Let the speculators have to go to the city without returning, and call everyone to buy a house!
Changsha, which is known as a "model student of regulation and control", Haikou has been strongly restricting purchases since 18 years, and Beijing, which is ultra-strict in the recognition of second suites, have all changed their attitudes this year.
Changsha directly "stripped naked".
On April 18, Changsha City bought houses in the whole city and no longer reviewed the qualifications of home buyers——
It doesn't matter who you are, as long as you have money, you can buy a house as much as you want.
Previously, Changsha implemented a 17-year purchase restriction policy, stipulating that non-registered households in the city were limited to purchasing one new house.
If you want to buy a second home, you need to meet the following three conditions at the same time:
- Changsha household registration for two years (foreign household registration is prohibited from buying a second house);
- The first home has been signed online for 4 years (meeting the sales restriction conditions);
- Married families, or divorced families with minor children (for family units only).
The harsh conditions discourage speculators across the country.
With the abolition of this implementation for 7 years, which can be called the most stringent purchase restriction policy in history, Changsha also has a series of related supporting policies.
1. Adjust the control of balcony area, and the comprehensive gift area will reach 30% - the room rate of new houses can reach 100%;
2. Adjust the amount of provident fund loans - up to 800,000 yuan, 900,000 yuan for three-child families;
3. Vigorously promote the "old for new".
Changsha said,
Don't pretend, I'm in a showdown. Come to my bowl!
Haikou began to take drastic medicine.
After a lapse of 6 years, individual industrial and commercial households and enterprises have regained the qualification to buy houses.
Under certain conditions,
The treatment of individual industrial and commercial households is the same as that of local residents (one family can buy two houses, and those with many children can buy one more house).
Enterprises can purchase more than 10 residences at a time.
This condition is not harsh either.
Taking individual industrial and commercial households as an example, it is sufficient to meet the conditions of being registered in Hainan Province and having been established for one year or more, and paying taxes of 10,000 yuan or more in Haikou in the previous year.
In January this year, the new policy stated that in the core area of Haikou, non-residents need 5 years of social security or individual income tax, and non-core areas need 2 years of social security.
This new policy is equivalent to tearing open the opening of the purchase restriction again.
It is entirely possible for individuals to buy houses through individual industrial and commercial households to break the purchase restrictions and obtain the qualifications to buy houses more quickly;
Haikou said,
We're just a fig leaf, and everyone is here to give some face.
Big brother Beijing, shot four times a month.
First, the provident fund policy was adjusted twice.
Then there is the abolition of the purchase restriction policy of "no house purchase in Beijing within 3 years of divorce".
Immediately afterwards, the policy was eased again:
If a Beijing couple divorces and does not have a house in their name, it is calculated according to the first set of qualifications and the first set of loans, that is, if they buy a house in the six districts of the city/non-six districts, the interest rate will be reduced from 4.55%/4.5% to 4.05%/3.95%, and the down payment ratio will be reduced from 50%/40% to 30%.
In the past, Beijing was not only ruthless to outsiders, but also to its own people.
What kind of divorce to break the loopholes of the purchase limit for everyone to plug to death, the previous Beijing implementation of the divorce less than a year ago to identify the second home loan, in 2017 "317" series of new policies.
If you want to buy a house in Beijing, it is as difficult as a sky.
Now, Beijing, which has introduced a package of policies to lower the threshold for buying a house, said,
Come on! It's time to give the bachelors of the imperial capital a home.
once
These cities with the strictest purchase restrictions make property speculators either trapped directly in the city, or can only stop and sigh outside the city.
Now, these cities are opening their arms to buyers again!
I can't hold it anymore.
It has been said that
There is no need for Changsha to let go at all.
As one of the cities with the least dependence on land, Changsha has always had nothing to fear.
