Another provincial capital city "loosens" the property market! "Restricted purchase by foreigners" in Fuzhou's opening: the impact on the market will not be too great.
Today (March 30th), the reporter of China Business Daily learned from a number of intermediaries and real estate agents in Fuzhou that Fuzhou began to "loosen" the purchase restriction policy: from now on, families with non-five-city household registration (including Hong Kong, Macao and Taiwan) can buy a set of ordinary housing below 144 square meters in the five cities of Fuzhou without providing medical social security or tax payment certificates in the past two years or settling down. In other words, foreigners can buy a house in Fuzhou without having to settle down.
In this regard, the reporter consulted the Fuzhou Housing Management Bureau for the first time, and the relevant staff said, "The situation is true, and the purchase restriction has been relaxed these days."
In fact, Fuzhou is not the first provincial capital city to liberalize the purchase restriction this year. In March this year 1, Zhengzhou made it clear that families with second suites could buy a third suite again, which was regarded by the outside world as relaxing the purchase restriction in disguise. Prior to this, Harbin's new real estate policy clearly liberalized sales restrictions and became the first provincial capital city to officially liberalize sales restrictions.
Fuzhou City Architecture Image Source: vision china-VCG211308787791.
Outsiders can buy houses directly.
Specifically, families with non-five-city household registration (including Hong Kong, Macao and Taiwan) can buy a set of ordinary housing below 144 square meters in five cities of Fuzhou without providing medical social security or tax payment certificate or settlement in the past two years. In addition, Changle household registration is also a local household registration in Fuzhou, and buyers with Changle household registration can buy two houses in the five districts of Fuzhou.
Previously, Fuzhou's purchase restriction policy stipulated that households with foreign household registration (including Hong Kong, Macao and Taiwan) were required to provide medical social security certificates or personal income tax for 12 months accumulated in five districts of Fuzhou within two years.
The person in charge of Fujian regional marketing of a real estate enterprise told the reporter of National Business Daily that the relaxation of purchase restriction did not completely cancel the purchase restriction, but only simplified the link. After all, since the full liberalization of the settlement policy, there is basically no obstacle for foreigners to buy a house in Fuzhou, so the New Deal will not have much impact on the market.
"The difference is that Fuzhou originally implemented a zero threshold. As long as you work in Fuzhou, you can settle down. This time, it is nothing more than simplifying the settlement procedure, and this wave of customers can join. For example, some people with rural hukou do not want to settle in Fuzhou. " The person in charge of the above marketing said that if these people want to buy a house in Fuzhou, they will ultimately depend on the acceptance of the house price and the market, that is, whether the house is worth buying. After all, affected by the epidemic and other factors, the overall purchasing power of the market has dropped significantly.
"The main purpose of loosening the purchase restriction is to destock the five districts in Fuzhou, so that enterprises can withdraw funds as soon as possible and activate the market." Zhang Shujiao, head of regional research in Fuzhou, Ke Rui, said that this is only the first step, and the next step is to further liberalize the down payment ratio.
In fact, Fuzhou has previously lowered the down payment ratio of housing provident fund loans. Since February this year 1, the down payment ratio of the second application for pure housing provident fund loans has been adjusted from 50% to 40%; When applying for housing provident fund loans for the first time, the down payment ratio is 30%.
The decontamination cycle is nearly 20 months.
Since last year, many housing enterprises have defaulted on their debts or even "thundered" due to tight cash flow, which has aggravated the wait-and-see mood of buyers to some extent.
"Since the second half of last year, financial interest rates have been tightening, and it is not very friendly to buyers at the loan level. Although it is relaxed now, buyers still choose to wait and see. " The person in charge of the above marketing told the reporter that the cycle of commercial housing in the five districts of Fuzhou has reached nearly 20 months, and the situation of oversupply in the market is still obvious. "In this context, moderately relaxing the purchase restriction is conducive to the balance between supply and demand in the market and is more conducive to alleviating the structural pressure of supply."
According to the data of Ke Rui, by the end of February 2002165438, the generalized inventory of commercial housing in the five districts of Fuzhou was about 5,854,200 square meters, of which the inventory in Difengjiang, Sanjiangkou and Beiqu all exceeded 800,000 square meters, which was relatively high.
According to the data of the National Bureau of Statistics, from April to June last year 165438+ 10, the price of new houses in Fuzhou continued to fall and began to rise in February last year. However, in February this year, the price of new houses decreased slightly compared with that in June 65438+ 10.
The new housing market in Fuzhou has bottomed out since the second half of last year, and many properties have also launched some discount promotions, or exchanged prices by increasing distribution points. The person in charge of marketing said, "Most real estates mainly rely on distribution, but now there are many new sites, and some marketing points have reached 10%, but they dare not reduce their prices, so they can only be promoted through special rooms or work arrival rooms."
