The state has once again spoken out in support of real estate, releasing 6 major signals, and the first batch of white lists of real estate companies will be landed

The pace of state support for real estate is accelerating, and there are still many problems to be faced and solved in real estate in 2024, but more importantly, how to support real estate project financing and support home buyers. From January 24 to 26, the People's Bank of China, the State Administration of Financial Supervision and Administration and the Ministry of Housing and Urban-Rural Development respectively stated that the specific policies of the state to support real estate will be implemented.

Some of the current conditions of real estate and the direction of future support have conveyed some information, which has very important positive significance for real estate.

1. Emphasizing the important position of real estate, it is incumbent on financial support to real estate.

On January 25, the State Administration of Financial Supervision and Administration set the tone on the current situation of real estate, saying that the real estate industry chain is long, involves a wide range, has an important impact on the national economy, and is closely related to the lives of the people.

There is no need to elaborate too much on the important position of real estate, as we all know, real estate has a wide range of impacts, related to the development of dozens or even hundreds of industries, and even affects the employment of many people. Therefore, it is a matter of course to ensure the stable and healthy development of the real estate market.

2. Cities take the lead in promoting the establishment of an urban real estate financing coordination mechanism.

The Ministry of Housing and Urban-Rural Development and the State Administration of Financial Supervision and Administration have both stated that they will accelerate the implementation of the urban real estate financing coordination mechanism, and under the city-led coordination mechanism, in accordance with the principle of fairness and fairness, the list of real estate projects that can be given financing support will be pushed to financial institutions within their respective administrative regions.

There is a mechanism with a leading body, and there is also a responsible body, and the implementation of weekly scheduling and monthly notification will be implemented, so as to promote the financing landing more quickly, so that the gap of funds for real estate enterprises is not only at the policy level, but also quickly to the landing level.

3. Meet the reasonable financing needs of real estate enterprises with different ownership systems without discrimination, and the white list will be implemented at the end of January.

Both the Ministry of Housing and Urban-Rural Development and the People's Bank of China have stated that they will meet the reasonable financing needs of real estate enterprises under different ownership systems and promote a virtuous cycle of finance and real estate. The central bank also said that it is necessary to extend and implement the "16 financial support" policies for real estate, effectively expand the financing channels for private enterprises and increase the scale of financing.

The concept of non-discrimination will not be repeated here. It can be seen from the tone that financial support is not aimed at real estate enterprises, but distinguishes between groups and projects, and all localities should take the project as the object and pay close attention to the study and propose a list of real estate projects that can give financing support. According to the Ministry of Housing and Urban-Rural Development on January 26, before the end of January, the first batch of projects will be able to obtain loans after the landing, which can more accurately and effectively support reasonable financing needs.

As a capital-intensive industry, real estate is very sensitive to funds, and if funds can be accelerated, it is a great confidence support for both real estate companies and home buyers, which can promote the gradual improvement of the real estate market.

4. Give urban real estate regulation and control autonomy, and adjust real estate policies according to local conditions.

On January 26, the Ministry of Housing and Urban-Rural Development said that in order to adapt to the new situation of major changes in the relationship between supply and demand in the real estate market, adhere to the city-specific policy, precise policy, and one city policy, make good use of the policy toolbox, and fully give the autonomy of urban real estate regulation and control, and cities can adjust real estate policies according to local conditions.

This also means that all localities will be more independent to determine new policies in combination with local conditions, and in the short term, especially in first-tier cities, which are in the spotlight, it is still necessary to adjust and optimize existing policies in combination with the actual situation, which will also play a leading role in the national property market. In the long run, a new mechanism for the linkage of people, housing, land and money will be established, a new model of real estate development will be explored, and the stable and healthy development of the real estate market will be promoted, so that real estate participants can achieve a virtuous circle.

5. Reduce the threshold and cost of buying a house, which is good for rigid demand and improved demand.

According to the State Administration of Financial Supervision and Administration, it is necessary to further optimize the personal housing loan policies such as down payment ratio and loan interest rate according to the city's policies, and guide and urge banks to better serve the financing needs of the masses of people for rigid and improved housing.

I think that no matter how the policy is formulated, the home buyer is the ultimate payer, so the market can only circulate if it is good for them. In addition to lowering the threshold for buying a house, it is more important to reduce the cost of buying a house, in addition to the loan interest rate, is there anything that can stimulate their purchasing power, you can discuss more and listen to their needs.

In short, if the property market wants to be good, it is necessary to let the buyers be good, from the determination and strength of the state to support real estate, it can promote the improvement of the real estate market to a certain extent, but it still needs to make more profits.

6. Rectify the order of the real estate market and safeguard the legitimate rights and interests of buyers.

The Ministry of Housing and Urban-Rural Development also stressed that it is necessary to rectify the order of the real estate market, rectify the chaos in real estate development, transactions, intermediaries, property and other aspects, expose typical cases of violations of laws and regulations, and effectively safeguard the legitimate rights and interests of the people.

This policy is too closely related to the people, and it must be rectified with a heavy fist, not only so that the people will no longer be deceived and disturbed, but also to ensure their quality of life.