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(Picture from Hailuo) Source Wind Wande
The news of the property market is overwhelming.
On May 16, National Development The Reform Commission wrote in Seeking Truth that it is necessary to accelerate the construction of a new model of real estate development and promote the development of the real estate market Stable and healthy development 。
On the same day, the new policy information of the property market was released in many places, involving Shenzhen, Beijing, Hefei, Wuxi, Changzhou, Dali and other cities.
Driven by the above news, the A-share and Hong Kong share real estate sectors strengthened collectively.
// Shenzhen second-hand housing inter-bank "transfer with pledge" //
According to the Securities Times, on May 15, the Shenzhen Provident Fund Center disclosed that in order to better meet the rigid and improving housing needs of citizens and further improve the service level of housing transaction facilitation, the center can provide the inter-bank "pledge transfer" capital supervision service of second-hand housing for free, which realizes that both buyers and sellers of commercial housing can apply for loans in different banks, The seller can complete the transfer without paying off the loan in advance, and the buyer's loan bank will directly issue new loans to repay the seller's original loan.
The relevant person in charge of Shenzhen Provident Fund Center said that the inter-bank "transfer with pledge" business is actually a bridge with credibility between the lending banks and the trading parties. The provident fund center provides inter-bank "transfer with pledge" capital supervision services, which can guarantee the capital safety of both parties in the housing transaction process, and establish a trust fulcrum for different banks to handle "transfer with pledge" business.
// Major changes in Beijing's housing loan policy //
On May 16, Beijing News Shell Finance reported that if the query result fed back by the relevant system of the Beijing Housing and Urban Rural Development Commission was "deemed to be the second house purchase (outside the fifth ring road)", the second personal housing loan policy should be followed.
At present, Beijing Branch of a large state-owned bank has begun to implement relevant policies.
China Securities Journal reported on the same day that, At present, the loan interest rate of the first house in Beijing is 4.05%, and the loan interest rate of the second house is 4.55%.
// Hefei housing loan interest rate cut //
According to the Securities Times, the Notice of Hefei on Further Adjusting and Optimizing Real Estate Policies and Measures was issued late on May 15.
According to the notice, this policy adjustment includes 10 aspects, namely, implementing housing purchase subsidies, optimizing sales policies, promoting the circulation of second-hand housing market, supporting "selling the old and buying the new", promoting housing ticket placement, increasing the amount of housing provident fund loans, dynamically adjusting the interest rate of new housing loans for the first set of housing, optimizing the identification standard of personal housing loans for the first set of housing, increasing the supply of improved housing Increase the supply of affordable housing.
This notice also added the measure of "dynamically adjusting the interest rate of the first housing loan newly issued", which requires that the lower limit of the commercial personal housing loan interest rate of the first housing should be cancelled in a timely manner according to the procedure when the sales price of the new commercial housing meets the dynamic adjustment conditions of the individual housing loan interest rate policy for the first housing newly issued. At the same time, we optimized the criteria for identifying the first set of housing loans, stipulating that only the housing conditions of the county (city), district and development zone where the house purchased by the house purchasing family is located should be verified, and if there is no house, it should be identified as the first set of housing.
// Changzhou and Wuxi cut mortgage interest rate //
According to the disclosure of the Financial Associated Press on May 16, the information of many banks in Changzhou shows that the interest rate of the first house loan has dropped to 3.25%. Previously, the interest rate of Changzhou's first house was 3.45%, which recently dropped to 3.25%; The identification of the first house mainly depends on the applicant's housing loan in Changzhou.
The interest rate of the first house loan in Wuxi has dropped to 3.45%. A staff member of the housing loan department of a branch of a large bank in Wuxi said that the interest rate of the first house loan has dropped to 3.45%, and the down payment rate of the second house has dropped to 4.25%.
// Yunnan Dali encourages purchase of stock houses //
According to China Securities News, on May 16, Dali introduced "17" measures in the property market, proposing to accelerate the construction of urban housing security system focusing on affordable rental housing.
The new policy clearly encourages the purchase of stock houses as indemnificatory rental housing or talent housing. For counties and cities and Dali Economic Development Zone where the cycle of residential commercial housing deconstruction exceeds 24 months, no indemnificatory rental housing will be built except for the internal supporting facilities in the industrial park and towns far away from the county (main urban area).
//A-share and Hong Kong share real estate sectors strengthened collectively//
On May 16, A-share stabilized and recovered, and the Shanghai Stock Exchange Index rose 0.08% to close at 3122.40; Shenzhen Composite Index rose 0.21% to close at 9604.13; The GEM index rose 0.29% to close at 1844.21, with a total turnover of 850.3 billion yuan.
The real estate sector staged another batch limit increase. The real estate sector rose by 3.55%, ranking first. Special development service 、 Rongsheng Development Such multiple stocks may rise by more than 10%.
Hong Kong's Hang Seng Index rose 1.59% to 19376.53 points, the Hang Seng Science and Technology Index rose 0.76% to 4072.15 points, the Hang Seng China Enterprise Index rose 1.93% to 6871.38 points, the Hang Seng Hong Kong Chinese Enterprise Index rose 1.05% to 3997.28 points, and the market traded HK $204.899 billion.
Real estate stocks also rose sharply, with Longhu Group up nearly 11%, leading the blue chip market, Sino Ocean Group up more than 46%, and Vanke up nearly 16%.
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Editor in charge: Wang Han
