Taking Hangzhou as an example, in April 2018, the coordination group for the sustainable and healthy development of the real estate market in Hangzhou issued the notice on the implementation of the public sale of commercial housing notarization and lottery, which stipulates that from April 4, 2018, the new pre-sale licensed commercial housing projects within the urban area of Hangzhou shall be carried out by the notary agency entrusted by the real estate development enterprise in the form of notarization and lottery Sales work. So far, Hangzhou has started a new journey of house buying and house shaking.
Of course, Hangzhou is not the only city that is eager to rob people. Many cities have already added preferential purchase policies and other measures to the local talent introduction policies. According to the Securities Daily, in May alone, Ningbo, Zhengzhou, Guangzhou, Jinan and other cities successively implemented preferential measures in terms of talent settlement and house purchase subsidies.
There are speculators and lenders
Take the opportunity to participate
A careful observation of the ten thousand people network of Red Mansions shows that the robbed real estate has three common characteristics: low average price, great difference with the price of the surrounding second-hand houses, and short delivery period.
As for the group participating in the ten thousand people lottery, in addition to the just need, it also includes the speculators who are attracted by the first, the second-hand market price gap and who make money to buy. Therefore, in the face of the priority lottery good, many people want to be able to squeeze the camp of talents.
Taking Hangzhou as an example, in order to implement the regulation and control of the real estate market, Hangzhou launched the double limit system of limit land price and limit house price. From the results presented, the price of new houses is cheaper than that of the surrounding second-hand houses. The above-mentioned building named Yuanyang Xixi mansion, which is robbed by more than 60000 families, has an average sales price of 28000 yuan / square meter, which has a certain price difference with the second-hand house price of 35000 yuan / square meter to 40000 yuan / square meter in the surrounding area. That is to say, once the house of the building is purchased, there will be at least 7000 yuan of income per square meter.
Sisi (pseudonym), who lives in Yuhang District of Hangzhou City, told Securities Daily that the profits of nearly one million yuan (the building area of the house is 59 square meters to 190 square meters, calculated by the minimum net income of 59 square meters and 7000 yuan, the turnover can earn nearly 420000 yuan, and if the house type is large, the price difference will be higher) are Crazy for everyone, and a large number of families join in the chance Ranks, want to get almost risk-free arbitrage opportunities.
According to this estimate, the conversion rate of private lending has exceeded 50%. In response, Zhu Yiyi, a lawyer of Guohao (Shanghai) law firm, said in an interview with the Securities Daily that the civil code of the peoples Republic of China, which had just been approved by the vote, stipulates that usury is prohibited and the interest rate of loan shall not violate the relevant provisions of the state. In addition, Article 26 of the provisions of the Supreme Peoples Court on Several Issues concerning the application of law in the trial of private lending cases, which came into effect on September 1, 2015, determines that the interest rate agreed by both parties does not exceed 24% of the annual interest rate. If the lender requests the borrower to pay interest at the agreed interest rate, the peoples court shall support it. If the interest rate agreed by the borrower and the borrower exceeds 36% of the annual interest rate, the interest agreement for the excess part shall be invalid. If the borrower requests the lender to return the interest paid in excess of 36% of the annual interest rate, the peoples court shall support it.
In addition, the supplementary opinions mentioned that the priority of talents is the first suite, and Hangzhou housing security and real estate administration answered the specific operation of talent lottery to buy a house, emphasizing that high-level talents should register with families as the unit to participate in the priority lottery to buy a house.
However, the reporter of Securities Daily noted that in the lottery publicity of developers, most of the requirements for talents are only families without houses. Some buyers are worried about whether talents can be considered as families without houses if they sell the original houses, or whether they can participate in the priority lottery again if they sell the relevant houses after the successful lottery.
A staff member of a real estate sales office in Hangzhou said: if it is recognized as a high-level talent in Hangzhou, even if it has bought a first suite before, as long as it is sold or transferred to other peoples names, it can also enjoy the priority of shaking the number to buy the first suite.
In addition, some of the new houses are quasi cash houses, and the short delivery time is very attractive for speculators.
The plot of Yuanyang Xixi mansion has been photographed as early as 2009. Even 11 years ago, the real estate and house type were very old, but it did not affect the influx of investors. After all, it is still common for developers to postpone the delivery of houses after buying the houses in the future, and the purchase of quasi existing houses can reduce the risk of postponement of the delivery of houses. Xiao Xiao (pseudonym), who lives in the West Lake District of Hangzhou City, told Securities Daily that it is precisely because of the quasi cash house that many speculators enthusiasm for house snatching has been aroused. Some speculators even cooperate with some people who have house tickets but have no money to buy houses. Both parties agree to share profits according to a certain proportion if they win the lottery.
As a new buyer, Xiao Xiao started to buy houses by lottery at the end of 2018. After nine times of lottery, it took nearly a year to buy houses in the second half of 2019. Xiao Xiao said: now buyers who just need to buy houses need to compete with people who can shake three rounds of numbers. The winning rate is lower. Some people cant wait to make new, and finally spend high prices to buy second-hand houses.
In an interview with Securities Daily, pan Helin, executive director of Digital Economy Research Institute of Zhongnan University of finance, politics and law, said that on the one hand, it is to attract and retain high-level talents to promote regional innovation and development and enhance urban competitiveness. On the other hand, it is to digest the increment and stock of the local housing market and ensure the stable development of the real estate market.
So, how to prevent policy abuse by speculators? Pan and Lin think, want to make patch for policy. The policies of talent settlement and house purchase preference have been gradually refined, but as long as there are interests, there are many people who want to drill holes and exploit loopholes. If the lottery system is not perfect, it is easy to leave space for speculators to drill holes. Therefore, we need to establish a sound and perfect lottery system.
In view of the phenomenon of ten thousand people shaking their names and the great price gap between the first and second-hand house prices, relevant policies should also find out the direction of implementation, and timely turn according to market practice. In fact, the preferential policies can not only meet the urgent needs of talents, but also better protect the rights and interests of ordinary buyers. Liu Xiangdong further said.