Abstract The “Central Edition†real estate loosening policy, which has received much attention, has officially landed. On the 30th, the central bank [microblogging], the Ministry of Housing and Urban-Rural Development, the Ministry of Finance, the State Administration of Taxation and other departments issued separate real estate policies to stabilize the property market growth, including the second set of down payment to 40%,...
The “Central Edition†real estate loosening policy that has received much attention has officially landed. On the 30th, the central bank [microblogging], the Ministry of Housing and Urban-Rural Development, the Ministry of Finance, the State Administration of Taxation and other departments issued separate real estate policies to stabilize the property market growth, including the second set down payment to 40%, the first home provident fund loan down payment to 20%, second suite The down payment for provident fund loans is reduced to 30%; in addition, individuals who sell for more than 2 years are exempt from business tax. At this point, together with the New Deal issued by the Ministry of Land and Housing and the Ministry of Housing and Urban-Rural Development, which had just landed last week, the central government has already placed three doses of drugs on the property market. According to industry insiders, the structural financial and fiscal policy ammunition of the stable property market has been launched, which is a targeted policy to avoid the decline of real estate inertia. The most obvious feature of real estate regulation is the two-pronged approach. The People's Bank of China [microblogging] and the Ministry of Finance stimulate demand by relaxing credit policies and fiscal and taxation policies to stabilize housing consumption and stimulate domestic demand. The Ministry of Housing and Urban-Rural Development has started from the supply side and has been optimized in the early stage. The policy of housing and land supply structure to control the situation of serious oversupply of housing land in second- and third-tier cities. On the 30th, the People's Bank of China [microblogging], the Ministry of Housing and Urban-Rural Development, and the China Banking Regulatory Commission issued the "Notice on Issues Related to the Personal Housing Loan Policy" to further improve the personal housing credit policy, support residents' self-occupation and improve housing demand, and promote The real estate market is developing steadily and healthily. Banking financial institutions are encouraged to continue to issue combined loans for commercial personal housing loans and housing provident fund entrusted loans to support households to purchase ordinary self-occupied housing. Among them, for households with one set of housing and the corresponding purchase loans are not settled, in order to improve the living conditions, apply for commercial personal housing loans again to purchase ordinary self-occupied housing, the minimum down payment ratio is 60% (70% in some areas) Adjust to no less than 40%.
At the same time, the above notice adjusted the provident fund loan, and the employee family used the housing provident fund to entrust the loan to purchase the first set of ordinary self-occupied housing, the minimum down payment ratio was 20%; for the paid employees who own 1 set of housing and have settled the corresponding purchase loan The family, in order to improve the living conditions, once again apply for housing provident fund entrusted loans to purchase ordinary self-occupied housing, the minimum down payment ratio is 30%.
At the same time that the People's Bank of China [microblogging] issued a new policy, the Ministry of Finance and the State Administration of Taxation also issued the "Notice on Adjusting the Business Tax Policy for Individual Housing Transfers", indicating that the business tax policy for the second suite transaction will be adjusted from March 31, business tax. The mark has been adjusted from the previous five years to two years. If an individual purchases a house that has been purchased for less than 2 years, the business tax shall be levied in full; however, if the individual purchases non-ordinary housing for more than 2 years (including 2 years) for external sales, the difference between the sales income and the purchase price of the house is reduced. Business tax is levied; if an individual purchases an ordinary house that has been purchased for more than 2 years (including 2 years), it is exempt from business tax.
Zhang Dawei, chief analyst of Beijing Zhongyuan Real Estate, said that the policy far exceeded market expectations, especially the second home down payment ratio was reduced to 40%. It is expected that local governments will introduce a more aggressive policy of loosening.
"A package of policies on real estate regulation introduced today will have an impact on real estate trends and expectations." Zeng Gang, director of the Banking Research Office of the Institute of Finance of the Chinese Academy of Social Sciences, said in an interview with the Economic Information Daily on the 30th that he is currently stable. Growth is a very important task, and the real estate industry is still a very important industry in the credit of Chinese financial institutions. The stabilization of real estate investment will have a positive impact on China's macro economy.
Zhang Qizuo, director of the G20 and the Development Strategy Research Center of the Emerging Countries, also said that China's current economy is mainly facing industrial overcapacity and overcapacity in real estate, and the two are each other for you. Therefore, it is necessary to stabilize the overcapacity of the two cities.
The industry believes that the introduction of the New Deal is expected to stimulate the sale of second-hand housing, but the real estate industry is still facing unprecedented "de-stocking", especially in some third- and fourth-tier cities, the inventory digestive cycle is even more than 60 months.
On the 27th, the Ministry of Land and Resources and the Ministry of Housing and Urban-Rural Development jointly issued the "Notice on Optimizing the Supply and Structure of Housing and Land Use in 2015 to Promote the Stable and Healthy Development of the Real Estate Market", requiring that there be supply, limited, and reasonable arrangements for housing and the scale of its land supply. Cities and counties with a significant supply should reduce the supply of residential land until the planned supply is suspended. At the same time, cities and counties with large real estate supply or large-scale real estate land under construction can study and formulate the conversion plan for undeveloped real estate land according to market conditions, and guide undeveloped real estate by adjusting land use and planning conditions. Land use transformation and utilization, used for the development and construction of project projects such as emerging industries, pension industry, cultural industry, sports industry supported by the state, and promote investment in other industries.
Yang Chi, a researcher at Huaxia Bank's Development Research Department, believes that the most obvious feature of this real estate regulation is the two-pronged approach. The People's Bank of China and the Ministry of Finance stimulate demand by relaxing credit policies and fiscal and taxation policies to stabilize housing consumption and boost domestic demand. The Ministry of Housing and Urban-Rural Development At the beginning, the policy of optimizing the supply structure of housing and land has been introduced in the early stage to control the situation of serious oversupply of housing land in second- and third-tier cities.
"How banks adjust their mortgage strategies will be the key to whether this round of real estate policies can really take effect." Yang Chi pointed out that considering the two factors of income and risk, banks cannot significantly increase the allocation of credit resources in the housing sector. From the perspective of income, in the context of interest rate marketization, bank debt costs have shown a clear upward trend. Due to the low yield of housing loan assets, it is not a key area for bank credit, and the credit line has been limited for a long time. From the perspective of risk, the balance and ratio of non-performing loans in the banking industry continued to rise. At the end of 2014, the non-performing loan ratio of commercial banks in China exceeded 1%, reaching a high of 1.25% in recent years. Although there is no large-scale risk event in the real estate sector, the potential credit risk cannot be ignored.
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