全员加班！北京楼盘签约数大增，有购房者称“刚放款，已哭晕”

全员加班！北京楼盘签约数大增，有购房者称“刚放款，已哭晕”

“今天晚上我们确实全员都在加班，有些客户下班就过来看房了。”

6月26日，北京发布楼市新政当晚，有央企开发商人士向《每日经济新闻》记者（以下简称每经记者或记者）表示，市场反应非常快。

记者留意到，新政发布后，北京多家开发商都第一时间发布了诸如“史诗级利好”“入手趁现在”等字眼的海报，不少新盘的官方账号还直接“下沉”到博主们的评论区留言，以期北京这次政策能为销售持续助力。

6月27日，每经记者接到了数位渠道中介的推销电话，表示已开始执行新房20%首付新政。

另据记者了解，上述央企开发商在北京的一个新盘项目，客户邀约量、签约数都有大幅提高，截至27日下午6时，到访量已经比平日增加30%，签约数也有大幅提高。

北京某在建项目 每经记者 陈梦妤 摄

“中介告诉我业主不卖了”

6月26日，北京市住建委等多部门联合发文，自6月27日起，北京市首套房最低首付比例从30%调整至20%，5年期以上首套房贷利率下限调整为3.5%。

但购买二套住房的最低首付比例和贷款利率下限分为两种情况：

若所购房屋位于五环内，则首付比例不低于35%，5年期以上房贷利率下限为3.9%；若所购房屋位于五环外，则首付比例不低于30%，5年期以上房贷利率下限为3.7%。

北京某新盘销售中心 每经记者 陈梦妤 摄

“此次不再按照城六区和非城六区划分，而是改为按照五环内和五环外划分，与本市4•30调整限购范围保持一致。”北京市住建委相关负责人解释称。

政策发布后，有购房者在社交平台表示：“一觉醒来北京买房首付已经20%了，半个月看的新房总价369万元，之前首付要110万元，现在只要74万元就能买了。”

二手房购房者则分为两派：一派是等来政策的；另一派则是刚刚走完放款流程的，这也是目前最“受伤”的群体。

今年4月15日，小张与中介和卖家签订了购房合同，约定了3个月的过户周期，7月15日前完成。

6月24日，小张在社交平台发文表示，今天和卖家协商成功，同意往后推半个月，“因为我预感6月底前会出政策”。

6月26日，小张在这条推文的评论区表示，“真的被我等到了！”评论区也是一片欢腾祝贺之声。

但也有人表示：“昨天（6月25日）放款，今天出政策？”“房贷利率已经降到3.5%了，让我们存量房利率处于高位的情何以堪？”“刚放款，已哭晕。”

小王在社交平台发文表示：“正准备今天（6月26日）晚上约谈，结果出了政策10分钟后，中介跟我说业主不想这么低价卖了。”

在多个社交平台，完美错过政策的购房者们已经开始等待更合理的政策细则。

每经记者了解到，27日起，北京地区多家银行已开始执行利率新政，但存量房贷利率政策暂未有调整。

事实上，此前北京的房贷利率政策已经有过调整。

4月22日，一份落款为中国人民银行北京市分行、国家金融监督管理总局北京监管局、北京市住房和城乡建设委员会三部门联合署名的《关于我市个人住房贷款中住房套数认定标准执行口径的通知》（以下简称《通知》）在网上流传。

次日（4月23日）午间，有北京地区商业银行工作人员向《每日经济新闻》记者确认，行内已经发布通知，当日起按新政策执行，首套房可以贷网签价的70%，买城六区的利率4.05%、非城六区的3.95%。

“没有去年9月刚出政策时那么激动”

北京这次政策可谓姗姗来迟。

事实上，去年12月以来，北京以小步、动态调整的方式，先后出台了“认房不认贷”、降低首付比例、取消离婚家庭三年内不得购房限制、2套房京籍家庭可在五环外新购1套房等优化措施，持续满足刚需和改善型家庭的合理住房需求。

尤其是4月30日晚间，北京市住建委官宣调整限购政策，2套房京籍家庭可在五环外新购1套房。这也是北京13年来限购政策的首次全面调整。

这一政策给北京楼市带来了一个红红火火的“五一”假期，市场上的主流开发商几乎都发布了各式成交喜报，连一些滞销数年的豪宅盘也迎来了难得的成交和问询。

而自央行“5•17”新政后，关于北京放松限购、继续降首付比例等各方面的政策猜测从未停歇。

5月底，每经记者曾走访了北京多个新盘项目，尤其是5月30日那天，甚至有新盘售楼处工作人员在没看样板间的情况下就催促记者尽快下单，数位置业顾问都信誓旦旦地表达了类似“政策就等这两天了”的观点。

