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The recently released “Huigang 16” is sleek and versatile, covering all areas such as people’s livelihood, finance, medical care, and scientific and technological cooperation. However, the people’s eyes are staring at this first purchase policy. Buying a house, or using the Hong Kong people to say “buy a car upstairs” seems to always be the importance of NO.1.

In the past few days, the media and the Internet have also exploded. Regarding the impact of this article on housing prices in the Pearl River Delta, there are many different opinions. It is said that major profits will surely skyrocket, and there is also disdain.

Okay, today we also talk about this policy. What impact does it have on the Pearl River Delta housing market? What is the significance of Hong Kong and Macao compatriots?

Let’s first look at what this measure is. Expressed as follows:

Hong Kong residents who purchase homes in the Guangdong, Hong Kong, Macau and Dawan districts are exempted from the proof of residency, study or working years, and pay personal income tax and social security conditions to enable Hong Kong residents to enjoy the same treatment as local residents.

Bite the word, you can get the following information:

1. There is no need to live (learning, work), pay taxes, and pay social security. It proves that it is necessary. If you meet these requirements, you can buy a house. In other words, the demand for home purchases in Hong Kong and Macao has already begun to be released, but there have been restrictions before. In the past, Hong Kong and Macao compatriots could only purchase a self-occupied home after they had lived for one year.

If this is the first time that Hong Kong and Macao compatriots can come in and buy, and the Hong Kong and Macao compatriots have been immersed in the “speculation of speculation” for decades, the policy has smashed the sales office on the same day.

The reason why the above phenomenon did not occur is that Hong Kong and Macao compatriots with financial strength have already used various channels to buy a lot of houses in the Mainland. Even in the ancestral homes where Hong Kong and Macao residents are concentrated, many communities have no lights at night because Hong Kong and Macao compatriots only come back after vacation.

The data shows that HK people like to buy one of their ancestral homes in Zhongshan, followed by Huizhou, which has a large beach and is near another tidal area in their ancestral homeland.

adjacentShenzhen and Dongguan also love to buy, and Zhuhai is the first to implement the “Hong Kong-Hong Kong Port Tax, Australian-Australian Tax” preferential policy due to the opening of the Hong Kong-Zhuhai-Macao Bridge and Zhuhai in Hengqin (ie Hong Kong and Macao people still pay the Hong Kong and Macao tax rate in Hengqin). Personal income tax) is also favored by compatriots. The data shows that 50% of Hengqin’s houses have been bought by Hong Kong and Macao compatriots in 18 years, which shows that the purchase enthusiasm is high.

2. Hong Kong and Macao residents are treated the same as local residents. This aspect shows that Hong Kong and Macao compatriots do not have to pay social security like locals working in Guangzhou and Shenzhen, and can treat them like local people. On the other hand, they can limit the existing purchase restrictions and restrictions of each city. The loan and restriction policies are equally valid for Hong Kong and Macao residents, and the main theme of real estate that does not live in the house is unchanged.

A family, it’s okay to take a table and eat, but to eat, you have to be disciplined at the dinner table. “Do not live in the house” is the first rule.

3. The original intention of this policy is not to let our Hong Kong and Macao compatriots come in to invest in real estate, but to let those who are unable to afford housing on the other side of the river because they have high housing prices can get on the train. The price of Hong Kong and Macao has a huge price difference with the nine cities of the Pearl River Delta, which is much higher than that of the nine cities. This is already a huge attraction for Hong Kong and Macao.

(Source: Anjuke, Macau Finance Bureau, etc.)

Where is the high price of HK? In fact, it is also okay, which is 3 times that of Shenzhen, 5 times that of Guangzhou, 10 times that of Zhongshan, and 20 times that of Zhaoqing.

In addition, I want to let the newly-invested people come to the Pearl River Delta for a long-term residence. If they can’t buy a house, education, medical care, and employment must keep up. At this point, the other policies of the “Huigang 16 Articles”, although not as high-profile, have also made major breakthroughs.

Notes, although the retirees of Hong Kong and Macao used to have a lot of rural plots that fall back to the roots, but because they can’t enjoy medical insurance and various benefits in the Mainland, they still have to return to their homes in the crowded houses across the river. A family with children will also envy the relatively relaxed living environment in the Mainland, because it is also difficult for children to go to school in the Mainland. In the end, they have to give up.

So, even if they bought a house before, they had to use it for investment, vacation and leisure purposes, and there were not many people who actually lived.

But this time is different. It is clearly stated in Article 16 that children of Hong Kong and Macao residents working in Guangdong are guaranteed the same education as children of mainland residents, and that designated Hong Kong-funded medical institutions in the cities of Dawan District are allowed to use drugs and commonly used medical instruments registered in HK. These two means that the children of Hong Kong and Macao compatriots go to school in the Mainland.It is convenient to use HK medical insurance because it has a Hong Kong-funded medical institution.

