"One old and one young", the newest concern of the property market?

In general concepts, the young and middle -aged groups are the main force of buying a house. However, recently, there have been many house purchase policies related to the elderly and children.

What signals did "one old and one small" buy a house?

Beijing pilot provides special support for the elderly to buy a house for the elderly

As the capital, the new real estate policy in Beijing is always attractive. On the 4th, the official public account of the Beijing Municipal Housing and Construction Commission "Anju Beijing" published "Multi -measures and improved the quality of the elderly families to create a full -age friendly community". This year, in the second batch of land supply, the Changping District Pingxi Prefecture and Shunyi have been selected in the second batch of land supply. Three land such as the Fushuang and Shunyi District Xuezhuang, etc., conducted a pilot of all -age -friendly housing projects.

In order to effectively solve the actual difficulties in the purchase of houses for elderly families, the above -mentioned pilot projects are purchased by the elderly families (60 years old and above) in the central urban area, and the household registration is located to the location of the pilot project, and a certain support policy is given.

Including: if there is no housing and no loan in the name of the elderly family, the down payment ratio of the general housing execution of the pilot project is 35%, the non -ordinary housing execution down payment ratio is 40%, and the corresponding loan preferential interest rate; , According to the first set of down payment ratios of 35%and 60%of the down payment ratio of the second house; their children can apply for a loan as a joint borrower.

"If the elderly have no house and no loan, in addition to the 35%regulations of Beijing's existing down payment ratio, they can also enjoy preferential loan interest rates. The interpretation states that the elderly who determined to be the second set of houses can also enjoy a discount of 60%of the down payment, and the previous down payment ratio is 80%.

Yan Yuejin also pointed out that "children can apply for loans as joint borrowers" means that the elderly can also enjoy the "one -person house gang", which allows the elderly to obtain loan qualifications and higher loan support.

"Beijing's policy has adopted the characteristics of directional relaxation and piloting for specific projects for the elderly." Yan Yuejin said that this also shows that there are some local and directed policies fine -tuning in first -tier cities.

There are also sounds that this time in Beijing is a special support policy for the elderly from solving aging problems and improving the living conditions of the elderly, and has no direct relationship with the regulation of the real estate market. Beijing Yizhi Consultant also told CICC reporters that the policy of policies is small and less participating in real estate. At present, it seems that it directly has a small impact.

However, they are more concerned about the document that "the next step will further expand the construction of friendly projects on the basis of summing up the pilot experience, and at the same time study support measures for reasonable housing needs such as children's families and vocational housing buying houses. "This is considered to be the possibility of further policies.

"Currently only for pilot projects, the scope is still relatively limited, but the project involved in the future is expected to expand. The positive signals given this time are more obvious." Chen Wenjing, the market research director of the Index Division of the Medical Research Institute It will also have a positive impact on the real estate market in Beijing.

Since this year, in addition to Beijing, other cities have proposed preferential policies for the elderly buying groups.

For example, on March 1, Zhengzhou, Henan issued the "Notice on Promoting the Patient Circle and Healthy Development of the Real Estate Industry". In order to meet the needs of home care, children and close relatives work and live in Zheng, encourage the elderly to come to Zheng Tao to care for the elderly and allow them to allow them Try to buy a new house for a family.

In April, Lanzhou, Gansu, released the "Several Measures for the Strategy of Implementing the Strong Provincial Capital of Lanzhou City to further optimize the business environment (No. 1)". For adults working and living in Lanzhou Give support, allowing their families to purchase a new house in a restricted purchase area. For families that meet the national fertility policy and have two children or three children, they allow them to purchase a new house in a restricted area.

Frequent children's house buying discounts frequently

Recently, there are multiple grounds to launch preferential property markets to two -child and three -child families. The content mainly includes increasing the purchase indicators of housing, increasing the amount of housing provident fund loans, and subsidies.

On the 3rd, "Family in Changsha's Birth Two Childs added 1 Settling Housing Index" appeared on the hot search. Earlier, Wuhan, Hubei, launched a new policy in May. For families in the city's household registration residents who are in line with the national fertility policy, and two houses in Wuhan have 2 houses, 1 new house can be purchased in a restricted purchase area. Essence

Hangzhou also issued a new policy to support the three -child family in May: the third child who gave birth and adoption after the same couple after May 31, 2021 (inclusive), the number of house restrictions increased by one set, and participated in the new house shake. Family "priority.

"Under the premise of supporting the reasonable housing needs of many children's families, it can not only increase market purchasing power, but also play a role in promoting fertility." Senior High School, Executive Vice President Gao Yuan of the Zhejiang Branch of the China Finger Research Institute.

Since the beginning of this year, the housing provident fund policy has become an important direction for optimizing and adjusting real estate policies in many places, and has also become an important means to enhance many children's family protection in various places.

On August 1, Hangzhou, Zhejiang issued a new policy. If the three -child family in Hangzhou purchased the first ordinary self -living housing and applied for a housing provident fund loan for the first time, the loan amount could be determined by 20%of the maximum loan limit of the family.

A few days ago, Cangzhou, Hebei, increased the amount of housing housing provident fund loans in many children's households.Among them, the maximum loan quota of the two -child family rises 100,000 yuan, the maximum loan amount of the three -child family has floated 200,000 yuan, and the maximum loan was 1 million yuan."Overall sorting out and found that such policies such as Hunan and other places in Zhejiang, Zhejiang, and other places have objectively ensured the optimization of the three -child household purchase environment of these provinces and cities." Yan Yuejin said.

At the same time, the direct purchase subsidy for multiple children's families is also an important real estate policy.For example, on August 2nd, Jiaxing, Zhejiang, made a clear article that from the date of release to December 31, 2022, the newly purchased newly -built commercial housing household registration two -child and three -child residents' families will be given 300 yuan per square meter (single single single (single single single (single single singleThe house purchase subsidy of house purchase subsidies with no more than 50,000 yuan) and 500 yuan per square meter (a single set does not exceed 100,000 yuan).

The industry generally believes that the trend of tilting real estate policies to three -child families will continue in the future.

Responsible editor: Wang Shidan | Audit: Li Zhen | Director: Wan Junwei

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