Since 20 19, under the background of "living without speculation", tightening financing and not relaxing the purchase restriction policy are still the main themes of real estate policy. From the perspective of various places, according to the specific situation of the property market, targeted policies have been introduced, including fine-tuning the talent purchase restriction policy and adjusting the housing provident fund policy, which embodies the characteristics of "policy for the city". At the same time, collective land entered the market and ushered in a policy breakthrough. In terms of regional development, the integration planning of Guangdong-Hong Kong-Macao Greater Bay Area and the Yangtze River Delta has become the highlight of regional development this year. ?

1 Financing tightening?

In April this year, the the Political Bureau of the Communist Party of China (CPC) Central Committee Conference released a policy signal to tighten real estate financing. In May, the China Banking Regulatory Commission issued the Notice on Carrying out the Work of "Consolidating the Achievements of Chaos Control and Promoting Compliance Construction". In July, the National Development and Reform Commission required that foreign debts issued by housing enterprises can only be used to replace medium-and long-term overseas debts due in the following year, and the financing environment for overseas debt issuance by housing enterprises is tight. In August, a number of banks received guidance from the window, demanding that the loan amount for real estate development be controlled at the level of 2065438+the end of March 2009. From the perspective of the whole year, the National Development and Reform Commission, the Central Bank and China Banking and Insurance Regulatory Commission successively released signals to strengthen supervision over financing links such as real estate trust, overseas bond issuance by housing enterprises and bank real estate business. ?

Comments: The tightening of financing policy is the embodiment of real estate regulation and control policy on the financial side, tightening the "money bag" of housing enterprises to prevent financial risks. ?

2 adjust the shed reform policy in many places?

During the "two sessions" on 20 19, the goal of shed reform was lowered in many places. According to the "Three-year Plan for New Shed Renovation", from 20 18 to 2020, 50,000 sets of shanty towns will be renovated. After 20 18, the target of shed reform in 20 19 and 2020 is expected to be 9.2 million sets, with an average of 4.6 million sets per year, which is lower than the previous target. At the same time, in 20 19, the government cancelled the mode of purchasing shed reform, and encouraged CDB and Agricultural Development Bank to continue to lend money to shed reform projects to make ends meet. ?

Comments: To implement the shed reform policy according to local conditions, we should do what we can. ?

3. Frequent targeted talent policies?

Since the beginning of this year, nationwide, more than 160 cities have issued various talent policies, an increase of more than 40% compared with 20 18. Most of the talent policies in cities are related to housing policies, including relaxing the qualifications for buying houses, adjusting the conditions for purchase restrictions, and increasing subsidies for buying houses and renting houses. ?

In addition, more than 30 cities have successively introduced new settlement policies, including Guangdong, Heilongjiang, Zhejiang and Jiangxi provinces. Tianjin, Shenzhen, Guangzhou, Foshan, Chengdu, Xi, Nanjing, Ningbo, Maanshan, Changsha and other cities have made regulations on talent policies and housing sales. ?

Comments: Under the background of "house owners don't speculate", as more cities "directionally" relax the restrictions on the purchase of talents, the impact on the property market is getting smaller and smaller. ?

4 promote the transformation of old communities?

This year's "Government Work Report" has made arrangements for the transformation of old urban communities. The Ministry of Housing and Urban-Rural Development, together with the Development and Reform Commission and the Ministry of Finance, jointly issued the Notice on Improving the Renovation of Old Residential Areas in 20 19 to comprehensively promote the renovation of old urban residential areas. On July 1 day, Yan Huang, Vice Minister of Housing and Urban-Rural Development, said that it was necessary to comprehensively promote the renovation of old urban residential areas, including promoting local innovative renovation methods and financing mechanisms. According to the idea of "owner-led, community-led, government-led, and support from all sides", we will raise funds for renovation through various channels such as "residents give a little, social support a little, and financial subsidies a little". ?

Comments: The renovation of old residential areas is a livelihood project, which has improved people's living conditions. ?

5 collective land entering the market?

In August this year, the 12th meeting of the 13th the National People's Congress Standing Committee (NPCSC) voted to adopt the decision on amending the Land Administration Law of the People's Republic of China and the Urban Real Estate Administration Law of People's Republic of China (PRC). Among them, the entry of collective construction land into the market is the biggest highlight of the revision of the land management law. It is stipulated that rural collective construction land can be directly used by units or individuals other than rural collective economic organizations in the form of transfer or lease, provided that it conforms to the planning, is registered according to law and is agreed by more than two-thirds of the members of the collective economic organizations. ?

