Does the Nanjing property market restrict purchases for the elderly?

165438+1October 18, the national bureau of statistics released the statistical data of residential sales prices in 70 large and medium-sized cities in 20 17 and 10. The data shows that the price of new houses in Nanjing, a hot city, has been adjusted back for eight consecutive months. In June, it even fell for the first time in a year, 1. 1 percentage point lower than a year ago. However, is the decline in data the truth of the property market? To this end, the reporter came to the once hot city to revisit. The first cities to visit were Nanjing, Suzhou, Xiamen and Hefei, which were once known as the "Four Little Dragons of Housing Prices". Through field observation, the reporter tried to restore the real scene of the current property market.

There is a rich and beautiful place in the south of the Yangtze River, which was once the capital of many emperors. The winding river is covered with mossy green water, and a red building looms in the high mountain peaks.

165438+1October 20th 10, in front of Yanshan Mansion, No.5 Mine in the east of Nanjing, there are many discussions. From Zhong Ling Street Subway Station of Rail Transit Line 2 to Liuying West Road, about 500 meters of roads are full of cars. There are many white-collar couples and white-haired old people in the crowd. The crowd is talking to each other with expectation and joy. Coming here to participate in the house selection proves that they have already won the lottery.

Minmetals Chongwen Jincheng launched 399 new houses this time, attracting more than 2,000 people to sign up for the lottery. The building is located in Hexi New Town, southwest of Nanjing. One of the reasons why so many people buy houses is that the opening price of new houses is about 350 million yuan/square meter, while the price of second-hand new houses around is about 50 thousand yuan/square meter.

This is one of the 10 properties opened in Nanjing Hexi New Town in the middle and late June (1 1). In just five days, almost all of the more than 3,000 suites that were centrally opened were sold out, and these houses all required a down payment of more than 80%.

At the house selection site of Chongwen Jincheng in Minmetals,1on the morning of October 20th110 station was full.

An old man who was helped to buy a house.

The property opened on the same day belongs to the school district of Nanjing Foreign Languages School Hexi Branch, and the concept of school district has added a layer of attraction.

10: 22, a gentleman in his twenties came out of the subscription hall and was immediately surrounded by waiting buyers to ask about the subscription. "A group of five people, have no time to think. The salesman directly asked me how big the area was, what building and room it was, and then paid a deposit of 500 thousand. The whole process takes about 2 minutes. " He chose an apartment of 90 square meters.

An old man stood in the crowd for dozens of minutes, and with the help of the younger generation, he walked out of the crowd to have a rest on the side of the road. At the scene, I saw many old people with gray hair standing in front of the sales office. These old people come because they are qualified to buy a house. They signed a purchase contract. As for the remuneration, it is their children's and grandchildren's business.

Nanjing's current housing purchase restriction policy stipulates that the sale of houses to households registered in this city who already own two or more houses is suspended within the main urban area of Nanjing (excluding Liuhe District, Lishui District and Gaochun District). Within the scope of Liuhe District, Lishui District and Gaochun District, the sales of 1 set and above housing to non-local registered households will be suspended, including new commercial housing and second-hand housing. Non-Nanjing resident families should provide at least 2 years' income tax certificate or social insurance certificate when applying for the first house purchase.

This makes many buyers who already have multiple sets think of the "room tickets" of their parents and even grandparents. "Anyway, it is already 80% down payment, and the loan is meaningless." Xu Nan (pseudonym), who already owns five houses in Nanjing, said that Xu Nan is from Nanjing. This time, he took advantage of his father's qualification to buy a house and won the room number of another building in Hexi, Renheng Oasis New Island.

Another younger woman drove her grandmother to choose a house. She used the ID cards of several old people at home to shake the number, but grandma just shook it.

Many old people are waiting for the call outside the opening scene.

Nanjing Hexi New City is located in the southwest of Nanjing's main urban area, bordering Sancha River in the north, Qinhuai New River in the south, Jiajiang River in the Yangtze River in the west, Qinhuai River and Nanhe River in the east. Its main body is located in jianye district with a total area of about 94 square kilometers. Among them, the land area is 56 square kilometers, and Jiang Xinzhou, Qianzhou and the river surface are 38 square kilometers. It is one of the major economically developed areas in Nanjing.

At present, 20 square kilometers in the north of Hexi New Town has been basically completed around 2000, and 2 1 square kilometers in the middle has basically taken shape with the help of the East Wind of the 10th National Games and the 4th World Urban Forum. The construction framework of the south 15 square kilometers was fully opened before the Youth Olympic Games, and the west 15 square kilometers. Jiang Xinzhou is cooperating with Singapore to develop and build a Sino-Singapore eco-technology island.

