A detailed interpretation of the two-round property market regulation: restraining demand for stable housing prices

Newspaper reporter Yong Beijing September 29 Night, the Ministry of Finance, the State administration of taxation, housing and urban and Rural Ministry of Construction issued "on the adjustment of real estate transaction link Deed Tax preferential policy notice", announced five measures, this is the new "country 10" after the housing market ushered in the second round of regulation. Sino-Ocean Ka Real estate brokerage company research director Munchkins to reporters: "This notice is actually the new ' country 10 ' further reaffirmation and implementation, although overkill, but to restrain demand in the short term has a certain effect, the purpose is to sacrifice short-term turnover in exchange for the stability of house prices." "Tax concessions tightening: increase the cost of buying a house: the individual purchase of ordinary housing, and the housing belongs to the family's only housing, the levy of a deed by half."　　For individuals to purchase 90 square meters and the following ordinary housing, and the housing belongs to the family only housing, minus 1% tax rate levy.　　Interpretation: The adjustment of the deed of contract makes the scope of concessions greatly reduced, those who buy ordinary commodity housing, and the family with multiple housing will no longer enjoy the tax concession policy. Chien, vice president of the chain of real estate, said that the narrowing of the tax concession affected the rigid demand for first time home purchase.　　Before the implementation of the rules, in order to catch the last bus, the central transfer will be staged.　　For the narrowing of the concession, Beijing art Tongcheng Real estate development company Sales director Peng that "unreasonable." Peng to reporters: "The tax adjustment itself can not play a role in curbing house prices." In the case of price itself is very high, the contract discount can only aggravate the burden of home buyers. Peng said that a number of owners of the contract was signed last year, but in the check-in when the policy, according to the customary owners before check-in to the relevant deed fee to the developers, by the developers on behalf of collection and payment.　　Therefore, in the check-in formalities, the adjustment of the deed caused many owners of doubts. Higher down payment ratio: psychological effect is greater than the actual effect policy two: the first payment ratio adjusts to 30%.　　The previous policy for the first purchase of 90 square meters below ordinary residential loans minimum down to 20%. Interpretation: As for the first suite down payment to 30%, Munchkins to reporters: "New ' 10 ' after the introduction, down payment 20% has been very difficult to get bank loans." But the situation was loosened in 8 September, and the rules are just tightening up again. Therefore, the higher down payment on the market psychological effect than the actual role. Peng said: "Because the total price of Beijing is more expensive, in order to reduce the pressure of monthly repayment, before many owners pay the proportion of the first payment in 50%." But this regulation on the purchase of the people in the suburbs of the larger impact, because the choice of housing in this area of the population is often relatively limited economic conditions, the increase of 10% of the down payment obviously will have a greater impact. "It is reported that, in addition to the Beijing Bank of September 30 formally implement the 30% down payment policy, ICBC, Everbright, Huaxia, China Merchants Bank and other banks from October 1 began to implement the 30% down payment policy." Citi and StanChart have beenThe first payment has been raised to 30%.　　Property Tax: Continue to suspend policy three: accelerate the reform of real estate tax pilot work, and gradually expand to the whole country.　　Interpretation: Property tax has long been suspended in the property market head of a sword, although the notice reiterated the real estate tax reform pilot, but in the October 7 of the Shanghai property market rules, the property tax is still in the preparation stage. October 7, the Shanghai municipal government forwards the municipal Housing Security Bureau and other five departments, "on the further strengthening of the city's real estate market regulation to accelerate the promotion of housing security work," a number of views, only mentioned "in accordance with the State to speed up the reform of real estate tax reforms of the work requirements, the city will actively do a real estate tax reform of the preparatory work of the pilot　　”。 "This shows that the State has agreed to the Shanghai pilot, but also to wait for the timing," said Yang Hongxu, Minister of comprehensive Research at the Shanghai Institute of Easy Housing. Yang Hongxu that the future property tax could be introduced in the form of several pilot cities, or launched by other cities.　　If existing policies can cool the market, especially if house prices fall, the property tax is likely to be suspended for a long time, and if the existing policy cannot restrain the rise in house prices, it will certainly be introduced. Experts suggest Beijing Art Tongcheng Real estate development company Sales Director Peng: Early shot than late shot better. The frequency of regulation and control policy is obviously accelerated, it is "wave surging", which makes the future have great unpredictability.　　If buy a house last year also can enjoy the interest rate 70 percent and the deed discount, this year these preferential policy's cancellation or the tightening obviously increased the purchase cost. Munchkins, research director of Sino-Ocean Ka real estate brokerage company, is the time to buy a house by the end of next year or early. At present, the price of new property has been lower than expected, the regulatory policy is expected to let house prices fall by 10%, the fall in house prices can make up for now can not enjoy the rate of 70 percent and tax concessions. At the same time, the end of the traditional bargain season, buyers to choose the right room is also relatively large.