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a shenzhen real estate agency was still responding to customer inquiries at 4 a.m. photo by reporter chen ronghao

"starting at 9 o'clock this morning, we received three waves of house-viewers in one hour." ms. zhao, the landlord in pudong, shanghai, told a reporter from the "daily economic news" (hereinafter referred to as the reporter or reporter) on september 30: "originally, i after thinking about it, i signed the contract for 2.2 million yuan, and now i want to sell it for 2.4 million yuan.”

late at night on september 29, the central bank and the state financial supervision and administration bureau announced that commercial personal housing loans will no longer distinguish between first and second homes, and the minimum down payment ratio will be unified to no less than 15%. at the same time, the central bank also clarified that in principle, all commercial banks should implement batch adjustments to the interest rates of existing mortgage loans (including first homes, second homes and above) before october 31, 2024.

immediately afterwards, the three first-tier cities of shanghai, guangzhou and shenzhen all announced optimization of real estate policies.

among them, shanghai's new policy mainly includes: non-shanghai registered households and singles can buy houses outside the outer ring road after one year of social security; if their residence permit points reach 120 points, and they have three years of social security, they can enjoy the house purchase treatment of shanghai-registered families, and they can buy 2 a house; those who work in lingang new area and have job-housing separation can buy one more house in lingang; the down payment ratio for the first house is not less than 15%, and the down payment ratio for the second house is not less than 20%; the value of individual housing sales increases the tax period is changed from 5 to 2; the standard for identifying ordinary residences below 144 square meters is cancelled.

guangzhou announced that starting from september 30, households with household registration, non-household registration, and single persons purchasing housing in the city will no longer be subject to review of home purchase qualifications, and there will no longer be restrictions on the number of housing units purchased. shenzhen's new policy stipulates that one can purchase one more house in non-core areas of shenzhen's household registration. one-year social security is required for buying a house in non-core areas of shenzhen's household registration, and no social security is required for buying a house in non-core areas. the value-added tax period for personal housing sales is "replaced from 5 to 2"; the first and second homes are reduced. set the down payment ratio; cancel sales restrictions and let developers set their own prices.

under a series of favorable real estate policies, both a-shares and hong kong stocks continued to rise on september 30, especially the real estate sector, which experienced a collective surge. on that day, "daily economic news" reporters immediately visited the real estate markets in shanghai, guangzhou and shenzhen to understand the actual impact of this wave of new policies on the local property markets.

photo by reporter bao jingjing of shanghai poly langyu marketing center

1

shanghai: the market was already boiling on the night of the new deal

the day after the new deal was announced, the shanghai market responded enthusiastically.

many second-hand housing agents told reporters that the new policy is more beneficial to homes that originally exceeded 144 square meters, as well as houses with property certificates of less than five years. there will be little change in the working days before the holiday, and we still need to wait for the details to come out. "due to the new policy, the schedule for viewing and window transactions is full."

in fact, according to every reporter's observation, the market has long expected the new deal. on september 27, many new housing projects in shanghai were sold out upon opening. among them, the longhu guancui project in the outer suburbs opened for the first time and sold for 1.5 billion yuan in 3 hours.

after the new policies came out in shanghai, suburban projects in shanghai took the lead in becoming popular. the number of inquiries for the china railway construction huayu qianwan project in the huacao section of minhang district has surged. a real estate consultant on the project told reporters that after the new policy was introduced, many home buyers called for consultation, and customers who were hesitant before also came to inquire again.

"all my colleagues worked overtime last night to contact customers. not many people came today. customers directly transferred money online to book rooms. there will definitely be more promotions during the national day."

photographed by reporter liu songhui of china railway construction huayu qianwan daily in shanghai

the reporter saw at the scene that since it was a working day, the sales office of china railway construction huayu qianwan was not very busy. there were a few groups of home buyers next to the sand table making inquiries. a staff member at the site said that the number of visitors was about the same as the previous day. it usually receives more than 30 groups of people on weekdays, and only doubles on weekends.

