Capital Is Surging, Real Estate Market Is Restless, And Hangzhou Is "Shaking Thousands Of People"?

        Hangzhou is likely to see "ten thousand people shaking" again. The second phase of binrong government will be launched in late June. At present, more than 14000 people have signed up for fund raising. According to the normal process, even if the unqualified customers are screened out, the project rate will be "10000 people".

Hangzhou's last "wanrenyao" appeared in the Huating of Bozhou, which opened on April 27. In other words, no accident, two months later, the new "million people shake" property is about to be born.

Correspondingly, Hangzhou has a batch of "red plate" pre-sale certificates waiting for approval. At the end of May, the 21st century economic report exclusively learned that Hangzhou was brewing new rules for buying houses, or would refer to Shanghai's scoring system, but the specific content needs to be announced officially. Some industry insiders in Hangzhou have confirmed to reporters that Hangzhou has a batch of red plate pre-sale certificates ready to be issued recently, which may be due to the introduction of new regulatory policies.

However, up to now, the new housing rules in Hangzhou have not been officially promulgated, and a number of "red plate" pre-sale certificates have not been issued.

On June 24, Zhang Xiaojun (pseudonym) who went to submit the application materials at the Sales Office of binrong mansion saw a group of customers who were working with the sales theory. She was told that in order to "dissuade" customers, the real estate sales tried every means to "tease" the materials they had submitted before, but the final result had to wait for the audit results from June 24 to June 25.

Behind this emergency is Hangzhou's overheated property market. Before that, xinpanjianghehui had attracted 7635 families to register, and the winning rate was 5.65%; The Yuchao government in XinPan attracted 5041 families to register, and the winning rate was 7.5%.

The first and second-hand house prices are seriously inverted

Along with the new bid winning rate of record low, Hangzhou a second-hand housing prices repeatedly record high. For example, binrong government limits the price of 54000 yuan / square meter, and the surrounding second-hand house price is 84000 yuan-90000 yuan / square meter. With a building area of 100 square meters, the difference between the first and second-hand house prices is more than 3 million.

With the successive delivery of a batch of high-end new plates this year, Hangzhou has a new round of upside down market. These plates include the future science and Technology City, Shenhua, Chengdong new town, Xiaoshan North, Jiubao and Xiangfu.

The "steady earning" psychology of those who rob houses comes from the "unilateral rise" market of Hangzhou's second-hand houses. In May, from the future science and Technology City, Olympic sports, three Dun north to Qiaoxi, the second-hand house prices soared. For example, a 83 square meter house in Hyde Park was listed at a price of 2.95 million yuan in March and increased by 450000 yuan at the end of May, which exceeded the 15% increase in two months.

Second hand housing "unilateral price rise" incentive lies in the first hand into the market“ Now in Hangzhou, in addition to binrongcheng's "wanrenyao", other blocks of real estate have also hit a new low lottery winning rate. " Zhang Xiaojun (pseudonym) told reporters of the 21st century economic report that entering the second-hand housing market after the delivery of the new house is equivalent to directly entering the channel of rising prices. "Such a house is" earned ", and those who have the conditions want to take a chance at the lottery.".

On April 15, jiulongcang HUAFA Tianhui of Shenhua plate increased the number of houses, and 79 suite sources attracted 3991 groups of customers to register, including 277 talent groups and 868 houseless families. In other words, the overall winning rate is only 1.98%, and the winning rate of households without houses is 2.7%. The project winning rate data set a new low in Shenhua plate.

In addition to Lin'an and Fuyang districts, more and more restricted real estate projects with a winning bid rate of less than 10% in Hangzhou, and the winning bid rate of new projects in suburban areas has also started to record low. In May, in the Jinsha Lake section of Xiasha in the suburb of Hangzhou, "Chunfeng Jinsha" launched 235 houses, attracting 3148 households to sign up, and the winning rate was 7.47%; In February, the winning rate of Chunfeng Jinsha was 30.31%. In the Shushan plate located in Xiaoshan, "Chaowen Huacheng" opened 172 sets, but the number of registered households was 2562, which was three times that of the last opening (807 households). The winning rate dropped from 8.92% to 6.71%.

