Local Govts Start Subsidizing Home Buying Again

iFeng: 贷款额度提升、买房补贴现金…楼市要“闹哪样”?
Phenomenon I, Yangzhou: The accumulation of provident fund loans from 350,000 to 500,000

There is not enough cash, the loan is coming together, the amount is too low, and you can only give up.

A similar situation is common to buyers, but it is really a hero.

This time, Yangzhou acts!

On October 8, Yangzhou issued a document and decided to restore the maximum amount of housing provident fund loans from 350,000 yuan to 500,000 yuan from October 15, 2019.

From 350,000 to 500,000, this range is not small. For the just-needed group whose money is not plentiful, it is undoubtedly good news.
Suzhou, once a "hot" city subject to strict controls, is handing out cash subsidies:
Phenomenon 2, Suzhou: the first suite to subsidize 20,000 yuan

Buying a house for cash subsidies? Yes, you didn't get it wrong! At present, there is already a place to do this.

On October 8th, the Housing and Urban-Rural Development Bureau of Suzhou City, Anhui Province issued the "A Letter on Promoting the Popularization of Agricultural Population to the People of the City", proposing that the agricultural transfer population purchase the first set of commodity housing in the main city and handle the real estate registration certificate. And settled in, and gave full financial subsidies to the deed tax paid.

In addition, the laborer signed a one-year and above labor contract and continuously paid social insurance for half a year or more, in line with the corresponding conditions, and purchased the first set of commercial housing in Suzhou City and settled the certificate, and granted a subsidy of 20,000 yuan for housing purchase.

Although the subsidy of 20,000 yuan is not too much, don't forget that compared with some hot cities, the price of Suzhou is not high. Moreover, compared with other cities, high-education people are required to purchase housing subsidies, and Suzhou workers are included in the scope of subsidies!
The article states this is not a general easing, that housing policy is still "one city, on policy" where local conditions play the largest role.
First of all, the strength of the property market regulation has not been reduced. Statistics show that in September, the number of national real estate regulation and control policies was published up to 48 times. In the first nine months, the total number of real estate regulation and control was 415 times, and the intensity reached a new historical record. From these figures of regulation, there is no sign of the relaxation of the property market.

Secondly, the general direction of protecting those who just need to buy a home has not changed. Whether it is the change in the amount of the provident fund loan in Yangzhou or the cash subsidy for the first home purchase in Suzhou, it is actually protecting the interests of the newly purchased houses, rather than stimulating the real estate market. This kind of thinking is the general direction of the property market regulation. It has not changed in the past. It has not changed now, and the future will not change.

Once again, the idea of ​​"one city, one policy" has been insisting. Under the positioning of housing and not speculation, the real estate market is constantly stabilizing, and all parties are expected to mature and rational. While some cities have fine-tuned their regulatory policies, some cities are also over-regulating. On September 30th, Hohhot issued a series of control and combination boxing, including raising the proportion of down payment for the second suite, implementing the melting mechanism of land transactions, and setting up a price validation team.

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