Many measures have been introduced to help the real estate market. Industry: It is difficult for low-energy cities to reverse the market.

From February 2 1, the four major banks simultaneously lowered the mortgage interest rate in Guangzhou. According to Southern Plus, the interest rate of the first home was lowered from the previous 5.6% to 5.4%, and the interest rate of the second home loan was lowered from the previous 5.8% to 5.6%.

On February 18, Nanning Housing Provident Fund Management Center issued a document saying that the maximum amount of provident fund loans for the first suite was raised from 600,000 yuan to 700,000 yuan, and that for the second suite was raised from 500,000 yuan to 600,000 yuan. This document will be implemented on March 1 day.

In fact, according to the statistics of Ke Rui, since this year, Zhejiang, Chongqing, Qingdao and other 14 provinces, cities and counties have introduced real estate relief policies including provident fund loans, fiscal and tax subsidies, etc.

"Since the beginning of this year, favorable policies in various places have continued, which will continue to reverse the decadent situation of real estate and help the market to be active." Yan Yuejin, research director of the think tank center of Yiju Research Institute, pointed out to the reporter of National Business Daily that the market is constantly entering the bottoming, bottoming and bottoming stages, and there is a good foundation for the bottom rebound and gradual recovery.

The real estate policy was further relaxed.

Three documents issued by Nanning this time, such as "Detailed Rules for the Management of Housing Provident Fund Deposit in Nanning", not only increased the amount of provident fund loans for the first suite, but also reduced the down payment ratio of loans for the second suite from 40% to 30%, and cancelled the restriction that the second suite should not exceed 1.44 square meters.

At the same time, the lower limit of the monthly loan repayment ratio of the first suite and the second suite was also cancelled. In addition, the scope of objects that can use the provident fund has been further expanded. Employees who meet the prescribed conditions and have registered permanent residence and deposit place in the cities of Guangxi Beibu Gulf Economic Zone may also apply for provident fund loans from Nanning Provident Fund Center.

"Nanning's document is a directional relaxation of the provident fund policy, especially the down payment ratio of second-home provident fund loans has increased to 30%, which is obviously aimed at improved people."

Jaco, dean of the branch of 58 Anjuke Real Estate Research Institute, told the National Business Daily that the decline of down payment ratio is relatively limited, and its boosting effect on the market is also relatively limited. Undeniably, policy relaxation will boost the enthusiasm for buying houses and accelerate the pace of buyers entering the market. However, the new rules of provident fund will not stimulate most buyers to enter the market, but will only play a catalytic role.

Yu Xiaoyu, research director of Han Yizhiku, also believes that Nanning's new provident fund policy is a big plus for buyers, which is conducive to reducing people's pressure on buying houses and stimulating their desire to buy houses.

In terms of mortgage interest rate, in addition to the simultaneous reduction of mortgage interest rates in Guangzhou by the four major banks, some banks in Nanning recently lowered the interest rate of the first home loan from the original 6. 1% to 5.95%, and the interest rate of the second home loan to 6. 15%.

"The downward adjustment of mortgage interest rate fully shows that the current real estate market policy is further relaxed. Affected by the central bank's RRR cuts and interest rate cuts, banks have the incentive to issue cheaper loan funds and objectively activate more people to apply for mortgages. " Yan Yuejin said.

Many places have introduced real estate relief policies.

Since the second half of last year, the downward trend of the real estate industry has been obvious. According to the data released by the National Bureau of Statistics today, the sales prices of newly-built commercial housing and second-hand housing in 70 large and medium-sized cities decreased month-on-month, and the year-on-year increase generally declined.

In fact, since the beginning of this year, 14 provinces, cities and counties including Zhejiang and Chongqing, Nanning, Qingdao, Yulin, Beihai, Huizhou, Heze, Yanji, Maanshan, Luzhou, Zigong, Ganzhou and Zizhong County of Neijiang have successively introduced various real estate assistance policies, mainly including the following aspects.

The first is to relax provident fund loans. For example, Zhejiang has increased the amount of provident fund loans for three-child families and given priority to lending; Nanning will increase the amount of provident fund loans for the first and second suites; The minimum down payment ratio will be reduced from 60% to 40% when buying a second suite or applying for a second provident fund loan in Beihai; Zigong provident fund loans are subject to loan recognition but not housing recognition. There is no record of provident fund loans and outstanding commercial loans, and the first home loan policy is implemented. If there is a record of settled provident fund loans or outstanding commercial loans, the second home loan policy shall be implemented.

Secondly, non-restricted cities restart the minimum down payment of 20%. For example, in Heze, Shandong, the four major banks can implement the minimum down payment ratio of the first suite of "no house and no loan" buyers by 20%. For example, in Chongqing and Ganzhou, some banks are already implementing the policy of minimum down payment of 20% for the first home loan.

In addition, through fiscal and taxation to stimulate the bottoming out of the property market. For example, in Yulin, Guangxi, new citizens buy the first set of new houses below 90 square meters with a subsidy of 6,000 yuan each, and buy the first set of new houses above 90 square meters with a subsidy of 1 1,000 yuan each, giving 50% deed tax subsidy; Another example is Luzhou, Sichuan. Qualified talents can buy the first new house in the central city and enjoy a talent housing subsidy of up to 2 million yuan. Zhejiang stipulates that college graduates working in Zhejiang can enjoy a living allowance of 200,000-400,000 yuan or a subsidy for buying or renting a house.

"The above policies do not represent a fundamental change in the real estate credit policy. Whether it is relaxing the provident fund loan or restarting the minimum down payment of 20% in non-restricted cities, it is a moderate adjustment within the framework of the existing real estate credit policy. "

Lin Bo, general manager of Ke Rui Research Center, told the National Business Daily that even if Heze, Pizhou, Nanning and other cities adopt a series of "rescue measures", the pull on the market is limited, and the market is difficult to reverse. On the other hand, the market demand and purchasing power of core first-and second-tier cities are still strong, such as Shanghai and Hangzhou.

Lin Bo said that under the policy environment of "housing and not speculating", the future real estate financial policies will be accurately collected. It is necessary to support residents' self-occupation and improved purchase and consumption, support the reasonable financing needs of real estate enterprises, resolutely curb the resurgence of "excessive financialization" of real estate, truly reduce the debt ratio of real estate enterprises and the leverage ratio of residents to a relatively reasonable level, and realize a virtuous circle and healthy development of the real estate market.