"there will definitely be a lot of people during the national day holiday tomorrow, so some colleagues will take some time off today. we will definitely increase the reception staff tomorrow. the main task today is to prepare for sales during the national day."

at a real estate agency store near caoying road, mr. luo, the agent, took a home buyer directly to view a new property. according to him, this home buyer works near qixin industrial park. he sold his old house in the inner ring of huangpu district in july. he has been looking at houses in the two months since he arrived here, but has not made a decision yet. he is just waiting. real estate policy. as soon as the new policy came out, this house buyer decided to increase the original house purchase budget of 5 million yuan to 7 million yuan.

"originally, the down payment was sufficient, but this home buyer lacked confidence in the real estate market and borrowed less for fear that the value would depreciate too much after the purchase." mr. luo said that now customers of new homes have stronger purchasing confidence and want to buy larger units. , some second-hand landlords have begun to adjust prices, and the total price has increased by hundreds of thousands of yuan. "although i don't think it is necessary to increase prices, there are indeed such landlords."

poly langyu, an improved project located in the inner ring of shanghai, had two apartments booked the same night after the new policies came out. xiao zhang, a real estate consultant for the project, told every reporter: "as soon as the policy came out, the customer quickly made a decision. he transferred money online at 12 o'clock in the evening and booked a 99-square-meter house and a 140-square-meter house."

the reporter also met two groups of house buyers who came to view the house at the project site. one group was visiting for the first time, and another group of families came specially to sign the house purchase contract. this also made the sales office site look quite tense. lively.

xiao zhang said frankly that some customers have been here before and have pretty much seen the house type, area and orientation, but they have been waiting and watching. after the policy comes out, some gifts and preferential measures may be withdrawn next month. these customers may also be afraid of changes in real estate discounts, so they make quick decisions.

at the jing'an xiyue project site located in jing'an district in the city center, new customers are also constantly visiting. according to the reporter’s understanding, the project has been launched for some time, and the second phase will be launched after the national day. the real estate consultant also revealed to reporters: "the prices of small and medium-sized units of 98 square meters in the second phase will definitely increase."

photo by reporter bao jingjing of shanghai jing’an xiyue marketing center

"currently, the sales volume of new homes outside the outer ring road in shanghai accounts for more than 70% of the city's total, and the second-hand housing market accounts for more than 50%. this time, shanghai has significantly optimized the purchase restriction policy outside the outer ring road, which is expected to increase the activity of the market outside the outer ring road. "chen wenjing, policy research director of the china finger research institute, pointed out to every reporter.

2

guangzhou: national day sales volume halved year-on-year

as the first first-tier city to completely cancel the purchase restriction policy, guangzhou’s new policy has a higher demonstration effect.

after the introduction of guangzhou's "5·28 new deal", it did have a certain boost to market transactions, but it did not have a long-term effect. cric statistics show that in the first eight months of this year, guangzhou’s residential market capacity (new homes + second-hand homes) fell by 14% year-on-year. policies have limited help in transaction transactions, and market demand capacity has been further compressed. second-hand houses have high price sensitivity and are the first to enter the downward channel, and the price decline is far greater than that of new houses.

on september 30, a real estate company person in guangzhou told reporters that since that day was a working day, there was no particularly obvious increase in visits to the project, and it was still necessary to wait until the national day to observe the effect. "today is the first day of the new deal (after its introduction). guangzhou home buyers generally do not respond so quickly. the biggest impact of this comprehensive lifting of purchase restrictions should be to change market expectations."

however, as a traditional hot-selling node, developers still prepare preferential promotions for the national day holiday. the reporter learned from guangzhou vanke that during the national day, vanke’s huangpu new city, metropolis four seasons, zengcheng vanke city and other projects have coupon discounts, with each discount ranging from 20,000 to 50,000 yuan. among them, the group purchase of the four seasons project in the city can enjoy an additional house purchase gift package of up to 160,000 yuan, and the old and new owners of the zengcheng vanke city project will receive an additional iphone 16 after completing the transaction.

