Property market tightening type regulation does not leave a gap

Golden Nine silver Ten, in April new "State 10" issued six months later, the initial control of the real estate market suddenly looked up: "Day CD" frequent, Thirty thousand or forty thousand yuan per square metre of property repeatedly break people's psychological expectations.　　Last night, the state-related ministries issued the second regulation policy this year, 5 measures to highlight the central government "to curb the rapid rise in prices in some cities," "consolidation of the real estate market regulatory results" determination. The new deal was unveiled by CCTV as "precision-guided, almost seamless". Can this runaway Mustang be reined in?　　The expectant people may as well read the New deal and find out some clues.　　The new policy suddenly came out unexpectedly, compared to last December and this April, September 29, "tightening regulation" of the release of the policy, so many of the property market in October fantasy real estate business unprepared. Why did the central government choose to take a heavy punch at this sensitive time?　　There are four reasons-the new "Country 10" implementation has a certain effect, but there seems to be a certain distance from the expected.　　The common people to the real estate market, including the high price of this sentiment is still there, and there is no great decline, dissatisfaction factors are still many.　　Local area appears the so-called real estate warmer situation, many places began to appear "Day CD".　　11 Golden Week will usher in the real estate sales peak season, when the new deal, will allow consumers, including all aspects of the more rational view of the property market. Three suites nationwide stop and loan new "Country 10" "medium" commodity housing prices are too high, rising too fast, the supply of strained areas ", these added in the" Third House Stop Loan Order "before the attribute in the new deal has all disappeared," third housing does not issue loans "across the country unified implementation.　　At the same time, the first suite of down payment ratio adjusted to more than 30%, the second suite to more than 50%.　　Most noteworthy is that the new deal for the speculators have a clear reign measures, all over the country can not provide more than one year of local tax proof, or social insurance to pay proof of non-local residents, do not issue home loans. Yang Hongxu, Minister of comprehensive Research at the Shanghai Institute of Real Estate, said the two national one-size-fits-all policy would help dampen speculative purchases, especially in foreign investors. Commercial banks should strengthen the management of consumer loans and prohibit the purchase of housing.　　This will more forcefully block the so-called "grey channel" of buying houses through consumer loans. Real estate tax in the two regulation policy of the third measure, the "real estate tax" narrative has two key words eye-catching: one is "speeding up", that is, the real estate tax pilot is not anxious, but to be anxious, and to speed up the pace of implementation. The second is "extended to the whole country", which is different from the understanding of many people in the past, including property developers, experts and even the media. In the past, we think it is in Beijing, Shanghai, Guangzhou, Shenzhen, Hainan and other hot spots in the pilot, but now is clearly to expand to the national scope.　　At present, there is no relevant rules for the introduction of the property tax, because after all, there are still many questions: is the new policy, or old age policy, the previous bought a lot of people in the suite in the end do not accept? Is it a collection or an area? Or the combination of the house and the ground?　　This is far-reaching reform.　　Although the property tax policy still needs people to wait patiently, but it is clearly already offing, the apparent.　　The accountability sword refers to the tripartite accountability, there is no room for bargaining. The brunt of this is the governments everywhere. It must be admitted that in the process of real estate regulation, many local governments have done a lot of work and achieved certain results.　　But not ruled out in individual areas, due to land finance and other factors, still adopt the wait-and-see measures, even the work is not effective.　　Ministry of Homeland officials frankly, all over the real estate control policy understanding still exist differences, some areas to the real estate industry to take Pao Minsheng as the primary goal of understanding not in place, the real estate industry can not be used as a pillar of the city economy and not understand the mood.　　The New deal stressed the accountability, not to talk about the offer, or even accountability, demand from all over the political height and the people's livelihood to view the housing problem. Second, for commercial banks, there is little room for negotiation in the New Deal, the third suite does not issue loans, there is no tax proof, including social insurance, can not be issued. On the other hand, the new deal has added some responsibility to the commercial banks.　　For small and medium-sized huxing, medium and low price housing protection and loans to increase support. Finally, in real estate business, even the supervision of real estate intermediary agencies are included in the new deal, hoarding land does not develop, cover plate reluctant and other acts will be severely punished.　　The recent emergence of a worrying situation, home appliances, clothing companies have entered the real estate industry, which has caused a certain threat and instability, the need for norms.　　Consumer change concept Some subtext in this new deal must be read by us, although many of these restrictions, including two suites, three suites, large-type and so on ostensibly in the constraints of local governments, real estate and commercial banks, in fact, is to remind consumers to change the concept of housing consumption. Our country buys the first housing, the average age is 27 years old, this does not have in the United States, Japan. The new deal has incentives to encourage the part, such as small and medium-sized sets, low-cost, rental housing, economic security room. With these incentives and restrictions, I am afraid we need to return to the rational consumption mentality.　　May be the beginning of the rental, and then buy affordable housing and small huxing, when there is a certain economic capacity, and then buy a bigger and better house. The healthy housing consumption idea, the benign market development pattern, this perhaps is the control wants to achieve the real goal. (Reporter Chan Junyi)