Fight! This time the house purchase subsidy policy is really urgent.
Shuangwen, non-existent
A few days ago, Xingwen County in Yibin, Sichuan Province, introduced a housing subsidy policy.
The financial department will pay for the down payment and monthly payment.
All industrial workers who have worked in the enterprises of Xingwen County Air Railway New Area for 6 consecutive months can enjoy a down payment discount when purchasing a house, and the proportion of deferred down payment does not exceed 50%, and the total amount does not exceed 100,000 yuan.
According to the local **, a 100-square-meter house is about 600,000 yuan, the down payment is 3 percent, and the down payment is 200,000 yuan.
The term of this ** loan is 2 years, the first year is interest-free, and the second year needs to pay the loan interest for the same period, and the same is true for the monthly payment policy.
This is not over, Xingwen County at the same timeEncourage enterprises to pay wages in advance and make down payments.
For enterprises, 5 or more sets of ** commercial houses per month, 5% of the total preferential house price; If you have been employed in the same enterprise for 3 years, you can get a subsidy voucher of 20,000 yuan for a new house.
In other words, the proportion of the down payment for the actual purchase of a house by employees is likely to be less than 10%, and the 100,000 yuan of the financial subsidy is basically equivalent to "zero down payment".
What, not enough for a down payment? Here's the down payment advance to find out.
Ha, the monthly payment is almost there? Apply for the monthly payment here.
There are not many cruel words, and the decision-making level of Xingwen County this time has almost taken into account the down payment, monthly payment, and interest rate involved in buying a house.
At first glance, this policy may seem avant-garde, but its essence is to encourage residents to increase leverage.
It seems to be paying out of pocket to solve the problem of insufficient funds for your down payment, but in fact, you don't need to really take out the money, but more of a sales role.
For this New Deal,The end result is that the ideas provided are greater than the practice itself.
On the one hand, this special project is just a lubricant, but how many people apply in the end, what is in place for this fund, and the allocation after the advance is still an open question.
In addition, according to the local economic level, in 2022, the average salary of employees in all urban units in Yibin City will be 79,588 yuan, of which the average salary of employees in urban private units will only be 57,024 yuan, and the overall wage level is not high.
Those who can afford it don't need it at all, and those who can't afford it don't just lack three or five thousand yuan.
Its greatest effect is to show an attitude that the ** side is willing to keep these workers.
On the other hand, advance wages and make a down payment, which is very picky.
This encouraging and guiding policy, at most, is that some local state-owned enterprises will manage you, and they want some private companies to pay you wages in advance, so let's wash and sleep here.
Of course, it doesn't matter if you don't encourage small Xingwen County enterprises, as long as other local enterprises are excited.
I think you're really hungry
In addition to the small counties of the third, fourth and fifth lines, the first-line rescue has also reached the time for renewal.
Before the holiday, the core first- and second-tier cities such as Shanghai, Suzhou, Shenzhen, etc. have successively loosened purchase restrictions, after a Spring Festival holiday information fermentation, after the holiday back is unremarkable.
Take a look at the Spring Festival property market data,
According to statistics, the trading volume of 44 key cities during the Spring Festival week was only 23380,000 square meters, down 87% month-on-month, down 40% year-on-year, and 82% lower than the same period in 2022.
Among them, the popularity of first-tier cities has fallen from a high level, with a year-on-year decline of more than 8 percent, the second-tier transaction performance is slightly better than that of the first-tier, and the third- and fourth-tier continue to build the bottom, and the return to the hometown has not appeared.
There is no accident, the property market in 2024 will still start at a record low.
Before the holiday, in order to activate the market, Guangzhou threw a bombshell and relaxed the purchase restrictions on more than 120 units.
However, judging from the data, during the Spring Festival, only 15 new houses were traded in Guangzhou, with an average daily transaction of 2 units, a year-on-year decrease of 3269%。
The previous relaxation of loan restrictions still has a limited stimulating effect on home buyers.
