One, two, three, soon after the beginning of the year, 3 big blockbuster news released!
The year of the tiger began, a number of "rescue" signals came out, and the property market in 2022 was stable!
According to the Financial Associated Press, the national supervision and management measures for the pre-sale funds of commercial housing have been formulated recently.
The amount of supervision of pre-sale funds is determined by the urban and rural construction departments at the city and county level according to factors such as the project cost contract, and when the funds in the supervision account reach the regulatory quota, the funds exceeding the quota can be withdrawn and used by housing enterprises.
In this way, the pre-sale fund supervision rules themselves and specific implementation can be relaxed to a large extent, which will undoubtedly reduce the burden of enterprise funds to a certain extent, and some enterprises will also have a certain amount of capital margin to repay debts, so as to avoid causing a wider range of debt defaults and threatening the stability of the financial system.
In other words, if the news is true, it is equivalent to giving some developers valuable life-saving money. The real estate industry will usher in substantial benefits!
At the same time, the central bank also stated that affordable rental housing loans are not counted in the "two red lines".
This policy means that the monetary base of the property market will be more relaxed - "two red lines" have tightened the upper limit of the proportion of real estate loans issued by banks, and now that the affordable rental housing loans are excluded, these amounts can be issued to commercial housing projects.
The policy is not only conducive to the construction of affordable rental housing, but also conducive to the moderate growth of commercial housing loans. In other words, on the one hand, it is conducive to stabilizing medium- and long-term housing prices. On the other hand, it is good for new houses, and the future will not squeeze out commercial housing loans.
In addition to "rescuing" housing enterprises and helping developers tide over difficulties, the beginning of 2022 has also ushered in many good news for buyers.
First, the mortgage interest rate in many cities across the country is constantly decreasing, and the cost of buying a house is still falling.
On January 20, the central bank officially announced a rate cut, and the LPR with a maturity of more than 5 years was lowered from 4.65% to 4.6%, and the official mortgage cost was reduced. Subsequently, major banks have also followed suit, and interest rates have continued to fall.
In Huizhou, there have even been cases of interest rates that have been drastically reduced by 100 basis points, which is surprising.
According to the latest survey, the interest rate of the first home loan in Xiamen is currently 4.9%, and the interest rate of the second home loan is 5.4%. Compared with the previous lending cycle of 3 months or even half a year, it is now shortened a lot, and individual banks can even lend money in the same month.
Second, some cities have been loosened by the price limit, and some cities have housing subsidies.
Among them, Huizhou, Guangdong, recently broke out that it is not only necessary to engage in talent purchase subsidies, but also to increase parking spaces to inventory, group purchase discounts, deed tax subsidies.
Although it is still only a "draft opinion", it is not a new deal. But it is also true that the official attitude can be seen.
On February 10, the central bank released its January 2022 financial statistics report.
Data show that in January, the increase in social financing was 6.17 trillion yuan, a record high. In January, there were 39,800 new RMB loans, which is expected to be 3.7 trillion yuan; the growth rate of M2 also jumped to 9.8%, which is expected to be 9.2%, far exceeding expectations!
All kinds of signs show that "wide money" is becoming "wide credit", enterprises are beginning to be willing to lend, and the year-on-year growth rate of broad money M2 and the year-on-year growth rate of social financing stock are accelerating and rebounding!
In this case, industry experts said that the future real estate regulation and control policy must and is expected to further pick up.
So, does the three-pronged approach mean that the spring of the property market is beckoning?
In fact, whether it is the recent policy or the frequent statement of some time ago, to ensure the healthy development of the industry, it is actually correcting deviations. The property market, can not be too hot, but also can not be too cold.
And once the market has overheated signs, regulation will come immediately.
Specifically looking at Xiamen, the current Xiamen market is in a stable period, housing prices are relatively stable, and the market supply is diversified and sufficient. We are in a stable and healthy market environment.
This is undoubtedly beneficial for owner-occupied home buyers.
In this environment, instead of looking forward to the leap of assets through buying a house, it is better to choose the best target according to your own needs.