The policy of price differentiation is not uniform

According to the housing price data released by the National Bureau of statistics on September 18, 69 of the 70 large and medium-sized cities saw a year-on-year increase in the price of new commercial housing, but the main increase was in the first tier cities and some second and third tier cities Corresponding to this, on the same day, according to the third quarter depositor questionnaire report released by the people's Bank of China, 67.6% of the residents in the third quarter thought that the current house price was "high and unacceptable", an increase of 0.9 percentage points over the previous quarter, of which 77% of the residents in the first tier cities thought that the house price was too high, and the residents' feeling of high house price was stronger than that in the second and third tier cities Analysts believe that at present, the price of the first, second and third tier cities in China has shown a trend of differentiation Under the background of the gradual stabilization of the macro-economy, the real estate policy needs long-term mechanism The fund situation of developers is better than that of previous central bank survey reports For next quarter's house prices, 35.8% of residents expect "rising", 45.2% of residents expect "basically unchanged", 6.5% of residents expect "falling", and 12.5% of residents "can't see" Ms Li, who has just worked in Shanghai for three months, is ready to fight She told reporters that because the accumulation fund has not been fully paid for half a year, only commercial loans can be applied for, and the cost of repayment is very high "Even so, we can't wait any longer House prices are rising day by day, which is far higher than the cost of repaying the loan Coupled with the increasing tension of the bank's loan line, I don't know if I can get the preferential interest rate in the future " Market analysts also generally believe that in the traditional peak sales season from September to October this year, the prices in the first tier real estate market will remain high Zhang Dawei, director of the Central Plains real estate market research department, said that most real estate companies are not willing to miss the golden sales season of the real estate market, and intend to push intensively during this period In addition, the reappearance of local "Diwang" leads to demand panic and increased enthusiasm for entering the market Zhang Dawei thinks: "at present, the fund situation of developers is better than that of previous years In this case, the pressure of price rise in first tier cities is great." According to the data of Zhongyuan Real Estate Market Research Department, before half of this year, the financing amount of ten benchmark real estate enterprises including Vanke, rongchuang and Longhu has exceeded 45.96 billion yuan at home and abroad, up 75.6% from the first half of 2012 "In the current situation, it is expected that the real estate market policies will be polarized, the policy of overheated cities may be further tightened, and supportive policies may be issued in regions with a cold real estate market 1、 Second tier cities still have the possibility of tightening policies before the end of the year " Zhang Dawei said In fact, there have been new trends in property market policies in recent years Beijing's house prices have maintained a high growth rate of nearly 20% year-on-year for several consecutive months, and the growth rate on a month on month basis has not seen a significant decline In this context, Beijing took the lead in introducing the measures of "limiting house price and competing for land price" nationwide Meanwhile, it further tightened the approval of real estate pre-sale, and directly intervened in the sales price of development enterprises In addition to Beijing, Nanjing issued policies to clarify the timetable for state-owned enterprises to withdraw from the development of commercial housing; Zhengzhou further tightened the purchase restriction policy to explicitly require single people under the age of 20 to stop buying houses Some have tightened policies, while others have loosened the real estate market: Wenzhou, where house prices have fallen month on month in a row, took the lead in fine-tuning its purchase restriction policy, easing the restriction that local households with registered permanent residence can only buy one new house to two Shenzhen real estate market, which once led the national housing price, has also proposed new policies to relax the threshold of tax preference for ordinary housing, in order to allow more small or low-priced ordinary housing to enjoy the tax preferential policies, so as to encourage the demand for rigid self housing In addition, many third tier cities, such as Wuhu and Zhoushan, have also adjusted the real estate restrictions that have been introduced, either explicitly or secretly, to pave the way for reducing inventory and restarting the real estate market The tightening of housing loan affects the market trend Zhang Dawei believes that the recent tightening of housing loan of many banks, even the suspension of housing loan business by some banks, will also have a certain impact on the market The reporter recently visited a number of business outlets of commercial banks in Beijing and found that some banks have indeed suspended their personal housing loan business, and some of the four state-owned banks are still operating housing loan business, but some said that "it will not be handled until the fourth quarter, because the quota is used up" Hu Jinghui, vice president of Weiye I love my family group, thinks that although the peak sales season is coming, due to the gradual weakening of bank loan preference, Beijing Provident Fund loan has been tightened again since August, and Guoguan provident fund loan has almost stopped Affected by this, the market transaction volume may be slightly reduced Chen Guoqiang, vice president of China Real Estate Association, said that the impact of the tightening of housing loans on the market is difficult to quantify, which depends on several factors: the degree of tightening of housing loans in various banks, the situation of developers giving profits and the willingness of buyers to buy houses.