Hangzhou overweight control blocking real estate speculation: the second-hand house sold over 10,000 sets in 5 months, and the new house was shaken by 10,000 people.

On September 4th, the website of Hangzhou Housing Security and Real Estate Management Bureau reported that in order to implement the requirement that "houses are used for living, not for speculation", support reasonable demand for self-occupation, curb speculative real estate speculation, and promote the stable and healthy development of Hangzhou real estate market, the Office of the Leading Group for the Stable and Healthy Development of Hangzhou Real Estate issued the Notice on Further Promoting the Stable and Healthy Development of the Real Estate Market (hereinafter referred to as the Notice), which has been used in land market, housing loans, tax policies, and purchase restrictions.

According to the statistics of RealData, the residential land sold in Hangzhou from June to August increased by 2 1.3% year-on-year, and the transaction area of new houses increased by 10.9% year-on-year. According to the data of qianjiang evening news House Purchase Treasure, in August, the transaction of second-hand houses in Hangzhou (excluding Lin 'an) was10/44 sets (as of August 3 1, 18). Although it is about 1 1374 sets lower than that in July, it still stands at the mark of 10,000 sets, becoming the fifth "breaking 10,000 months" this year, and also setting a record for the longest continuous "breaking 10,000 months" in the second-hand housing market in Hangzhou.

The number of college students who settled in the first seven months has exceeded that of last year.

At the same time, the introduction of talents in Hangzhou has reached a new high. According to Zhejiang News Client, by the end of July, 2020, there were 234,072 newly introduced college students under the age of 35 in Hangzhou, exceeding the number of 20 1 19 13 years.

Jing Haiyan, chief analyst of Zhejiang Zhongyuan, mentioned that after the epidemic subsided this year, the property market in Hangzhou was active, and some hot properties also showed a "million-person lottery", which was mainly due to the phenomenon that some new sites and surrounding second-hand properties had a set of second-hand housing prices upside down. With the warming of the market, the heat has also driven the land market, so the Hangzhou property market has performed more prominently after the resumption of work this year.

"The keynote of the policy is' supporting reasonable self-occupation demand and curbing speculative real estate speculation'. There are both places to tighten and places to relax. In general, it has hit the demand for real estate speculation, and at the same time supported and standardized the purchase of houses by families without houses. " Insiders pointed out.

Hangzhou property market purchase restriction policy has been upgraded again. The "Notice" has improved the housing purchase restriction policy, and made it clear that those who settle in this city in the form of parents relying on adult children must settle down for three years before they can purchase new commercial housing and second-hand housing as independent buyers within the scope of purchase restriction in this city.

"This provision actually blocked the passage of real estate speculation. The implication is that parents who follow their children can't buy a house immediately to prevent family real estate speculation. " Yan Yuejin, research director of a think tank center of a residential research institute, said.

According to the original policy, buyers whose parents rely on adult children to settle in the restricted area of Hangzhou can purchase new commercial housing and second-hand housing in the restricted area of Hangzhou after they settle down; Buyers who have settled in non-restricted areas of Hangzhou with their parents and adult children (Lin 'an, Tonglu, Jiande and Chun 'an) can purchase new commercial housing and second-hand housing in restricted areas of Hangzhou after two years of settlement. In addition, the "Notice" requires strengthening the regulation of the land market, increasing the supply of residential land, optimizing the supply structure, and continuing to implement the "limited price and competitive land price" transfer method for residential land. At the same time, it is necessary to regularly disclose the land transfer plan and the commencement of the land that has been transferred, and accept social supervision.

At the same time, the Notice calls for strengthening the prudent management of housing loans. First, strictly implement the differentiated housing credit policy and strengthen the qualification examination of borrowers; Second, strictly implement the income recognition standard and the monthly income ratio requirements, and accurately verify the real income of borrowers; The third is to strictly review the source of funds for the down payment of house purchase, and strictly prevent illegal misappropriation of consumer loans and personal business loans to purchase houses.

Houseless families must own a house for five years.

The "Notice" clarifies that the tax policy should be further unified, and the deed tax can only be paid if new commercial housing is purchased within the city.

The "Notice" also adjusted the identification criteria of families without housing, relaxed the identification of families without housing, and mainly added two types of families without housing: first, the buyers who are unmarried and single and have no own housing records within the scope of purchase restriction in this city; 2. Buyers who have been divorced and single for 3 years and have no record of their own houses for 3 years within the scope of the city's purchase restriction can be identified as families without houses.

According to the regulations, since the date of issuance of the notice, newly approved pre-sale (sales) of commercial housing, families without housing can register for priority housing selection.

However, the Notice also clearly strengthens the sales management of hot commodity housing projects. For hot commodity housing projects, real estate development enterprises should formulate sales plans in accordance with the principle of giving priority to meeting the housing needs of families without housing, and increase the proportion of housing inclination for families without housing. Commercial housing projects with a housing tilt ratio of 80% shall give priority to the purchase of housing obtained by families without housing, and shall not be listed and traded within 5 years from the date of filing the sales contract online.

"This policy is clear. Houses acquired by families without houses through preemptive purchase shall not be listed and traded within 5 years from the date of online signing and filing of sales contracts. This is a special policy to restrict sales. For families without housing, follow-up purchases can enjoy preferential treatment, that is, priority subscription treatment. But this does not mean that such groups can speculate in real estate. This policy has blocked a loophole in the preferential purchase of houses, requiring that such preferential purchases must be held for five years. This also prevents homeless families from borrowing' no room' for real estate speculation. " Yan Yuejin said.

It is worth mentioning that this policy echoes the "Relevant Requirements for Hangzhou to Further Clarify the Public Sale of Commodity Housing Notarization Yaohao" issued by Hangzhou in July this year. At that time, the policy also clarified the provisions for the sale of talents for five years.

Chen Xiao, an analyst at Zhuge Housing Search Data Research Center, mentioned that the relevant regulatory policies were introduced in July for the overheating of the Hangzhou property market. This new policy in Hangzhou is mainly aimed at improving and supplementing the previous real estate policy to further crack down on real estate speculators.

Eight cities have introduced measures to regulate the real estate market.

In addition to Hangzhou, Dongguan, Guangdong Province has also recently introduced detailed rules for restricting purchases and sales. On September 3rd, the Housing and Urban-Rural Development Bureau of Dongguan, Guangdong Province, together with Dongguan Real Estate Registration Center, Dongguan Taxation Bureau of State Taxation Administration of The People's Republic of China and Dongguan Central Branch of People's Bank of China, issued the Notice on Further Implementing the Policy of Restricting the Purchase and Transfer of Commercial Housing (Yuefu [2020] No.8), announcing the identification of in-transit transactions and the detailed rules for restricting the purchase and transfer of commercial housing. It is clear that the commercial houses that have been signed online from 0:00+0 1 on April 0, 2065438 to 24: 00 on July 24, 2020 can only be traded and transferred (including gifts) after obtaining the certificate of immovable property for two years; After 0: 00 on July 25, 2020, the commercial housing signed online must obtain the certificate of immovable property rights for 3 years before it can be traded and transferred (including gifts).

According to incomplete statistics, since July this year, cities including Hangzhou, Dongguan, Ningbo, Inner Mongolia, Shenzhen and Nanjing have successively introduced policies to tighten the regulation of the property market, mainly cracking down on fake settlement, fake divorce and fake talents.