According to the requirements of Nanjing to further regulate the real estate market in May this year, Hexi New Town, Jiangbei New District, Nanbu New Town and other areas and some plots along Jiangning and Xianlin subways adopted the transfer method of "restricted objects, limited prices, limited sets, restricted transfers, restricted sales methods and competitive land prices". The newspaper learned that the average price of real estate in the middle of Hexi New Town is limited to 45,000 yuan/square meter, and the average price of real estate in the south is limited to 35,000 yuan/square meter.

The reporter consulted the real estate agent of 2 1 century near the Chongwen Jincheng property in Minmetals and learned that a 90-square-meter apartment costs 3,500-4,500 yuan per month. Minmetals Chongwen Jincheng entered the market for the first time in April 20 14, and the opening price was about 23,500 yuan/square meter. The last offer was made in May, 20 16, and the unit price was 35,000 yuan/m2, which was consistent with the unit price of this offer. In this more than a year, the surrounding second-hand houses have risen to about 50,000 yuan/square meter, making the price per square meter upside down 1.5 million yuan.

Pick the biggest room type: buy and earn.

Aunt Sun, who is in her fifties, said, "I'll buy it first and see if this school district is good. If it is good, my little grandson will live in the future. " She and her in-laws won the lottery and can buy two sets this time. They are not going to give up any of them. They are going to chip in some money to buy them all.

Because of the "luck" of the lottery, as long as qualified and funded property buyers intend to buy as much area as possible, which makes almost everyone's main goal when choosing a house is that the bigger the room, the better.

Jiang Fengyuan, the third phase of Renheng Oasis New Island subscribed by Xu Nan, is located in Jiang Xinzhou. This time, there are 636 suites with 88 square meters of two rooms, 128, 135, 136 square meters of three rooms, and the average opening price is 36,000 yuan/square meter. He and his sister are the owners of Renheng jiangwan city, a nearby building. At present, the listing price of jiangwan city on the intermediary network is between 65,000 yuan and 75,000 yuan in the third and fourth phases. "I went out at 8 o'clock in the morning and the sales center was full of cars." He said.

The reporter started from nanjing xinjiekou, took 8 stops of Rail Transit Line 2, changed to 4 stops of Rail Transit 10 at Yuantong Station, and arrived at Jiangxinzhou Station in about 30 minutes. There are more than a dozen cars parked on the central avenue in front of the sales office, and there are not a few famous cars such as BMW, Mercedes-Benz and Audi. The security guard said, "Yesterday, the road in front of the door was full, and there were cars around the community, all of them came to see the house."

Renheng Oasis New Island will arrange for the first 220 buyers to choose houses in the morning, the buyers before 420 to choose houses in the afternoon, and the houses after 420 will be selected after 7 pm. 80% down payment is required to be paid on the day of house selection 165438+ 10/9. Xu Nan chose the room for the evening, and he was a little worried that the big room had been selected when it was his turn.

The announcement of the sales office shows that 80% down payment is required on that day.

Sales office, looking at the sand table buyers are making final preparations for choosing a house. Some property buyers list room types and floors on paper, carefully screen them and determine the final order. They discussed, "buy whatever you want and invest in it." The selected number has at least the function of investment. It depends on whether the optional house area is ideal. " "The new house price limit opportunity is rare, and it is at least cheaper than the surrounding second-hand houses 1000 yuan. This earned millions or even millions of yuan by luck. And it is Hexi, which is well planned and a hot spot in Nanjing. The pension is good and you don't have to change hands. " Others joked: "It's my turn not to know what kind of apartment it is. Just change hands and appreciate quickly. "

Mr. Huang, the owner of the second phase of Oasis New Island, also won the lottery this time and wanted to buy a set for the elderly at home in the third phase. The house where he stayed in the second phase is 180 square meters. When he bought it two years ago, the unit price was 26 thousand. He said, "You can buy as much as you want. There are no more opportunities here. I just sold a second-hand house of 180 square meters with a unit price of 49,000. "

165438+1October 19 in the afternoon, the staff posted a red dot in front of the "house" subscribed, and the large apartment was basically selected.

At 7: 40 pm, Xu Nan subscribed for a house on the third floor 135 square meters, which is the second largest apartment in the property. At this time, most of the houses have been marked with red dots (representing that they have subscribed), and large-sized units such as 136 square meters and 135 square meters have been basically selected. In the back of the property buyers, some have given up the choice of several numbers, and intend to use the only "room ticket" on the top property, while those who only shake to one number buy 88 square meters.

In the evening 10, the house selection of Renheng Oasis New Island continued, and new people joined the owners group established by buyers from time to time. After the number 636, about 100 buyers gave up the subscription, or chose other properties, or the apartment type was not ideal, and the number 828 became the number to subscribe for the last suite.

The reporter saw on the Nanjing online real estate website headed by Nanjing Housing Security and Real Estate Bureau that from 165438+ 10 to 65438+122 on October, the number of saleable commercial houses in jianye district decreased from 4,886 to 1896.