The day after the holiday, Guangzhou couldn't sit still, and the circle of friends was swiped by Guangzhou intermediaries: if you have two suites in Guangzhou, as long as all of them are rented or sold, you can achieve 3% of the first set according to the interest rate of the first house.
In this regard, the intermediary brothers also tacitly accompanied the same document, which shows two messagesThe first is the guidelines for the registration and filing of housing leases, and the second is the guidelines for obtaining the ** information code of stock housing transactions.
They all point to one important point:Buying a house in Guangzhou, almost everyone can now enjoy 385% interest rate on first homes.
Although the specific documents have not yet been issued, there are currently several banks in Guangzhou that can operate, and as long as the house is rented out, it can not be counted in the quota.
This matter is not new, when the new policy of Guangzhou was interpreted, there was a cancellation of the 120 luxury house purchase limit, with the introduction of the policy, Guangzhou has essentially been close to the full cancellation of the purchase limit.
This means that in Guangzhou now, as long as you can afford it, no matter what you want to buy, you can buy as much as you want.
3 into a down payment, the first set of interest rates to buy a house, coupled with the unexpected interest rate cut of the central mother, now you should always feel my sincerity.
To be honest, this is the first time I have seen such a humble first-tier city.
The first line is urgent, and the third, fourth and fifth lines are even more urgent
In the middle of last year, the property market delegated the authority to regulate and control to the local government, and all localities can implement policies according to local conditions and cities.
The third-, fourth- and fifth-tier cities represented by Xingwen County in Sichuan Province are far more difficult to survive than the first-tier cities.
Compared with the voices of first-tier cities such as Beijing, Shanghai, Guangzhou and Shenzhen that have relaxed and canceled their purchase restriction policies, their voices to rescue the market are minimal.
Most of them are facing their own economic difficulties, population loss, and huge inventories, and no matter how much they try to save themselves, it seems that it is difficult to curb their downward decline.
As early as September last year, Xingwen County had already issued a housing subsidy for industrial workers, and the intensity at that time was not as strong as now, and there was no splash.
And this time, Xingwen County is tightly holding on to the enterprise and the financial advance funds, the reality behind this is mainly because it is in a hurry.
Judging from the commercial and residential land transactions in Xingwen County in the past three years,In 2021, about 183 acres will be sold; In 2022, about 128 acres will be sold; In 2023, about 39 acres will be transacted.
Its land revenue is getting smaller and smaller, and the link is increasing local financial pressure.
It can be said that Xingwen County, which was forced into a corner by finance, land and local debts this time, had to stand up and save its own city this time.
Since last year, the third- and fourth-tier cities have almost entered a frenzied bailout, and even did not hesitate to use all kinds of tricks, such as agricultural products arriving at the house, buying houses and sending pigs, encouraging leaders to take the lead in buying houses, encouraging farmers to buy houses, and so on.
Last year, in order to encourage farmers to buy houses, Yulin in Guangxi Province gave the task of selling houses to civil servants and included them in their performance evaluations, and they needed to go to the village to sell houses door-to-door.
Alas, it's hard, it's too hard.
Finally, if we look at these two new policies, we can probably predict the next direction of the bailout.
First, in the future, everyone will rely on their own abilities, and the phenomenon of fancy work will only increase.
Approaching Xiaoyangchun, the repaired property market will be full of energy again, and there will be all kinds of strange routines emerging in an endless stream, and the party will finally usher in the final victory.
Second, with the introduction of various subsidy policies, the implementation of real estate tax will be even more slim in the future.
At present, it is unlikely that there will be substantial real estate taxes in first-tier or third-, fourth- and fifth-tier cities with serious population loss.
Now the conditions for buying a house are relaxed, but the subsequent deed tax reduction must also keep up as soon as possible.
Every move in Beijing, Shanghai, Guangzhou and Shenzhen has always been related to the overall situation, and the third, fourth and fifth-tier cities have been almost naked from the beginning.
Next, the bailout will only be more intense and more brutal.