Within a week, Foshan began to punch and Yang Ma waved her whip.
A series of epic level benefits fell one after another, indicating that the effect is not seen.
However, there are directional concerns after a deep study, because almost all current policies focus on Let new people enter to buy houses, creating a lower threshold.
In the words of the Internet—— Pull new!
The Chinese people pay attention to the golden mean, and it is easy to get lost or break positions in the extreme, Merely pulling new ones will only hurt old users 。
The direction of Foshan's rescue, It is reasonable to give consideration to "promoting vitality" while "promoting innovation" , such as the following two, netizens are very popular:
① Reduce stock interest rate
② Transfer from landing business to business
01
Foshan saved the market
But it doesn't seem to have been completely revived
I believe that in the past few days, my family must have learned a lot about the market recovery.
Moreover, the news is getting fiercer and fiercer one by one. Home buyers run into the market and occupy the marketing center. Foshan seems to be back to the days of burning passion.
So congratulations, success has been brought into rhythm.
There is truth in the data.
From May 6 to December 12, 1104 new houses were sold in Foshan, up 69% month on month, covering an area of 124900 square meters, up 64% month on month.
After the "Foshan Thirteen Rules" came out, the new house online lot of the new week did not increase, but fell.
In addition, the transaction price has not risen, and more real estate enterprises still use the strategy of exchanging price for volume to grab customers.
Of course, the online sign data is lagging behind. From the perspective of some real estate sites, under the impact of the new policy, there are some buyers who are in high mood to see the house, but this does not represent the overall situation.
It may be decided in June whether the Foshan market will recover or cool down.
Some people in the industry exclaimed that "Thirteen Rules of Foshan" It is the most powerful, broadest, and most specific and comprehensive model of the combination of rescue boxing he has seen.
But it still hasn't brought immediate effect to the market.
Is it possible that the direction is wrong?
First of all, is Foshan short of housing qualification?
The answer is no, Foshan used to be eligible to buy houses by "T card", but by December 2022, it will have completely lifted restrictions on purchase.
In other words, an individual is qualified to buy a house in Foshan.
Secondly, is it difficult to settle in Foshan?
Since January 1, 2019, Foshan has no longer implemented the original home purchase policy.
In other words, it was impossible to buy a house before.
Apart from buying a house, Foshan's entry threshold is not high. You can apply for entry through points (four times a year), education, skills, and stable employment.
Different ways of entering the home focus on different conditions, and there is always one suitable for you.
Finally, are Foshan home buyers short of down payment?
Sir, times have changed.
What we lack is not the down payment, but the ability to ensure that we can repay the mortgage on time every month for 30 years.
Reducing down payment to 15% seems to be a good thing, but actually it increases leverage.
Admittedly, we can see the determination to save the real estate market now.
But if the direction is wrong, it will only shrink.
02
Reduce the pressure on the holders of stock houses
Is the key to activating the property market
Whether it is regulation or market rescue, there is almost no substantive impact on luxury residential customers, which is also due to their money capacity.
And the weakest just needed strength has been collected almost, and what should be bought has entered the market, and what has not been bought cannot be expected.
All eyes are on improvement, most of which belong to the group with houses waiting for replacement.
At present, the introduction of this series of combination fists has no real benefit for thousands of home buyers who are paying off their loans, and the monthly payment is not less than one cent.
In order to make the replacement chain rotate, there are also two major ways:
Big move 1: continue to reduce the stock interest rate
On May 20, the People's Bank of China announced the latest loan market quotation rate (LPR): 3.45% for 1-year LPR and 3.95% for 5-year and above LPR.
It hasn't changed for three consecutive months.
To be honest, today's LPR has not changed. In fact, it is very disappointing.
Reducing the stock interest rate has always been a high voice among house buyers in Foshan.
In particular, the basic interest rate of buyers who got on the bus at a high level in the past two years is more than 5%, and even the high interest rate of 6%.
At present, the first set of interest rate of mainstream banks in Foshan is 3.35-3.55%, and the minimum interest rate of individual banks is 3.15%; The interest rate of the second house loan is 4.15%.
Gao Xiali made a judgment that the existing customers had to pay more mortgage every month, and even many buyers chose to repay the loan in advance in order to reduce the purchase cost.
However, reducing the stock interest rate will affect the cake of the bank, which requires a multi player game as well as strong policy support.
In order to save the market, Foshan should save those friends who get on the bus in high positions, reduce their pressure and further release the purchasing power of the whole society.
Big move 2: business to business
Before that, many friends in Foshan failed to apply for provident fund loan due to qualification or formalities and other reasons during the purchase stage.
Or the developer "refused" in disguised form. The reason is very simple. The provident fund loan is too slow, which is not conducive to the developers' payment collection. The developers use discount as bait to let the buyers choose commercial loans from cooperative banks.
Therefore, for these friends, what they expect more than interest rate cuts is the opening of business to public.
However, it is a pity that at present, it is impossible for commercial loans to be converted into provident fund loans in Foshan.
Many netizens in the government message board called for Foshan to open commercial loans to provident fund loans, but Foshan Housing Provident Fund Management Center clearly refused.
At present, among the four first tier cities, Shenzhen, Shanghai and Beijing all support business to business transfer except Guangzhou.
Among the new first tier cities, Dongguan has also implemented the business to business transfer for many years, so from the operational level, it is based on evidence.
Some people believe that, compared with other cities, Foshan has a tight supply of provident fund loanable resources and high housing prices in some regions. It takes courage and time to reform the policy of "business to public" housing loans.
Now is the time.
The rescue will certainly be effective, but the extent and effective time of recovery are still unknown.
Slow ox is the best, fast ox crazy ox is not what we want to see.
Optimistically, after this round of market, Foshan will return to the price three years ago at least.
I hope the next policy will be good.
Finally, let us pray that the motherland will be prosperous and the country will be prosperous and the people will be safe.
