How effective is it? The Ministry of Housing and Urban Rural Development responded that within 10 days, at least 24 cities will implement house recognition but not loan recognition

Release time:Apr 16, 2024 20:32 PM

The transition from "recognizing a house but also recognizing a loan" to "recognizing a house but not a loan" is a result of the changes in the supply and demand relationship of China's real estate market over the past 13 years, as well as timely adjustments and optimizations at the policy level. According to incomplete statistics, at least 24 cities have fully implemented the policy of "recognizing houses but not loans" in the past 10 days. So, what changes are happening in the market with the implementation of policies? "News 1+1" connects with Pu Zhan, Deputy Director of the Policy Research Center of the Ministry of Housing and Urban Rural Development, to jointly pay attention to the implementation of "housing recognition but not loan recognition" and how effective is it?

How to view the background and timing of the policy of "recognizing houses but not loans"?

Pu Zhan, Deputy Director of the Policy Research Center of the Ministry of Housing and Urban Rural Development: The background can be seen from two aspects.

① From the development of the real estate market, it is well known that market sales rebounded significantly in the first quarter of this year. Due to various factors, market transactions have slowed down since April, and market expectations have shown signs of weakening.

② From the perspective of meeting the housing needs of residents, we are still in the second half of rapid urbanization development. Last year, our country's urbanization rate was 65.2%, and there is still room for development before the stable stage of urbanization. The corresponding rigid demand still has a relatively large increase. On the other hand, the group with housing in the city also has a significant need to improve living conditions, so from the perspective of meeting rigid and improvement needs, it is also an important background for policy implementation.

What is the impact of all four first tier cities joining the ranks of "recognizing houses but not loans"?

Pu Zhan, Deputy Director of the Policy Research Center of the Ministry of Housing and Urban Rural Development: After the national level introduced the policy of "recognizing houses but not loans", the four first tier cities of Beijing, Shanghai, Guangzhou, and Shenzhen have actively implemented the policy of "recognizing houses but not loans". From the development process of the real estate market in the past, the four first tier cities are actually hot spots in the real estate industry. They have a very obvious "wind vane" effect on surrounding cities and even larger regional cities, even the whole country. In addition, we should also see that with the development of the real estate market, especially at the current stage of development, the differentiation between cities is more significant. Since 2018, our real estate regulation policy has actually adopted a "city specific" and "one city one policy" regulatory mechanism. Under this mechanism, cities should combine the development of their respective real estate markets to improve, optimize, and adjust regulatory policies.

How will the benefits of "recognizing a house but not a loan" be released?

Pu Zhan, Deputy Director of the Policy Research Center of the Ministry of Housing and Urban Rural Development: After the policy was introduced, we are also closely observing. We believe that the overall market response is still positive. Market institutions have also conducted surveys. The survey shows that overall, the willingness to purchase a house can increase by approximately 15 percentage points nationwide, and the growth rate may be even higher in first tier cities. From the actual implementation of policies, we believe that there are still very obvious signs of active entry into the market for homebuyers with both rigid and improvement needs. According to research by some market institutions, there has been a significant increase in both the pending volume and transaction volume.

Optimization and adjustment, intensive introduction of policies in various regions

In addition to the policy of "recognizing houses but not loans", the central bank and other financial departments are also adjusting and optimizing differentiated housing credit, and reducing the interest rate of first-time housing loans. Recently, a series of optimization and adjustment of real estate policies have been continuously enriching the toolbox of policy regulation. What are the contents of the toolbox for implementing policies in different cities? Learn about poking videos ↓

How are local regulations being carried out due to the implementation of policies in different cities?

Pu Zhan, Deputy Director of the Policy Research Center of the Ministry of Housing and Urban Rural Development: With significant changes in the supply and demand relationship of China's real estate market, under the regulatory mechanism of implementing policies tailored to the city, local governments need to optimize and adjust policies based on changes in their own real estate market situation. According to our statistics on this round of real estate market regulation policies, more than 180 cities have implemented policy adjustments based on urban conditions, with a cumulative number of adjustments reaching over 350 times. I think everyone is also very concerned about the adjustment of purchase restrictions. In fact, the number of cities that actually implement purchase restrictions is still very small. In this round of real estate market development, most cities have also optimized and adjusted purchase restrictions, such as adjusting the areas and years of purchase restrictions.

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