Entering the traditional peak season of "Golden September and Silver 10", third-and fourth-tier cities such as Chun 'an County, Hangzhou, Zhejiang Province, Shanwei City, Guangdong Province and Handan City, Hebei Province have introduced the "Golden Autumn" new house purchase policy and relaxed the property market regulation policy.
It is worth noting that in the new round of property market regulation in third-and fourth-tier cities, in order to boost the property market and promote sales, housing subsidies have become "standard". On the basis of supporting talents to buy houses, many cities have increased their support for young people to buy houses.
Chen Wenjing, director of market research in the Index Division of the Central Reference Institute, said: "Recently, the frequency of policy introduction in third-and fourth-tier cities has been slightly accelerated. For third-and fourth-tier cities, after the high-frequency optimization policy in the first half of the year, the space for policy optimization is relatively limited. With the relaxation of restrictions on purchases and loans, the adjustment of housing subsidies and provident fund policies has become the choice of most cities. In order to promote the release of housing demand. "
In September, some areas released a list of new real estate policies.
"Fancy" housing subsidies, cash back, discount interest and coupons.
On September 9th, the New Real Estate Policy issued by Chun 'an County in Hangzhou made it clear that those who buy the first set of new commercial housing in Chun 'an County will be given a subsidy of 300 yuan per square meter, and the maximum subsidy for a single set will not exceed 50,000 yuan. The purchase of new commercial housing in Chun 'an County is subsidized by 200 yuan/m2, with a maximum subsidy of 20,000 yuan.
At the same time, Chun 'an County also cooperates with housing enterprises to organize group purchase concessions. Real estate enterprises that are required to participate in preferential activities will give "Mobile Home Source Exchange" new commercial housing a locked price discount on the basis of real estate, of which 5 sets or more will be purchased in groups, minus 2%; 10 sets and above 3%; Group purchase of more than 20 sets will drop by 4%; Group purchase of more than 50 sets will be reduced by 5%.
Lanxi City, Zhejiang Province has also introduced a variety of subsidy measures, and subsidies can be superimposed. 10 From September to the end of this year, Lanxi City implemented a single set of subsidies for house purchase deed tax of no more than 50,000 yuan, with a maximum subsidy of 20,000 yuan for rigid demand, 20,000 yuan for foreigners to buy houses, and 90,000 yuan for employees in the education and health system. If the purchaser meets the above conditions at the same time, he can receive the maximum housing subsidy of190,000 yuan at one time.
In addition, the preferential purchase of houses has also become a new measure of local policies. For example, on September 9, Shaoxing, Zhejiang Province issued a new real estate policy, which stipulated that those who bought new houses would be given a preferential interest of 15% in the first year of commercial loans, and the policy was open to all buyers, which was an inclusive policy measure.
Liaocheng City, Shandong Province offered subsidies in the form of shopping vouchers. On September 9, Liaocheng City, Shandong Province launched "Several Measures on Accelerating the Construction of Youth Friendly Cities to Support the Demand for Youth's First Housing (Trial)", which mentioned that young buyers bought the first housing through the market in the main urban area of Liaocheng City, and the municipal finance gave 50,000 yuan to young people to buy a house. At the same time, according to the voluntary principle of enterprises, a development project directory database is established according to the application of enterprises; Real estate development enterprises give young buyers 50,000 yuan of supporting vouchers for housing enterprises.
Liuyang City, Henan Province also subsidized the orderly demolition of non-residential buildings. According to "Several Measures for Promoting the Stable and Healthy Development of the Real Estate Market in Liuyang City", during the period from September 10, 2022 to February 28, 2023, those who purchase new commercial and office non-residential buildings (excluding industrial real estate and second-hand housing non-residential buildings) within the administrative area of Liuyang City, and complete the online signing of commercial housing contracts, deed tax payment and property maintenance fund registration, will be given 50% business start-up subsidies.
Third-and fourth-tier cities encourage young people and foreigners to buy houses.
"Be thirsty for talent". Among the housing subsidies for talents in third-and fourth-tier cities, the Nanxun District Government of Huzhou City, Zhejiang Province has a great subsidy. According to Supplementary Opinions on the Implementation of Talent Housing Subsidy Policy in Nanxun District (Draft for Comment), from September 9 to February 3 1 day, full-time doctoral students, full-time master students, full-time undergraduates and other college graduates will be subsidized by 500,000 yuan in one lump sum.
