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Explorations on the relaxation policy of the property market are continuing.

Recently, Leshan City, Sichuan Province and Qingdao City, Shandong Province have successively issued property market policies. Specifically, Leshan has relaxed the standard of “recognition of housing and loan”, which refers to the “commercial personal housing loan has been settled, not included in the scope of recognition”; Qingdao issued a 100-day “ “Limited time” relaxation, that is, non-household registration and newly settled college students who can be traded at the time of two years when the maternity certificate is available for two years and meets the requirements of talent recognition can enjoy the city’s household registration to buy a house.

It is worth mentioning that the recent loosening policies in various places have been frequently introduced, but they have been quickly withdrawn. In late March, Zhejiang Haining issued a policy that said that during the Shanghai Housing Fair, “the suspension of the implementation of a housing policy for non-Haining registered population in Haining was suspended,” but it was replaced by “focusing on housing and not speculating” only two hours after its launch. Earlier, Zhumadian, Guangzhou, and Jinan had already experienced a “one-day tour of loose policy”.

So, can Leshan and Qingdao’s “unbonding” policies be protected from the fate of withdrawal?

Commercial loan settlement is not included in the scope of the subscription loan

On April 7, the Leshan Housing Provident Fund Management Committee issued the “Notice on Clarifying and Adjusting the Policies of Housing Provident Fund Loans and Withdrawing in Our City.”

The policy clearly supports employees to purchase the first set of ordinary self-occupied housing and the second set of improved housing, and has made clear adjustments to the recognition criteria for “recognition of housing and loans”.

Specifically, the new policy stipulates that in terms of house recognition, buyers (applicants and co-applicants) Where there is a record of housing property origin in the place where the provident fund is deposited, it shall be included in the recognition scope. Compared with the policy of August 2018, the scope of recognition is reduced, excluding the situation of the place of household registration and the place of work.

In terms of loan recognition, the new policy stipulates that the purchaser ’s (applicants and co-applicants) are recorded in the People ’s Bank of China Personal Credit Report The housing loan record shall prevail. The housing provident fund loans that are settled and not settled are included in the scope of recognition; those with commercial individual housing loans that are not settled are included in the scope of recognition, and those with commercial individual housing loans that have been settled are not included in the scope of recognition.

This also changed the “regardless of whether the housing loan has been settled or not, it will be included in the scope of recognition” implemented in 2018.

The new “credit loan” standard also means that commercial housing loans will not be counted in the loan record after settlement. 58 Anju House Property Research Institute President Zhang Bo told reporters that this has been settled for a single application for a commercial housing loan, and subsequent replacement needs will be more favorable at the provident fund loan level.

Yan Yuejin, Research Director of the Think Tank Center of E-House Research Institute, believes that Leshan has adjusted the stricter “recognition and loan” policy in the past, which allows some buyers who have real estate or loan records to enjoy mortgages Preferences for the identification of sets.

“Follow-up is expected that the provident fund management centers across the country will continue to introduce policies to provide greater support for provident fund loans.” Yan Yuejin said, “It can be speculated that considering that the amount and scale of commercial bank loans are relatively sufficient, it is expected that the follow-up Some commercial banks will also have a similar loosening in the recognition of homes and loans, which will promote the activeness of loan business and purchase transactions. “

However, according to Yu Xiaoyu, research director of Yihan Think Tank, the policy impact of Leshan City will not be very large, “It ’s just that the provident fund does not accept loans”, and “ (Provident Fund LoanSection) the amount is very low “.

The “Notice” shows that if both the applicant and the spouse have deposited housing provident funds, the maximum loan amount is 500,000 yuan. If the applicant unilaterally deposits the housing provident fund, the maximum loan amount is 400,000 yuan.

Zhang Bo also believes that this policy can be regarded as a moderate adjustment of provident fund loans, which has relatively limited impact on the local real estate market and will not affect the large fluctuations in transaction volume and house prices.

In fact, on February 21st, the stable property market policy issued by Zhumadian City, Henan Province mentioned that the minimum down payment ratio for the first housing purchase by provident fund was reduced from 30% to 20%.

