1June 10, according to Harbin Daily, Harbin Housing and Construction Bureau, together with the Municipal Natural Planning Bureau and the Municipal Finance Bureau, formulated the Implementation Opinions on Promoting the Stable and Healthy Development of the Real Estate Market in our city (hereinafter referred to as the Opinions), which took the lead in introducing favorable policies in the recent cooling tide of the property market.
In terms of reducing the burden on housing enterprises, the Opinions put forward policies including lowering the pre-sale permit standard, speeding up the withdrawal of pre-sale funds, reducing the pre-levy rate of land value-added tax, supporting the promotion activities of housing enterprises, and reducing the land acquisition cost of housing enterprises. In terms of increasing the demand for housing, the opinions put forward to give housing subsidies to talents and new citizens, relax the age of second-hand housing provident fund loans and reduce the living cost of apartments.
It is reported that the Opinions will be implemented from 202/KOOC-0//KOOC-0/0/0/KOOC-0/day, and will be valid until February/KOOC-0/day, 2022. In the process of policy implementation, adjustments will be made in a timely manner according to relevant national policies and changes in the market situation.
Experts interviewed by Securities Times believe that Harbin's new property market policy has a strong signal significance, which not only reduces the burden on housing enterprises in an all-round way, but also reduces the cost of property buyers entering the market. It is the first comprehensive favorable policy in China at present, and it is expected that the number of follow-up cities will increase.
Accelerate project construction and reduce the financial pressure of enterprises.
After entering the second half of the year, the transaction volume of new houses and second-hand houses in various places declined as a whole, which slowed down the withdrawal of funds from housing enterprises, put pressure on their liquidity and affected the construction progress of housing enterprises' development projects.
In order to help housing enterprises reduce their burdens, this opinion mainly puts forward six favorable policies:
Specifically:
1. Accelerate the project construction according to the development period agreed in the land use right transfer contract. For the real estate development projects with the annual credit rating of green and blue that obtained the land use right before June 1 in 2022 and February 1 in 2022, enterprises can apply for the pre-sale permit of commercial housing by building if the high-rise building reaches the image of a first-floor project and the multi-storey building reaches the image of a second-floor project.
2.65438+Before February 3, 20221,the real estate development projects that have implemented the supervision of pre-sale funds of commercial housing should be returned as soon as possible if they meet the return conditions. At the same time, according to the actual progress of enterprise credit and project construction, if there is still a balance after deducting 5% of the retained supervision funds, on the basis of returning the supervision funds at each stage, 20% of the original amount will be increased at each stage to reduce the pressure on enterprise liquidity.
3. Since June 20265438+1 year/October 1 day, the withholding rate of value-added tax for ordinary standard rooms, non-ordinary standard rooms and other types of real estate land in this city has been 1.5%, 2% and 2.5% respectively.
4, the district and county (city) government should earnestly fulfill the responsibility of the real estate market, and actively guide and support real estate development enterprises to carry out promotional activities. Natural resources planning, finance, taxation, finance, housing construction, provident fund, real estate and other relevant departments should cooperate vigorously, timely judge the trend of the real estate market, and do a good job in market monitoring and analysis.
6. As of 1 October1,202 1, 20% of the initial price of land transfer shall be paid as the bid bond for the new land transfer project (subject to the release time of land transfer announcement). After the signing of the land transfer contract, 50% of the land transaction price shall be paid within one month, and the remaining land transaction price shall be paid within six months, and the corresponding interest shall be paid according to the regulations.
Reduce the cost of buyers entering the market
Recently, the core reason for the continuous decline in the volume of new and second-hand houses in many places is that due to the extension of the lending cycle of bank mortgage loans and the restrictions on purchases and sales in various places, the cost of buying houses by residents has increased and the willingness to buy houses has declined.
In order to improve the demand for housing, the Opinions mainly put forward eight favorable policies:
Specifically:
1. The housing subsidy policy shall be implemented for talents with college education or above who purchase houses in Kazakhstan. For all kinds of talents under the age of 35 who have signed employment contracts or service agreements with local employers, paid social security for six months and started their own businesses, they can enjoy housing subsidies when purchasing the first commercial housing in Kazakhstan. Housing subsidies are paid in a lump sum in the form of money, and the payment standards are 654.38+10,000 yuan for full-time doctoral students, 50,000 yuan for full-time master students, 30,000 yuan for full-time undergraduate students and 20,000 yuan for junior college students (including technical colleges).
2. For non-local new citizens who come to Kazakhstan for various reasons such as work or school, they can enjoy housing subsidies when they buy the first commercial house in Kazakhstan. The housing subsidy is paid in a lump sum in the form of money, and the payment standard is 654.38+100000 yuan.
3, the actual use of water and electricity charges for apartments continue to implement the civil price standard.
4. Relax the loan age of second-hand housing provident fund from 20 years to 30 years, and the sum of the loan age and the loan age shall not exceed 50 years.
5. Allow employees who have paid provident fund in different places to apply for provident fund loans in Harbin, so that employees in different places can enjoy the same housing provident fund loan policy in Harbin.
6, county (department) level female cadres and senior professional and technical personnel housing provident fund personal loan age from 55 years old to 60 years old.
7. Relax the policy of paying provident fund for flexible employees, and you can apply for paying housing provident fund by opening a social security account.
8, relax the housing provident fund portfolio loan business, employees still can not meet the needs of the use of provident fund loans, you can apply for portfolio loans.
The risk of "supercooling" appears, and more is to follow up.
According to the data of the National Bureau of Statistics, the price of new commercial housing in Harbin decreased by 0.3% in August, and the price of second-hand housing decreased by 0.2% in August. From the perspective of supply and demand, the data provided by the think tank center of Yiju Research Institute shows that the supply and demand of new commercial housing in Harbin continue to exceed the demand this year, and the pressure of destocking is greater.
The rapid cooling of the property market is not conducive to the healthy and long-term development of the market. In this regard, the opinion also pointed out that the introduction of this opinion is to conscientiously implement the overall goal of saving land prices, stabilizing housing prices and stabilizing expectations, and promote the healthy and stable development of the real estate market in Harbin.
(The picture shows the supply and demand data of new commercial housing in June10-September 202 1 Harbin. Source: Yiju Research Institute Think Tank Center)
On the occasion of "Golden September and Silver 10", affected by many factors, the property market continued to cool down. Although it has effectively curbed the momentum of real estate speculation and promoted some real estate enterprises to change the past "high turnover and high leverage" business model, it has also "accidentally injured" some real needs to some extent. At the same time, due to the rapid cooling of the market, some areas began to show the trend of excessive cooling.
"This time, Harbin's policy is worthy of recognition and is a precise measure based on market contradictions." Yan Yuejin, research director of the think tank center of Yiju Research Institute, told the Securities Times reporter that the contradiction in the property market in many cities across the country has changed from overheating to supercooling. Moreover, new risks have emerged in the supercooling, that is, the financial risks of real estate enterprises. Actively introduce policies for protection, in line with expectations. On the one hand, it helps to promote the activity of market transactions, on the other hand, it also helps to promote the stability of the operation of housing enterprises.
In Yan Yuejin's view, other cities in the country are expected to follow suit, especially cities with high destocking pressure and housing enterprises' operating pressure, including non-core second-tier cities and some third-and fourth-tier cities in the central and western regions. Harbin's "16" also means that policy risks have changed in the near future. Of course, we need to pay attention to the fine-tuning of policies, pay attention to the caliber and market reaction, and still insist on housing and not speculating.