. These 400,000 home buyers may be able to stimulate the Shanghai property market in the short term, but in the long run, the policy is not very open, and it still can't stimulate too many groups that just need to buy houses.
In fact, the recent favorable property market policies in these cities are not big enough to arouse the willingness of home buyers to buy houses.
The spring of the national property market has not yet come.
At present, the national housing buying group is still dominated by new citizens and new young people, and the most important thing for the rigid demand group is whether they can afford to buy it and whether they want to bear more mortgages.
Finally, I personally believe that the following changes should be made to stimulate the demand for home purchases:
1. Reduce the mortgage interest rate to about 3, so as to reduce the debt pressure of home buyers;
2. Increase residents' income, in recent years, residents do not buy houses, do not consume, the biggest reason is the decline in residents' income, the sense of crisis, only to increase the income of residents to change this situation;
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3. Issuing tickets to first-time home buyers, and buying a new house can be worth 50,000-200,000 yuan.
In fact, the ultimate reason for the bleak property market in the country is that residents have no money in their hands and have no good future expectations for real estate. Therefore, stimulating the demand side can save real estate!
What policies can be introduced to stimulate the willingness of home buyers to buy a house? Feel free to share your thoughts in the comment section.