From the real estate situation compiled by the reporter, we can see that Poly Tian Yue, which has the highest winning rate, can be chosen by almost registered buyers, but Poly Tian Yue has 120 sets of Daping buildings with a total price of 235 square meters, but the total price is10 million yuan. It was sold out on the opening day.

Chaos: the house price is not upside down and no one buys it.

In the future, the new house products listed in Hexi are mainly large flat floors, and all of them are high-priced plots, including 7 high-priced complex plots and 3 residential plots. The floor price of residential plots is 37,000-45,000 yuan/square meter, which is almost the sales price of the current opening property in Hexi.

Hexi 10 property ***3 177 housing * * registration number exceeds 14000 (including duplicates), and the average winning rate is less than 23%. 165438+1October 15 8: 00 At the same time, in order to improve the probability of lottery, some people go out early in the morning and go to the next registration place after registration; Some families mobilized and queued up for registration in different properties. A young couple told the newspaper that most people were interested in Caesar's property, and it was almost afternoon 12 after registration.

Because each building needs different banks for capital verification, the funds cannot be withdrawn, which means that if you want to register more numbers or more buildings to try your luck, you must prepare more funds. According to the reporter's understanding, the capital verification threshold for registering a number is mostly above 2 million yuan, with a maximum of 4.3 million yuan. According to local media reports, in order to increase the probability of lottery, some property buyers have deposited tens of millions of dollars in bank accounts only for capital verification.

The new houses in Hexi are so hot that the above-mentioned insiders said: "Hexi itself is a hot spot, and it is even hotter across the river from Jiangbei. Moreover, when the land auction reached the maximum price last year, it was necessary to sell existing houses, which was equivalent to extending the period from land auction to listing for one and a half to two years, and the supply was insufficient. The last time I pushed Jiang Xinzhou Renheng Oasis New Island was 20 months ago. "

In sharp contrast, as a real estate agent, I love my family. A broker in Sanyuanxiang, Nanjing, told the reporter that there are two rail crossings between Gulou Business Circle and Hunan Road Business Circle, and Panyue City Plaza will be added before the end of the year. The average price is about 35,900 yuan/square meter. If he takes the house with him, he can register two numbers without capital verification.

Pan Yue City Plaza, which opened for the first time in June this year, has 248 sets of hardcover houses. On the day of house selection alone, 130 group of buyers signed up and paid a deposit of 600,000 yuan. According to the data of online real estate in Nanjing, there are still 28 sets for sale as of June 29th. 165438.

It is also a hardcover room with floor heating and central air conditioning. Why are new houses in urban areas with more convenient surrounding facilities "left out"?

The above-mentioned insiders told reporters that Fan Yue City Plaza is located in the old city reconstruction area. It used to be a logistics warehouse, surrounded by railway stations and big markets. The environment and public security are relatively poor, and the corresponding schools are not very good. The surrounding area is facing demolition and road construction at any time. Unlike the newly planned area, famous schools can be introduced soon and the living comfort is better.

A real estate agent said: "There are many old houses in the city center. Hexi was a rural area ten years ago, but now it is gradually matched and commercialized. Many people still consider half investment and half improvement. Jiangning didn't develop a few years ago. Now that the subway is connected, wanda plaza has been built. Jiangning's turnover has also become the top in Nanjing. The house I bought the year before last was also unpopular, and the second phase of this year has doubled. "

"Buying a house should be sooner rather than later, and it is another price after the year. Personally, except for a homeowner who was eager to sell his house in order to participate in the Hexi Yaohao, he reduced the total price a little but asked for the full amount. Other second-hand houses are still rising steadily. " He said.

Except for the new house in Nanjing, even if it is also a new house in Jiangbei New District, the house price is not upside down and no one buys it. 1October 30 10, located in Jincheng, Beijiang, Pukou District, Jiangbei New District, is licensed for sale from Yushan Road Station of Rail Transit 10 Line10.5 km, 108 Suite Source. However, because the average price of new houses is 24,300 yuan/square meter, which is slightly higher than the surrounding second-hand houses, so far, the transaction and subscription are zero. At the same time, a small number of houses in the early stage of the property have not been sold out for more than a year.

Yan Yuejin, research director of the think tank center of Yiju Research Institute, said that the hot sale of Nanjing Hexi property market has its inevitable reasons. First, the hot plate is well planned. Second, in the context of price fixing, the prices of new and second-hand houses are upside down, especially in hot spots. The price of new houses is lower than expected, and the psychological initiative of "buy and earn" has released the enthusiasm for buying houses. Yan Yuejin also pointed out that from the perspective of housing enterprises, the market demand is large, which coincides with the need to quickly withdraw funds at the end of the year. However, "80% down payment" is strictly illegal. In the whole housing market, this is a discriminatory condition and unfair.