photo provided by interviewees at the longhu yujing lake project in panyu, guangzhou

the relevant person in charge of longfor guangzhou·yuhujing told reporters that after adding various stimulus policies of the central bank, customer responses showed a diversified trend, and the number of house viewings increased significantly. with the recovery of customer confidence and the increase in house inspections, activity in the regional sector has also increased, and the market atmosphere has gradually recovered.

however, the above-mentioned person in charge also said that despite the continuous favorable policies, some home buyers still have a wait-and-see attitude. they are worried that house prices may fluctuate again in the future, so they choose to continue waiting for a better time to enter the market. "in addition, although the reduction in down payment ratio has lowered the threshold for home purchase, it also means an increase in loan amount. some home buyers are worried about greater loan repayment pressure in the future, so they are more cautious when making home purchase decisions."

in addition, the reporter learned from yuexiu guangzhou that the number of visitors to yuexiu guanyue project has increased significantly recently, with a 50% increase in reception compared to normal times, and the number of new visitors to yuexiu wanbo city has increased to a certain extent.

"after the cancellation of the only purchase restriction threshold, guangzhou has become the only city among the four first-tier cities that has completely opened the door to purchase restrictions and loan restrictions." xiao wenxiao, chief analyst of cric's guangzhou-foshan region, said in an interview with a reporter. it seems that the two major tasks of the guangzhou property market are still "destocking" and "structural adjustment". therefore, the policy effect will first be reflected in the increase in popularity of the property market during the national day golden week, and the sustainability of the subsequent recovery will depend on economic fundamentals. by constantly providing positive feedback, it will take some time to return to the track of healthy and stable development.

"overall, after the political bureau meeting of the central committee set the tone, the short-term goal of stabilizing the real estate market has been established, and the confidence of all parties in the market will gradually recover." xiao wenxiao added.

according to cric statistics, as of the 38th week of this year (september 16th to 22nd), the stock area of ​​commercial housing in guangzhou dropped slightly to 11.616 million square meters, and the sales cycle increased slightly to 20.79 months from the 37th week of this year.

according to monitoring by the guangzhou zhongyuan research and development department, during this year’s national day holiday, 13 first-hand residential properties were launched or launched in guangzhou, totaling 1,493 units. the number of listings decreased by 12 compared with last year’s national day holiday, and the total number of listings decreased by 53%.

3

shenzhen: i haven’t been this crazy for a long time!

on the night when the new shenzhen property market was released, real estate agent tang yong only slept for 4 hours. the strength of the new property market policy and the market response were beyond his expectations.

"customers across the country can now buy houses in non-core areas of shenzhen without social security and household registration, and the down payment is only 15%." tang yong told reporters on september 30 that because many potential customers have their own needs to buy houses, the policy is now in place this further stimulates the determination of these home buyers to enter the market.

"it's been a long time since i've been this crazy!" tang yong took out his mobile phone and pointed at the customer source maintenance clues on the mobile app, which showed that there were still customers inquiring about buying a house after 4 a.m.

even though the day after the new policy was introduced was a working day, there was still a significant increase in the number of people viewing houses at some sales offices. at the project site of hongrongyuan jiayu mansion, the waiting area is basically full of home buyers. the on-site real estate consultants were very busy. xiao liu, the project real estate consultant who received the reporter, was calculating prices for the buyers while replying to various consultation messages on his mobile phone from time to time.

home buyers at the sales office of hongrongyuan jiayu mansion celebrated the transaction. photographed by reporter chen ronghao

the reporter saw at the scene that in less than half an hour, two groups of customers had knocked on the "golden egg" for house purchase in the marketing center, which meant that two groups of customers had completed a transaction or paid a deposit for house purchase. around 11 a.m., the flow of people at the project site increased significantly again. xiao tangyong told reporters: "11 units have been sold today, and it is conservatively expected that more than 20 units will be sold that day."

in addition, every reporter also visited many real estate projects in shenzhen such as baoan and longhua. at the zhuoyi junyi mansion site located near longsheng metro station in longhua, real estate consultant xiao lu told reporters that the discount is expected to be recovered immediately. the project adopts a stepped selling method. the more transactions are completed, the smaller the discount will be. .

