The house of 5%down payment is here!Intersection

This year's "618" has reached the time of the end of the pair. In addition to the platform businessmen, this shopping festival also wants to make up a lively and housing company.

Recently, some real estate has made promotion posters with "5%down payment and confession in the first year of the first year", which has attracted a lot of attention. Is the activity true? Can buyers really get benefits?

A scene of Changsha. Interviewee confidence

"5%down payment" real estate,

Sales are only for commercial real estate

Recently, the WeChat public account "Hunan Poly Society" of Hunan Company, a listed company, said that it launched preferential policies such as "start payment from 5%" and "In the first year of the first year" at the 618 House Purchase Festival. 10 projects in Yiyang and other places will be carried out simultaneously.

You must know that Changsha still implements a policy of minimum down payment ratio of the first house. In addition, if the house purchased is a limited purchase area in Changsha, the minimum down payment ratio is 60%of the total house price. The strict purchase restriction policy is also considered to be a key reason for the Changsha property market to maintain a stable.

But this seemingly explosive policy is not so beautiful. The staff of the Yipao Building Office in Changsha, Hunan said to the reporter of CITIC Finance that the event is true, but the real estate where it is implemented is still aimed at commercial properties, that is, apartments, office buildings and other projects. Ordinary houses do not participate in this event.

"At present, there is no restrictions on restrictions such as hukou and purchase restrictions in Changsha, but the down payment requires 50%. If you participate in the event, 5%of the down payment is equivalent to a deposit. 50%of the down payment can be paid in installments. Personnel said that the event will probably end this weekend. At present, many people have settled their houses, and they are basically young people.

"Maybe the company can also take this event in some other cities and other real estate houses, but at present Changsha's first house still requires 30 % down payment. Our real estate companies cannot violate the rules. Mortgage, so it is equivalent to just relieve the down payment pressure for several months. "The staff member added.

"This approach can indeed accelerate de -inventory for real estate companies and increase sales performance to achieve capital recovery as soon as possible. However, it is likely to increase the risk of buyers." Wang Yuli, director of Beijing Gold Prose Firm, also reminded that the "5%down payment" in the short term The payment is relatively small, but the total amount will not decrease from the long run.

"If you buy a house because of the" 5%down payment ", the ability of home buyers may often have problems. In the future, if you can't pay in time in the future, commercial housing disputes will often occur." Wang Yuli said.

Picture source: "Hunan Poly Association" WeChat public account

Promotion activities are actually "old routines"

There are Changsha real estate agencies told CITIC Finance that as early as March 2020, it was also affected by the epidemic, and it was urgent to boost consumption. Hunan Poly also launched similar activities, including 5%-10%of low down payment and long-term projects. 3 months of down payment installment, etc.

Two years later, "the old things are re -mentioned", in addition to facing the same sales pressure, this move is not related to Poly's current ambitions.

From the perspective of comprehensive strength in various aspects, Poly Development can be said to be an out -of -the -art headal real estate company. With the "2022 Real Estate Listed Companies Evaluation Research Report" just released on May 26, Vanke, Poly Development, and China's overseas development are ranked among the top three.

After the reshuffle of 2021, many headlord companies encountered "Waterloo", and Poly, who had the attributes of the central enterprise and repeatedly questioned, was full of restaurants in the downward cycle.

At the annual meeting at the beginning of this year, Poly's development, which has not re -entered the "return to the top three" for many years, has been further. For the first time, the new goal of "entering three contests and one" is proposed for the first time.

On June 12, Poly Development announced the sales in May 2022 that the company's signing amount in May achieved a signing amount of 38.03 billion yuan, a year -on -year decrease of 36.04%, an increase of 24.53%month -on -month. From January to May, the company realized a signing amount of 159.218 billion yuan, a decrease of 32.22%year-on-year. According to the list of equity sales in May 2022 announced by Kerry, Poly's development ranked third after the development of Country Garden and Vanke. As far as the monthly performance in May alone, Poly's development has achieved the highest sales sales, reaching 38.03 billion yuan.

The staff of the Changsha Baoli Building Office also mentioned that the real estate is currently not worried about selling. "Now our house is only on the second floor and the second floor, and it is not participated in the event."

Data Map: A commercial residential building in the city. Photo by Sun Rui

The property market really needs more relaxation policies

"Although it is an individual behavior of individual housing companies, it also shows that the operations such as low down payment are default, and it has also become an important manifestation of active marketing and encouraging buying houses in various places." It seems that Yan Yuejin, the research director of the Think Tank Center of the E -House Research Institute Reducing the down payment ratio is an important means to activate the demand for house purchase in various places, and the monthly supply and repayment are gradually decompressed.

"House sales are slightly under pressure, and the policies still need to further promote the easing of the home purchase environment." Yan Yuejin believes that some new innovation content has appeared in various places, which has more stimuli. Resolve the transaction risk of the real estate market.

It still takes Changsha, Hunan as an example. Since May, the market activity of Changsha New Housing has improved, but it is still low year -on -year. According to the statistics of Yihan think tank, Changsha's new house in May added 520,000 square meters, a decrease of 28%from the previous month; 640,000 square meters were sold, an increase of 29%over the previous month. The transaction volume in May 2021 was about 1-2 million square meters.

Changsha has recently continued to relax the regulation of the property market. On April 20, Changsha relaxed the restrictions on the settlement of talents, and has a college degree or above. Employees in Changsha can apply for settlement immediately and enjoy the qualifications for buying a house in Changsha. Promote high -level talents to settle freely in the three cities of Changzhutan.

On May 15th, Changsha issued a wonderful trick and proposed that the house signed and submitted a house or a house that had been registered with real estate, and after the active for rental housing, it would not be included in the calculation of the number of household housing sets.

"Policies in various localities have played a certain role, and the number of householders has risen significantly after May, but the de -subscription rate is still in a historic trough." CITIC Securities Research Report pointed out that the downlink of the downstream of the this round of the period is the impact Both and willingness to be affected, coupled with the concerns about delivery, the policy has to continue to accumulate to promote sales out of the trough.

————————————————————————

Source: Zhongxin Finance

- END -