Subsequently, the topic rushed to the hot search.
Hermes, a school district in Shenzhen, plunged 6.62 million yuan!
According to china securities journal, the price of the "strongest" Shenzhen school district is loose!
An auction in France made the "Hermes" of Guocheng Garden, the school district, fall off the altar.
Recently, on Ali Auction Online, a villa in Guocheng Garden was sold for 22.06 million yuan, which was 6.62 million yuan lower than that of the same apartment in early February.
House area 127.82 m2, which was sold at 22.06 million yuan. The auction attracted 15 bidders and13,300 onlookers. 147 clinch a deal after bidding, unit price 172600 yuan/square meter.
Source: Ali Auction Network
Even though the crowd was enthusiastic, the transaction price of this property was 6.62 million yuan lower than the transaction price of 28.68 million yuan in the same apartment in early February.
Guocheng Garden, located in Baihua District, Futian, Shenzhen, can be said to be the "Hermes" in the school district. There are only two buildings, one is a large apartment with 3 stairs and 8 households, and the other is a small apartment with 3 stairs 12 households. According to the website of Chain Home, Guocheng Garden 1995 was completed, and the building is over 25 years old.
However, the property is favored by parents because of the blessing of two first-class school districts, Shenzhen Experimental Primary School and Shenzhen Experimental School (Middle School).
In June of this year, 5438+ 10, an intermediary said that a 44-square-meter house in this property was sold for 6,543.8+042,000 yuan, and the unit price was as high as 322,700 yuan/square meter.
At that time, some netizens ridiculed: "Can you learn the Nobel Prize?"
Hot quotes plummeted in a week 10%.
As the weather vane of Shenzhen property market, the trend of top school districts has always been the focus of market attention.
Judging from the recent market situation, the auction price of these top school districts has not only dropped, but even the asking price of the owners has begun to fall.
A building named "Sea View Terrace" in Nanshan was quoted at 6,543,800+0.4 million in two days. Among them, it decreased by 165438+ ten thousand on May 7th; On May 8th, the owner reduced the price by another 300,000 yuan. The property is located in the commercial and cultural center of Nanshan District, supporting famous schools.
The Great Wall in Hai Yin, located in the central area of Nanshan, has also been reduced in price, and the degree supporting this property is the primary and secondary school affiliated to Nanshan Second Foreign Languages Institute.
Shells. Com shows that the price of a 74-square-meter house in this property has been reduced twice in the past two weeks, with a price reduction of 640,000.
In addition, the school district owners in Longhua, Nanshan, Futian and other districts, such as Lemon Waterfront Spring Phase V, Zhonghai Sunshine Rose Garden, Bagualing area, etc., have all reduced their quotations.
In particular, the school districts with a large increase in the previous period have declined to varying degrees after the "2.8" property market New Deal. Take the Bagualing area with the highest increase last year as an example. Due to the news that a famous school will be built at the beginning of 20 19, the house price in this area went up all the way last year.
However, according to the monitoring data of Shenzhen Zhongyuan, during the week from April 18 to April 24, the house price in Bagualing area dropped by 10%.
The school district building was "directionally blasted"
On February 8 this year, Shenzhen announced the establishment of a reference price release mechanism for second-hand housing transactions, and formulated the reference price for second-hand housing transactions in 3,595 residential quarters in the city.
Subsequently, banks have expressed their views and used the official reference price as a reference for lending, which means that the amount of loans that buyers can borrow from banks has dropped. If the owner is unwilling to reduce the price, the down payment for the first suite may increase from 30% to 50%.
Since the "2.8" New Deal, the transaction volume of second-hand houses in Shenzhen has plummeted. According to the data of Shenzhen Real Estate Agency Association (hereinafter referred to as "Shenzhen Real Estate Agency Association"), the number of online signing of second-hand houses (including self-service) in Shenzhen in April was 4,396, down 9.7% from the previous month.
The school district houses were also "directionally blasted" by high-level policies. On April 30th, the meeting of the Political Bureau of the Communist Party of China made it clear that "houses are for living, not for speculation" should be adhered to, and the supply of affordable rental houses and * * * property houses should be increased to prevent speculation in the name of school districts.
In fact, since the beginning of this year, cities have intensively introduced school district housing control policies.
On April 23, Haidian District, Xicheng District and Dongcheng District of Beijing took the lead in issuing the new policy of compulsory education enrollment, further clarifying the policy of "multi-school dicing". Insiders pointed out that multi-school scribing refers to a community corresponding to multiple schools, which changes the enrollment of students in primary schools and junior high schools from "one-to-one" to "one-to-many", and finally can report which school becomes a variety of possibilities from the only answer, thus alleviating the problem of concentration of educational resources.
