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单身视同家庭、外环外不限套数!上海楼市新政→
第一财经· 2025-08-25 05:26
Core Viewpoint - The recent policy adjustments in Shanghai's real estate market aim to stabilize and promote growth, responding to market expectations and enhancing buyer confidence, particularly in the upcoming traditional sales season of "Golden September and Silver October" [3][11]. Group 1: Housing Purchase Policies - The new policy allows single individuals to have the same housing purchase qualifications as families, enabling them to buy homes without restrictions in areas outside the outer ring of Shanghai [5]. - Residents with Shanghai household registration and those who have paid social insurance or income tax for over a year can purchase unlimited homes outside the outer ring, while those within the outer ring are limited to two homes [5]. - Non-Shanghai residents can also purchase homes outside the outer ring without limits if they have paid social insurance or income tax for over a year, and are limited to one home within the outer ring if they have paid for over three years [5]. Group 2: Housing Fund and Loan Policies - The policy increases the maximum housing fund loan limit for first-time buyers of green buildings by 15%, raising the limit from 1.6 million to 1.84 million yuan, and for families with multiple children from 1.92 million to 2.16 million yuan [6]. - The policy supports the withdrawal of housing funds for down payments without affecting the loan limit calculation [6]. - The adjustment of commercial housing loan interest rates will no longer differentiate between first and second homes, which is expected to lower monthly payments significantly for second homes [9][10]. Group 3: Market Impact and Expectations - Analysts believe the new policies will alleviate market anxiety and stimulate demand, benefiting both first-time and upgrading buyers [9][11]. - The removal of interest rate differentiation for first and second homes is anticipated to release more demand for improved housing options, with significant reductions in monthly payments for second homes [9][10]. - The overall sentiment in the Shanghai real estate market is expected to improve, with new and second-hand homes seeing increased activity due to the favorable policies [11].
刚刚!上海发布楼市新政
Wind万得· 2025-08-25 04:30
上海市住房城乡建设管理委、市房屋管理局、市财政局、市税务局、人民银行上海市分行、市公积金管 理中心等六部门8月25日联合印发《关于优化调整本市房地产政策措施的通知》,包括调减住房限购、 优化住房公积金、优化个人住房信贷以及完善个人住房房产税等政策。《通知》自2025年8月26日起施 行。 完善个人住房房产税政策,为衔接优化住房限购政策,《通知》规定对符合条件的非本市户籍居民家庭 购买的第一套住房暂免征收房产税;购买的第二套及以上住房在合并计算家庭全部住房面积后,给予人 均60平方米的免税面积扣除。由于个人住房房产税按年征收,因此2025年1月1日起符合条件的购房者可 享受本条政策。 为加大公积金支持住房消费力度,《通知》规定优化住房公积金政策。 一是提高个人住房公积金贷款额度。对缴存人购买二星级及以上新建绿色建筑住房的,住房公积金(含 补充公积金)最高贷款额度上浮15%。首套最高贷款额度从160万元提高至184万元,多子女家庭首套上 浮比例可叠加计算,从192万元提高至216万元;二套最高贷款额度从130万元提高至149.5万元。 二是支持提取住房公积金支付购房首付款。对缴存人购买我市新建预售商品住房的,可以 ...
北京楼市环比转增,同比仍弱
HUAXI Securities· 2025-08-16 12:41
1. Report Industry Investment Rating No relevant information provided. 2. Core Viewpoints of the Report - The real - estate market in Beijing showed a positive signal with an increase in the first - week transaction volume after the policy implementation, but the policy's sustainability remains to be observed. The policy intensity in Beijing is between that of Guangzhou and Shanghai. The key lies in whether the market heat can continue and if the transaction volume can stabilize at a higher level after the low - base effect fades [4][5]. - Overall, the real - estate market still faces challenges, with both second - hand and new - home transactions showing a mixed performance in different cities and city - tiers, and the year - on - year decline in transactions being a common phenomenon [1][2]. 3. Summary by Related Catalogs 3.1 Second - hand Housing Market - **Overall Situation**: In the week from August 8 - 14, the second - hand housing transaction area in 15 cities was 1.9 million square meters, with a 4% week - on - week increase and a 4% year - on - year decrease, having declined for ten consecutive weeks. From August 1 - 14, the year - on - year decrease was 3%, slightly better than July's - 5% [1]. - **By City - Tier**: - **First - tier Cities**: The week - on - week transaction area increased by 8% after a decline, and the year - on - year increase was 4% after eight consecutive weeks of decline. Beijing, Shanghai, and Shenzhen increased by 17%, 3%, and 3% respectively week - on - week. Year - on - year, Shenzhen and Shanghai increased by 9% and 6% respectively, while Beijing remained flat [1]. - **Second - tier Cities**: After three consecutive weeks of decline, the week - on - week transaction area increased slightly by 1%. Some cities like Hangzhou and Xiamen increased, while others like Nanning and Qingdao decreased. Year - on - year, the decline was 8% [2]. - **Third - tier Cities**: After two consecutive weeks of decline, the week - on - week transaction area increased slightly by 4%. Some cities like Dongguan and Foshan increased, while others like Yangzhou and Jiangmen decreased. Year - on - year, the decline was 12% [2]. 