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The author:(作者)qqpublished in(发表于) 2013/11/27 9:14:23 Changsha will raise two mortgage downpayments
18-tone is set against the backdrop of the third plenary session, government regulation for the real estate market is starting to upgrade. Following Beijing, Shanghai, Guangzhou, Shenzhen and other cities after the regulation to up the ante, the storm began to spread to second-tier cities, Wuhan, Xiamen, Nanchang, Shenyang, Changsha and Nanjing have joined the controlling force.
On November 26, the Changsha Municipal Government Office announced that identified a further four of the strict implementation of the national policy on real estate market regulation measures. Among them: increasing ordinary commodity housing and land supply, further raising downpayments of second homes, loans and guide the rational pricing of real estate development enterprise, promoting the construction of affordable housing projects.
Policies home prices rose unexpectedly, developer already has a hunch
For the property market in Changsha new regulatory policy, many developers already has a hunch. A few days ago, Cheung Sha Wan Ke "tomorrow, Changsha real estate event" ads, starting 2013 "wars".
"Entered in November, many urban policies were introduced, Changsha issued regulatory policies may not be irrational. "Vanke said Liang Zhu, head of marketing at Cheung Sha.
Analysis of the industry, the end of "surprise" regulation associated with home prices rose unexpectedly. NBS data showed November 18 October in 70 cities, cities of newly built commercial housing prices rose 69, including Beijing, Shanghai, Guangzhou, Shenzhen, prices rose by more than 20%. Many cities to complete the review of the control task very difficult, forced Government introduced emergency measures to stabilize the market as many expected.
Earlier announced price control target of Changsha, according to 2013 newly built commercial housing prices at urban residents ' per capita disposable income after deduction of consumer price increases in real terms. But as sales continue to remain high, Changsha has a dozen consecutive monthly rise in prices. "Due to Changsha and house prices are high, base is small, therefore ranked home prices rose more in front, Government pressure. "Hunan zhenye real estate company Deputy General Manager Huang Yi said, this time using administrative means to control the market, may not be irrational.
Policy interpretation of Changsha new version of Regulation No great novelty
But this time the "four" is published in the network, "simple", "moderate", "fuzzy" became truly feel in Changsha real estate sector.
"The new deal were nothing new in Changsha. "For the introduction of the" four ", Huang Yi looked calm.
In fact, with "six" compared to "four" policy, no new changes. "Increase the supply of ordinary commodity housing and land", and "promote the construction of affordable housing projects" is copying the "six" policy. "Further increase downpayments of second homes loans" and "Guide rational pricing of real estate development enterprise" both policies, also in the national six-"the responsibility system for improving the stability of prices" and "resolutely curb speculative investment home buyers" framework.
Changsha until these policies are being implemented. "For example, price guides, this one, before the Government is strictly defined, as a developer, when pricing is also consulting with the Government, but now is a form file. "Huang Yi believes that for the real estate market, the" four "launched, there will be too many substantial influence and change.
11 cities to upgrade regulation, "increase the supply of" cost round highlights
Strictly speaking, the wave began on October 11 of this regulation of Shenzhen, 18, the eve of the third plenary session of "deep eight" issued, lifted the property market regulation and "cut".
Since then, Beijing, Shanghai and Guangzhou were introduced "in Beijing's seven", "Shanghai's seven", "Spike six". Upgrade in first-tier cities policy played a demonstration effect, and at the end of November, spread to second-tier cities. November 22--just five days, Wuhan, Xiamen, Nanchang, Shenyang, Changsha and Nanjing have upgraded regulation, if has been upgraded as early as September 1, "sales order" Zhengzhou, upgrades the property market regulation of the city has reached 11.
Throughout this regulation, most of the city's new deal meant the still outstanding "limit loan, purchase, limit" of traditional measures. The margin loan, Shenzhen, Shanghai, Guangzhou, raised downpayments for second homes commercial loans to 70%. In terms of restriction, Shanghai, Guangzhou, Wuhan and other cities have raised non-Hukou households purchase "threshold."
In the view of many people, similar to the impact of higher second home downpayments will not be too great. "Those people who want to buy second homes would still buy it. ”
Beijing Zhang Dawei, Director of centaline property market research department believes that although this rule is not big, but refer only to limited compared to previous years, restricted credit, explicit reference to increase supply. For example, Beijing to quicken the construction of owner-occupied housing, completion of not less than 20,000 units by 2013 owner-occupied housing supply. Shenzhen, Guangzhou, Xiamen, Nanchang, also have said they would increase the intensity of market supply. Changsha pledged to establish medium and small unit Administration fast-track approval of ordinary commodity housing construction projects, land use, construction and launch of the accelerated project. Subsequent market is expected to cause increased supply changing the structural imbalance between supply and demand in the market.
Zhang Dawei said, although in the long term, return to the market is an inevitable trend of the property market, but in the short term, as part of the rapid rise in house prices in big cities, thus inhibiting policies continue to maintain and further raise is inevitable. Dawei Zhang believed that what might have more cities followed up, might be expected to have more than 20 cities in place tightening the control file.
Two sets of loans or down payment to 70%
For second mortgage down payments will improve much, real estate analysts may be 70% in Changsha. "The policies currently being implemented are two mortgage down payment two, if we raise reference to other cities have introduced policies, down payment percentage may be 70%. "Liang Zhu says.
A person close to the Government said that downpayments of second homes will be announced in the next few days. In this connection, Bank has also been confirmed.
