Beijing Morning News (reporter Yang Yi) under the background of control policies such as purchase restriction, loan restriction and sales restriction, the real estate market has obviously cooled down, but the control policies of the real estate market are still increasing at layers. Yesterday, Haikou issued detailed rules for purchasing restrictions, strictly defining the qualification for purchasing houses; Wuhan took the lead in introducing the guiding price for decorating houses and strictly controlled the developer’s disguised inflation. The aftershocks were constantly regulated and the market began to enter an adjustment period.
Since the first and second tier cities set off a wave of regulation and control in March, the transaction volume of online signatures in many cities has declined, and the regulation effect has appeared. According to the data of 40 cities monitored by Zhongyuan Real Estate, the turnover of second-hand residential buildings dropped sharply last week, down 31% month on month, down 37% from last week. Except for the small rebound in trading volume in Shanghai and Guangzhou, the rest cities all experienced a sharp decline. Among them, Beijing, Qingdao and Xiamen decreased the most, with 60%, 56% and 48% respectively.
The overall cooling of the market has not stopped the determination of relevant departments to regulate and control, and more and more new policies have been introduced without giving housing prices the opportunity to “rise.
Wuhan had strictly implemented the pre-sale permit for housing before, and the price of new buildings was not allowed to rise. However, some developers played tricks on the decoration, resulting in high prices. Yesterday, Wuhan required to implement a segmented price limit for fully decorated housing. For example, “if the pre-sale filing unit price is no more than 10000 yuan, the full decoration price is no more than 2,000 yuan/square meter, and the pre-sale filing unit price is more than 30000 yuan, the total decoration price is not higher than 5000 yuan/square meter”.
On that day, Haikou also issued detailed rules for the implementation of the purchase restriction, further clarifying the scope of the purchase restriction, and bringing property-style hotels and second-hand housing into the scope of the purchase restriction.
In fact, since May, the real estate control policy has not been relaxed at all. Beijing, Shanghai, Chongqing, Chengdu, Zhengzhou, Wuxi, Wuhu and other places have issued relevant policies. For example, on May 4th, Shanghai explicitly requested that the newly opened commodity housing should be publicly sold by the lottery hosted by the notary agency; The real-name system of house purchase should be strictly implemented; No out of the money price should be charged in any name.
“Since September 30, 2016, more than 55 cities across the country have issued various real estate control policies for more than 160 times. Compared with the previous regulation, this round of regulation has joined the restriction policy, and for the first time it involves commercial and residential properties.” Zhang Dawei, chief analyst of Zhongyuan Real Estate, said that from the perspective of suppressing speculative investment, more cities will join the ranks of tightening credit and purchasing qualifications, “It is expected that the subsequent regulation of second-tier cities will be comprehensively upgraded to the four-limit era of purchase restriction, loan restriction, price restriction and sales restriction.”
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First-tier cities all raise mortgage interest rates
Beijing Morning Post news (reporter Yang Yi) strong intervention policies such as purchase restriction and sale restriction are still being digested, and banks have also begun to actively tighten the “money bag”, causing the real estate market driven by funds in the past to suddenly lose blood.
At present, the four major first-tier cities in Beijing, Guangzhou and Shenzhen have all raised mortgage interest rates. Among them, Beijing’s credit policy is the most stringent. From May 2nd, major banks in Beijing, including several major state-owned commercial banks, have tightened their mortgage policies one after another, and the first suite will implement the benchmark interest rate, the loan interest rate of the second suite will rise by 20% on the basis of the benchmark interest rate.
Some second-tier cities will also tighten credit policies as an important part of the new round of regulation and control. According to Rong360 data, among 533 banks in 35 cities across the country, the interest rate discount for the first suite of 122 banks rose in April, accounting. Among them, 42 banks provided preferential interest rates below 10%, a decrease of 66 from last month, a decrease of 61 percent. Meanwhile, 12 banks stopped lending.
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Beijing Morning News (reporter Yang Yi) under the background of control policies such as purchase restriction, loan restriction and sales restriction, the real estate market has obviously cooled down, but the control policies of the real estate market are still increasing at layers. Yesterday, Haikou introduced detailed rules for purchasing restrictions, strictly defining the qualification for purchasing houses; Wuhan is even more