3.2 New - home Market - **Overall Situation**: In the week from August 8 - 14, the new - home transaction area in 38 cities was 1.84 million square meters, with a 1% week - on - week decline and a 15% year - on - year decrease, having declined for ten consecutive weeks. From August 1 - 14, the year - on - year decrease was 14%, slightly better than July's - 17% [2]. - **By City - Tier**: - **First - tier Cities**: The week - on - week transaction area decreased by 2% after two consecutive weeks of decline, and the year - on - year decline was 34%. Beijing increased by 53% week - on - week, while Shanghai, Guangzhou, and Shenzhen decreased. Year - on - year, all cities decreased, with Shenzhen having the largest decline of 57% [3]. - **Second - tier Cities**: The week - on - week transaction area decreased by 9% after two consecutive weeks of decline. Some cities like Hangzhou, Suzhou, and Jinan increased, while others like Qingdao, Wuhan, and Chengdu decreased. Year - on - year, the decline was 12% [2][3]. - **Third - tier Cities**: The week - on - week transaction area increased by 17%. Some cities like Meishan, Quzhou, Foshan, and Wenzhou had significant increases. Year - on - year, there was a 4% increase [3]. 3.3 Key City Observations - **First - tier Cities**: - **Second - hand Housing**: In the week from August 8 - 14, the transaction area in Beijing, Shenzhen, and Shanghai increased week - on - week. Compared with last year's peak, Beijing, Shenzhen, and Shanghai's weekly transaction volumes were 58%, 46%, and 61% of the peak respectively. Year - on - year, Shanghai and Shenzhen increased, while Beijing was flat [24]. - **New - homes**: In the week from August 8 - 14, Beijing increased by 53% week - on - week, while Shanghai, Guangzhou, and Shenzhen decreased. Compared with last year's peak, all cities were at a low level. Year - on - year, all cities decreased, with Shenzhen having the largest decline [24]. - **Other Key Cities**: - **Hangzhou**: In the week from August 8 - 14, the second - hand and new - home transaction areas increased by 13% and 26% respectively compared with the previous week, equivalent to 48% and 11% of the 2024 peak [25]. - **Chengdu**: In the week from August 8 - 14, the second - hand housing transaction area increased by 7%, and the new - home transaction area decreased by 4%, equivalent to 52% and 39% of the 2024 peak [25]. 3.4 Housing Price Observation - **Second - hand Housing in First - tier Cities (July)**: The price index decreased by 1.0% month - on - month, with the decline expanding compared to June. Year - on - year, it decreased by 3.4%, having declined for 26 consecutive months since June 2023. Guangzhou had a relatively high year - on - year decline of 6.0%, while Beijing, Shenzhen, and Shanghai decreased by 2.9%, 2.5%, and 2.2% respectively [54]. - **New - homes in First - tier Cities (July)**: The price index decreased by 0.2% month - on - month. Year - on - year, it decreased by 1.1%, with the decline narrowing. Since December 2023, it has declined for 20 consecutive months. Guangzhou, Beijing, and Shenzhen decreased, while Shanghai increased [54].
北京楼市新政执行,看房人多起来了
Sou Hu Cai Jing· 2025-08-10 08:17
Group 1 - The core viewpoint of the article is that Beijing's housing purchase restrictions are undergoing a new round of adjustments, specifically allowing unlimited purchases outside the Fifth Ring Road for qualified buyers [1] Group 2 - Following the policy announcement, there has been an increase in foot traffic at various housing projects in areas such as Changping, Chaoyang, and Daxing, indicating a positive market response [2] - The new policy is expected to benefit the new housing market significantly, particularly in areas outside the Fifth Ring Road, where over 80% of new residential sales occurred from January to July this year [2] - The impact of the policy will vary by location, with areas like Haidian, Chaoyang, and Yizhuang, which have a concentration of industries and potential buyers, likely experiencing a more pronounced effect [2]
重磅!北京放开五环外住房限购,加大公积金政策支持力度,“风向标”将如何影响楼市?
