Hangzhou cracked down on illegal "buying a house on behalf of frozen funds": irresistible property market speculation

Many property buyers try their best to improve the probability of lottery. The phenomenon of "freezing funds" by one person holding multiple room tickets has also aggravated the anxiety behind the Hangzhou property market. ?

China Housing News reporter Fu Shanshan, reporting from Shanghai?

202 1, the first "ten thousand people shake" project appeared. ?

On February 5th, Jianfa Real Estate Hangzhou City Company announced that its project Zizhangtai was registered from February/KLOC-0 to February 3rd. ?

According to public information, this project is one of a batch of red-disk projects obtained since Hangzhou 65438+1October 27th. Due to the sale of existing homes, the total price is low, the price is obviously upside down, and there are blessings from surrounding school districts, which has aroused great concern in recent days. ?

According to the online registration results, Zizhangtai received a total of 10795 valid data during the registration period, including 682 families without housing talents and1013 families without housing talents. ?

This means that Zizhangtai will become the first "10,000-person Yaohao" project in 202 1 Hangzhou. ?

It is worth noting that since the second half of 2020, in order to avoid overheating of the property market and crack down on investment speculation and real estate speculation, Hangzhou has tightened the property market regulation policy many times. However, judging from the reaction of a large number of red-hot markets entering the market, the effect is minimal. ?

Not only that, but in the case that the price of the red disk project is seriously upside down and "you can earn it if you buy it", many buyers try their best to improve the probability of lottery. The phenomenon of "freezing money" by one person holding multiple room tickets has also increased the anxiety behind the Hangzhou property market. ?

Are multiple room tickets still "running with you"?

In the past week, it was undoubtedly a torment for people who bought a house in Hangzhou. In fact, since the beginning of this year 1 month, this anxiety has spread among property buyers. ?

Ms. Li is a microcosm of Hangzhou Yaohao Army. ?

As early as the end of 2020, Ms. Li added a number of projects to purchase houses. These projects are basically recognized as hot projects by the government. According to Ms. Li, from last February to this year 10, the most frequently asked and discussed question of her purchasing team was when the project could be obtained. In different groups of buyers, the same question will be asked almost every day, and the property consultant can't give the exact time, just let everyone prepare the materials at any time and stand by. ?

On October 27th, 65438/KLOC-0, among the events that people expected, Hangzhou issued 22 pre-sale certificates for projects overnight, ranging from just-needed to improved and high-end. ?

Finally, I waited for the project to collect evidence, but the new problems faced by Ms. Li came again. Which project should I choose? ?

Hangzhou stipulates that buyers can only choose one of the same batch of red-hot projects to shake the number. In all kinds of entanglements, Ms. Li decided to register two more purchase places in the name of her mother and brother to improve the probability of winning the lottery. ?

On February 5th, Pin Guan Riverside, Jiapin, Hua Ting, Apollo and other projects took the lead in shaking the numbers, which also opened the biggest opening tide in the history of Hangzhou property market. ?

Two projects registered by Ms. Li, Star City and Mu Chen Hospital, announced the lottery results on the same day. These two projects are also relatively cold projects in several red discs launched this time. Among them, Xingchuang City launched 869 suites this time, and the final effective registration number was 1948, with a winning rate of 44.6%; Mu Chen Institute launched 794 houses this time, and the final effective registration number is 265 1, so the winning rate of this project can reach 30%. Although the winning rate of these two projects was high in the same period, Ms. Li still did not waver and pinned her last hope on the Sky City project, which opened on February 6. ?

"There is basically no play." In Ms. Li's view, the number of houses launched by Sky City and the number of valid registered households are 1009 sets and 6 18 1 household respectively, and the winning rate is about 16%, which is lower than the above two items, and the probability of "running with you" is very high. ?

In fact, there are not a few buyers like Ms. Li who are likely to be busy for nothing. According to the rough statistics on the Internet, Hangzhou is known as the biggest opening tide in history, with over 10,000 suites launched, and about 65,438+10,000 people signed up for the lottery online, which means that about 90,000 people can't shake their houses. ?

