As the Chinese New Year approaches, good news for the real estate market is coming.
First, in order to support the high-quality development of Beijing's urban sub-center, Beijing's Tongzhou housing purchase restriction policy, which has been implemented for 9 years, has ushered in an optimization and adjustment.
Second, the expansion of the "white list" of real estate financing projects across the country has accelerated, and nearly 20 billion yuan of loans have been issued.
Beijing Tongzhou purchase restriction policy adjustment.
The Beijing Municipal Commission of Housing and Urban-Rural Development and Tongzhou District announced on February 6 that from now on, four types of families who are qualified to buy houses in Beijing can buy a set of commercial housing in Tongzhou District. The biggest change in the new policy is that families who have settled and worked in Tongzhou District can be in line with Beijing's overall purchase restriction policy, and the requirement of three years of settlement, social security or tax payment has been abolished.
In order to curb investment in speculative real estate speculation, in August 2015, the "Notice on Strengthening the Management of Commercial Housing Sales in Tongzhou District" was promulgated. The notice requires that only Beijing families who do not have a house; Beijing families who already have 1 house but have settled in Tongzhou for 3 years or more; Beijing families who have 1 house and have paid social security or individual income tax in Tongzhou in the past 3 years; and non-Beijing families who do not have a house in Beijing and have continuously paid social security or individual income tax in Tongzhou in the past three years, can purchase commercial housing in Tongzhou.
Judging from the new policy that has just been introduced, the first type of Beijing homeless families have not changed compared with before, and they can still buy one commercial house in Tongzhou District.
The second category of Beijing families who already have one house and are registered in Tongzhou District will no longer be subject to the time limit of 3 years or more after the adjustment, and can purchase another set of commercial housing in Tongzhou District as long as they meet the city's purchase restriction policy.
The third type of Beijing families who already have one house in the city and whose household registration is not in Tongzhou District but work in Tongzhou District will no longer need social security or tax payment for 3 years after the adjustment, and as long as the labor relationship is in Tongzhou District, they can buy another set of commercial housing.
The fourth category of non-Beijing families who do not have a house in the city, after the adjustment, has also canceled the restrictions on continuous payment of social security or individual income tax in Tongzhou District in the past three years. As long as the labor relationship is in Tongzhou District and meets the purchase restriction policy of Beijing, you can buy 1 commercial house in Tongzhou District.
In other words, after the optimization and adjustment, if families who settle down or work in Tongzhou District need to buy commercial housing in Tongzhou District, they can comply with the city's overall purchase restriction policy and will no longer be subject to the "double limit".
This policy is similar to the previous relaxation of purchase restrictions in Guangzhou, Shanghai and other cities, indicating that the housing purchase policy in many places is being further relaxed in 2024. Yan Yuejin, research director of the E-House Research Institute, told a reporter from Shanghai ** Daily.
The expansion of the "white list" of real estate financing projects has been accelerated.
Another good news in the real estate sector is that the "white list" of real estate financing projects is accelerating its expansion, including a number of projects from Country Garden, CIFI Holdings, Sunac China, Greenland Holdings, Jianye Real Estate, Jinke and other real estate companies, which has further increased the confidence of all parties in reducing risks.
The reporter learned from the Ministry of Housing and Urban-Rural Development and the State Administration of Financial Supervision that as of the end of January, 170 cities in 26 provinces have established an urban real estate financing coordination mechanism, put forward the first batch of real estate project "white list" and pushed to commercial banks, involving a total of 3,218 real estate projects. After receiving the list, the commercial bank reviewed the projects in accordance with the regulations, and has issued loans to 83 projects in 27 cities with a total of 178600 million yuan.
All localities have accelerated the establishment of a city-centered real estate financing coordination mechanism, put forward a "white list" of real estate projects that can be given financing support, and pushed it to commercial banks within their respective administrative regions to meet the reasonable financing needs of real estate projects and enterprises.
It is reported that in the list of the first batch of real estate projects, 84% of the projects belong to the projects developed by private real estate enterprises and mixed-ownership real estate enterprises, which truly implements the reasonable financing needs of real estate enterprises of different ownership systems without discrimination.
According to the reporter's incomplete statistics, at present, Inner Mongolia, Chengdu, Changchun and other places have clearly prepared the second batch of "white list" of real estate projects, or formulated the next batch of reporting progress requirements.
There is no doubt that the successive release of the "white list" not only provides good support for the financing of real estate projects, but also injects confidence into the stability of the real estate market.
Analysts said that the transformation from the "white list" of enterprises to the "white list" of projects is conducive to reducing the phased difficulty of ensuring the delivery of buildings, revitalizing some projects of enterprises, and realizing the task of ensuring the delivery of buildings with the help of social funds and the power of bailouts. At the same time, this measure also increases the possibility of real estate companies saving themselves.
Even if it is an insuring real estate company, as long as the project is of sufficient quality and can bring income, it can be financed under the condition of closed management and controllable risks. When the enterprise is profitable, it has new funds to repay its debts**, and the enterprise has found a way out to save itself. The above-mentioned analyst said.
*: Shanghai ** Daily.
Editor: Wang Di.