"Can an ex-wife be a loan guarantor?" "Can I buy a coastal city for two suites with social security for 200 months?" "Can the money transferred by my brother and sister pay the down payment?" "Is it too late to run water now?" A series of questions came at him, but the answers were all negative.
On the same day, Shenzhen official housing selection system "I Shenzhen APP" launched six new sites, including Feng Wan Coastal City, Shenzhen Tieyifu and Xiangshan Road Mansion. Property buyers can only choose one site to register in good faith, and classify according to the time of paying social security and the property under their name. Social security is king, no housing is preferred.
"Just like volunteering for the college entrance examination. You should not only know your own situation, but also know your opponent's situation. There are many new regulations in Shenzhen recently, so customers should make clear the rules. If they are defined as crowdfunding, holding or fraud, the deposit will be confiscated. " Li said that after the introduction of the new regulations, the difficulty of "innovation" in Shenzhen has doubled.
Recently, Shenzhen has successively played a combination boxing of property market regulation: strictly check the source of funds for buying houses, and hold suspects not to buy houses; Combating counterfeiting and implementing a three-year "no purchase" for counterfeiters; Leaking the "fake marriage" of real estate speculators, unqualified spouses may not buy a house together.
In fact, many cities across the country are carrying out a new round of regulation, aiming at the chaos in the property market.
Nine cities including Beijing, Shanghai, Shenzhen, Guangzhou and Hangzhou have successively introduced policies to regulate the property market. On the basis of the "five limits" (that is, purchase restriction, loan restriction, price restriction and sales restriction), they raised the threshold for buying houses and extended the period of sales restriction.
At the same time, some cities curb illegal funds from flowing into the property market and reduce speculation by raising mortgage interest rates and strictly checking the sources of housing funds.
On February 1 day, a number of housing enterprises told Time Weekly that reducing the cost of investment expansion, speeding up the project turnover cycle and more active promotion activities will become the main measures for housing enterprises to cope with the situation.
Real estate financial supervision is strict, and the capital end of housing enterprises is completely limited.
Precision strike
Cracking down on real estate speculation in hot cities has become the main feature of the new round of regulation.
By the end of 2020, hot cities such as Beijing, Guangzhou, Shenzhen, and Hangzhou have all experienced "jumping the tail". According to the statistics of Zhongyuan Real Estate, in June 5438+February, 2020, 668 1 set and 20944/set of new houses and second-hand houses in Beijing were sold respectively, both hitting a record of "3? 17 monthly high since the New Deal. In the same period, the transaction of new houses in Guangzhou was 16434 sets, a record in a single month.
According to the data of Yiju Research Institute, from June 5438 to February 2020, about 39,000 sets of second-hand houses were sold in Shanghai, and the transaction volume reached a new high for many years.
65438+1October 2 1, the Shanghai property market regulation "Shanghai Ten Articles" was issued, and it was clearly proposed to crack down on "fake divorce" real estate speculation. Within three years of divorce, the number of houses owned by both husband and wife is calculated according to the total number of families before divorce; Value-added tax will be levied in full on those who purchase houses for less than 5 years and sell them to the outside world.
On February 1 day, Lu Wenxi, chief analyst of Shanghai Zhongyuan Real Estate, told Time Weekly that Shanghai's recent regulation and control is mainly aimed at speculation, and these policies will bring cooling effect to the market, but the price will only turn down after the transaction volume continues to narrow, and there will be no sharp drop in the short term. After a period of skyrocketing, timely adjustment of policies is conducive to the stable development of the market.
654381On the evening of October 29th, the topic of "Shanghai only issues loans to individuals whose houses have been capped" rushed to the hot search, with a reading volume of over 100 million. On the same day, the Shanghai Banking Insurance Regulatory Bureau issued a document, demanding that borrowers be supported to purchase the first set of small and medium-sized self-occupied housing loans, and housing loans can only be issued to individuals who purchase houses with the main structure capped.
If there is no cap and no loan, developers will be under pressure. On February 1 day, Lu Wenxi told Time Weekly that in order to promote the development of green buildings, the Housing and Construction Bureau gave certain preferential conditions to developers, that is, the project could not be sold until it obtained the pre-sale certificate. After the "Shanghai Eight Articles", new houses can only be loaned if the main structure is capped, which undoubtedly increases the financial pressure on developers. In this case, the developer will speed up the pace of construction, improve the turnover speed to promote the project to enter the market as soon as possible and reduce the financial pressure.
Hangzhou, a new first-tier city, joined the army of regulation.
65438+1On October 27th, Hangzhou played a combination boxing to strengthen regulation and control from the aspects of restricted sales, tax adjustment, and identification standards for families without houses. Specifically, for new houses whose winning rate is lower than 10%, a five-year sales period will be implemented. At the same time, the period of exemption from value-added tax for individual housing transfer will be adjusted from 2 years to 5 years.
