A lot of regulation applause not hit the real estate new deal difficult to execute

"China Economic Weekly" trainee reporter Liu Debing | Beijing report Despite the current autumn, but has been eager to buy the Zhang Wenyuan still feel a hint of warmth.　　September 29, the national multisectoral joint launch of credit, tax, market supervision, such as a number of real estate control measures, such as: The suspension of the third set of loans and above; the first suite down payment is not less than 30%; the price rises too fast the city will limit the number of home buyers, adjust the housing transaction link of the deed and individual income tax preferential policies In terms of specific measures and tendencies, Zhang Wenyuan in the heart of these policies, but at the same time he has a worry: In recent years, the relevant departments have introduced measures to strangle "high house price" The runaway Mustang, but the effect is very little, even in April this year, the so-called history of the most stringent regulatory policy implementation for nearly half a year, National housing prices continue to feuds in the high position of operation.　　Will this be the case?　　In this regard, a number of experts believe that this round of regulation and control policy is very good, but the lower level of implementation often makes the power of the policy is greatly reduced, which is an important reason for the weak regulation. A number of developers shouted "Wolf" This step is far beyond the speculation of many people in the industry.　　After April 17 this year, less than six months of time, the industry in the eyes of the "two regulation" on the landing of Boots, this point more than many people in the industry predicted the advance of at least half a month.　　In this regard, the State ministries concerned said that this is to implement the State Council to resolutely curb the price of some cities too fast to increase the notice, to consolidate the real estate market control results.　　But the implications of consolidation are confusing to the market.　　In fact, in September, the national real estate market such as Nanjing, Shanghai and other land King frequency out, north, on, wide, deep and so many cities deal hot, prices did not appear to loose signs. "The general quantity in the price first, the turnover is lower, the house price only then may descend, on the contrary, the rapid increase of turnover may cause the house price to climb further, therefore at this time the multisectoral regulation measure, to the fight house price too fast growth, its influence will be very big."　　Chen Yunfeng, vice president of China property, said. Slow City Villa marketing director Cao Feng Jie, in the "4 17" regulation, with various policies of repression, developers of the capital chain is generally tight, many housing enterprises even face the risk of failure, the policy effect of the initial appearance. But the arrival of gold in September, volume rise and let the developer overall profit pots full. In fact, the most stringent property control in the history of April failed to allow house prices to fall, a very important reason is that from 2009 to this April, developers in the hot sale of accumulated enough money, enough for a period of time to counter the risk of policy.　　Therefore, if two regulation is introduced in late October, the developer will usher in the rush season, the developers will be more funds, the round of regulation will encounter greater resistance. The data just released by major companies show that September leading room Vanke's sales and poly real estate subscriptions have historically broken through 10 billion yuan, while the Gold group September single month's sales even exceededAfter the first half of the 6 months of total sales. However, Vanke Beijing marketing director Sho Jing said, "9 29" control policy is the "4 17" real estate New Deal in-depth implementation, this reflects the decision makers resolutely to combat the rapid rise in housing prices, will be the market expectations and volume produced a larger blow.　　It is reported that Beijing Vanke originally planned to 15600 yuan/square meters open Changyang Peninsula Project, the final price will be lowered to 15100 yuan/square meters. Although a well-known developer in the Soho construction sector has openly shouted wolf, the response has been mixed.　　"11" period, the national property market with a vane indicator of the significance of Beijing, Shanghai, a sharp fall in the chain, but the chain of Shenzhen has greatly increased.　　From the market after the festival, a lot of transactions are a small recovery, such as Beijing is daily climbing, of which October 11, Beijing auction house deal 393 sets of housing transactions 317 sets, second-hand housing transactions 800 sets, second-hand residential transactions 757 sets.　　An expert at the China Index Institute pointed out that, combined with inventory and market demand, Beijing's one-day housing deal reached 300, which means Beijing is more active, but he also pointed out that the effect of the policy will be a while.　　Down payment increases the most impact? "At the end of the September policy, the most innovative and policy-effective measure is that first-suite down payment is not less than 30%", said Bin, deputy director of the Yi Ju (Beijing) Property Research Institute, "This will greatly inhibit demand, including rigid demand and investment demand, and this policy is easiest to implement."　　