Changsha's manufacturing industry has always been strong, and Zoomlion, Sany Heavy Industry, and Valin Steel are all supergiants in the industry. Its construction machinery industry is more bullish, the scale ranks first in the country for more than ten years, the output value accounts for 30% of the country's total, like what boom pump trucks, large-tonnage crane trucks, these construction industry commonly used big guys, basically from Changsha.
Changsha's tertiary industry is the envy of other city residents.
For example, Changsha's "foot culture" has developed to the pinnacle of human history. As early as 10 years ago, there were 15,000 foot bath shops in Changsha, more than the four cities of Beijing, Shanghai, Tianjin and Chongqing combined, and it was a proper "first world".
There is also a pleasant tea that young people love to drink, and how many people do not hesitate to fly over most of China to drink such a cup.
In recent years, Changsha's tax revenue has accounted for more than 70% of the general public budget revenue.
The strong manufacturing and service sectors are the fundamentals of Changsha.
At the same time, when other countries are engaged in infrastructure construction, the Changsha government is also very restrained.
For example, Changsha's subway is only more than 200 kilometers long, and Chengdu, Wuhan and Hangzhou are also provincial capitals, and the subway mileage is more than twice that of Changsha. There is also the urban interface of Changsha has always been very old, and like Hangzhou, the government has spent 100 million yuan to relocate the façade of the house in the past two years.
But in recent years it has been different.
In 22 years, the proportion of Changsha's tax revenue fell from 74% to 70%. In the first half of '23, general public budget revenues fell by 2.49% year-on-year.
In addition, Changsha's dependence on land finance is increasing, from 50% in the past to 80% now, while government fund income has been declining in the past two years, such as 14% year-on-year in 22 years.
Now more than ever, Changsha relies on land finance.
Second, the market is really so bad that it is unnecessary to limit purchases.
In 2023, the new supply of commercial housing in Haikou will be 1,643,600 square meters, a year-on-year decrease of 28.79%. The transaction volume was 2,033,700 square meters, down 3.97% year-on-year, and the recent transaction shows that the monthly transaction in Haikou has weakened, and the transaction volume in Haikou has fallen below 100,000 square meters in December.
This year, Haikou opened only 28 times, down 41.67% year-on-year, and the overall sales volume was 5,916 units, down 21.10% year-on-year.
The price of new homes in Haikou is also falling.
In February this year, a total of 9 real estate projects in Haikou are declining, such as the well-known Haifu Compound, Poly Hesong, Jixiang No. 6, and Oriental Ocean No. 1, all of which are on the list of price reductions.
Among them, there are more than 10 buildings in the second and third phases of Haifu Compound, and nearly 1,900 units have been recorded, accounting for about 60% of the total.
The prices of 383 units in Xinyuan No. 2, 332 units in Jixiang No. 6, 310 units in Poly Hesong, and 140 units in Yangjiang Garden are all decreasing.
Beijing is also trading price for volume.
In the second-hand housing market, for example, the transaction volume of an intermediary store in Chaoyang District increased by 10% in March, and the transaction price fell by 15% year-on-year.
The same goes for the new home market.
The guide price of 66,000 yuan/㎡ Zhuxinzhuang subway station Zhonghai Huanyu, the actual opening price is between 5.8 square meters and 64,000 yuan/square meters;
The guide price is 64,000 yuan/㎡ in Yongding Jiuli, and the actual selling price is only 52,000 yuan/㎡;
The actual price of Nanyuan Xingong Subway Station with a guide price of 78,000/㎡ is 68,000/㎡, which is 10,000/㎡ lower than the guide price at the opening;
The guide price of Jingxirun Mansion is 45,000 yuan/㎡, and the actual selling price is only 3.8-39,000 yuan/㎡.
At present, the willingness of Beijing residents to buy a house is still not high, and most buyers are still in a wait-and-see mode.
The market has been on the downside, and there is no point in restricting purchases.
In the long run, the relaxation of purchase restrictions is to grab people.