Most of the cities that have recently issued policies frequently are third-and fourth-tier cities. In addition to subsidizing talents to buy houses, these third-and fourth-tier cities also focus on subsidizing young people and foreigners to buy houses, which also reflects the policy thinking of retaining young people and attracting foreigners in third-and fourth-tier cities.
For example, the new housing policy in Liaocheng, Shandong, has many preferential measures for young buyers, involving housing subsidies, mortgage interest rates, provident fund and other supporting measures. Among them, young buyers bought the first set of housing through the market in the main city of Liaocheng, and the municipal finance gave 50,000 yuan to young buyers. At the same time, the supporting provident fund policy, credit policy and minimum down payment of 20% will be implemented for young people to buy houses, and the policy of liberalizing settlement will be promoted at the same time. All young people who meet the conditions for settlement can enjoy the first set of preferential housing policies after registering their accounts in Liaocheng.
Lanxi city's policy also specifically proposes to subsidize the purchase of houses by all migrants after they settle down. Among them, in attracting the inflow of foreign personnel, the household registration personnel in Lanxi City who bought the first set of newly-built commercial housing in Lanxi City were given a one-time subsidy of less than 1 10 square meters, and those who bought more than 1 10 square meters were given a one-time subsidy of 20,000 yuan.
In this regard, Chen Wenjing said: "Since the beginning of this year, many third-and fourth-tier cities have provided policy support such as talents and migrants. For example, Jiande, Jiangshan and other places in Zhejiang have provided housing subsidies to non-local registered families, while Zhangzhou, Fujian and Zhoukou, Henan have provided housing subsidies to young talents with corresponding academic qualifications. Through the introduction of policies to support talents and floating population, it is conducive to improving the continuous outflow of talents and population in third-and fourth-tier cities. At the same time, promoting the demand for home purchases through policies related to home purchases is also conducive to stabilizing the real estate market sentiment. "
Multi-measures to help housing enterprises
In the recently launched new real estate policy, increasing support for housing enterprises has become the focus of policy content.
On September 10, the Ten Policies and Measures on Supporting the Healthy Development of Real Estate Industry issued by Cixian County, Handan City, Hebei Province proposed that projects with a long period of real estate de-transformation can apply for conversion into affordable rental housing to avoid repeated construction.
At the same time, in optimizing the supervision measures of real estate development funds, the supervision requirements for pre-sale funds of new commercial housing have been relaxed in many places. For example, in Cixian County, Handan City, Hebei Province, a node of "Half Completion of Secondary Structure" is newly added. The node audit standard is that the accumulated application amount of the node does not exceed 70% of the key supervision funds, and the implementation time limit is tentatively set at the end of 2022. For new real estate projects started this year, the capital of real estate development projects will be suspended until the end of the year.
Yuecheng District, Shaoxing City, Zhejiang Province has also made it clear that high-quality housing enterprises can optimize the management of some supervision funds within the scope permitted by the policy, and the proportion of supervision funds for housing enterprises that acquire land for the second time can be appropriately lowered.
Chaling County, Zhuzhou City, Hunan Province issued 17 measures to promote the healthy development of the real estate industry. It is mentioned that to reduce the cost of using land funds for development enterprises, the minimum proportion of auction deposit for residential land will be reduced to 50% of the listing price, and all the land transfer price can be paid in installments within 6 months from the date of transfer; In order to promote the effective use of underground parking spaces, underground parking spaces can be purchased by real estate registration, mortgage loan purchase and deed tax payment, and the county finance will reward and supplement them according to the deed tax payment 100%.
In the traditional "Jin Jiu" sales season, if a number of policies are overweight, will the markets in third-and fourth-tier cities improve? Chen Wenjing predicted: "From the perspective of market performance, except for a few cities, the overall market enthusiasm in most cities is still not high, the wait-and-see mood is still strong, the market recovery expectation is limited, and the traditional' Jin Jiu' started less than expected."
"In the short term, under the expectation of gradually increasing policy intensity, buyers' expectations and home ownership confidence in hot first-and second-tier cities are expected to gradually pick up, which in turn will lead to a certain degree of improvement in market sentiment in surrounding third-and fourth-tier cities, especially in the Yangtze River Delta and Pearl River Delta. But for most third-and fourth-tier cities, it still takes time to repair market sentiment. The overall market performance of September 9- 10/0 this year may be better than that of July-August, but compared with the same period last year, the market performance may still have a long way to go. " Chen Wenjing said.