The "mortgage number" registered in Shenzhen's real estate mortgage has staged a drama in which the number one is hard to find, and the "yellow cattle" is popular, and the price of a number is as high as 7000 yuan.

After the New Deal, the transaction volume of the soaring Shenzhen property market was once halved. In this case, why did the "little red book" mortgage (that is, mortgage of house title certificate, housing property certificate is red) suddenly rise?

Mortgage cash is on the rise.

Mr. Ren, a frontline person of Jiajiashun, said in an interview with the National Business Daily that Jiajiashun handled 30%-40% more red mortgage business in April than in March. There are two main reasons why the "little red book" mortgage loan is popular:

At present, the liquidity of Shenzhen property market is weakened and it is difficult to sell houses. After the skyrocketing property market in Shenzhen, the mortgage valuation has increased, and more cash can be obtained through mortgage loans. After the Shenzhen property market is cold, there may be "bamboo shoots", and people with mortgages may have the idea of bargain-hunting the property market.

Another possibility is that some small business owners will conduct self-examination and cash out their mortgages to support the development of enterprises.

According to Southern Weekend, there are higher taxes and fees to speed up mortgage. According to the data of the National Bureau of Statistics, the property price in Shenzhen rose by 47.5% in 20 15, and continued to skyrocket in the first three months of 20 16.

After the skyrocketing, Shenzhen is full of "luxury houses", but the line drawn by Shenzhen for ordinary houses and luxury houses has not improved. Ordinary houses are "luxury houses" and will pay more taxes when trading.

Because the transaction is blocked, mortgage loan has become the only choice to revitalize real estate, and the "little red book" mortgage boom has arisen.

Shenzhen Jinhu Cultural Center Shenzhen Real Estate Rights Registration Center has a hard-to-find situation. Mortgage registration needs to be done online or seek the "help" of scalpers. At one time, the price was as high as 7,000 yuan, which was as hot as the Spring Festival travel rush craze.

▲ Image source: Shenzhen Business Daily

According to Southern Weekend, it is hard to get a ticket because someone maliciously grabs the number through the number grabbing software, and scalpers speculate on the number. The staff who handled the mortgage business at the scene also said, "Now there are 1500 numbers a day, but less than 1000 can be handled, and hundreds of numbers (in the hands of scalpers) are invalid."

House prices soared, transaction volume soared, CDs appeared frequently and at high prices ... When housing prices in first-tier cities such as Beijing, Shanghai, Guangzhou and Shenzhen began to adjust in stages, some second-tier hotspot cities have quickly taken over and are becoming a new bright spot in market growth. Since April, some hot cities have been affected by the tightening of policies, and transactions have declined briefly. However, with the gradual digestion of the New Deal, there has been a positive rebound in the market.

Hot spots, second-tier cities, rising in volume and price

Miss Wang, who owns two two-bedroom apartments in Suzhou Park, originally planned to sell one of them and add money for a three-bedroom apartment in the same area. However, since the beginning of last year, house prices in the region have doubled, and the high cost of changing houses made Miss Wang finally give up the idea of changing houses.

"If I changed rooms at the beginning of last year, I only need to pay 500,000-6,543.8+0,000 yuan more, but now, the cost of changing rooms has at least doubled, and I need to pay 2 million yuan more." Miss Wang told reporters that some friends around her sold the house in Suzhou Park in order to change a house with a larger area, and then moved to a place with a slightly lower price.

Due to the overall planning of Suzhou Park, the price increase is more obvious than other sectors. However, Miss Wang said that as far as the overall market in Suzhou is concerned, if an ordinary second-hand house is bought at the beginning of last year and now, the cost will at least double.

Unbalanced supply and demand, rising prices

Suzhou is not the only place where house prices have risen significantly. According to the residential sales price index of 70 large and medium-sized cities published by the National Bureau of Statistics, the number of cities with newly-built commercial housing prices increased significantly in March, reaching 62, which was the biggest month of housing price increase in the past two years.

And the increase in most cities has expanded. The price increase of new commercial housing in 55 cities was higher than last month, and the price increase of second-hand housing in 47 cities was higher than last month. From the top cities, Hefei and Xiamen are the most eye-catching. In March, the price of new commercial housing rose more than that of first-tier cities and Nanjing. At present, the inventory digestion cycle in Hefei is only two months, and the phenomenon of short supply is more prominent. Moreover, the recent rise in land prices in the nine districts of Hefei has directly promoted the rise in housing prices.

"At the beginning of Hefei, the project properties were hoarded, the sales rhythm slowed down seriously, and a large number of accumulated customers broke out in March." Luo Fangfang, senior manager of Hefei Zhongyuan Research Center, said that the Hefei market is hot, on the one hand, because of loose macro policies and credit environment; On the other hand, due to high land price and low inventory, the price of new houses and second-hand houses in some areas can reach as high as 30%, and the market has experienced the process of "price first, then quantity". There was once a situation of "no room to sell" in the market, which led to panic among customers waiting to enter the market.

Judging from the projects monitored by Zhongyuan and the situation of customers, in April, customer enthusiasm slowed down slightly compared with the previous period, but it was still at a high level. At the beginning of the month, the government issued a policy to stabilize the market with the intention of stabilizing the market, but in the short term, the New Deal did not have a big impact on the market. In the absence of new strict policies, the market will continue to "have no room to sell" in the first half of the year, and the market will gradually stabilize with the increase of sales in the second half of the year.

Regulation is gradual.

Then, will these second-and third-tier cities have frequent CDs and frequent land kings? "The answer is of courseno." Suzhou, Nanjing, Hefei, Xiamen, Dongguan, Foshan and other core second-and third-tier cities have a hot property market. The third quarter may become a "window period" for the introduction of property market regulation policies in these cities, and these cities may enter an adjustment period in the second half of the year.

Judging from the performance of the overheated property market, whenever the market is overheated, national regulatory policies are bound to be introduced to cool the overheated property market. In addition, the central bank and other relevant departments have begun to investigate the above-mentioned hot cities and reserve policies, and only wait for the opportunity to release them.

(The above answers were published on 20 16-05- 17. Please refer to the actual situation for the current purchase policy. )

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