As mentioned above, the relaxation of purchase restrictions is for the sake of land finance.
Needless to say, Beijing has a variety of income sources and is not highly dependent on land finance. A series of policies, one is to support the market, and the other is to play an exemplary role as a leading city.
But now, except for a few cities, even Changsha has to rely on land finance. Therefore, the purchase restrictions must be relaxed, so that demand can pour in, so that it is possible to hold up the new housing market, and then feed back the local auction market.
Second, in order to build a bottom for the market.
At the moment, the market is still not finished.
In addition to Beijing, Changsha and Haikou, news that the market continues to decline is still coming from many cities.
For example, Hangzhou, a strong second-tier city, is facing a new market inflection point.
The new housing market began to carry out promotions, Liangzhu new projects appeared to work to the house, and Yuncheng new projects launched special orders, all of which were sold at prices lower than the limit price, equivalent to 88-93% off the price limit of new houses.
The price war has begun. If the previous strict purchase restrictions are maintained, the price war will only become more fierce.
In the long run, competing for talent is the real purpose of major cities!
In this situation where the cake is not big, if you want to get more cakes, you have to grab it.
Provincial capitals go to other cities to grab people, second-tier cities also have to grab people, and finally first-tier cities have to be helpless.
In 22 years, Changsha had the largest population increase in the country, and in 23 years it fell to the seventh place. At the same time, the population of Changsha increased by 91,800 in 23 years, but the province decreased by 360,000.
Obviously, Changsha's population attraction as a core city in the central part of the province is weak, and other cities in the province are moving outside the province.
For example, the population of southern and western Hunan is more willing to go to the area of Shenzhen, Guangdong than to Changsha. According to statistics, among the migrant population in Shenzhen, Hunan has the highest proportion, accounting for more than 9% of the total population.
Even the people of Hunan say,
In Shenzhen, you can find more authentic Hunan restaurants than in Changsha.
Nowadays, the purchase restrictions in Shenzhen have been relaxed, and the 120 square meters in Guangzhou are directly unlimited, and the atmosphere of grabbing people is getting stronger and stronger.
There are also old rivals from the north, Wuhan, Changsha, and Wuhan, the first city in central China that have been fighting for so many years, and the population of the two places is unknown. Just last year, Wuhan lifted purchase restrictions.
Changsha must move, otherwise the Hunan people will have to run out!
It's the same with Haikou.
Hainan Island's special geographical location is destined to not have a large inflow of population. At the same time, compared with Hainan, the Pearl River Delta has a greater siphoning effect on population and capital.
In terms of policy, the zero tariff under Hainan's "customs closure" policy will attract a large number of enterprises to settle in Hainan. At this time, Haikou's relaxation of housing purchase for enterprises and self-employed industrial and commercial households is to show sincerity and attract capital.
At the same time, it will be more difficult for Hainan to settle down after the "customs closure", and in order to make up for the losses in this regard, new policies will also need to be introduced to attract population inflow.
In the past decade, Haikou's first place has increased by only 2%.
As a major tourism province, Hainan is more interested in Sanya than Haikou. For example, people in the Northeast have developed the habit of going to Sanya for the New Year over the years.
Under internal and external pressure, Haikou has really to work hard to attract investment and population.
Recently, there have been some rumors -
After the holiday, the four first-tier cities of Beijing, Shanghai, Guangzhou and Shenzhen will also gradually cancel purchase restrictions.
Although the news is not accurate at all, as mentioned above, in the future, the relaxation of purchase restrictions will be the basic demand of every city, and the relaxation of national purchase restrictions will continue.
In the future, each city will fight for whose policies are more thorough, whose industry is more developed, whose economy is stronger, and who is more attractive to the population.
As a result, the strong will continue to be strong, the weak will continue to weaken, and the differentiation between cities will become greater and greater.
Only the cities that survive this round of competition will have a real estate market!
Please click
Enter a description of the image (maximum 18 words)