2020-08-05
A wake up to buy a house has no qualifications! Who is affected by the heavy adjustment of purchase restriction in Shenzhen property market
When you wake up, you can't afford to buy a house! Who

affected by Shenzhen property market heavy adjustment of purchase restriction \ On July 15, Shenzhen Municipal Bureau of housing and urban rural development and other parts said that it was in line with the \ In addition, Wang Yang (not his real name), who is planning to buy a house in Shenzhen in recent half a month, laments that \ Shenzhen's restrictions on purchase and upgrading of Shenzhen households Beijing News shell financial reporter carefully noted that the \ According to the \ However, the original regulation is: the city's household registration households (including the families whose family members are residents of the city's household registration) have implemented the policy of restricting the purchase of two sets of housing; adult unmarried persons (including divorce) with household registration in this city are limited to purchase one house in this City, and there are regulations on the years of individual income tax or social security payment in other countries.

Zhang Dawei, chief analyst of Zhongyuan Real estate, believes that in the past 500 lottery app software, it was relatively easy for Shenzhen to obtain the purchase qualification of 500 lottery app software, and the large number of fried tenants obtained the loan qualification of their first house with the help of Shenzhen. This policy upgrade request must have 3-year personal income tax or social security, which will also strongly attack one-sided real estate speculators.

In fact, according to the reporter Xiaochang, it is not difficult to settle down in Shenzhen. Those who have a bachelor's degree or above in higher education and are under the age of 45, or those who have a light higher education background or above, and who are under the age of 35, can apply for talent introduction and relocation. That is to say, light graduates can choose to settle in Shenzhen Households.

For those who are not in Shenzhen, the \ In view of the appearance of \ According to the previous regulations, when a buyer applies for a housing loan within two years of divorce, the proportion of down payment of the loan is not less than 70%. However, before the divorce, 30% of the loan is still paid, and only one house is paid 50%. In contrast, the supervision of \

the proportion of down payment for non light housing rises and attacks the high-end housing market

In addition, the new deal also adjusted the down payment ratio and distinguished the down payment ratio of light housing and non light housing.

According to the regulations, for those who do not have a house in the city but have commercial housing loan records or provident fund housing loan records under the name of the buyer's family, the proportion of down payment for purchasing light housing shall not be less than 50%, and that for purchasing non light housing shall not be less than 60%.

At the same time, it is stipulated that the down payment ratio of loans for purchasing light housing shall not be less than 70% and that for purchasing non light housing shall not be less than 80%.

In the original, in the first case, only the proportion of down payment is not less than 50%; in the second case, the proportion of down payment is not less than 70%. In contrast, the proportion of down payment of loans for purchasing non light housing is 10 percentage points higher than that of the original.

How to distinguish between light housing and non light housing? In accordance with the \ In other words, if the actual transaction price is higher than 7.5 million yuan, the loan down payment ratio of non light housing should be obeyed, and the down payment obligation of house buyers should be supplemented.

Zhang Dawei pointed out that the policy will raise the non ordinary standard, and the \ It is worth noting that the situation that the home buyers have no house in the city and no commercial housing loan records or provident fund housing loan records in the city will not be affected by the new deal, and the policy of minimum down payment ratio of 30% is still implemented.

Home buyers hope the new deal will bring down house prices. Experts say they are looking forward to a half year drop of more than 5%

There is no doubt that the introduction of the new policy in Shenzhen will have a great and direct impact on house buyers. At the same time, their mentality is slightly complicated.

Wang Yang, who wants to buy a house in Shenzhen, told reporters: \ Ms. Lin also has the same idea: \ Wang Yi (pseudonym), a Shenzhen citizen who always pays close attention to Shenzhen's housing market, told reporters: \ Wang Youjia, a senior analyst at the Central Committee of the CPC Central Committee, believes that the tightening of Shenzhen's regulation and control is a certain effect of excessive market inflammation.

In the first half of this year, Shenzhen's second-hand real estate market recovered rapidly after the epidemic, and the growth rate index was ahead of other cities. According to the data of Zhuge house search, in the first half of this year, Shenzhen's second-hand housing transactions reached 43586 units, with a cumulative year-on-year increase of 39.9%, which was faster than that of first tier cities such as Beijing (- 5.8%) and Shanghai (- 8.4%).

Behind the soaring turnover, Shenzhen's housing prices are also strong. According to anjuke app data, the average listing price of Shenzhen's second-hand houses in July was 55863 yuan / m2, up 0.23% month on month and 3.23% year-on-year.

However, after the implementation of the new policy, Shenzhen's property market may show a clear cooling down. Zhang Dawei believes that one-sided investors can be the first to leave the market, and the first trading volume of the market from July to August will be shortened rapidly. The collective hope is that if the new policy is implemented in Shenzhen, the investment proportion will plummet and the housing price will be reduced by more than 5% in the first round.

Li Yuejin, director of the Central Research Institute think tank of E-House Research Institute, thinks that the policy has a strong signal significance. Although the real estate business market is under a lot of pressure due to the impact of the epidemic this year. However, we can also see that the excessive rise of one-sided urban housing prices violates the guidance of stabilizing housing prices and the policy guidance of housing without speculation. The idea of such a policy is to further promote market peace and guard against market speculation. In the follow-up, other cities that worry about house prices and rise too fast will also have policies.

Pan Yichun, shell finance reporter of Beijing News