"Just got a notification. "26th, head of China Construction Bank who is responsible for the mortgage business over the phone, the next line will meet soon to study, will increase how much down payment you want to look at the findings of the study. (Xiaoxiang morning news reporter Tang Kun)
十八届三中全会基调已定的背景下，政府对于房地产市场的调控也开始升级。继北京、上海、广州、深圳等一线城市调控加码之后，风波开始向二线城市蔓延，武汉、厦门、南昌、沈阳、长沙、南京相继加入到调控大军之中。
11月26日，长沙市政府办公厅发布消息，明确了进一步严格执行国家房地产市场调控政策的四条措施。其中包括：增加普通商品住房及用地供应，进一步提高第二套住房贷款的首付比例，引导房地产开发企业理性定价，推进保障性安居工程建设。
政策出台 房价涨幅超预期，开发商早有预感
对于长沙出台新的楼市调控政策，不少开发商早有预感。数天前，长沙万科就以“明日长沙房地产要出大事”的广告，启动2013年的“万团大战”。
“进入11月，众多城市调控政策相继出台，长沙出台调控政策也在情理之中。”长沙万科营销负责人朱亮说。
业内分析，多地之所以年底“突击”调控，与房价涨幅超预期有关。国家统计局11月18日公布的数据显示，10月份70个大中城市当中，新建商品住宅价格同比上涨的城市有69个，其中北京、上海、广州、深圳价格均同比上涨超过了20%。不少城市完成年度调控任务非常困难，倒逼多地政府出台紧急措施稳定市场预期。
年初，长沙公布房价控制目标，称要将2013年新建商品住房价格控制在城镇居民人均可支配收入扣除居民消费价格上涨后的实际增幅以下。但由于销售量的持续维持高位，长沙房价已经连续十几个月上涨。“由于长沙房价不高，基数小，因此房价涨幅排名比较靠前，政府压力较大。”湖南振业房地产开发有限公司副总经理黄艺表示，此时动用行政手段控制一下市场，也在情理之中。
政策解读 长沙新版调控没太大新意
不过此番“长四条”在网络上公布后，“简单”、“温和”、“模糊”成为长沙地产界人士的切实感受。
“长沙新政没有新意。”对于此次出台的“长四条”，黄艺显得很淡定。
事实上，与“国六条”相比，“长四条”的政策没有新的变化。其中“增加普通商品住房及用地供应”，以及“推进保障性安居工程建设”更是照搬“国六条”的政策。而另外的“进一步提高第二套住房贷款的首付比例”和“引导房地产开发企业理性定价”两条政策，也是在国六条“完善稳定房价工作责任制”和“坚决抑制投机投资性购房”框架之内。
而这些政策长沙之前一直都在执行。“例如价格指导这一块，之前政府是有严格规定的，作为开发商，定价的时候也是咨询了政府的，不过现在是将这一条形成了文件。”黄艺认为，对于房地产市场来说，“长四条”的推出，将不会有太多实质性的影响和改变。
11个城市升级调控，“增加供应”成本轮亮点
严格来说，本次调控的风潮始于10月11日的深圳，十八届三中全会前夕“深八条”的出台，拉开了楼市调控的“口子”。
此后，北京、上海、广州相继出台“京七条”、“沪七条”、“穗六条”。一线城市的政策升级起到了示范效应，并在11月底蔓延到二线城市。在11月22日-26日短短五天时间内，武汉、厦门、南昌、沈阳、长沙、南京相继升级调控，如果算上早在9月1日就已经升级“限购令”的郑州，对楼市调控进行升级的城市已经达到11个。
纵观本轮调控，大多数城市的新政大同小异，仍然突出“限贷、限购、限价”的传统措施。在限贷方面，深圳、上海、广州均将二套房商业贷款的首付比例提高到七成。在限购方面，上海、广州、武汉等城市均提高了非户籍居民家庭购房“门槛”。
在不少人士看来，类似提高二套房首付比例的影响不会太大。“有能力想买二套房的人还是会买。”
北京中原地产市场研究部总监张大伟认为，虽然本次各地细则力度不大，但相比往年只提及限购、限贷的情况，明确提到了增加供应。例如，北京市要加快自住型商品住房建设，2013年底前完成不低于2万套自住型商品住房供应。深圳、广州、厦门、南昌等地也纷纷表示将加大市场供应的力度。长沙也表示要建立中小套型普通商品住房建设项目行政审批快速通道，加快项目的供地、建设和上市。因此后续市场有望因为增加供应改变市场供需结构失衡。
张大伟说，虽然从长期来看，楼市回归市场化是必然趋势，但从短期来说，由于部分大城市房价快速上涨，因此抑制性政策继续保持并进一步加码也是必然。张大伟认为，接下来可能有更多的城市跟进，预计可能有超过20个城市出台收紧调控文件。
二套房贷首付或提至七成
对于二套房贷首付具体会提高到多少，长沙地产人士分析可能是七成。“目前正在执行的政策是二套房贷首付六成，如果提高的话，参考已经出台政策的其他城市，首付的比例将有可能是七成。”朱亮表示。
一位接近政府层的人士表示，二套房的首付比例将在数日内公布。这一点，也得到了银行方面的印证。
“刚刚接到通知。”26日，建行一位负责房贷业务的负责人在电话里表示，接下来行里会马上开会进行研究，具体将首付提高到多少要看研究的结果。(潇湘晨报记者唐琨)
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