但北京并没有紧跟其他三个一线城市，期待中的政策足足晚了近一个月。

政策发布当晚，也有开发商人士向每经记者坦言，可能是因为其所在项目的阶段性推盘原因，一期已基本没房，二期才刚刚开始卖，所以项目上没有什么太大变化。

“没有去年9月最早开始出政策时的激动了。”

某头部中介平台相关人士向每经记者表示，可能因为大家对政策都有一定预期，等真正落地的时候，反而心态平和了。“现在大家越来越务实，（现阶段）实际出手的人肯定会变多。”

中指研究院市场研究总监陈文静向记者表示，短期来看，北京房地产市场活跃度有望提升，新房、二手房链条也有望加速轮转，二手房成交量保持活跃也将为新房释放更多改善需求。

“本次北京限购政策尚未作调整，未来依然有优化空间和预期。”陈文静认为。

另据北京市统计局数据，今年前5月，全市新建商品房销售面积373.8万平方米，同比下降13.5%。其中，住宅销售面积262.7万平方米，下降16.3%；办公楼26.8万平方米，下降11.5%；商业营业用房19.7万平方米，下降27.5%。

All employees are working overtime! The number of contracts for real estate projects in Beijing has increased significantly, with some homebuyers claiming that they have just disbursed funds and have already cried out

"We were all working overtime tonight, and some clients came over to see the house after work."

On the evening of the release of Beijing's new real estate policy on June 26th, a person from a state-owned enterprise developer told a reporter from the Daily economic News (hereinafter referred to as the reporter or reporter) that the market reaction was very fast.

The reporter noticed that after the release of the new policy, many developers in Beijing immediately released posters with words such as "epic positive" and "take advantage of the present". Many official accounts of new projects also directly "sink" to the comments section of bloggers, hoping that this policy in Beijing can continue to support sales.

On June 27th, the reporter received a sales call from a digital channel intermediary, stating that the new policy of 20% down payment for new houses has been implemented.

According to the reporter's understanding, the above-mentioned state-owned enterprise developer has significantly increased the number of customer invitations and contracts for a new project in Beijing. As of 6pm on the 27th, the number of visits has increased by 30% compared to usual, and the number of contracts has also increased significantly.

"The agent told me that the owner is not selling anymore"

On June 26th, the Beijing Municipal Commission of Housing and Urban Rural Development and other departments jointly issued a document stating that starting from June 27th, the minimum down payment ratio for first homes in Beijing will be adjusted from 30% to 20%, and the lower limit of interest rates for first home loans with a term of more than 5 years will be adjusted to 3.5%.

But the minimum down payment ratio and lower limit of loan interest rate for purchasing two houses can be divided into two situations:

If the purchased property is located within the Fifth Ring Road, the down payment ratio shall not be less than 35%, and the minimum interest rate for loans with a term of more than 5 years shall be 3.9%; If the purchased property is located outside the Fifth Ring Road, the down payment ratio shall not be less than 30%, and the minimum interest rate for loans with a term of more than 5 years shall be 3.7%.

"This time, it will no longer be divided into urban and non urban areas, but will be divided into areas within and outside the Fifth Ring Road, consistent with the city's 4:30 adjustment of purchase restrictions." The relevant person in charge of the Beijing Municipal Commission of Housing and Urban Rural Development explained.

After the policy was released, some homebuyers said on social media, "When I woke up, the down payment for buying a house in Beijing was already 20%. The total price of a new house I saw in half a month was 3.69 million yuan. Previously, the down payment was 1.1 million yuan, but now I can buy it for only 740000 yuan."

Second hand home buyers are divided into two factions: one faction is waiting for policies; The other group has just completed the loan disbursement process, which is currently the most "injured" group.

On April 15th of this year, Xiaozhang signed a purchase contract with the agent and seller, agreeing on a 3-month transfer period to be completed before July 15th.

On June 24th, Xiaozhang posted on social media stating that he had successfully negotiated with the seller today and agreed to postpone the policy by half a month, "because I have a premonition that the policy will be released by the end of June.".

On June 26th, Xiaozhang said in the comment section of this tweet, "I really waited!" The comment section was also filled with cheers and congratulations.

But some people have also said, "Yesterday (June 25th) we disbursed money, today we have policies?" "The mortgage interest rate has already dropped to 3.5%, how can we let our stock housing interest rate be at a high level?" "Just disbursed money, I have cried faintly."

Xiao Wang posted on social media, saying, "I was preparing for a meeting tonight (June 26th), but 10 minutes after the policy was announced, the agent told me that the owner didn't want to sell at such a low price."

On multiple social media platforms, homebuyers who have missed the policy perfectly have begun to wait for more reasonable policy details.

According to the reporter's understanding, starting from the 27th, several banks in Beijing have started implementing the new interest rate policy, but the interest rate policy for existing housing loans has not been adjusted yet.

