Due to the diversification of the city's strategy to make a long way to relay and introduce the measures of the stabilization property market

Reporter Cao Weixin

The stabilization of real estate measures in various places is still making further efforts. "Securities Daily" reporter sorted out and learned that following the launch of the stabilization property market in July this year, since August, many cities across the country have successively introduced relevant stabilized property market policies, involving the amount of provident fund loan, the standard for the first house, pre -sale standard, pre -sale sale Policies, talent purchase subsidies and other aspects.

On August 9, the Lianyungang Housing and Construction Bureau issued the "Notice on Further Promoting the Healthy and Stable Development of the Real Estate Market of Lianyungang City" (hereinafter referred to as the "Notice"), which not only significantly raised the amount of provident fund loans for buyers, but also clearly proposed "recognition of loans to loan loans Do not recognize the house, support corporate group purchase.

According to the notice, from July 1st, 2022 to December 31, 2022, if the purchase of housing provident fund unilaterally pays the housing provident fund in Lianyungang City, the maximum loan amount has increased from 300,000 yuan to 500,000 yuan. For housing provident fund, the maximum amount of loans has increased from 600,000 yuan to 1 million yuan. During the period of employees who purchase houses in Lianyungang City, no matter whether they have property rights or not, all parents or children can apply for a housing provident fund loan as a joint borrower. For families who have a house and have settled the corresponding house purchase loan, in order to improve the living conditions to apply for loans to purchase ordinary commercial housing, Lianyungang banking financial institution implements the first home loan policy. The notice also focuses on supporting concentrated batch purchase of commercial housing and supporting corporate group purchase of commercial housing. Development enterprises will give certain discounts.

Yan Yuejin, the research director of the Think Tank Center of the E -House Research Institute, told the reporter of the Securities Daily, "The policy of Lianyungang City clearly clearly has a common borrower of the provident fund loan, which belongs to the category of the" one -person house gang ". Above, this is also the practice that will continue to adopt the local area in the second half of the year, and it is still a characteristic of the financial help buying market. "

The reporter sorted out and found that as of now, more than 15 cities have launched relevant policies for "one -person house gang". In response to this phenomenon, Yan Yuejin believes that "essentially speaking, the" one -person house gang "is actually increasing the income level of home buyers and the threshold and pressure of provident fund loans. Such operations will not cause much financial risks. So localities can let go to pilot and advance. "

In addition, the reporter learned from the Housing and Construction Bureau of Haimen District, Nantong City that the "Several Opinions on Promoting the Steady and Healthy Development of the Real Estate Market" recently released the Haimen District. The New Deal has also adjusted the amount of public deposit loans of the buyer. If the local employee purchases the first set of ordinary commodity housing applications for provident fund loans, the loan amount is relaxed to twice the original loan quota. , 800,000 yuan/household. If the employee purchases the second set of ordinary commodity housing applications for provident fund loans, the maximum loan amount is adjusted to 400,000 yuan/person, 800,000 yuan/household. For the employees who obtain a master's degree or senior titles or above or above, the maximum loan amount is adjusted to 800,000 yuan/person, 1.6 million yuan/households.

In addition, the New Deal also focuses on the purchase of ordinary commercial housing through a commercial bank loan through a commercial bank, with a minimum of 20%of the down payment ratio of the house purchase, and a minimum down payment ratio of the second home.

Relevant staff of the Housing District Housing and Urban Construction Bureau told the "Securities Daily" reporter, "The minimum down payment percentage of the first house purchase of 20%has been implemented for some time. The relevant policies have been introduced by Nantong City before, and it is also applicable to Haimen District. The new policy is just. Do it further. "

In addition to the buyer's level, the new policy issued by Haimen District also introduced policies such as reducing the proportion of land purchase margin payment, relaxation of pre -sale standards, and encouraging financing at the corporate level. Among them, the pre -sale license image of real estate projects for non -assembly buildings is adjusted to the implementation standard of the progress of the progress of the progress of the implementation of the structure of the low -rise buildings; the main structure of the main structure is complete (inclusive). 30%.

"The adjustment of the pre -sale standard of Haimen is worthy of industry attention. The New Deal clarified differentiated pre -sale standards for low -level, middle and high -rise housing projects, helping each real estate to better pre -sale, and accelerating the return of housing companies. It has a positive effect. "Yan Yuejin said.

In addition to Lianyungang and Haimen, in August, Changchun, Anqing, Yunnan Mengla County and other places also added teams to stabilize the property market in the city to stabilize the property market to promote market recovery around the provident fund loan quota and talent purchase subsidies.

According to the monitoring data of the Zhuge Housing Data Research Center, the sales area of ​​40 new houses in Zhuge Finding Housing in July 2022 was 16.5252 million square meters, a decrease of 28.30%month -on -month, and a decrease of 30.81%year -on -year; 10 second -hand second -hand second -hand second -hand monitoring monitoring. Residential transaction volume was 65,794 units, a slight increase of 2.01%month -on -month, an increase of 11.92%year -on -year. In July, the transaction scale increased again, and the monthly transaction high in the past year was recorded.

Can the new policy of the stabilization property market introduced in various places further help to stabilize the first -hand housing market? In an interview with a reporter from the Securities Daily, there are unknown real estate practitioners said, "Since the beginning of this year, the real estate market policy has frequently released the signal of improvement, especially in the second quarter. It takes time to test. "

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