Information > Ordinary article > Purchase loan Raiders > The property market dynamics >  text

People's Daily: rent and buy simultaneously to maintain a continuous and stable real estate policies

Time: 2018-01-04         Source: People's Daily         Author: People's Daily

Eating and drinking to live with the number of "living" the most eye-catching. For the annual Central Economic Work Conference, many people are most concerned about the statement of housing policy, the most worried about the future real estate market trends. As for the housing issue, the Central Economic Work Conference has written many ink paintings: housing system, leasing market, leasing enterprises, long-term mechanism, and the stability and stability of regulatory policies have drawn wide attention from experts, scholars and professionals in the industry.

Better meet the needs of residents multi-level housing

The Central Economic Work Conference proposed to speed up the establishment of a multi-agent supply, multi-channel security and rent-purchase system.

In 2017, the exploration of pilot projects of shared property in both Beijing and Shanghai opened up new channels for solving housing problems. Under this approach, the government and the purchaser share the common property rights according to the shares, and the government will transfer part of the "right to use" it owns, while the buyers will be able to stay in the new house at a lower price.

"In the past, the main supply of urban commodity housing was relatively simple, mainly provided by developers. The central government proposed to explore the supply of multi-agents to mobilize more social forces to participate in." Ren Xingzhou, a researcher with the Market Research Institute of the Development Research Center of the State Council, Leasing the housing supply more diverse subjects, such as development companies, state-owned enterprises, industrial parks and real estate brokerage agencies are involved in the supply and management of rental housing.

The so-called multi-channel protection, that is, housing security channels and channels to be diversified. "In the future, the government is still the main body of housing security, but to explore more ways and channels to mobilize more social forces to enter, the form should be more diversified." Ren Xingzhou said that in the past in the way of housing security, low-rent housing , Affordable housing, and later with public rental housing and shed change housing, "more types, more secure means, shantytowns rebuilt in the past mainly to physical housing placement, in recent years to explore the way of monetary resettlement, to To be protected by the masses to a greater choice of space. "

Multi-body, multi-channel, not only refers to "room", also refers to "ground." In August 2017, the Ministry of Land and Resources and other departments determined that 13 cities such as Beijing, Shanghai and Guangzhou will pilot the construction of rental housing using collective construction land.

"In the past, the supply of urban housing land in the past mainly used for the construction of commercial housing and rental housing through the bidding and auctioning of state-owned land, or the government allocated part of the land for the construction of affordable housing for housing.In the future, in some large and medium-sized cities with a net inflow of population, collective construction Land will also be involved in, mainly for the construction of rental housing. "Ren Xingzhou that the use of collective construction land to build rental housing can not only increase the supply of urban leasing housing construction land, help build the housing system to buy rent simultaneously, but also help Expand the use of rural collective land and broaden channels of income for collective economic organizations and peasants to promote the optimal allocation of collective land and save intensive use. "I believe that in the future urban housing supply system will further show the trend of multi-agent supply, diversification and diversification."

"Such a housing system will better meet the housing needs of residents at multiple levels: for urban residents who have the ability to buy houses, support their purchase of commodity housing through the housing market; support residents who can not afford to buy housing to rent houses on the market; For unbearable rent, eligible families in need, the government to provide public rental housing security. "Longshu Group Vice President Han Shi said.

The development of housing rental market, especially long-term leasing

To develop the housing leasing market, especially long-term leasing, protect the legitimate rights and interests of leasing stakeholders, and support the development of specialized and institutionalized rental leasing enterprises. The Central Economic Work Conference referred to the development of the rental market to unprecedented heights, and it is rare to emphasize long-term leasing.

"Housing market lags behind the development of China's urban housing supply in the short-term, especially the long-term rental market development significantly inadequate." Ren Xingzhou that the biggest feature of long-term leasing is a longer lease term, the contractual relationship is relatively stable, is conducive to clear and stable The expectations of both leasing, so that the lessee peace of mind, the less assured.

For the entire market, leasing is equally significant. "Leasing is not only the core work of the current housing system improvement, but also the only way to solve the housing problems of new citizens in the process of new urbanization. It can also promote the stability of the housing market by diverting the demand for housing and financing, etc." Tsinghua University Real Estate Institute director Liu Hongyu think.

For the future, to achieve both rent and purchase, the key is to make up a pre-existing rental short board.

"Unlike commercial housing development and construction can be sold, the funds can be recovered faster, and the construction of long-term apartments to hold long-term, long-term recovery of funds, financial pressure. Especially in the initial stage, a lot of money to take place, building And operations. "Ren Xingzhou believes that the relevant policies on financing and taxation for the long-term leasing market should be carefully studied so that the construction and operation of long-term leasing market will achieve a healthy development and the long-leasing market will be more effectively nurtured.

