First of all, let's look at the question, priority support for the first set of fresh demand for self-occupation home purchase demand, Shanghai's this policy can not control speculation, that is what policy?
It is reported that, according to the news from the People's Bank of China Shanghai headquarters, recently formulated and issued the "2021 Shanghai Credit Policy Guidelines" in the content of the key emphasis, financial institutions to reasonably control the growth rate of real estate loans and accounted for the proportion of the strict implementation of the differentiated housing credit policy, give priority to supporting the first set of just need to purchase their own home needs, strengthen the management of personal housing loans, strict review of the personal information of borrowers The realism of the personal information of the borrowers is strictly examined.
Well, the policy is such a policy to control the growth rate and proportion of real estate loans. So let's explore the following aspects of this policy to see if it can control speculation:
One, who are the speculators?Here we put aside your rich aunt and uncle where where to buy a few sets of real estate personal "speculation", these people can only be regarded as a follower, and the real speculators are into a group, commonly known as the "speculation group", for the first-tier cities in the country, and the speculative group set up by the real estate industry. Real estate and the establishment of the speculation group, the main word "group", the group has the meaning of solidarity, there is the meaning of group purchase.
Solidarity: uniting everyone's money together.
Group purchase: the group purchase form to enhance the ability to negotiate with the developer, to reduce the price of real estate.
In China's most famous speculation group we should have heard of, Zhejiang Wenzhou, Zhejiang Wenzhou leather factory closed down! Factory closure does not matter, in Wenzhou reform and opening up rich early, which gave birth to a lot of bosses, the husband ran a factory, the wife took some money to go out to speculate on real estate, and came back to find that the husband's leather factory closed down, and the wife of the speculation in real estate to make more money than the husband, and over time Wenzhou people speculation on real estate has become the whole country speculation on real estate, has become a "speculation group"!
Understand what people are speculating in real estate, know that these people speculate in real estate need a loan
Sorry, we "speculation group" only lack of houses, not lack of money!
Two, how to speculate on speculation?Speculation of houses, speculation group rely on what? Relying on a strong flow of funds can negotiate agreements with real estate developers, and then get the so-called bottom price, this operation is in fact a win-win deal, first of all, the property developers are a project of the capital required for an extremely large number of industries, which requires a large number of loans to the bank, which also leads to the real estate developers must ensure that the sale of housing profits huge, but the interest rate of this piece of the loan is also quite heavy in the real estate! After the completion of the project development, if the sales are too slow to lead to the return of funds, the capital chain breaks, the formation of a financial crisis, then the open house is very likely to go bankrupt.
This time the speculation group will visit the door, said we can buy dozens of hundreds of sets of one-time, and the funds are all cash, but the price is low to give an internal price, 50% discount price, real estate developers an accounting, the price is still earned, sell who are sold, the first to the bank's loan and then say, the rest of the sale can be slowly.
For the speculation group, to get the house at a discounted price of 50 percent, after the opening of the first I covered, and so the house after the hot sale I threw out in turn, the profit is so simple.
Understand how speculation is speculation, know that these speculation does not need a loan, need a loan is the real estate developers.
Third, the policy can control what people?Or go back to your seven aunts and those listening to the Phoenix Legend square dance retired mothers, is likely to be in this category. See the speculation group to speculate on housing prices, immediately follow the trend to buy ah, basically their own set of retirement, children and grandchildren to buy a set of loans. Otherwise, there is no money to speculate on who has the time to go to square dance, these empire magic city of the amazons to account for a larger proportion, and now, the policy was introduced, the bank loan tightened, unless the name of the other properties did not have a loan, or want to continue to invest in real estate is basically no possibility.
Summary:Policy can not control speculation, only to curb a small part of the people who want to speculate on real estate or even just need!