Shanghai second-hand housing "price verification" New Deal full moon: some landlords "lie flat" refused to reduce prices, and the intermediary made great efforts to distribute leaflets.

This is a month full of variables in Shanghai's second-hand housing market.

A month ago, the "price verification" mechanism was launched for the listing of second-hand houses in Shanghai. Over1, suites were taken off the shelves overnight because of the listing price. The sudden New Deal made landlords lose their minds, and no one dared to jump to conclusions about the next market environment.

At that time, the agent gave the landlord a "placebo", and they repeatedly said "Don't panic", and repeatedly stressed that the price verification mode would not affect the pace and process of housing transactions, and buyers would not leave because of it. As long as buyers are still there, they don't have to panic.

At the same time, in order not to be disturbed by the New Deal, intermediaries have made moves for landlords. Some intermediaries display the off-shelf houses by handwritten information through offline promotion; For the houses that are put on the shelves at reduced prices, the "decoration fee" will be increased in the actual transaction process, so as to equalize the selling price and so on.

However, even though the intermediary and the landlord have all kinds of countermeasures, the second-hand housing market in Shanghai has come out of the decline this month under the impact of the New Deal. According to the monitoring data of Shanghai Chain Home, the volume and price of second-hand houses in Shanghai fell in July. Among them, 24, second-hand houses were sold in the city, down 15% from the previous month, and the listing price dropped 8% from the previous month.

Some landlords "lie flat" and refuse to reduce prices

In a market with strong demand like Shanghai, landlords are always the most stable. In the view of a large part of landlords, even if the sale cycle will be lengthened, it is not easy to reduce the price and "sell cheaply".

"My house listed in Lianjia was taken off the shelf, and the intermediary gave me two plans: one is to lower the listing price, and the other is to suspend listing. For this matter, my idea is that if I can't reach my psychological price, I won't be listed. It doesn't matter if I wait. " On July 2th, Zhang Qing received a notice that the house was taken off the shelves. She published a short article on social platforms to express her "lying flat" mentality in the face of the New Deal.

Zhang Qing believes that before the introduction of the price verification policy, the housing sales in his residential area were optimistic, and the gap between the transaction price and the listing price was not big, which shows that price reduction is not the only choice. "Buying and selling a house is a willing-to-win transaction, and I can't find a reason to reduce the price. I think we can observe it for a while, see what the policy and market trends are, and then make a decision. "

The intermediary persuaded Zhang Qing to lower the price appropriately several times to reissue the house, but Zhang Qing always thought that her house was not a "high-priced house", and her house was "frozen" on the online platform because she insisted on not adjusting the price. But Zhang Qing doesn't mind, "as long as I don't want to, no one can let me sell the house at a reduced price".

This speech caused controversy, and two groups of people debated in the comment area of social platforms in Zhang Qing. One group is Zhang Qing's "fellow travelers", who have also experienced the removal of houses and have many complaints about the price verification policy; Another school looks at the new policy of price inspection from the perspective of ordinary buyers, and thinks that landlords think too much of themselves, and it will be an inevitable trend for Shanghai's second-hand housing prices to return to rationality.

In fact, since this month, Zhang Qing has been seeing cases of houses being taken off the shelves, and she also realized that "lying flat" is not a long-term solution. Not long ago, a Pudong Qiantan house with seriously upside-down second-hand housing prices was temporarily "unsealed" on the shelves, but after the second correction of price verification, the high-priced houses in the plate were once again removed in batches.

It can be seen that the government is serious about the second-hand housing market. "Lying flat may not be the best way, but lying flat can calm me down and minimize the probability of making mistakes." Zhang Qing told Time Finance that at present, her listing price has not been lowered, perhaps because of the price, and the amount of intermediary visits has been greatly reduced recently.

The market is cooling down, and the intermediary is pushing hard

Compared with the landlords' "lying flat" mentality, the intermediary's mentality has fluctuated more in the past month.

The intermediary was caught off guard by successive regulatory policies. The second-hand housing listing price verification system was first released on July 9. At first, many intermediaries thought that the "lethality" of the New Deal was limited. Even on July 2, when there was a phenomenon of centralized removal of houses, there were intermediaries shouting to customers in the circle of friends, hoping that customers would not secretly rejoice when they saw low-priced houses.

for the price verification system, the intermediary has already thought about the countermeasures. An intermediary revealed to Time Finance that after the price verification system was launched, they regarded the houses that failed the price verification as "hidden houses", and directly recommended or showed them according to the requirements of buyers, omitting the steps of online display.

there are also some houses, which are "packaged" by the landlord at the suggestion of the intermediary and then put on the shelves. This method requires the landlord to lower the listing price and put it on the shelves after price verification. The price difference between before and after listing will be charged to the buyer in the name of "decoration fee", which is usually from hundreds of thousands to hundreds of thousands.

Price verification is only one of the difficult problems, and the purchase restriction policies introduced one after another and the regulation made at the mortgage port are the source of anxiety for the intermediary.

On July 24th, Shanghai's purchase restriction policy was patched again, and the donated property was included in the purchase restriction scope. According to the policy, if the house is transferred by gift, it will still be recorded in the number of houses owned by the donor within 5 years from the date of transfer registration, and the donee should comply with the national and municipal housing purchase restriction policies.

On this basis, the mortgage has been tightened continuously. Since July 24, the interest rate of the first home loan in Shanghai has risen from the previous 4.65% to 5%, the second home loan has risen from 5.25% to 5.7%, and the second-hand housing loan cycle has also been extended to about half a year. On August 6, the loan side was further tightened, and Shanghai announced that it would implement the "three prices will be low" in approving the loan amount.

under the containment of regulatory policies, buyers' wait-and-see mood is getting stronger, the second-hand housing market, which has been hot for several months, is rapidly cooling down, and the "cleverness" of intermediaries is also ineffective. At present, the number of online houses has plummeted, and the number of visitors is getting worse day by day. Compared with the crowded scene a few months ago, the intermediary stores are now very deserted.

Intermediaries have returned to the previous push mode. Almost every popular residential area can be seen where intermediaries gather in groups of three or five, and there is a whiteboard in front of them, which is full of housing information. There is also an intermediary to print out the listing information form and stuff it into the community mailbox one by one.

However, the latest statistics from Dr. Rabbit's APP show that the second-hand housing market is still in a downward trend. From August 9 to August 15, the average listing price of second-hand housing in Shanghai was about 67,333 yuan/square meter, down 1% from the previous month. The number of listings was 23,273 sets, down 3% from the previous month.