At that time, a person with a better understanding of the local situation in Zhumadian told reporters that the local provident fund in Zhumadian was paid less, and there were also cases where developers did not support provident fund loans and portfolio loans. This stimulus policy “will not be very effective.” However, even if it does not necessarily produce an actual stimulus, the Zhumadian policy was quickly removed.

The first shot of the second quarter housing purchase policy relaxation

Compared to the policies issued by Qingdao, the effect may be more obvious.

In late March, Qingdao City launched the “2020 Qingdao Hundred Days Store Consumption Season” event. This 100-day event aims to further restore and boost the vitality of the consumer market, and housing sales have been given “preferential policies” as an important segment.

On the evening of April 10, the property section ’s “2020 Qingdao One-Day Ten Thousand Shops Consumer Season Online Housing Exhibition” activity rules were released, and there were some restrictions on sales and purchase restrictions.

In terms of sales restrictions, Article 5 of the activity rules stipulates, “If the demand for improved housing is encouraged and more than one set of original housing is sold and one new set of housing is purchased, the original housing shall obtain the” Real Estate Property Certificate “for two years After signing the record of the sale and purchase contract online or entrusting an agency agencyAfter selling and handling the online signing of the agency contract, the sale and purchase contract of the newly purchased house can be signed online. “

This changed the previous requirement that “the real estate certificate must be obtained for 5 years before it can be listed and traded”, which means that the sales restriction period has been shortened from 5 years to 2 years.

Guo Shiying, an analyst at Zhuge Looking for Data Research Center, told reporters that the change in the sale period will allow Qingdao ’s partial replacement and improved demand to be released into the market. To a certain extent, it can be considered as an encouraging policy for the current real estate market to activate the city. Housing consumption.

It should be noted that the adjustment of the sales restriction policy is only applicable when the room is changed.

In terms of purchase restrictions, Qingdao also loosened the event. Among them, Rule 4 states that “due to inheritance, demolition and other reasons, the resident family only accounts for a part of the total share in a set of housing, it is not calculated according to its own set of housing”, while in the past it was “based on its own set of housing Calculation “.

Yan Yuejin believes that this actually adjusts or relaxes the number of units owned by the house, “the identification of the number of units held by some households’ houses will be more relaxed, and even if they actually occupy part of the property, they may be considered as no houses. In this way, they have broken through the existing purchase restriction policy and can even purchase houses according to the standards of the first suite. ”

At the same time, rules 6 and 7 show that, in addition to qualified personnel who do not need to settle down or pay taxes on social security to purchase the first home, college students who go to Qingdao to study at a university and relocate to an account can purchase a house. Students studying abroad can buy a house even if their household registration is temporarily removed. This actually increased the number of home purchases for some residents.

Yihan thinks that after relaxing the restrictions on purchases, the number of individuals meeting the purchase conditions will increase, which may release some of the new purchase demand.

“The introduction of such policies in Qingdao should be said to have a strong loosening effect. Regardless of the determination of the number of houses to be restricted or the reduction in the sales period, they all reflect the guidance of lowering the purchase threshold, encouraging the purchase and replacement of houses. It helps to stabilize housing transactions, stimulate housing consumption, and activate demand for improved home purchases. On the whole, Qingdao started the first shot of the relaxation of the home purchase policy in the second quarter of this year. “Yan Yuejin said.

Guo Shiying believes that the main purpose of this event is to reduce the impact of the epidemic. Local cities do everything possible to promote consumption replenishment and potential release, and try to minimize the impact of the epidemic.

“Qingdao fell 29% year-on-year in the first quarter, and policy adjustments will allow the market to return to normal more quickly.” Guo Shiying said, “It will not have a major impact on the market, and the market still maintains‘ housing and not speculating’Principle, appropriate fine-tuning to promote the stable and healthy development of the real estate market. “

It is worth mentioning that this policy is implemented under the theme of “Consumption Season” and the deadline is 100 days. Zhang Dawei, chief analyst of Centaline Real Estate, believes that only 100 days of landing is actually to avoid the policy impact.

In Zhang Bo ’s view, Qingdao ’s policy of restricting purchase restrictions mainly targets talents, “belongs to the category of talent policies and will not generally be revoked.”