"The chaos in the Nanjing property market has certain enlightenment: how to ensure the stability of the housing market under the price limit and lottery system." Yan Yuejin said, "Some families recognize four or five properties at the same time, and the winning rate of popular properties is low, indicating that there are still many groups in strong second-tier cities represented by Nanjing who meet the conditions for buying houses, and the potential demand for buying houses is large. Therefore, increasing land supply and housing and improving the balance between supply and demand are still the fundamental ways. If it is leverage, then how to supervise the real estate market needs to be considered. "

Supervision is not for statistics.

"The problem of price inversion in other regions is not big, and Hexi is easy to become a' burning point'." Meng Xiangyuan, director of the Urban and Real Estate Research Center of Nanjing Forestry University, said that Hexi is a key new urban area in Nanjing in recent years, and it is also a gathering area of high-end service industry in the future, and real estate has been selling well. Under the policy of price restriction and sales restriction, there was no supply of new houses in the region in the past six months, which accumulated a lot of market demand, so it attracted thousands of people to snap up as soon as it opened.

During the investigation, the reporter found that as long as the prices of buildings are upside down, almost all of them are in unprecedented demand.

In Jiangning District, "Last Friday afternoon (165438+1October 24th), when my friend went to Shi Lang Youth Block in Lukou, Jiangning District to register, it was more than 4,000." A real estate developer told reporters.

Jiangbei New District, which faces Hexi across the river, is also in the area where house prices are restricted. Due to the low total price, the looting situation is even worse.

165438+1October 20th, after a lapse of more than one year, Lanxi Valley, a merchant in Jiangbei New District, got the sales license again, with 5 16 sets of rough houses, with an apartment area of 89 square meters and an average price of about 14000 yuan/square meter. The reporter saw on a local real estate agency website that the listing price of 76 square meters of second-hand houses in Lanxi Valley was around 20,000 yuan. 1 1, 2 1 More than 3,000 people lined up at the scene to register that morning. The loan conditions of the property are very strict: the credit card is overdue 1 time or more and the loan cannot be made; If there is a credit loan or consumer loan record in the name, the loan cannot be made; The interest rate of the first suite goes up 15%, and the interest rate of the second suite goes up by 20%.

Together with China Merchants Lanxi Valley, it was named "The Divine Disk of Jiangbei New District", and China Resources International Community in Jiangxin decided to promote it within this year. The last time the property entered the market was June 2, 20 16, and it has been 16 months. It is predicted by the industry that if the housing is still a blank, the price will be the same as last year, about 2 1 10,000 yuan/square meter. /kloc-A new 89-square-meter three-bedroom apartment was built in mid-October, with a total price of 365,438+million and a unit price of 34,800.

165438+1On October 29th, China Merchants Lanxi Valley issued a lottery announcement, and the final number of effective applicants was 8668, with a winning rate of 5.9%. Not surprisingly, on February 2, 65438, the house selection was opened, and all the houses pushed by China Merchants Lanxi Valley were subscribed.

In response to the strange phenomenon of Nanjing property market, Xinhua News Agency1comment on October 26th 165438 said that this phenomenon did not occur because the regulation of the real estate market was too strict, but because the regulation was not comprehensive enough and the reform was not deepened enough. At present, the regulation of the real estate market has entered the "deep water area", making it more difficult to regulate. The more anxious the market is, the more stable the expectation is. The crazier the market is, the more it needs to deepen reform. We can't lose confidence and patience on the road of reform.

The purpose of housing price regulation is not to unilaterally limit the opening price of new houses, nor to "cover up" housing prices, nor to "look good" statistical data. To control the real estate market, short-term control policies should create a window for long-term reform, so that control and reform measures can work together, and it is even more important to treat the symptoms rather than the root cause.

First of all, the short-term regulation of the property market should give way to a long-term mechanism. A long-term mechanism should be established in the direction of "houses are used for living", and the land supply of public rental housing should be gradually expanded, focusing on meeting the housing needs of migrant workers, newly employed college students and other urban "sandwich" and needy people, further narrowing the gap between the rich and the poor and promoting the balance between supply and demand in the real estate market.

Secondly, do a good job in the capital market, increase the supply of high-quality investment products, expand investment channels, and guide funds to shift from the real estate market to other markets. Reduce the investment income of the real estate industry, cut off the open channels of speculative real estate speculation financially, guide investment into the real economy, and transfer it to the industrial development that needs urgent support.

In addition, in strict accordance with the functional orientation of real estate, we will resolutely hold the bottom line of no systemic risks, clarify the main contradictions, support policies and measures to achieve short-term and long-term mechanism coordination, and continuously deepen reforms. Only by taking a multi-pronged approach, stabilizing expectations, taking into account short-term and long-term interests, and doing detailed work can we promote the stable and healthy development of the real estate market.