Over 24 cities push the "one person to buy a house for the whole family" one city, one city, one strategy "or continue deepening

Reporter Du Yumeng

As the focus of the provident fund policy optimization, the measure of "one person to buy a house" is being promoted by many cities across the country. According to incomplete statistics from reporters, over 24 cities have launched this measure since this year, focusing on third- and fourth -tier cities.

An industry analysis interviewed by the reporter of the Securities Daily believes that the "one person to buy a house for the whole family" is expected to expand to more cities in the future. At the same time, with the recent high -level high -level states that "reasonably support rigidity and improve housing demand", the "one city, one policy" in the short term is expected to continue to deepen.

Release requirements

Wake up "Sleep Fund"

"One person to buy a house for the whole family" mainly refers to the child purchase of the child's housing provident fund account, and the parents can participate in the repayment as a common repayment person.

For example, the Shijiazhuang Housing Provident Fund Management Center announced on September 6 that starting from October 1 this year, the use of housing provident fund loans to purchase borrowers who live in the administrative area of ​​Shijiazhuang City, and their parents can apply for participation as co -repayers to participate Payment; employee spouses are common people in real estate, and spouse parents can also apply for repayment as co -repayers. The common repayment person is up to 2 people. Common repayers can apply for the balance of the housing provident fund account. This means that Shijiazhuang explicitly expressed his support to support the "one person to buy a house."

"This measure is flexible and favorable for the first settlement buyer." Zhang Bo, Dean of the 58 Anju Housing Research Institute, said in an interview with the Securities Daily reporter that because many cities have strictly limited the direct restricted relatives in the measure The scope has strengthened the self -occupied attributes, which is expected to further promote the purchase of houses and youth groups.

Ye Yindan, a researcher at the Bank of China Research Institute, told a reporter from the Securities Daily that this measure mainly reduces the threshold and repayment pressure of personal home purchase through the form of the whole family, which helps to release some rigid demand, but for stimulating improving sexual needs or other needs The role is expected to be relatively limited. In addition to better supporting reasonable housing demand, this measure has further revitalized the funds in the existing provident fund account, which can wake up "sleep funds", thereby improving the efficiency of housing provident fund use, better exerting housing provident fund to reduce employees' housing housing The role of expenditure burden.

Judging from the real estate support policies introduced during the year, compared with relaxation of the regulatory content of the property market and other property market, the adjustment and optimization of the housing provident fund policy is obviously more diverse. And "one person to buy a house for the whole family" and so on.

Chen Wenjing, director of market research director of the Index Division of the Medium Finger Research Institute, said in an interview with the Securities Daily that the housing provident fund as a long -term housing -specific savings, the scope of use is relatively limited. At the same time, the policy of housing provident fund has strong orientation, which is conducive to supporting residents who really have the demand for house purchase and promoting the release of housing demand. After the real estate industry has entered a period of in -depth adjustment, there are more cities that have benefited from the housing provident fund policy, so it has also become the type of regulation policy in the field of real estate this year.

Make a good policy tool box

Reverse the property market expectations

Monitoring and statistics of the China Housing Research Research and Evaluation Research Center. In August, the local area has issued a total of 75 real estate regulation policies. The content of the regulatory policy covers the supply side of the enterprise and the demand side of the residents. Core measures include reducing the land bidding deposit of housing enterprises, optimizing the purchase restriction policy, issuing fiscal purchase subsidies, the maximum loan amount of housing provident funds, and the minimum down payment ratio of the house purchase.

However, the downlink trend of the real estate market has not been significantly relieved. According to the "Hundred City New Housing Transaction Reports" released by the E -House Research Institute, in August, the area of ​​newly -built commercial housing in 100 cities across the country was 23.89 million square meters, a decrease of 8%month -on -month, and a decrease of 32%year -on -year.

"Data through the year -on -year growth rate of new commercial housing transactions can also be seen in the market pressure and changes." Yan Yuejin, research director of the Think Tank Center of the E -House Research Institute, told reporters that the year -on -year growth rate of new house transactions since June last year observed the year -on -year growth rate of new houses. , Overall is in the trend of continuous decline, speed reduction, and narrowing. Especially in April this year, the year -on -year growth rate of new houses has increased by 61%. Although the indicators have improved significantly in May and June, the decline in July and August has expanded, respectively, 33, respectively, 33, respectively, 33, respectively, 33, respectively, 33, respectively, 33, respectively, 33, respectively. %And 32%. This shows that the recovery process of the property market is still facing uncertainty, which also means that the current stimulus boosts rigidity and improved housing demand is still urgent.

"Securities Daily" reporter sorted out and found that since the Political Bureau of the Central Committee of the Communist Party of China held a meeting on July 28, it clearly put forward the four Executive Meeting of the State Council's executive meeting of the State Council after supporting the needs of rigidity and improving housing "on July 28 Among them, three meetings are mentioned.

Among them, the executive meeting of the State Council held on July 29 proposed "supporting rigidity and improving housing needs"; the executive meeting of the State Council held on August 24 proposed "Allow the Local" One City One Policies "to use credit to use credit to reasonably support rigidity And improving housing demand "; the executive meeting of the State Council held on August 31 emphasizes" supporting rigid and improving housing needs, localities need to "one city, one strategy 'to make good use of policy toolboxes, and use phased credit policies and insured. Special loan ".

In Chen Wenjing's view, as the policy faces the frequent release of positive signals in the real estate market, the efforts of "one city, one policy" in various places in the short term are expected to increase.Wait.Dongfang Jincheng Chief Macro analyst Wang Qing said in an interview with the Securities Daily that in addition to the optimization and adjustment of the housing provident fund policy, the subsequent "one city, one policy" policy may also implement the condition of relaxation of the "business transfer" conditions.Encourage places to increase the support of the policy of insurance in various ways and further improve the financing environment of local real estate enterprises.

In Wang Qing's view, the key to reversing the expectations of the property market and promoting the real estate market to stabilize and recover is still the lowered mortgage interest rate.Therefore, it is expected that the LPR quotation of more than 5 years will still be reduced.

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