Hua Xia Shi Bao· 2025-08-09 01:53
Core Viewpoint - Beijing has relaxed housing purchase restrictions for families buying properties outside the Fifth Ring Road, aiming to stimulate the real estate market and improve living conditions [3][4]. Policy Adjustments - From August 9, families meeting certain criteria can purchase an unlimited number of properties outside the Fifth Ring Road, while the existing restrictions for properties within the Fifth Ring remain unchanged [3][4]. - The new policy allows single adults to purchase properties under the same restrictions as families [3]. Housing Fund Support - The new regulations enhance support for housing provident funds, expanding the eligibility for first-time homebuyers and increasing loan limits for second homes [6][7]. - The maximum loan amount for second homes has been raised from 600,000 to 1,000,000 yuan, supporting demand for improved housing [6]. Market Impact - The policy is expected to positively influence the market, particularly in areas outside the Fifth Ring, where over 80% of new residential sales occurred in the first seven months of the year [4][5]. - The adjustments are seen as a strategic move to balance work and living conditions in the city, with potential ripple effects on the overall real estate market [3][8].
北京楼市政策大幅度调整,释放4大信号
Core Points - Beijing's housing policy has been significantly adjusted, allowing eligible families to purchase an unlimited number of properties outside the Fifth Ring Road starting from August 9, 2025 [1][3] - The adjustments include a relaxation of purchase restrictions and increased support for housing provident funds [3][4] Group 1: Policy Adjustments - The new policy allows Beijing residents and non-residents who have paid social insurance or individual income tax for at least 2 years to buy an unlimited number of properties outside the Fifth Ring Road [3][6] - The purchase restrictions for properties within the Fifth Ring Road remain unchanged, with Beijing residents limited to 2 properties and non-residents to 1 property if they have paid social insurance or taxes for at least 3 years [3][4] - The policy also includes provisions for single adults to follow the same purchase restrictions as families [3] Group 2: Housing Provident Fund Support - Borrowers with no housing in Beijing and no outstanding housing provident fund loans can apply for first-time housing provident fund loans [4][9] - For those using provident fund loans to purchase a second property, the maximum loan amount is set at 1 million yuan, with a minimum down payment of 30% [4] - Borrowers can obtain 150,000 yuan in loans for each year of provident fund contributions, with calculations based on the longer contribution period of married couples [4] Group 3: Market Implications - The policy aims to address the imbalance in housing supply and demand, particularly in the outer areas of Beijing, where a significant portion of new housing inventory is located [6][8] - Approximately 80% of new housing transactions are currently concentrated outside the Fifth Ring Road, indicating a potential increase in demand for these properties due to the new policy [8][9] - The adjustments are expected to stimulate market activity, encouraging developers to accelerate project construction and increase the circulation of second-hand properties [8][9]
1-6月统计局房地产数据点评:楼市量价调整,政策预期再启
NORTHEAST SECURITIES· 2025-07-16 08:43
Investment Rating - The report rates the real estate industry as "Outperform" [1] Core Insights - The real estate market is experiencing a decline in both sales volume and price, with a need for policy support to stabilize the market [2][5] - In the first half of 2025, the total sales area of commercial housing reached 460 million square meters, a year-on-year decrease of 3.5%, while the sales amount was 4.4 trillion yuan, down 5.5% year-on-year [2][10] - The report highlights a widening decline in real estate investment, with a total investment of 4.7 trillion yuan, down 11.2% year-on-year [3][18] - The number of cities with rising housing prices is decreasing, indicating a need for policy measures to stabilize prices [4] Summary by Sections Sales Performance - In June 2025, the sales area of commercial housing was 110 million square meters, with a month-on-month decline of 5.5%, and the sales amount was 1 trillion yuan, down 10.8% year-on-year [2][10] Supply Side - Real estate development investment decreased by 11.2% year-on-year, with residential investment down 10.4% [3] - New construction area was 300 million square meters, down 20.0% year-on-year, while completed area was 230 million square meters, down 14.8% [3][18] Funding Situation - Funds available for real estate companies totaled 5 trillion yuan, down 6.2% year-on-year, with domestic loans increasing by 0.6% [3][20] Price Trends - In June 2025, new home prices in 70 cities fell by 0.3% month-on-month, while second-hand home prices decreased by 0.6% [4] Policy Outlook - The report anticipates a new round of policy measures aimed at stabilizing the real estate market, including potential adjustments to purchase restrictions and efforts to reduce inventory [4][5]