In fact, the housing loan interest rate policy in Beijing has already been adjusted before.

On April 22, a notice titled "Notice on the Implementation Standards for the Recognition of Housing Units in personal Housing Loans in Our City" (hereinafter referred to as the "Notice") jointly signed by the Beijing Branch of the People's Bank of China, the Beijing Regulatory Bureau of the State Administration of financial Supervision, and the Beijing Municipal Commission of Housing and Urban Rural Development was circulated online.

On the afternoon of the next day (April 23), a staff member of a commercial bank in Beijing confirmed to a reporter from the Daily Economic News that the bank had issued a notice that the new policy would be implemented from that day on. The first home can be loaned 70% of the online signing price, with an interest rate of 4.05% for buying in urban areas and 3.95% for non urban areas.

"Not as excited as when the policy was first released in September last year."

Beijing's policy this time can be said to have arrived late.

In fact, since December last year, Beijing has successively introduced optimization measures such as "recognizing a house but not a loan", reducing the down payment ratio, lifting the three-year restriction on divorced families not being allowed to purchase a house, and allowing two Beijing residents to purchase one new house outside the Fifth Ring Road, in a small and dynamic adjustment manner, to continuously meet the reasonable housing needs of families with basic needs and improvement needs.

Especially on the evening of April 30th, the Beijing Municipal Commission of Housing and Urban Rural Development announced an adjustment to the purchase restriction policy, allowing Beijing residents to purchase one new property outside the Fifth Ring Road for two properties. This is also the first comprehensive adjustment of Beijing's purchase restriction policy in 13 years.

This policy has brought a bustling May Day holiday to the Beijing real estate market, and almost all mainstream developers in the market have released various good transaction reports. Even some unsold luxury residential properties have received rare transactions and inquiries.

Since the new policy of the People's Bank of China on May 17th, speculation about Beijing's relaxation of purchase restrictions and continued reduction of down payment ratios has never ceased.

At the end of May, reporters visited multiple new projects in Beijing, especially on May 30th. Some sales staff even urged reporters to place orders as soon as possible without looking at the sample rooms. Several real estate consultants confidently expressed the view that "policies are waiting for these two days".

But Beijing did not closely follow the other three first tier cities, and the expected policies were delayed by almost a month.

On the evening of the policy release, some developers also admitted to reporters that it may be due to the phased promotion of their projects. The first phase has almost no houses, and the second phase has just begun to sell, so there have been no significant changes in the project.

"I'm not as excited as when the policy was first introduced in September last year."

A person related to a top intermediary platform told Meijing reporters that perhaps because everyone has certain expectations for the policy, when it truly comes to implementation, their mentality may be calmer. "Nowadays, everyone is becoming more pragmatic, and there will definitely be more people actually taking action (at this stage)."

Chen Wenjing, Market Research director of Zhongzhi Research Institute, told reporters that in the short term, the activity of the Beijing real estate market is expected to increase, and the new and second-hand housing chains are also expected to accelerate rotation. The active transaction volume of second-hand housing will also release more demand for improvement for new housing.

"The current Beijing purchase restriction policy has not been adjusted, and there is still room for optimization and expectations in the future," Chen Wenjing believes.

According to data from the Beijing Municipal Bureau of Statistics, in the first five months of this year, the sales area of newly built commercial housing in the city was 3.738 million square meters, a year-on-year decrease of 13.5%. Among them, the residential sales area was 2.627 million square meters, a decrease of 16.3%; The office building covers 268000 square meters, a decrease of 11.5%; The commercial operating space is 197000 square meters, a decrease of 27.5%.

句子成分分析：(划分说明)  提示：框中标识可点击

The first phase has [almost] no houses, || and the second phase has [just] begunto sell, || so there have been no significant changes (in the project).

句子语法结构详解：

(has 为 have 的第三人称单数形式。begun 为 begin 的过去分词。)

* 第1个 has 为谓语，采用一般现在时。动词采用第三人称单数形式。
* and 为并列连词，连接并列句。
* 第2个 has 为助动词。
* begun 为谓语，采用现在完成时。
* to sell 为不定式，作宾语。
* so 为连词，引导状语从句。
* there 引导 there be ... 句型, 表示“有”的意思。
* been 为系动词作谓语，采用现在完成时。
* have 为助动词。the 为定冠词。

句子相关词汇解释：

Vocabulary:

句子成分分析：(划分说明)  提示：框中标识可点击

The active transaction volume (of second-hand housing) will [also] release moredemand (for improvement) [for new housing].

句子语法结构详解：

* release 为谓语，采用一般将来时。
* will 为情态动词。the 为定冠词。

句子相关词汇解释：

Vocabulary:

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