"Buyers always want to wait, maybe the price will be lower." According to the person in charge of the above marketing, almost half of the projects in Fuzhou have to rely on channels since last year. And the distribution commission is very high. For a house with a price of 6.5438 million yuan, the distribution platform may take part of it, but a large part will be returned to the customer.
"But if the distribution platform doesn't do this, it won't attract customers. It is common for some projects far away from the main city of Fuzhou, such as Langqi, Mawei and Gui Hu, to rely on high commission to help them melt. Others are similar to the southern section of Cangshan in Fuzhou. Because of fierce competition, some distribution points are as high as 5 points, generally around 3 points. "
Of course, Fuzhou also has some hot plates located in the central city. Because the supply of new houses is small and the demand is strong, the sales of new houses are relatively optimistic. It has also caused the polarization of Fuzhou property market: the external market is cold, and high distribution is used to stimulate sales; Good projects in the main city are better.
At present, Fuzhou has six districts of Gulou, Taijiang, Cangshan, Jinan, Mawei and Changle, and six counties of Minhou, Lianjiang, Luoyuan, Minqing, Yongtai, Pingtan and Fuqing.
According to the statistics of Jialin Market Research Center, the volume of commercial housing in the five districts of Fuzhou has not changed much in the past six weeks, with more than 2,600 sets; The transaction price has not changed much. The average transaction price last week was 2584 1 yuan/square meter.
The trend of volume and price of new houses in the five districts of Fuzhou in the past eight weeks Source: Lun Jia Market Research Center.
The land market continues to be deserted.
In Zhang Shujiao's view, the current Fuzhou market is still frozen to be unsealed, especially the land market is still deserted.
On March 16, the first round of centralized land auction in Fuzhou ended this year. 17 in the land auction, 3 cases were cancelled, 2 cases were auctioned off, 8 cases were sold at a low price, and only 4 cases were sold at a premium. Although the proportion of state-owned enterprises has further increased, the proportion of land acquired in this land auction is as high as 70%, but it has not reversed the decline of the land market.
As far as premium rate is concerned, the premium rate of the first batch of centralized land auctions in Fuzhou this year is only 4.42%. Although the auction of the two plots was cancelled, from the actual situation, the starting price was 65.438+07.508 billion yuan, and the actual transaction price was only 7.7 billion yuan, which was about 47% lower than the auction price of the third batch of centralized land last year.
"Although the credit side of the real estate industry has improved since September last year, it is an indisputable fact that local governments have strengthened the supervision of pre-sale funds, periodically adjusted the market, and slowed down the pace of de-chemicalization. The cash flow pressure of housing enterprises is still relatively high. The enthusiasm of private housing enterprises for land acquisition has not improved significantly, cash flow has continued to be under pressure, and private enterprises have continued to reduce investment. "
Zhang Shujiao said that whether the land market can pick up depends on whether the financial side can introduce funds into housing enterprises as before. After the Spring Festival, high-level officials constantly expressed their views on guiding real estate to a stable stage and bailing out housing enterprises. However, at present, the funding problem of risk-related housing enterprises has not really been solved.
"There is basically no private enterprise participation in the commercial housing land in Fuzhou this year." Zhang Shujiao told the reporter of the National Business Daily that from the second batch of centralized land supply to the third batch of land auctions last year, private housing enterprises basically disappeared, and occasionally private housing enterprises made rental houses and resettlement houses on the land.
The person in charge of the above-mentioned marketing told reporters that Fuzhou did not make any concessions on the price of local auctions, especially the land price of pure commercial housing has increased. Although there is a premium of 15%, the profit margin left by the starting price for housing enterprises is already very small. "For example, there are two very high-quality plots in Fuzhou East Second Ring Road, and the initial floor price is close to 30,000 yuan per square meter. Although the government has liberalized the sales guidance price, it is difficult to sell this price in the market at present, so many companies will cancel the tracking in the first round. "
Jaco, dean of 58 Anjuke Real Estate Research Institute Branch, told reporters that more cities will relax their purchase restrictions in the future. Judging from the pace of national regulation and relaxation, the pace of first-and second-tier hotspot cities is generally smaller, slower and more cautious, while the pace of third-and fourth-tier cities and some second-tier cities with high inventory is even greater. Relaxing the purchase restriction itself belongs to the policy type of excessive relaxation, and it is also an important policy to stimulate the market to improve demand and some foreigners put demand first. Once such a policy is introduced, it shows that the market pressure is too great and the internal demand for building market confidence is too strong.
However, Zhang Shujiao said that there are still game behaviors between buyers and sellers in the market recently, but due to factors such as external environment and internal market trends, buyers' wait-and-see mood will continue to increase. "It is expected that the phenomenon of real estate exchange for price will further spread to the central plate of Fuzhou."
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