拿出“真金白银”来补贴,楼市能否迎来一波暖阳?
4月12日,南京江宁区发布最新购房政策,最高可领“2%+20万元”的购房补助,还可获购车、消费抵用券等,吸引了不少人关注。当天下午,现代快报记者从房产销售、中介了解到,不少购房人来咨询新政内容。近期,全国各地适时调整优化房地产政策动作频频,从限购政策不断“松绑”,到优化公积金、减免契税,再到拿出“真金白银”提振消费信心,不断释放利好信号。在“金三银四”置业旺季,楼市是否会迎来一波暖阳?江宁购房新政发布后,销售、中介表示不少人来咨询
南京江宁区此次可谓是拿出了“真金白银”,人才买房给大额补贴、鼓励“卖旧换新”、优化教育入学政策等,力度超大。除了0.5%~1%的购房补助外,购买竞配建住宅,购房人还可以一次性收到10万~20万元的购房补助。如果购房者是外地人,卖旧换新,购买首套竞配建住宅,同时满足研究生学历+“四上企业”员工条件,那就可以获得“人才安居1%+惠企安居1%+20万元购房补助+5万元的购车抵用券+卖旧换新1万元消费抵用券”的购房奖励。
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举个例子来讲,非南京市户籍的研究生张某某,为江宁区内“四上企业”员工,在2024年4月1日-12月31日期间,在江宁区购买首套竞配建住宅。以产权面积120平方米、销售价格为3万元/平方米来计算(商品住宅增值税正式发票上注明的不含税金额327.6万元),按照补助政策,累计可享受补助26.552万元(327.6万元×2%)、价值5万元购车抵用券及价值1万元的餐饮消费抵用券或江宁文旅消费券。
“政策出来以后,不少想买房的客户都来咨询我补贴的事,都挺关心的。”江宁区某在售楼盘销售人员表示,现在买房不仅可以享受项目特价房折扣优惠活动,还可以叠加江宁政府购房补助,以一套总房款约380万元的房源举例,本科生可以拿到19000元左右补贴,研究生可以拿到38000元左右的补贴。“因为购房补助与购房款挂钩,总房款高,补助也多一点。都是真金白银,实实在在省钱了。”上述销售人员告诉记者。
“本来近期看房的人就在陆续增加,今天不少人一看到新政策就主动来联系我,要去售楼处看房。”另一位房产中介李先生也向记者透露,本来“金三银四”就是购房旺季,在新政策的刺激下,相信近期的带看量和成交量都会有所增长。
南京工业大学天诚不动产研究所执行所长吴翔华表示,此次江宁区出台购房新政,综合了人才安居、“卖旧换新”、“教育入学”等一揽子的政策和补贴方案,比较全面,覆盖范围也比较广,相对力度还是比较大的。
吴翔华认为,该新政主要是为了去库存,拉动新建商品房市场,尤其是竞配建住宅,可以激发买房人“卖旧换新”。同时对于今年就有购房意愿的买房刚需人群来说,他们本来就准备买房了,一直在观望,犹豫不决之时,有了相应的补贴政策,相当于“临门一脚”,促使他们快速成交。吴翔华表示,如果江宁区的购房新政效果比较好,不排除接下来其他一些区会跟进发布新政,拉动南京整个房地产市场活跃度。
多地放大招,陆续发布购房新政
近日,南京部分区也相继发布了购房政策。4月3日,秦淮区发布房票安置细则:用房票购买商品房最高奖励5%,全市通兑;4月7日,栖霞区房票安置细则出炉,购买商品房最高奖励10%;4月7日,浦口区发布人才安居新政,买房最高补贴200万元。
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从全国来看,各地适时调整优化房地产政策动作频频,从限购政策不断“松绑”,到优化公积金、减免契税,再到拿出“真金白银”提振消费信心,不断释放利好信号。
优化公积金政策是当前各地支持房地产市场发展的主要手段之一。仅4月8日一天,北京、广州、沈阳、苏州四个城市对公积金政策进行优化调整。其中,北京住房公积金管理中心拟明确,使用住房公积金贷款购买二星级以上绿色建筑、装配式建筑或者超低能耗建筑的缴存职工,贷款额度最高可上浮40万元。广州提升公积金贷款额度,最高可贷156万元。苏州公积金推出灵活就业人员“乐居苏城”存贷产品实现“零存零取”。沈阳则可提取住房公积金支付首付。而在此前几日,湖南湘潭、贵州黔南州、安徽宿州、内蒙古自治区鄂尔多斯等地也先后调整优化了住房公积金政策。
除优化公积金政策外,另据不完全统计,目前已有广州、赣州、济宁、青岛、福州、南昌等15个城市阶段性取消首套住房商业性个人住房贷款利率下限,实际利率由商业银行按照市场化、法治化原则,与借款人自主协商确定。
同时,为促进房源流通,南京、苏州、无锡、广州、郑州、南昌、昆明、贵阳、厦门、温州等全国超50城房票安置政策正在进行。4月2日,江苏海安举行商品房“以旧换新”房票集中发放仪式,首批15名置换业主签约后,当即领到工作人员现场制作的房票。这标志着该市“以旧换新”购房政策在江苏率先进入实质性执行阶段。
除此之外,多地更是实施购房补贴政策,拿出真金白银提振消费信心。4月11日,洛阳发布商品房契税缴纳财政补贴、购房补贴办法,2023年购买中心城区单套建筑面积在144 平方米以下新建普通商品住宅,缴纳契税和房屋专项维修基金后的购房户,可享受按商品住房合同价款的0.5%给予补贴,最高不超过1万元。4月11日,山东泰安推出购房补贴政策,在主城区范围内购买新建商品住房,给予5万元购房补贴。4月11日,广西举办“壮族三月三”购房嘉年华活动,自治区契税补贴政策将延续至今年6月底,部分城市延期至今年10月左右,补贴总额达到2亿元。哈尔滨近日也发文,在9区购买首套或第二套新建商品住房的,按照博士毕业生10万元、硕士毕业生5万元、本科毕业生及大中专毕业生3万元的标准,给予一次性购房补贴。
上海易居房地产研究院的最新数据显示,3月份,全国50个重点城市新房成交面积环比增长115%,22个重点城市二手房成交套数环比增长112%,新房和二手房成交量同比降幅均有所收窄。有业内人士分析认为,一线城市限购政策陆续“松绑”,二三线城市加大购房补贴、税费减免、公积金支持等政策力度,各地因城施策调整限购等政策,正是适应楼市供求关系发生重大变化的具体举措,有助于提振市场信心,促进楼市回暖。
现代快报/现代+记者 杨晓冬 吴玉珊 赵丹丹 综合
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