In 2017, Longhu Group, which has been cultivating more than 20 years in real estate, launched long-term apartment products. Up to now, it has 16 cities and 15,000 rooms. "The presence of brand developers will promote the long-term apartments towards product and refinement." For the healthy development of long-term apartments, Han Shi put forward specific suggestions: First, the registration of the legally registered housing leasing companies and institutions , Giving preferential tax policies to support; the second is to support qualified housing leasing companies issue bonds, real estate securitization products, and steadily promote the real estate investment trust pilot, to expand direct financing channels.

While encouraging and supporting policies to keep up, all localities should also conduct scientific planning and long-term planning for the development of the leasing market.

"At present, there are a large number of rental demand in some cities through decentralized individual homeowners to solve .In encouraging enterprises to build large-scale rental housing, but also should not ignore the supply of a large stock leasing market." Renxing Zhou believes that revitalization Stock rental housing resources can have a variety of measures. On the one hand, through the strengthening of regulatory and policy support, individual owners leasing more standardized and transparent. On the other hand, institutions that support the integration of leasing resources and support are encouraged and encouraged to effectively decentralize the individual housing resources, unify decoration, operate and provide specialized management and services so that decentralized resources can also become institutionalized The leasing supply, and to provide more high-quality services to tenants.

Differential control, do not relax, to avoid ups and downs

In 2017, China's real estate market regulation and control continued a severe situation. According to the statistics of Chain Home Research Institute, up to now, a total of 54 cities nationwide have introduced and controlled a total of 129 purchase policies and 169 limit loans policies. Fifteen cities have implemented "recognizing houses and approving loans" and 48 cities have been restricted in sales.

Under severe regulation, the market is stabilizing. In November 2017, the prices of newly-built commercial housing in 11 cities out of 15 hot spots dropped by 0.2 to 3.2 percentage points from the same period of last year, and the prices have been lower than the same period in 2016.

"Central Economic Work Conference proposed to maintain the continuity and stability of the real estate market regulation and control policies, which means there will not be much change in the regulation and control of real estate as a whole in 2018." Ren Xingzhou believes that the continuity and stability of policies indicate that the regulation and control objectives Will not waver, efforts will not relax, must not allow speculators to return to the market, pay attention to prevent and resolve the real estate market risks; the same time, to maintain the stability of the policy will also avoid the market a hard landing, ups and downs.

"From the external environment, the current economic growth still has a strong dependence on investment in real estate development. Real estate-related reforms in the financial, land and tax systems and the equalization of urban public services will take time to develop the leasing market and joint ownership Housing and other short-term difficult to have a substantive impact on the market; from the endogenous mechanism, residents buy a house to maintain the value of the need for assets is still rising, the bank's leverage on real estate is still strong, local government dependence on land transfer is still very Strong. "In the chain of Research Dean Yang Xianling it seems that real estate control policies in 2018 will maintain a neutral trend of tightening.

Yang is currently expected to lead the economy in the first and second tier cities in the future, "five limit" policy will continue, restricted sales may be extended to some of the earlier prices rose faster but not out of control policies of third and fourth tier cities, residential mortgage policy will also be maintained from Tight situation.

The higher the interest rate, the more debt, do not let mortgages kill your life. Concerned about the "financial 360 room" (fangdai123) public number, easy to grasp the minimum bank loan interest rates. A little less interest, a little relief.

    You may need these loans

    Housing for loans

    Mortgage records to loan

    500000

    Maximum amount

    0.89%

    The minimum monthly interest rate

    1 day

    The fastest time to lend money

    apply immediately

    Redemption of building loans

    Solutions mortgage, help sell houses

    6.5 million

    Maximum amount

    2.20%

    The minimum monthly interest rate

    30 days

    The fastest time to lend money

    apply immediately

    House mortgage

    Housing mortgage, good cash flow

    10 million

    Maximum amount

    1.20%

    The minimum monthly interest rate

    7 days

    The fastest time to lend money

    apply immediately

    Renovation loan

    Buy a home renovation loan

    500000

    Maximum amount

    0.37%

    The minimum monthly interest rate

    1 day

    The fastest time to lend money

    apply immediately
    Save this article to my email
    Subscribe to the mortgage, real estate news

    Sweep, so buy a house easier!

    Welcome to melt 360 mortgage
    Official WeChatfangdai123)

    【Exclusive Articles and Disclaimer】 Any work that is marked "Melt 360 Original", without the written authorization of Melting 360, shall not be reproduced, excerpted or used in any other way by any of the above works. Have been authorized in writing, indicate the source of financial 360. Anyone who violates the above statement and infringes upon the legitimate rights and interests of Rong 360 will be investigated for legal liability according to law. Materials and conclusions in the works are for reference only and do not constitute operational recommendations. For written authorization, please email: academy@rong360.com

    Comment lists (User reviews only users to express their opinion, does not mean that this site agree with their views or confirm their description)
    you may also like

    Buy a home loan

    Housing for loans

    Mortgage records to loan

    Redemption of building loans

    Solutions mortgage, help sell houses

    House mortgage

    Housing mortgage, good cash flow

    Renovation loan

    Buy a home renovation loan