In addition, the measures to facilitate Hong Kong and Macao compatriots include electronic payment, bank account opening in the Mainland, and mutual recognition of professional qualifications in the legal and construction industries. These are all attractive to Hong Kong and Macao compatriots entering the nine cities of the Pearl River Delta.

All in all, under its huge price difference, this policy has removed many barriers and restrictions between regions. At least in the long run, there will be many Hong Kong and Macao compatriots willing to settle in the nine cities of the Pearl River Delta. .

So how much of the “Huigang 16” and “Huiao 15” can boost the housing prices in the nine cities of the Pearl River Delta?

First of all, it is impossible to rise, soar, and rise immediately.

Under the heavy hammer that does not live in the house, any illusion of excessive speculation and rapid rise is impossible. Neither the country as a whole nor the housing market in the nine cities of the Pearl River Delta can make fundamental changes.

The demand for second-hand housing purchases in Hong Kong and Macao has been released. This time, it is not a release of flood-opening demand, so naturally there will be no skyrocketing housing prices.

I personally believe that the follow-up result of this policy should be that the overall impact of the housing prices in the nine cities of the Pearl River Delta is small, and a small increase in some areas; in the long run, there will be some positive.

First, there are more than 7.5 million compatriots in Hong Kong and hundreds of thousands in compatriots in Macao, which add up to about 8 million. Exemption from the purchase restriction, equal to the invisible in the Pearl River Delta nine cities to give 8 million tickets. Such a huge population is an important guarantee for the future growth expectations of the Pearl River Delta.

Second, Hong Kong and Macao compatriots are willing to live in the Pearl River Delta? I think there are three reasons for this:

1. Many compatriots have bought houses in the Mainland. This shows that some of the demand has been released, but it also shows that Hong Kong and Macao compatriots are psychologically admitted to the mainland. If conditions permit, they are willing to return to the mainland to live. This psychological factor is very important. However, this kind of heartfelt recognition still takes a long time.

2. Great price difference. As mentioned above, the price difference between HK and the Pearl River Delta is up to nearly 20 times. According to the data, the monthly income of the people of HK is around HK$15,000. The estimated Hong Kong people’s budget for buying houses in the Pearl River Delta is less than HK$4 million – this money is enough to cross the border in Zhuhai, Zhongshan, Huizhou, Jiangmen and Zhaoqing.

3. This preferential policy further relaxes the residence certificate, education, medical care, employment and other items.

4. According to a survey conducted by Zhongyuan Real Estate in HK, 14% of HK people have plans to buy a house in the Pearl River Delta.

14% of the 8 million has already passed a million, which has formed a lot of purchasing power. This is still a survey before the introduction of this policy. It is expected that Hong Kong and Macao compatriots who want to buy houses in the Pearl River Delta will be more and more, and the proportion will be larger and larger.

Specific to the city, the impact will be geometric?

For Shenzhen, because the price itself is not low, especially the area near HK is close to 80,000 or even 100,000, and individuals do not think it will become the most popular choice. It should be noted that due to different loan policies, only 10% of the down payment is required to buy a house in HK, 30% in Shenzhen, and the interest rate is nearly double that of HK. This account is not much easier than buying at HK.

However, when you are out of Shenzhen, you can buy and buy again! Whether it is Zhongshan, the ancestral homeland, Zhuhai, which has a beautiful scenery and the Hong Kong-Zhuhai-Macao Bridge, and Huizhou, which has a big beach, it is called a chopped melon!

Among the cities that are more likely to be concerned by Hong Kong and Macao compatriots, Doumen, Wanchai, Hengqin New District in Zhuhai, East District in Zhongshan, Huiyang and Daya Bay in Huizhou are more livable and suitable for old-age care. Plate.

At the same time, due to the opening of the Guangzhou-Shenzhen-Hong Kong high-speed rail, the surrounding areas of several high-speed rail stations will be relatively popular, including Guangzhou South Railway Station, Qingsheng Plate in Guangzhou Nansha, and Humen in Dongguan. Convenient transportation will be the main factor. From then, Guangzhou South Railway Station will be able to reach HK in 50 minutes and arrive in Macau in 1 hour.

In short, whether it is “Huigang 16” or “Huiao 15”, it is a further measure to promote the integration of the three areas of Dawan District. As various barriers formed due to historical reasons gradually break, the future of Dawan District Internal communication will be more frequent and close, and similar policies may be more and more.

The so-called Dawan District is really not a slogan.