The house purchase subsidy is paid in monetary form at one time.
This move is regarded by the market as an all-round market rescue at the government level.
The adjustment of second-hand housing provident fund loans can help many people replace their houses and reduce the pressure of buyers.
Rescue the market with tricks The effect remains to be seen.
However, Lin Bo pointed out that the rescue will play a certain role in stabilizing the market, but it is not attractive to developers.
Different from the official release of the “rescue policy” in Harbin, many cities across the country have issued the “price limit order” to stabilize the market.
Zhang Bo pointed out that since the first half of last year, there have been some relaxation policies for developers, but they have been tightened since the second half of last year, especially in terms of capital supervision.
According to the opinions, qualified talents can get a purchase subsidy of up to 100000 yuan for purchasing the first house.
Qualified talents can receive a house purchase subsidy of up to 100000 yuan for the purchase of the first house; Second hand housing provident fund loans, housing age increased to 30 years, etc.
The stability of the property market can neither allow house prices to rise irrationally nor fall too fast.
After all, the means of local governments to rescue the market are limited.
On October 10, according to Harbin Daily, many departments in Harbin jointly issued the implementation opinions on promoting the stable and healthy development of the real estate market, involving 16 articles such as talent house purchase, land tax increase and provident fund loan.
For the development enterprises with the annual credit rating of green and blue, for the real estate development projects that obtain the land use right before June 1, 2022, if the high-rise reaches the main construction image of the first floor project and the multi-storey reaches the main construction image of the second floor project before December 31, 2022, the enterprises can apply for the pre-sale license of commercial houses according to each building.
The liberalization of this policy will promote the improvement of developers’ cash flow and make developers more calm in the land acquisition stage and development process.
Zhang Bo said that according to the data released by the Bureau of statistics, the number of cities with month on month decline in house prices in recent months is increasing.
Generally, they give some subsidies for house purchase.
1、 Accelerate the project construction according to the construction and development period agreed in the land use right transfer contract.
Zhang Bo said that this boost to the demand side is also divided into grades, there are corresponding attraction policies for talents, and it plays a great role in improving market confidence.
Moreover, there are new risks in the supercooling, that is, the financial risk of real estate enterprises.
He further pointed out that the current contradiction in the property market in many cities across the country has changed from overheating to supercooling.
The opinions clearly states that for the development enterprises with annual credit rating of green card and blue card, for the real estate development projects that obtain the land use right before June 1, 2022, if the high-rise reaches the main construction image of the first floor project and the multi-storey reaches the main construction image of the second floor project before December 31, 2022, the enterprises can apply for the pre-sale license of commercial houses by building.
Secondly, relaxing the housing age limit of provident fund loans is good for the replacement and improvement of the population.
At the same time, employees who deposit provident fund in other places are allowed to apply for provident fund loans for house purchase in Kazakhstan, so as to realize that employees in other places enjoy the same housing provident fund loan policy in Kazakhstan.
As a big city with a permanent population of tens of millions, Harbin’s 16 new property market policies have attracted attention.
However, we should pay attention to the caliber and market response in policy fine-tuning, and still adhere to the framework of housing without speculation.” the comprehensive rescue of the market boosted market confidence the day before, Harbin housing provident fund management center announced that from October 8, Harbin will apply for provident fund loans, and the number of consecutive normal provident fund deposit periods will be restored from more than 6 months (inclusive) to more than 12 months (inclusive).
The subsidies # for # college and technical secondary school students and above to buy their first house in Kazakhstan mentioned in the opinions have also been hot searched, causing extensive discussion among netizens.
The payment standard is 100000 yuan for full-time doctoral students, 50000 yuan for full-time Master students, 30000 yuan for full-time undergraduates and 20000 yuan for college and technical secondary school students (including technical colleges).
Attachment: the full text of the implementation opinions on promoting the stable and healthy development of the city’s real estate market recently issued by Harbin is as follows: these opinions are formulated to earnestly implement the overall objectives of stabilizing land price, house price and expectation of the state and province, and promote the healthy and stable development of the city’s real estate market.
At the same time, the pressure on real estate enterprises to reduce liabilities is also increasing, resulting in real estate enterprises to speed up the pace of shipment in some cities or regions, and the phenomenon of price reduction and promotion has increased.
According to the opinions, on the premise of ensuring the value of house collateral, we will relax the second-hand housing provident fund loan, increase the housing age from 20 years to 30 years, and the sum of loan age and housing age shall not exceed 50 years.
Zhang Bo, President of anjuke Real Estate Research Institute branch, said that first of all, this is a truly comprehensive rescue action taken by the government to boost market confidence.
Previously, Yueyang, Guilin, Heze, Jiangyin, Zhuzhou, Tangshan and other cities have issued “price limit orders” for developers’ price reduction.
Harbin housing provident fund center said that this move will further enhance the support of the provident fund for rigid housing, improved housing demand and the transformation of old communities, and give full play to the role of policy funds.
Before December 31, 2022, if the real estate development projects that have implemented the supervision of commercial housing pre-sale funds meet the return conditions, they shall be returned as soon as possible.
The individual loan age of housing provident fund for female cadres at the county (Division) level and female professional technicians with senior professional titles was adjusted from 55 to 60.
Once the tide of price reduction is triggered, it will trigger a chain reaction and greatly affect the orderly development of the real estate market, At the same time, it will also affect the land market and have a great impact on the local economy.
Therefore, it is necessary to introduce corresponding policies for regulation.
2、 Before December 31, 2022, if the real estate development projects that have implemented the supervision of commercial housing pre-sale funds meet the return conditions, they shall be returned as soon as possible..
Specifically, there are many great advantages, including the implementation of the house purchase subsidy policy for talents with college or technical secondary school education in Kazakhstan.
In sharp contrast, in order to prevent the market from overheating, 11 cities such as Shanghai, Guangzhou, Shenzhen, Dongguan, Wuxi, Ningbo, Chengdu and Xi’an have issued second-hand housing guidance price policies this year, and Beijing Haidian District real estate brokerage association has also issued second-hand housing guidance prices for some hot areas.
Lin Bo, general manager of Kerui Research Center, said that the price limit can be regarded as a measure of local governments to support the market, because the market in many cities has entered, and there may be signs of collapse if there is no intervention.
The actual effect remains to be seen.
Especially for the brand real estate enterprises with national layout, under the current market situation, even if the conditions of land transfer fee are relaxed, it is unlikely to increase investment.
At the same time, they are limited to the level of talents, and make some relief on deed tax and value-added tax.
The house purchase subsidy policy is implemented.
According to the securities times, Yan Yuejin, research director of the think tank center of E-House Research Institute, said in an interview with reporters that the policies introduced in Harbin have a strong signal significance, and it is expected that the follow-up to the city will increase.
On the eve of the national day, Zhangjiakou City, Hebei Province issued a “price limit order”, stipulating that the projects with newly obtained pre-sale licenses shall not be sold at less than 85% of the record price.
At the same time, the calculation multiple of the loan amount of provident fund personal housing loan shall be adjusted to 20 times of the balance of the provident fund account of the borrower (including the main lender and co applicant).
Zhang Bo said that due to market differentiation, the market in some cities is facing too fast cooling, and even the rapid decline of house prices, which is not conducive to the overall stability of the real estate market.
“Harbin has actively introduced policies to protect the real estate market, including reducing the burden on real estate enterprises in a wide range and implementing destocking through multiple channels, which is in line with expectations and also means the recent change of policy direction.