"if you can make a reservation on the day, you can enjoy 30% off, 95% off, 92% off and other superimposed discounts. the overall profit is almost 13 points." xiao lu said that generally the prices of different floors and buildings will be different. the relative discount for those who get on board first will be larger. when the houses are almost sold and the pressure to sell the project is not so great, the corresponding discount will be gradually recovered.

take a mid- to high-rise three-bedroom apartment of 89 square meters as an example. the original price was 4.96 million yuan, and the total price after discount was 4.35 million yuan, which is equivalent to a 120% discount on the opening price. xiaotang sent a message to reporters at 3 p.m. that day: "the house you were looking for has been booked. as of 15:00 that day, 10 units have been sold."

the scene at the sales office of hongrongyuan jiayu mansion was photographed by reporter chen ronghao

at the house inspection site, agent xiao wang also listed the actual situation of some home buyers: "among the buyers who completed the transaction today, several of them had visited the project before and were originally hesitating between second-hand houses and our new house project. . but after the policy came out, some second-hand house owners immediately started to increase their prices. later, when they heard that our project would also take back the discount in the near future, they immediately came to complete the transaction that day. "

"for example, a client i received before originally planned to buy a 66-square-meter two-bedroom apartment in nanshan nord holiday garden. the owner initially listed it for 5 million yuan, but the owner could only offer 4.7 million yuan. according to the previous market conditions, large the probability was finalized, but after the new policies came out, the owner decided not to sell. now the lowest price for a house of the same area in the community is 5.2 million yuan. because of this, some buyers have to turn their attention to the new home market. ." tang yong said.

at the sales office of zhongzhou yingxi garden in longhua district, golden eggs and fragments of fireworks were scattered on the ground.

real estate consultant xiao xu's mobile phone messages are almost never interrupted. while talking to reporters, he opened a wechat group chat: "look, another customer has made a reservation and paid a deposit over the air."

"the overall market this month is not very good. this project only sold more than 20 units, but this morning more than a dozen units were sold." xiao xu told reporters: "a total of 265 units are for sale. according to this situation, , selling for one month during the national day, it’s almost enough to clear the end of november and december.”

xiao xu takes an 8-story, 97-square-meter house as an example. the registered price is about 6.83 million yuan, and the total price after discount is 5.8 million yuan, which is equivalent to a 15% discount. and for every higher floor, the total price will increase by several thousand to ten thousand yuan.

photographed by reporter kong zesi at the sales department of shenzhen hongfa yuejianhefu project

from the words, the reporter can feel the sales staff's confidence in the sale. xiao duo said many times that the project discounts will only become less and less. "to put it bluntly, it's hard to sell things if you can give them away, so developers do this. because after the new deal came out, many developers have already taken discounts."

hongfa's yuejian hefu project is also ready for the national day golden week. the company has prepared 10 sets of preferential houses at a 13% discount on the registered price. it was originally expected to be launched on october 1, but after the introduction of the new policy, several of them have already been sold by customers. get it in advance.

xiao zheng, a salesperson for the project, told reporters that there are currently no purchase restrictions in longhua district, which is a good thing for customers who just need it. with the relaxation of policies, many customers who originally waited and watched began to enter the market. some customers directly transferred to the market on the evening of september 29. come over with the deposit.

xiao zheng said that the second phase of the project will be launched in may this year, and the price per square meter will be about 3,000 yuan cheaper than the first phase of the project that was launched last year. those who pay the purchase price in one go at the opening will be given a 10% discount, and the loan will be given a 92% discount. he reminded reporters that small apartments of more than 90 square meters are currently very popular, and the lowest discount can be given at 16% off the registered price.

both salespeople mentioned that the stock market played an important role in driving real estate sales, "many customers are now getting out of stocks because they are making money too fast, so customers don't hesitate much."