On the 15th, the first housing "trade-in" activity in Guangzhou, Guangdong Province was launched in Huadu District. The event aims to break down the tripartite barriers between real estate development enterprises, intermediaries and house changers, and accelerate the conclusion of transactions. According to incomplete statistics, at present, more than 60 cities or regions across the country, including Shanghai, Shenzhen, Qingdao, Nanjing, etc., have begun to support the "old for new" housing policy. What are the differences in relevant policies from place to place? What are the innovations that are worth further promoting?
Housing "trade-in" There are different patterns from place to placeAt the beginning of April this year, Liangxi District, Wuxi City, Jiangsu Province, launched a pilot project of "exchanging the old for the new" of commercial housing. On the evening of May 11, the first batch of more than 40 house changers completed the transaction. Mr. Zou, a citizen of Wuxi, is one of them.
Mr. Zou said: "If we want to sell our second-hand house, it will take a long time, and the 'trade-in' policy is very good for us, we can replace the old house and immediately go to a better house and live more comfortably." ”
△ Mr. Zou's old house (left) and Mr. Zou's model room of the new house (right)
The approach adopted by Liangxi District of Wuxi City is direct and clear. According to the detailed rules, within the scope of Liangxi District, the designated entity is responsible for repurchasing the residents' stock of second-hand commercial housing, and the residents purchase new commercial housing in the five designated real estate projects. The replacement of housing must be one-to-one, and a stock of second-hand commercial housing must be replaced by a new house, and the total price of the stock of second-hand housing shall not be higher than 60% of the new housing purchase. Handling Mr. Zou's order is also the "first time" for Yang Rongrong, the sales manager of the commercial housing project.
Yang Rongrong: Mr. Zou was the first transaction of our "trade-in", and after his house participated in the appraisal, he added 1.5 million yuan and won a 128-square-meter house. Up to now, all the "trade-in" on our side have sold more than 40 sets, with a conversion rate of 85%.
△ One of the 5 "trade-in" designated real estate projects in Liangxi District
According to incomplete statistics, since last year, more than 60 cities or regions across the country, including first-tier cities such as Shanghai and Shenzhen, have supported housing "trade-in".
■ Intermediary model for selling old housesIn these cities or regions, the most common "trade-in" model is the intermediary to help sell the old house, that is, the buyer first reaches the purchase intention with the real estate company, and then the intermediary agency uses online traffic tilt, offline focus on promotion and other ways to give priority to the sale of the old house, if the old house is successfully sold within a certain period of time, you can promote the new house purchase procedures in accordance with the process, otherwise the real estate company will return the buyer's intention money. At present, Shanghai, Shenzhen and other cities have adopted this model.
Taking Shenzhen as an example, in April this year, the Shenzhen Real Estate Association and the Shenzhen Real Estate Agents Association jointly launched a one-year "Xin Jia" activity, with the first batch of 13 new housing projects and 21 real estate agencies participating. Peng Shuang, marketing director of a real estate agency in Shenzhen, said that the "trade-in" project has achieved initial results.
■ Enterprise acquisition of old housing modelThe second model is the direct acquisition of old houses by enterprises, and the money from the old houses is used to purchase new houses in designated real estate, and the acquired old houses can be used as affordable housing, talent apartments, etc.
At the same time, Zhengzhou has adopted the model of "enterprises acquiring old houses" and the model of "intermediaries helping to sell old houses". Du Jingjing, a staff member of the second-hand housing acquisition team of Zhengzhou Urban Development Group, the main body of the acquisition, said that the purchase of new houses in these two ways can enjoy relevant deed tax subsidies before the end of the year.
△Zhengzhou real estate transaction service platform
■ "Old Insurance" modeIn the "Several Measures to Promote the High-quality Development of the Real Estate Industry in Zhaoqing City" recently issued by Zhaoqing, Guangdong, a unique model is proposed for the "old for new" housing: the holder of the stock of housing is handed over to the government for rent in the form of "old to insurance" (old house to affordable housing), so as to obtain a certain number of years of rent paid by the government-designated agency, and use it all for the purchase of commercial housing.
■Subsidy modelIn addition, many places also give certain housing subsidies or tax exemptions to residents who sell their own houses and buy new houses, and the current subsidy methods vary from place to place. Also in Jiangsu, Xuzhou will give a subsidy of 0.8% or 1.2% to eligible families who change houses according to the contract price of newly purchased commercial housing; Yangzhou will give a deed tax subsidy of no more than 1.5% for newly purchased commercial residences.
There is still room for optimization in the "trade-in" policyTo open up the chain of replacement of first-hand and second-hand houses and help real estate to destock, the "trade-in" of housing is undoubtedly an important starting point. Hu Yu, deputy secretary-general of Henan Business Economics Association and associate professor of Zhengzhou Institute of Engineering and Technology, analyzed that enhancing the liquidity of the real estate market will inevitably drive the development of many upstream and downstream industries.
Hu Yu: Through various measures to stimulate the vitality of the real estate market, let the real estate market drive the development of related industries - building materials industry, home improvement industry and other industries.
There is a view that, in contrast, the market response of the old housing repurchase model is relatively positive, while the intermediary sales model and the direct subsidy model currently need to be further observed to pull the effect of housing sales. In many cities, there is still some room for optimization in the "trade-in" policy of housing.
Li Yujia, chief researcher of the Housing Policy Research Center of the Guangdong Provincial Urban Planning Institute, believes that in the early stage of the implementation of the "old for new" housing policy in various places, it is important to find a mature model that allows all parties in the transaction chain to achieve a win-win situation as soon as possible.
Li Yujia: For the government, it is necessary to optimize the process, and mortgage transfer is a good breakthrough. If there is a mortgage transfer, the second-hand housing and the loan has not been repaid, you can also transfer the house, including the loan redemption, mortgage cancellation, transfer and mortgage and other processes can be completed in the background at one time.
Li Yujia also said that a strong platform needs to be built to establish a "trade-in" housing inventory. Only when everyone sees "real houses, real customers, and real prices" can we better match supply and demand and reduce the information cost of transactions. At the same time, tax and brokerage rates can also be reduced, and new home prices can be discounted, and the deal can be better brokered.
(Voice of China)