According to the incomplete statistics of an intermediary agency in Hangzhou, the prices of many second-hand houses in Hangzhou have doubled since last year, and some have even increased by 70000 yuan / square meter.

In contrast, Shenzhen, after the introduction of second-hand housing guidance prices, second-hand housing transactions quickly entered the frozen period“ Hangzhou has a hidden rule, second-hand housing listing price is not higher than 120000 yuan / square meter, so you can hang 110000 yuan / square meter Future technology city an intermediary store salesman revealed to reporters.

Zhang Huifang, general manager of Hangzhou win-win real estate marketing agency, believes that we should dynamically look at the capital flowing into Hangzhou's property market. At the end of January this year, Hangzhou's newly increased housing supply suddenly soared. Jianghe Mingcui only launched a few hundred houses, with an average price of 70000 yuan / square meter. Nearly 10000 people have subscribed to all of them. This shows that there are a lot of room tickets in the market, but in fact, there are not many buildings to choose from. On the whole, it is more and more difficult to improve the demand in Hangzhou, and the proportion of people who can buy new plates each time they push them may not be 50%. The low winning rate leads to the overstock of room tickets.

Magic variation under the influx of funds

Hangzhou strictly controls the pace of issuing new pre-sale certificates in order to prevent the outflow of funds into the property market. Over the past year, Hangzhou's property market has undergone earth shaking changes. For example, last year, there was no so-called "red plate" in Shenhua plate, the average price of new houses was 54000 yuan / m2, and there were some projects that were too unstable; This year, it has become a "million people shake" plate.

It is worth noting that recently, Hangzhou has strictly investigated the illegal operation of mortgage loans, which has caused great shock to investors.

Wang Ning (pseudonym), who is engaged in the Internet e-commerce industry, bought a high-end disk in Shenhua plate in May last year. In July, he mortgaged another set of houses under his name, and then used part of the loan due to capital needs. Not long ago, Wang Ning received a call from the bank, suspected that it borrowed money to buy a house, and then used the mortgage to repay the down payment loan. The bank asked Wang Ning to provide the specific whereabouts of the mortgage funds. Wang Ning fee a little bit Zhou Zhang submitted the proof of the whereabouts of the funds, which was approved by the bank before being lifted.

it happens that there is a similar case. Another investor said that he bought one house at the end of 2019 and used another as a mortgage in March 2020. Some time ago, was found by the bank, asked to provide proof of the source of housing funds. However, the investor sold a flat before buying the house, and has submitted relevant materials to prove that he is a replacement. At present, the bank has no feedback.

At present, including Hefei, Wuhan, Nanjing, Shenzhen, Guangzhou, Chongqing and other cities, the second-hand housing loan cycle has become a fact. The decline of second-hand housing turnover leads to the property market entering into the game period. At this time, house prices will be stagflation or the decline is not obvious. However, those funds still addicted to the "lottery" will bet on the second-hand housing boom after the market game.

In the face of increasingly stringent approval of housing loans, it is difficult for investors to apply for loans. In the case of mortgage loans becoming more and more difficult to use, there are only two ways for many speculators. Or, as mentioned above, try to increase the down payment ratio or even the whole payment; Or can not do the mortgage, the final check-out. Recently, Hangzhou from time to time issued a red alternative housing notice, that is, because some buyers can not apply for loans.

"The amount is tight, the lending cycle is longer, and the audit is strict." A Hangzhou real estate enterprise told the 21st century economic report that the tightening of national housing loans is closely related to the "two red lines" introduced at the end of last year, which set two upper limits for the proportion of real estate loan balance and the proportion of personal housing loan balance.

Another person familiar with the matter disclosed that Hangzhou had concentrated land supply for the first time, and several pieces of land were in the process of returning. Some people in the industry said that the magic market in Hangzhou is actually the game of all parties in the market.

It is true that in recent years, in order to attract talents for urban development, Hangzhou has continuously introduced talent introduction policies. The influx of talents has boosted the rise of the property market, and Hangzhou has regulated the property market by tightening the talent policy. So repeatedly, Hangzhou property market still has a large amount of cash flow inflow, the magic of the property market also generated.