Housing prices are too high to be stopped three of mortgage experts said it will accelerate the market cooling

The State Council regulates house prices to launch a "combination fist", yesterday issued the most stringent measures to control the rise in housing prices, the housing prices are too high, rising too fast areas, the moratorium on the purchase of third and above housing loans, to the non-Hong Kong residents who do not provide more than 1 years of local tax certificates or social insurance payment certificates, the moratorium　　and the house price accountability system.　　Third housing moratorium on lending 14th, the State Council executive meeting to study the deployment to curb the excessive rise in housing prices in some cities policy measures, the meeting identified the first policy measures is to curb unreasonable housing demand, the implementation of more stringent differential housing credit policy. Yesterday's announcement, targeted at speculation and speculative home purchases, loans to buy a second housing households, loans to the first payment ratio of not less than 50%, the loan rate must not be lower than the benchmark rate of 1.1 times times.　　For the purchase of the third and above housing loans, the ratio of the first payment and the loan interest rate should be greatly increased, which is determined by the commercial bank according to the risk management principle.　　For commodity housing prices are too high, rising too fast, the supply of tension in areas, commercial banks can be based on the risk situation, suspend the purchase of third sets of housing loans and above. To suspend the purchase of housing loans for non-residents who cannot provide proof of local tax or social insurance contributions for more than 1 years.　　In addition, the local government can, according to the actual situation, take temporary measures to limit the amount of home purchase in a certain period. The first mention of the chief executive's accountability system, said the state Council for the first time to curb the rapid rise in housing prices of the accountability system, the implementation of the provincial government overall responsibility, the city government to implement the work responsibility system, "to stabilize housing prices, promote the construction of affordable housing, the impact of social development and　　"2006, in order to control the housing price rise and other real estate issues, Kwok has forwarded the Ministry of Construction, the NDRC and other 9 Ministries of the housing supply structure to stabilize housing prices, the State Council had also put forward the assessment, asked all over the adjustment of housing supply structure, control the rapid rise in housing prices into economic and social development Play the role of tax revenue regulation in addition, the notice stressed that the tax policy to play a role in housing consumption and real estate income regulation. The Ministry of Finance and the general administration of taxation should expedite the research and development of tax policies to guide individual reasonable housing consumption and adjust individual real estate income.　　In strict accordance with the tax law and relevant policy provisions, the tax department should do a good job in levying and management of land value-added tax, focusing on the liquidation and inspection of real estate development projects which are overpriced and too fast. Experts say: "Will accelerate the housing market cooling" for the Beijing property market, is undoubtedly a sudden "cold current", it is possible to bring the property market into another winter, "the Secretary-General of the Chen Yunfeng," said the regulation focused on investment and speculative purchase, strict control of the third and above housing loans and foreign house loans,　　There is no doubt that the speculation on the house has a very large impact. "In general, the second suite may also be to improve the sexual needs, but the third suite is basically the investment demand", said Chen Yunfeng, ifTo raise the down payment is a "restraining order", then the third House does not lend is basically a "ban". Restricting the purchase of loans to outsiders, further narrowing the scope of demand, will accelerate the housing market cooling. Reporter Yang Juan Juan Analysis Tax Proof sword refers to "Fry house" experts said the property market may have 20% decline yesterday, Zhongyuan real estate three level market research director Dawei Analysis, according to the New deal, hot spot region third and above housing will likely stop the loan, this makes the present many first time relies on the loan to purchase the customer to be difficult to obtain the massive fund again,　　Such a strict lending policy is unprecedented. The local people's government can, according to the actual situation, take temporary measures to limit the number of homes in a certain period of time, this policy will continue to combat the possibility of many house buyers.　　In addition, "a moratorium on the purchase of housing loans for non-local residents who cannot provide proof of local tax or social insurance payments for more than 1 years", then the sword refers to "fry the house" and the Hainan property market, to avoid the Wenzhou customers as the representative of the speculation to continue to fry the House, this policy will be a powerful blow to the purchase of hot money, conducive to continue to stabilize the market. In addition, the new policy also put forward to play the tax policy on housing consumption and real estate income adjustment role. The Ministry of Finance and the general administration of taxation should expedite the research and development of tax policies to guide individual reasonable housing consumption and adjust individual real estate income. The official said the new deal again mentioned the impact of tax, in the already introduced a lot of financial and land New deal in the case to continue to retain the possibility of increasing taxes, will greatly affect many home buyers, especially speculators on the market expectations, the housing market high prices will not be sustainable, it is likely that more than 20% of the decline　　(Reporter Yang Juan juan horsepower) question the price rises too fast area is where?　　Experts said the results of the regulation of the end of the year or will appear yesterday, Central Plains real estate North China's managing director Li Wenjie with "unprecedented", "the most severe" to describe the combination of regulation, but he believes that if the price is loose, or will be revealed at the end of the year.　　Li Wenjie said, "Commodity housing prices are too high, rising too fast, the supply of tension in the region," you will first think of Beijing, the so-called "commodity housing prices too high, rising too fast, the supply of tension in the area" exactly what is meant, need to be clear. In Beijing, non-Beijing People's commercial housing purchasing power is relatively large, basically reached 30% of the commercial housing market, remove part of the resident population in Beijing, the rest are from the field.　　The vast majority of these are speculation and investors. Li Wenjie said that a series of policies will certainly have an impact on the real estate market, he understood that the present buyers and sellers are already on the sidelines, we are waiting for the next details.　　He believes that this wait-and-see period will take about three months or more than six months, first turnover will fall, and then the price will be loosened, "this loosening is likely to appear at the end of the year."　　Li Wenjie that the policy should be introduced as soon as possible refinement measures, such as the second set, the third suite How to determine the purchase of the necessary audit files to be submitted. A new round of regulation of house pricesAfter the introduction of the April 11 morning, the CBRC president Liu said that some of the banks in Beijing have been prudent implementation of the second suite down 60%, afternoon, the CBRC emergency clarification, the second suite down payment is still 40%.　　April 12, the five major banks established diplomatic relations between the two countries said that the two sets of mortgage interest rate concessions have been tightened. April 14, Wen Jiabao chaired the State Council meeting, said the strict differential housing credit policy will be implemented.　　15th, media reports, the second suite down payment must not be less than 50%. April 17, the State Council to resolutely curb the rapid rise in the prices of some cities in the notice, said the rise of too fast areas, can suspend the issuance of a third set of housing loans.