Property market to hit the real deal

Xinhua Shenzhen, May 4, the question: property market "precision hit" can hit the tenant? April 14, the State Council executive meeting decided to raise the two down payment ratio, opened a new round of the property market regulation of the big curtain, a target for the "accurate blow" of the tenant immediately launched. Half a month has passed, the effect of "precision strike"? How does the tenant react?　　The reporter chose to fry the tenant multitudinous Shenzhen carried on the visit investigation. The effect of the policy is obviously partly fried tenants began to put a new round of property market control, in a few days, a heavy, under dose. April 14, the State Council executive meeting asked to increase the down payment ratio of two mortgages to 50%; April 17, the State Council on resolutely curb the price of some cities too fast to increase the notice issued by the outside world called "new Country 10", the demand for high prices of commodity housing, rising too fast, tight supply areas, commercial banks can be based on risk conditions To suspend the purchase of a third set of housing loans.　　These austerity policies are considered to be directly targeted at the tenants of the measures, the severity of the unprecedented, a time jittery. Under the deterrent of the country's tough policies, some investors are worried about the high dive in the market and begin to put some into the opening. Zhongyuan Real Estate Shenzhen company general manager Li Yaozhi said, the regulation policy before the introduction of the Central Plains real estate Daily New put volume in 1000 sets around.　　After the new policy, the daily put increased by 30%, but because many owners are still unwilling to reduce prices, turnover has shrunk by 70% to 80% compared to the previous. There is a news that the Shenzhen market recently appeared a large number of selling property, and some investors even one-time hang out hundreds of houses are eager to sell. "This must have been.　　"Shenzhen Real Estate Information Network Research department director Zhou Cojun said, recently happened to be a hanging disk peak, we monitored the data show that the volume of the plate than the housing market before the new deal increased by about 20%." Shenzhen senior investment guest Zou told reporters, "after 2006, Shenzhen has a lot of speculation in the investment company, shareholders on five or six people, to fry the room for the industry, a one-time large backlog of housing, wait until the revaluation after the sale, profit a lot, the soaring prices of Shenzhen and these large-scale speculation housing companies have a direct relationship. "Now the situation has changed. Some of the tenants are still stubborn, but the psychological panic, a lot of investment companies are struggling to ship, so the Shenzhen property market second-hand housing supply increased a lot, in a period of time estimated will not go.　　"Zou said. "To increase the down payment ratio, which is the most direct way to combat speculation."　　"Shi Lian Real estate chairman Chen Jinsong said, the World Union real estate agent in the country more than 340 projects, there are detailed analysis of data, according to their data analysis, Shenzhen one-time payment ratio is only 7.4%, but not Shenzhen's one-time payment ratio is 20.9%." There are also some intermediary companies and experts said that the current Shenzhen market put increase in the phenomenon, can only show that some of the tenants are indeed in the shipment, but did not appear panic "throw a wave." "According to our understanding of the situation, the main shipments are some small fry roomThe guests, the big fried tenants are sitting on the sidelines.　　"21st century Real estate Shenzhen Pan City analyst Wang Jinping said. Bank implementation of unprecedented but still have "dark door" the main source of funds for the tenant is the bank, playing is the big financial lever game, it can be said that the bank funds are many fried tenants "lifeline."　　Therefore, the banks to enforce the size of the property market, whether it can tighten the credit "faucet" is the decisive factor in the effectiveness of regulation.　　At present, BOC, CCB, ICBC and other Shenzhen branch has said that will strictly implement the State Council new Deal-family-unit calculation of two suites, the implementation of more than 50% down payment, interest rate of more than 1.1 times times, 90 square meters above the first suite loan down payment also increased to 30%. April 21, the deep Development Bank said, in addition to the strict implementation of the State Council, the new deal, but also stipulated that "the third and above housing loan business in principle, suspend acceptance", which is suspended in Shenzhen, other cities are allowed to raise to 5.5 down to the above, interest rate of more than 1.2 times times.　　It was the first bank in Shenzhen to set a moratorium on multiple mortgages.　　Reporter recently as a home buyers to visit some banks in Shenzhen, the results found that its implementation of the greater unprecedented, but still have a lot of "dark door" can be fried tenants "blood transfusion." One way to do this is through personal consumption loans to buy houses. The practice is to mortgage the first suite, in the bank in the name of consumer loans to apply for loans. In general, personal consumption loans can only be used to buy cars, decoration and so on, but not to buy a house.　　But, after all, banking supervision can not be foolproof, some speculators get loans may enter the property market. "As banks rigorously enforce the two-suite rate hike policy, many buyers ' bypass ' housing loans and buy two suites to get lower discounts by applying for home mortgages.　　"said a bank worker in Shenzhen. The reporter came to China Merchants Bank Huanggang Branch, said hope to be able to borrow from the bank to more money to pay a sudden increase in the purchase of a house down payment.　　Personal Loan Department staff said that if the first suite red in hand, you can mortgage property certificate, apply for consumer loans.　　It is reported that although consumer loans can not be directly into the personal account, but the fried tenant can be in advance with the decoration company to greet, pay a certain "channel fee", can let the decoration company will loan into the customer account. "You have come too late, consumer loans we recently stopped abruptly." "The staff of Citic Bank's Futian sub-branch said they had previously been able to use the consumer loan in the name of the customer." But do not know why, suddenly to stop, "you one months later to see." According to the reporter understand, at present, each bank has launched a variety of loan projects, if the tenant to borrow a loan to add a down payment, or pay a monthly payment, he can completely through personal consumption loans, overdraft credit cards, small unsecured loans and other means to obtain funds, and banks and other financial institutions for their own profit development considerations,　　Most will not refuse. Experts: The fight against the tenant can not expect "Bichigong in aService "" The precision of this policy is directly against the speculators, the direct blow is the use of bank leverage to make money, the current policy adjustment, second-hand building transactions will soon shrink, large speculators will be shipped.　　Chen Jinsong, chairman of the World Union real Estate.　　Haiyan, director of the City Operations center of the Shenzhen Academy of Social Sciences, said that the biggest bright spot of this regulation is to "not provide more than 1 years of local tax certificate or the proof of insurance contributions to the non-local residents to suspend the purchase of housing loans," the non-local residents of speculation, investment made strict restrictions Haiyan that, Shenzhen and other front-line cities have been flooded with cross-regional investors for many years, the local housing market supply and demand balance caused serious interference, thereby contributing to the virtual high prices.　　Now, the "remote Home" relevant provisions of the introduction, in the short term will affect the rapid reduction in market demand. But he also expressed concern about the bank's implementation. "In the light of past experience, the bank's general response to the mortgage policy was ' resolutely enforced ', but when its credit business shrank without finding a new business growth point that directly caused its own interests to suffer, there were always some ' flexible ' countermeasures.　　Haiyan Frankly, the new deal on the late implementation of the new policy, temporarily do not dare to hold positive attitude. "In addition to the control of irrational consumer demand, more important is the purchase of consumer-oriented rational normal track." In addition, the property market, in addition to relying on credit for the purchase of customers, there are a large number of power-type home buyers, do not need to rely on bank credit. Haiyan said that the central government's regulation of the property market should not be unilaterally started by the housing, should be multi-pronged, the introduction of property tax or property-holding tax is the fundamental balance between the housing market supply and demand balance, the property market to the rational state.