With the dust of some real estate projects settled, many anxious buyers are already looking for new opportunities to "get on the bus". ?

Is there a lot of chaos in "frozen capital"?

In 2020, Hangzhou will become the new "real estate capital" after Shenzhen, Hefei and other cities. The property market is hot, and buyers are often "hard to find a room". ?

This ever-expanding property market anxiety is likely to breed some irregular purchase behaviors. ?

This time, Hangzhou launched 22 hot and non-hot properties at one time, which not only created the biggest push tide in Hangzhou's history, but also the funds frozen behind more than 10,000 suites were as high as 100 billion yuan due to the request to freeze funds. ?

Take Zizhangtai with an average price of 28 1 1,000 yuan /m2 as an example. The first suite needs to be frozen by 900,000 yuan, and the second suite and the full amount need to be frozen by 654.38+0.8 million yuan. He Jiang Cui Ming, Yuchao House and other high-end projects have higher requirements for frozen funds, with the maximum frozen funds exceeding 6 million yuan. ?

For ordinary property buyers, millions of frozen funds are not small. ?

"In order to freeze the funds, my family and I took some money out of the stock market. First of all, the handling fee is high. Second, as soon as I took it out, the stock I bought went up by three points. I still don't know if the house can shake up. I lost a lot. " Buyer Qi Xiaoming said. ?

What's more, in order to freeze funds, it is illegal. ?

On February 4th, COFCO Muchen House issued a house purchase registration statement, pointing out that 1 1 households had "frozen funds on their behalf" and cancelled their qualification for lottery. ?

The strict investigation of "freezing funds on behalf of" originated from the widespread condemnation of Hangzhou property buyers on February 3, and many property buyers reported the situation to the Municipal Housing Management Bureau one after another. According to a source, the mayor's hotline in Hangzhou has been blown up by property buyers. As a result, the Hangzhou housing management department also made an urgent voice on the same day, asking developers to re-examine the frozen funds of property buyers. Once the illegal freezing of funds is found, the qualification of lottery will be cancelled. ?

Hangzhou Binjiang, Greentown and other housing enterprises have also voiced their voices, and will strictly review the purchase materials and severely crack down on illegal acts of "freezing funds". ?

The so-called "freezing funds on behalf of others" means that the buyer with insufficient funds freezes other people's funds in his own name by other means to obtain the qualification of lottery. This model can make buyers, brokers and banks "profitable". According to an online model of "freezing funds on behalf of", the interest of "freezing funds on behalf of" is one thousandth/day, and 1 ten thousand yuan is one day 1 ten thousand yuan, and the amount is limited, which requires one thousandth of deposit. ?

Gao, executive deputy general manager of Zhejiang Branch of China Index Academy, said that "freezing funds on behalf of others" is actually usury, and this illegal operation is unfair to buyers who are really qualified to shake the number. ?

According to a person familiar with the Hangzhou property market, the phenomenon of "freezing funds on behalf of others" has always existed. Previously, banks and other institutions did not have obvious willingness to investigate. In fact, the phenomenon of "alternative freezing of capital" is easy to find. ?

In addition to "freezing funds on behalf of", there are also some "unfamiliar faces" in the Hangzhou property market. For example, the property consultants of competing projects are no longer competitive, and popular properties will be diverted by properties with relatively few applicants. The most typical example is that Zizhangtai's property consultants directly "spit out" the shortcomings of the project in the purchase group, thus persuading the buyers to divert to the next-door project. ?

The marketing general manager of a local real estate enterprise in Hangzhou said that the original intention of the real estate consultant was not to "discourage", but to advocate the rationality of buyers and not to follow suit. After all, the current sales restriction policy in Hangzhou is linked to the winning rate. If the winning rate of non-hot properties is lower than 10%, the five-year sales policy should be strictly implemented. ?

In the eyes of many professionals, the reason why the property market in Hangzhou continues to be hot is because of poor regulation. If it is not strictly controlled fundamentally, it is expected that the heat will continue. ?