For some time, the real estate industry as a whole has entered a stage of steady development.However, in some cities there is still a problem of low rent-to-sale ratios. Many properties have become "zombie houses" that cannot be rented, rented or sold. Many new houses are difficult to sell due to strict sales restrictions, and they have become real estate companies. Indigestible "stock".How to revitalize the existing housing, open up the market channels for new housing, second-hand housing, and rental housing, and meet the housing needs of residents, has become a practical problem that needs to be solved in various places.
It is not difficult to find that supporting reasonable housing demand is the purpose of revitalizing the existing housing.In the face of the impact of factors such as the COVID-19 epidemic, various localities have recently introduced a series of related measures such as reducing the down payment ratio for house purchases, increasing the support of provident funds, lowering mortgage interest rates, and issuing house purchase subsidies to support rigid and improved housing needs and meet housing rents. demand for housing, and promote the steady and orderly development of the real estate market.The implementation of these policies aims to stimulate market vitality and boost market confidence. It also provides a useful reference for localities to revitalize the existing housing stock according to local conditions, release the vitality of the real estate market, and promote the healthy development of the real estate market.But at the same time, we should also grasp the main line of "housing, not speculating," and take multiple measures to meet the reasonable housing needs of residents as the fundamental purpose of policy formulation.
On the one hand, increasing the willingness to rent is the focus of revitalizing the existing housing.At present, whether it is renting or buying, meeting the residents' living needs is the first priority.On the premise that the existing real estate policies remain basically unchanged, all localities should increase the willingness of house owners to rent, so as to provide more housing supply for the rental housing market and solve the problem of supply.For example, it provides more convenience for online matching and offline transactions of housing resources, and builds a convenient and credible platform for rental houses and renters.
On the other hand, maintaining a reasonable rent-to-sales ratio is the key to revitalizing existing housing.At present, the main reason for the low willingness of house owners to rent is that the rent-to-sale ratio of houses is low, and the rent-to-sale ratio of houses in many cities in my country is still lower than a reasonable range.The renters generally believe that the current housing rent is high and expect it to be further reduced, which constitutes an inherent contradiction between the two parties.All localities should not only expand the supply of rental housing, but also be alert to the potential risks of reducing the liquidity of the rental market.When formulating relevant policies, the interests of both parties to the lease should be considered.
In addition, the introduction of supporting financial policies is an important activation method to revitalize the existing housing.Recently, the Central Bank and the China Banking and Insurance Regulatory Commission jointly issued the "Notice on Issues Concerning Adjustment of Differentiated Housing Credit Policies", which clearly adjusted the lower limit of the interest rate of commercial personal housing loans for the first set of housing to not less than the market quoted interest rate for loans of the corresponding period minus 20 basis points.For housing prices to develop in a stable and orderly manner, local governments need to implement appropriate financial policies, reduce down payment ratios, lower loan interest rates, etc., and implement good policies in a timely and efficient manner.All localities should also refer to the various innovative measures that have been introduced recently, combined with the actual situation of each city, and continue to introduce solutions tailored to local conditions to benefit enterprises and people, so that the real estate industry can be stable and long-term.
【Editor: Shi Rui】