In the reform of school districts, Shanghai has introduced policies such as quota allocation, common recruitment by citizens and private lottery. In March, 2020, Shanghai introduced new regulations, requiring compulsory education enrollment to fully implement the common move of citizens. At the same time, Shanghai implements the quota allocation policy, and distributes at least half of the places in key high schools to all middle schools in a balanced way.
In addition to Beijing and Shanghai, other hot cities are also frequently regulated. On May 10, Ningbo took the lead in announcing the establishment of a reference price release mechanism for second-hand housing transactions in hot school districts. The first batch involves nine hot school districts, 1 12. On May 13, Wuhan Education Bureau also issued a notice: on the basis of "focusing on districts, matching counterparts, and being free of exams nearby", "it is planned to open the boundary between the central city and the new city, implement the urban-rural integrated management model, and adopt the city-wide financing method to enroll students".
At present, the housing in Shenzhen school district shows signs of loosening under the strictest regulation policy in history. Whether this can be sustained and spread to other cities deserves market attention.
A number of banks collectively acted to raise the overall price of Shenzhen mortgage.
19 in May, the monitoring data of mortgage interest rates in 42 key cities in China by Rong 360 Data Research Institute showed that in May of 20021year (the data collection period was 20265438+0-May 18), the average interest rate of the first home loan in China was 5.33%. The average interest rate of the second home loan was 5.6 1%, up 2BP from the previous month.
2 1 The average mortgage interest rate of cities increased month-on-month, and the increase rate of three cities was above 10BP.
Among the first-tier cities, Beijing and Shanghai continued to maintain their original levels, while Guangzhou and Shenzhen raised mortgage interest rates. Among them, since June 2020, the mainstream interest rate of the first home loan in Shenzhen has remained at 4.95%, with an average of 4.98%. In May, banks raised interest rates one after another, and finally the mainstream interest rate of the first home loan rose to 5. 10%, with an average of 5.03%.
China Construction Bank Shenzhen Branch raised the mortgage interest rate for the first time in early May, in which the first home loan interest rate was raised by 15 BP to 5. 10%(LPR 45 BP) and the second home loan interest rate was raised by 35 BP to 5.60%(LPR 95BP).
On May 22, the reporter of the National Business Daily learned that the four Shenzhen branches of China, Agriculture, Industry and Communications have all raised their mortgage interest rates. China Merchants Bank also said that it has implemented a new price adjustment plan. This means that six banks in Shenzhen, including China Construction Bank, the "first brother" in Shenzhen's mortgage market share, have a clear attitude.
In addition, the new interest rate standards of the six banks are basically the same, with 5. 1% for the first suite and 5.6% for the second suite. However, Ping An Bank said that it has not followed up for the time being. According to the Cailian Association, Shenzhen branches of banks such as Postal Savings Bank and Minsheng Bank are also temporarily "on hold".
However, some bankers said that it was a market behavior for many banks in Shenzhen to raise mortgage interest rates this time, and they did not receive relevant guidance from the supervision on the regulation of the property market.
According to the statistics of Rong360 Big Data Research Institute, nearly 10 bank branches in Shenzhen have implemented the first set of 5. 1% and the second set of 5.6% interest rates. This means that cheap mortgage is a scarce resource in Shenzhen market.
Guangzhou's mortgage interest rate has been raised for four consecutive periods, and the average level of the first home loan has increased from 5.26% in the previous period to 5.35% in this period. At the end of April and the beginning of May, many banks in Guangzhou, including state-owned banks, raised mortgage interest rates again. The interest rate of the first home loan was adjusted to the minimum of 5.40%(LPR 75BP) and the minimum of 5.6%(LPR 95BP) for the second home loan, both of which were raised by 10BP.
The response of the personal loan market to the tightening of real estate financing is also very obvious. Specifically, the mortgage interest rate continues to rise, the loan amount is tight, the difficulty of personal mortgage approval is greatly increased, and the lending process is very long.
According to the Shenzhen Special Zone Daily, since Shenzhen began to strictly investigate the illegal inflow of operating loan funds into the housing market in mid-March, banks have been very strict in checking the source of mortgage down payment funds. When auditing the bank's running water, it is required that the active funds should reach 80% of the down payment within six months. Therefore, even if the bank loan amount is sufficient, the improvement of the approval threshold will also lengthen the queue time.