湖北多地出招进一步激活楼市:购房门槛降至历史低位 补贴加码利率下调
Sou Hu Cai Jing· 2025-07-06 10:38
Core Viewpoint - The recent policy adjustments in Hubei's real estate market, including new measures in cities like Xiaogan and Jingmen, aim to invigorate the market and extend the duration of existing policies in Wuhan, thereby enhancing housing consumption and stabilizing the market [1][6]. Group 1: Xiaogan's New Policies - Xiaogan has implemented a new real estate policy effective July 1, which includes 12 measures such as personal home purchase subsidies, enhanced financial support, and promotion of high-quality residential construction [2]. - The home purchase subsidy policy continues to support families with multiple children, talents, model workers, military families, and non-local urban households, with some adjustments made to the subsidies [2]. - Financial policies have been revised to unify the minimum down payment ratio for commercial personal loans to no less than 15%, and the personal housing provident fund loan interest rate has been reduced by 0.25 percentage points [2]. Group 2: Jingmen's Market Stability Measures - Jingmen issued a policy on July 1 to maintain stability in the real estate market, featuring six major areas and nineteen specific measures [5]. - The policy includes a 100% subsidy on the contract tax for residents purchasing underground parking spaces, calculated at 1.2% of the land price for the area [5]. - For new commercial office purchases for non-operational use, individuals can receive a 50% subsidy on the contract tax [5]. Group 3: Wuhan's Policy Extensions - Wuhan's housing authority announced on June 30 an extension of certain real estate policy deadlines until December 31, 2025, including full tax rebates for first-time homebuyers [6]. - The "Han Nine" policies introduced in April have effectively addressed market needs, leading to a significant increase in new home sales, particularly in desirable central urban areas [6]. - The extension of policies is seen as a precise adjustment rather than a mere prolongation, with increased subsidies for first and second homes and a historically low threshold for home purchases [8]. Group 4: Market Response - There has been a notable increase in public interest in property viewings, with sales centers experiencing high foot traffic and consultations [8]. - The combination of new policies is expected to match the needs of first-time buyers and those seeking improved housing, potentially leading to a further release of housing demand as quality properties continue to evolve [8].
广州楼市,全面取消限购,意味着什么?
Sou Hu Cai Jing· 2025-06-13 19:56
Core Viewpoint - The recent announcement from Guangzhou to optimize real estate policies by fully lifting purchase restrictions, sales limits, and price controls is seen as a significant shift in the housing market dynamics, potentially leading to increased market activity and speculation about future price movements [1][3]. Group 1: Policy Changes - Guangzhou has released a draft opinion to boost consumption, which includes the complete removal of restrictions on real estate transactions, allowing buyers to purchase freely as long as they have the financial means [1]. - The cancellation of sales limits and price controls implies that sellers can set their own prices without restrictions, which could lead to varied market reactions [3]. Group 2: Market Reactions - There are mixed opinions among real estate professionals and commentators, with some suggesting that this is the last opportunity to invest in first-tier cities, while others warn of a potential wave of sell-offs [3][4]. - The lifting of restrictions is generally viewed as a positive development for the housing market, as it is expected to stimulate activity, although the actual impact on prices remains uncertain [4][6]. Group 3: Market Sentiment - The discourse surrounding the housing market is polarized, with some advocating for a bullish outlook while others predict a downturn, reflecting the ongoing debate about the implications of policy changes [3][6]. - The focus on whether the market will experience price increases or decreases is prevalent, but a shift towards a more rational market where housing is primarily viewed as a necessity rather than an investment could stabilize the situation [8].
帮主郑重:广州楼市王炸!限购限售全取消,中长线投资该咋看?
Sou Hu Cai Jing· 2025-06-13 05:21
再看市场反应。其实广州早在去年就试点放宽限购,当时120平以上的大户型就不限购了,还支持"卖一买一""租一买一",结果二手房成交量直接翻倍。 这次全面取消限购,相当于把所有限制都拿掉了,市场预期肯定更积极。就像三元里村的城中村改造,拆迁通知一出来,周边二手房挂牌价都跟着往上 蹿,这就是政策预期在起作用。 不过大家也别盲目乐观。虽然政策利好,但市场分化很明显。核心区像天河、越秀,房价一直稳如泰山,天河6月新房均价都到7.8万了,而且还有越秀地 产这样的国企在核心区拿地,说明开发商对中心区信心十足。但郊区就不一样了,黄埔、南沙的房价还在波动,尤其是那些远离地铁、配套不足的楼 盘,就算政策放宽,也很难有大起色。 各位朋友大家好,我是帮主郑重。今天广州楼市扔下一枚重磅炸弹,全面取消限购、限售、限价,还把首付比例和利率往下压,这波操作堪称"王炸组合 拳"。作为20年的老财经人,我得好好跟大家唠唠这背后的门道。 先说政策本身。这次广州直接把限购、限售、限价全砍了,首付比例和利率也跟着降,这相当于给楼市松了三道枷锁。尤其是公积金政策,现在既能提 钱付首付,又能接着贷款,这对刚需来说简直是雪中送炭。就拿一个买100万房子的年 ...