"Reporters to work, agriculture, China, the construction of four major state-owned commercial banks, Agricultural Bank of China, Beijing Chaoyang Branch, Industrial and Commercial Bank of Beijing Chaoyang Branch, Bank of Beijing Haidian Branch, CCB Beijing Haidian Branch, said that since the end of September policy has begun to implement the first suite of business loans down to 30% But banks are slightly different on loan rates. Agricultural Bank of China Beijing Chaoyang Branch staff said that for a down payment of 30% of customers, their interest rate can enjoy the benchmark rate of 80 percent discount.　　and industrial and Commercial Bank of China Chaoyang Branch staff said that for a down payment of 30% of customers, their interest rate can enjoy the benchmark rate of 85 percent discount. Cao Feng that, in fact, some of the improvements in demand or investment needs can still enjoy the first suite of policy, but when the down payment is raised to 30%, the lever of the fund is reduced, before using one times the capital can pry the Bank 4 times times the amount of money, now can only pry the bank twice times the amount of money, its income is significantly reduced, while the risk increased,　　Therefore can restrict the part investment demand. Even some insiders pointed out that, under the effect of policies such as down payment, check-out will increase significantly.　　such as the beginning of September Beijing daxing A real estate has more than 10 sets of check-out, the owner said that the April two suite down payment, some buyers first payment is not enough, so can only check out. However, the Bank of China Haidian Branch staff to give the negative, according to its introduction, in the regulation of the bank has been firmlyDifferential treatment, before the policy was introduced before the mortgage is according to the previous policy operation, "9 29" after the mortgage loan first suite is according to 30% policy implementation.　　Check-out means that the first sign must be signed, that is, the first to sign a purchase contract and loan contract, the contract has been signed will not suddenly change, so check-out and down payment has nothing to do.　　Cao Feng Jie pointed out that the down payment is actually meant to change the property market expectations, directly, that is, is expected to have fewer people to buy a house, and matching a series of policies can be expected to play a certain role.　　However, Bin that "9 29" regulation policy of the introduction of the property market has a greater inhibition, but in addition to easier to implement the credit policy, many of these policies in the past has been stressed that, from the previous trend, the key is the lower level in the implementation of aliasing or for various reasons failed to implement, greatly affecting the regulatory effect.　　Three departments Shinshen accountability system to ensure implementation Bin pointed out that the "9 29" control proposed, strengthen the land value-added tax collection and management of the supervision and inspection, to combat the hoarding and so on, these policies, if launched, may change the Chinese real estate industry profiteering model.　　But according to the reporter's visit, at present, this policy remains to be further implemented, such as Beijing, Shanghai and other places still have a lot of real estate prices than close adjacent items up to 30,000 yuan/square meters, but in the face of the doubts of homebuyers, these properties always from the lot, products and other aspects to explain.　　September 26, the Ministry of Land, Housing and Urban and rural construction department issued a joint notice, the enterprise default development of land, for their own reasons idle land for one year, will prohibit the bidding land qualification.　　September 30, the relevant departments of Beijing issued a circular to resume Beijing Real Estate Development Co., Ltd. and its original shareholder, such as Pacific Group, such as market trading qualifications. In fact, on March 11 this year, due to idle land, the Beijing Municipal land administration suspended the property Development Co., Ltd. 's Land transaction qualification, and fined.　　And now in less than half a year, Beijing Kai Xia Real Estate Development Co., Ltd. 's land qualification is again activated.　　"As with the above policy, the property tax will also have a certain inhibitory effect on the rising prices," Bin said, but to ensure the sustained and healthy development of the real estate market, the key is to implement.　　However, the situation is changing.　　The Ministry of Finance, the State administration of Internal Revenue said recently, the first part of the city will be part of the individual owned housing pilot, the resumption of the levy of property tax, accumulated experience to gradually expand to the country. In addition, the Housing and Urban and rural Ministry of Construction, Land and resources department and Ministry of Inspection recently issued a request, all localities should immediately study the implementation of the new "Country 10" implementing rules.　　The Department of Housing Construction, the Ministry of Supervision and other departments will be the provincial people's government to stabilize housing prices and housing security work assessment and accountability, to implement the policy is not in place, the work is not effective, to conduct interviews until the accountability. Up to now, according to the survey, Shenzhen, Shanghai, Xiamen, Jiangsu and other provinces and cities are gradually promulgated relevant regulatory policies, many provinces and cities are closely follow up.