Comments: The new "Land Management Law" abolished the dual system that collective construction land could not directly enter the market for many years, and removed the institutional obstacles for the integrated development of urban and rural areas. ?

6 Shenzhen adjusts ordinary housing standards?

In June165438+1October1,Shenzhen adjusted the identification standard of ordinary houses: for houses with plot ratio above 1.0 and single building area below 144 square meters, such ordinary houses are exempt from value-added tax for two years. Shenzhen Housing and Construction Bureau said that the adjustment of ordinary housing standards will not affect the real estate regulation and control policies. ?

The previously applicable Shenzhen standard for ordinary commodity housing was promulgated and implemented in 20 15. Among them, ordinary houses enjoying preferential policies should meet the following three conditions at the same time: the floor area ratio of residential buildings should be above 1.0; The construction area of a single house is below 120 (inclusive) square meters or below 144 square meters; The actual transaction price is lower than the standard of ordinary housing price in this region (the upper limit in different regions is between 2 million yuan and 4.9 million yuan). With the change of the real estate market situation, the standard of ordinary commodity housing does not match the reasonable housing demand of residents. ?

Comments: With the change of the situation, adjust the identification standard of ordinary houses in time to reduce the burden of buying houses for ordinary people. ?

7 Guangdong-Hong Kong-Macao Greater Bay Area Planning Outline released?

On February 6th this year, the Central Committee and the State Council issued the Outline of Guangdong-Hong Kong-Macao Greater Bay Area Development Plan, which aroused strong social concern. Obviously, building Guangdong-Hong Kong-Macao Greater Bay Area into a world-class urban agglomeration is conducive to enriching the practical connotation of "one country, two systems", further strengthening exchanges and cooperation between the Mainland and Hong Kong and Macao, providing more opportunities for the economic and social development of Hong Kong and Macao and the development of Hong Kong and Macao compatriots in the Mainland, further deepening reform and opening up, establishing a new open economic system in line with international standards, and building a new platform for high-level participation in international economic cooperation. ?

Comments: new height, new opening, new blueprint. ?

8. Has the Yangtze River Delta integrated development plan been released?

65438+February 1, the Central Committee and the State Council issued the Outline of Regional Integration Development Plan of the Yangtze River Delta. It is clearly stated that by 2025, substantial progress will be made in the integrated development of the Yangtze River Delta. Cross-border, urban and rural areas and other regional plates have achieved a high level of integrated development, basically achieving the integrated development of science and technology industries, infrastructure, ecological environment, public services and other fields, and comprehensively establishing an institutional mechanism for integrated development. ?

Comments: The integrated development of the Yangtze River Delta ushered in new opportunities. ?

9 adjust housing provident fund loans in various places?

Since the beginning of this year, under the guidance of the policy of "making policy according to the city", various localities have adjusted their housing provident fund loan policies. For example, in May, Xi suspended the purchase of houses outside Xi and lowered the maximum amount of provident fund loans to 15 times; In September, Wuxi further tightened the amount of provident fund loans, and the maximum personal loan amount was reduced to 300,000 yuan; In February 65438, the loan amount of Zhengzhou housing provident fund increased from 600,000 yuan to 800,000 yuan. However, some cities have also adjusted the conditions of provident fund loans. For example, in June of this year, 5438+ 10, Changsha issued a new housing provident fund policy, which stipulated that you must deposit 1 year before you can apply for a loan. ?

Comments: The adjustment of housing provident fund loan policy is also a part of real estate control policy. ?

10 develop the housing rental market?

In July, the Ministry of Finance and the Ministry of Housing and Urban-Rural Development released the list of short-listed cities supported by the central government to develop the housing rental market in 20 19, making it clear that six cities including Beijing and Changchun19 entered the pilot scope of the central government to support the development of the housing rental market in 20 19. Wang, Minister of Housing and Urban-Rural Development, said at the press conference that it is necessary to vigorously develop and cultivate the housing rental market, sum up and promote the experience of 12 urban housing rental pilot, implement various support policies, increase the effective supply of rental housing, and strive to solve the housing problems of new citizens and other groups. ?

Comments: Rent and purchase simultaneously, "two legs" to solve the housing problem.