Beijing and Guangzhou regulate by strictly checking the flow of personal credit funds and raising mortgage interest rates respectively. 65438+1On October 30th, Beijing Banking Insurance Regulatory Bureau said that all banks were required to conduct a comprehensive self-examination on the compliance of newly issued personal consumption loans and personal business loans from the second half of 2020. 65438+1From October 27th, the mortgage interest rates of the four major banks rose across the board, and the interest rates of the first home loans of the four major banks of workers, peasants and China Construction were adjusted to LPR+55bp and the second home loans to LPR+75bp.
"Recently, the real estate market in some cities is heating up too fast and speculative demand is rising, which is not conducive to the healthy development of the real estate market. Therefore, it must be contained quickly and strictly in light of local conditions. " On June 365438+1October 3 1 58, Jaco, president of the branch of Anjuke Real Estate Research Institute, told the reporter of Time Weekly that "the place hit by overheating" would be the key direction of policy regulation in 20021year. Judging from the regulation in Shenzhen, Shanghai and Hangzhou, the signals of plugging loopholes, controlling finance and playing speculation are very obvious.
Specifically, the recent regulatory policies mainly focus on strengthening the policy of restricting purchases and sales, and strengthening the pressure on speculative real estate speculation.
Housing enterprises exchange prices for quantity or become mainstream.
For property buyers, the "five-limit" upgrade has raised the threshold for buying houses, raised interest rates and increased costs, and tightened mortgages have lengthened the cycle. The enthusiasm of buyers to enter the market has decreased, and housing enterprises have continuously adjusted their strategies to deal with new policies.
65438+1October 3 1 day, Pan Jun, chairman of Fantasia, told the media that with the tightening of real estate funds, enterprises will have a choice when making urban layout, instead of blindly entering every city, they will choose matching cities according to their own advantages.
Pan Jun said that in 20021year, real estate enterprises will adjust their product structure in time and choose the scale and layout of land acquisition according to their own conditions.
Promoting sales and recovering funds have become the focus of housing enterprises.
"The competition between projects will intensify, and the exchange of price by quantity will become the mainstream." 65438+1October 3 1, the marketing director of a listed real estate enterprise told the Times Weekly reporter that the main sources of funds for real estate enterprises are financing and selling houses, and the tightening of personal housing loans will directly affect the cash flow, and the slow payment and long payment period will become the most difficult problems. For large-sized houses, the tightening of mortgage has a greater impact, but it has little impact on houses below 1000 sets.
"The recent tightening of personal mortgages has little impact, mainly because of signal significance. (Policy) This year will be a state of austerity, and enterprises are under great pressure. " This person predicts that more real estate enterprises will launch promotional activities in the Spring Festival this year, the harvest period will be advanced, and the marketing efforts will be greater than before.
Compared with the average annual sales price in 2020, the average monthly sales price of some housing enterprises/KLOC-0 decreased slightly.
According to the data of China Index Academy, the average sales prices of Poly Development, Gemdale and China Jinmao in 2020 are about 6.5438+0.48 million yuan/square meter, 20,300 yuan/square meter and 20,500 yuan/square meter respectively; 202 1 and 1, the average selling prices of these three enterprises are about 1.4 1 ten thousand yuan/square meter, 1.97 million yuan/square meter and 1.43 million yuan/square meter respectively.
According to the previous marketing nodes of real estate enterprises, returning home is the marketing focus of real estate enterprises in the first quarter. However, due to the epidemic this year, many cities advocate "celebrating the New Year on the spot", and the enthusiasm for returning home has declined.
Recently, the "2020-202 1 House Purchase Survey Report" released by 58 cities and Anjuke shows that 37.8% of the respondents want to go back to their hometown, far lower than the proportion of 68.6% in 2020; 47.6% of the respondents want to stay in their work city and buy a house, which is more than 3 1. 1% in 2020.
In order to seize the sales window, housing enterprises have launched promotional activities.
The reporter of Time Weekly learned that Greenland Holdings, China Shipping Real Estate and Evergrande Group launched Spring Festival preferential activities, including special rooms, Spring Festival purchase ceremony, and purchase discounts.
In addition, some housing enterprises have joined hands with Internet e-commerce platforms to launch house purchase activities, such as Sunac China and JD.COM Real Estate to launch house purchase vouchers, Country Garden and Tmall Fang Hao to launch koi fish gift packages. Dongyuan Real Estate, Caesar Group, Jinke Co., Ltd. and other real estate enterprises adopted live broadcast with goods, and launched activities such as the president's platform and stars with goods.
On June 365438+1October 3 1, Bobby Chen, president of China Real Estate Data Research Institute, told Time Weekly that the main reason for the tightening of mortgage was to remind developers of relevant risks from the financial aspect, and buyers should use leverage cautiously to strengthen the binding role of "three red lines". At the same time, the tightening of mortgage will indirectly affect the sales of developers. Next, developers will strengthen the screening of customers' repayment ability, and will also increase support for customers to pay back the money in full.