Just on March 5 this year, the work report once again set the tone for real estate, very clearly proposing to continue to protect the housing needs of the people, which has also become the general outline of all real estate-related content. In addition to insisting that the house is used for living, not for speculation, it is to explore new development models for new goals and adhere to both rent and purchase.
The most important thing is to support the commercial housing market to better meet the reasonable housing demand of buyers, which naturally includes both ensuring demand and improving demand, thus promoting the virtuous circle and healthy development of the real estate industry on the basis of "three stabilities", that is, stable land prices, stable house prices and stable expectations.
It can be seen that all goals should focus on reasonable housing demand, and people become the core content.
This not only sets the tone for the real estate in 2022, but also ensures that the housing demand meets the reasonable improvement demand, which will surely become the main theme of the property market. Just-needed and improved buyers are not only the objects that need policy protection most, but also the foundation and guarantee for the stable and healthy development of the property market. The two complement each other and have dialectical influence.
It can be said that there is no shortage of demand in the property market, but the confidence of buyers has been suppressed. This requires reopening their confidence channels so that they no longer have worries about buying a house. If they solve their worries from this perspective, then they don't have to worry that buying a house will not contribute to consumption.
First, it eliminated the worries of buyers about the skyrocketing housing prices.
Property buyers are not only afraid of rising house prices, but also afraid of falling house prices, fearing that their legitimate rights and interests will not be guaranteed after buying a house. Once the house price plummets, developers may not be able to deliver the property on time and according to quality, and buyers are not afraid to buy it expensive, and they are afraid to buy it indefinitely.
From the perspective of housing rather than speculation, the overall situation of stable housing prices has been set. House prices have risen and fallen unsteadily. In fact, judging from the favorable policies introduced by various places, especially the third-and fourth-tier cities, the state acquiesced and affirmed, which shows that it does not want the house price to plummet.
In this way, it also makes buyers feel more at ease. Those who have a house and those who don't have a house are down-to-earth, and there will be no big fluctuations in house prices. Normal transactions will do.
The second is to introduce preferential policies to encourage buyers to spend reasonably.
What I am most afraid of now is that the buyer wants to buy a house without money, but the owner wants to sell the house but can't sell it. The stalemate between the two sides most affects the activity of the property market, which is a huge chain reaction. So the property market is the most taboo.
As a result, the Eight Immortals all over the world showed their magical powers and competed to adjust their original policies. On the basis of insisting on housing and not speculating, they have adopted policies based on the city and classified regulation, and formulated many policies that are beneficial to property buyers.
According to incomplete statistics, up to now, more than 50 cities across the country have introduced policies to loosen the property market, mainly involving relaxing restrictions on purchases and loans, reducing the down payment ratio, lowering the mortgage interest rate, relaxing provident fund loans, relaxing restrictions on sales, and directly subsidizing the purchase of houses.
Generally speaking, adhering to the principle of housing without speculation, giving all kinds of support and meeting the just-needed and improved demand as much as possible can promote the virtuous circle and healthy development of the property market.
Third, commercial housing transaction risk warnings were issued around the country, which sounded the alarm for buyers.
From last year to now, all localities have responded to protect the legitimate rights and interests of housing consumers, and even compiled risk tips for buying houses, with the aim of protecting property buyers, and the reason is also based on the current market chaos. 3 15 not only protects the legitimate rights and interests of consumers, but also hopes to protect buyers by summarizing the "traps" that often appear in the market.
By sorting out and summarizing, it basically involves 20 risk tips. I hope buyers will look at them one by one, and don't take it for granted that nothing happened in the past and it won't happen today. Therefore, we should take the risk warnings from all over the country seriously, study them carefully, and tread carefully.
1. If the developer can't provide five property certificates, the rights and interests of the buyers will not be guaranteed by any law.
If the developer doesn't get the pre-sale permit, then you don't have to pay. If you are still fooled into paying the money, then you may face great losses.
3. If it is found that the pre-sale fund supervision account provided by the developer is inconsistent with the public information, it also implies huge risks.
If the developer asks the buyer to transfer the funds to a non-dedicated account, it is likely to be tricky, so the buyer should be careful.
If the developer sells the commercial housing at a price higher than the filing price of the Housing Authority, then the owner can claim that the developer should return the difference, but if the negotiation fails, disputes will arise, so don't give the developer this opportunity at the beginning to avoid being in a passive position.
6. If the developer and the buyer only signed the offline contract and didn't sign the online contract for the record in time, it probably means selling one more room, which will not happen under normal circumstances, but once the developer is in a hurry because of financial problems, nothing is impossible. Only after the online signing can it be protected.
7. If the developer sells commercial housing at a price significantly lower than the market price in the name of one-time payment, group purchase fee and down payment, it is risky. There are too many pits in it, so buyers should try not to be curious.
8. If the developer or intermediary promises a low down payment or zero down payment to the buyers, then you should be careful. Especially now, there are signs of moderate easing in various places, so you need to plan ahead. Need to confirm whether local policies really reduce the down payment. Zero down payment is unlikely. Otherwise, their promises are illegal.
9. If the buyer signs a contract with an unqualified intermediary and pays the money, it is extremely unwise and contains great risks.
10. If the developer sells the commercial housing by means of returning the capital or disguised return of the capital, after-sales charter or disguised after-sales charter, and renting for sale, the buyers may not be able to safeguard their rights and interests, because it is easy to meet various commitments before signing the purchase agreement, such as returning part of the commission or sending the property service fee, but once the agreement is signed, they often fail to perform it, and finally shirk their responsibilities, causing disputes.
1 1. If the developer promises to give you green space or build illegal buildings, it is common sense. This is not for developers to decide. Making promises will make you dizzy, but it won't land at all.
12. If you are promised, the notarization lottery project can also buy the designated housing, which is generally risky. Don't believe it.
13. If the commercial house to be purchased involves other rights such as mortgage and judicial seal-up, the buyers must be cautious and never be blind.
14. If the publicity of the developer or the verbal promises of the sales staff are seriously inconsistent with the actual situation, the buyers should remember to write all kinds of promises in writing in the future. If there is no relevant agreement in the contract, it is easy to fall into a passive situation. Therefore, important terms must be clearly stipulated in the purchase contract.
15. If the developer or intermediary helps the buyer to defraud the qualification of buying a house or evade other policies, the buyer must brake in time. Anyone who makes such a promise is not standardized at first glance and should stay away from it.
16. If the developer promises, the commercial office can be changed into a residence, let alone whether it can be changed. Even if it is changed, we should know that there is a great difference between commercial office and ordinary commercial housing in essence, and it is difficult to guarantee the rights and interests after purchase.
17, if the developer promises you that it is basically unreliable to do gas business, this is related to the last one.
18. It is also unreliable if the developer or intermediary promises that the business-run project can handle information such as household registration and enrollment.
19. You should be careful if developers or intermediaries help buyers illegally use financial products to pay for the purchase. Maybe you went astray from the beginning.
20. If the developer signs a "double contract" with the buyer, such as the real purchase contract, renovation contract, or other agreements, the buyer must know that it is a good thing on the surface, but other so-called contracts are not protected by law except the purchase contract.
Protecting property buyers is no longer a slogan, it is time to actually land, and it is time to really let property buyers no longer bear all kinds of "traps" of buying a house. The state has made it clear that it will protect the legitimate rights and interests of property buyers. All kinds of chaos not only need to remind our buyers, but also need the relevant departments to take tough measures and crack down severely, because if we lose the buyers, we will lose the future of real estate. Only by giving them hope can there be hope for real estate.