The Ministry of Housing and Urban-Rural Development is difficult to solve, and experts may lay the groundwork for future changes.
Needless to say, the current situation of the domestic real estate industry in 2022 can be summed up in four words: the withdrawal of funds is weak. According to some data, the top 100 real estate companies completed a total of 5,404.9 billion, a decrease of 16 from the same period last year5%, compared to a decline of 14 from January to November4%, and the sales standard for the top 100 real estate developers also dropped to 110400 million, a decrease of 49%。
In addition, there are only 16 real estate companies with more than 100 billion yuan in the national real estate market in 2023, compared with 20 in 2022 and 43 in 2021. According to Caijing media, the difficulties encountered by domestic real estate companies in the past year are not as simple as a decline in sales.
What's more, not only private real estate developers, but also some mixed-use real estate developers are also facing a shortage of funds. This is also the reason why, at the beginning of 2021, the Ministry of Housing and Urban-Rural Development frequently mentioned the financing of real estate enterprises.
It can also be said to be a crucial step: the "white list" of property developers. However, most people don't get it. Regarding the development trend of the country's real estate market, experts gave a twenty-word prediction, which is quite likely to be correct.
In fact, in a sense, we all understand the blacklist, so from another perspective, the "whitelist" of real estate developers is to provide more help and assistance to those companies. For example, in other companies, the bank's loan amount is only 100 million, while the "whitelisted" real estate companies can have 500 million, or even 1 billion, which is probably the reason.
Earlier this January, the Ministry of Housing and Urban-Rural Development and the Ministry of Finance jointly issued an announcement on a "list of real estate projects that can be supported by funding". On January 23, the central bank and the China Banking Regulatory Commission, two major departments, released another piece of news that these two departments are beneficial to the real estate market.
First, private development companies such as Xincheng, Wanda, and Longfor; Second, Vanke, China Resources Real Estate and other mixed real estate developers or enterprises. More critically, at the end of January, it is expected that the first "white list" of real estate developers will appear and be issued.
But the problem is that this matter seems to be beneficial to the real estate company and has nothing to do with them, but it is true. The answer is definitely not, and I think it can go a long way in alleviating the difficulties of buying a home right now.
What is the most fearful problem you are currently facing when you want to buy a house? Needless to say, 99% of the answers are "unfinished", and the author believes that the implementation of the "white list" system for real estate enterprises is a very important step.
According to the data, in December 2023, 905 real estate companies defaulted on their bills, a total of 2,356 enterprises, with a cumulative overdue of 3,419, while the acceptors of real estate enterprises reached 905, so, some people say that the debt repayment pressure of real estate enterprises in 2024 has exceeded that of 2023, and there is a funding gap for pre-sold houses that have not yet been completed.
Setting up a whitelist can kill two birds with one stone, first, it can alleviate the financial problems of property developers and get them out of the current crisis.
By the end of 2023, there will be 3.5 million households in the "guaranteed delivery of buildings" project, and more than 2.68 million households have been delivered, the most important of which is that on the basis of the issuance of 350 billion yuan of special loans, the credit line of 200 billion yuan has been added, which can be described as a large amount.
In addition, the research team of Ding Jiangang of the Zhejiang News ** Real Estate Research Institute also made a 20-word prediction for the future housing price trend: it is expected that the real estate market will appear "loose money and strong waterproof". Needless to say, this statement reveals a very important message.
In other words, from next year, the country's fiscal policy will become more accommodative, which is probably the so-called "targeted easing".
This is consistent with the policy of regulating the real estate market, to maintain the stability of the real estate market, the development of the real estate market, not only to ensure the stability of the real estate market, but also to ensure the quality of real estate. If that's the case, doesn't that mean there's something big wrong with the developer? To put it simply, it's a matter of funding.
All in all. Judging by the previous content of the article, I believe that the 20-word prediction of the experts, especially in the field of finance, is correct.
Or is it dominated by hybrid property developers and private property developers, is this a strong directional easing? So at the end of the day, the old solar era is over, and now is the time to have a goal.
As a buyer, you don't have to refer too much to the experience of others, you must start from yourself, which is the most important thing.
What are your thoughts on this matter?
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