Guangzhou launches the "rental first, buy later" model: the rent can offset the purchase price, and the down payment ratio is reduced to 10%.
Recently, Guangzhou City has launched an innovative housing policy - the "renting first and buying" model, which has sparked heated discussions across the Internet. This policy allows home buyers to move in first through rental, and subsequent rents can be deducted from the purchase price, and the down payment ratio is reduced to 10%, which greatly reduces the threshold for buying a house. This move not only provides a new home purchase path for the urgently needed groups, but also injects new vitality into the real estate market.
1. Core content of policy
The "renting first, buying later" policy issued by the Guangzhou Municipal Housing and Urban-Rural Development Bureau mainly includes the following key points:
| Policies | Specific content |
|---|---|
| Applicable objects | Non-registered families who have been registered in Guangzhou or have paid social security for 5 consecutive years |
| Lease term | 1-3 years, you can choose to purchase or exit after expiration |
| Rent deduction | 30%-50% of the rent can be deducted from subsequent home purchases |
| Down payment ratio | Reduced to 10%, far below the regular 30% down payment requirement |
| Participate in real estate companies | The first batch of pilot projects include 10 real estate companies including Vanke, Poly, Yuexiu, etc. |
2. Hot topics on the Internet
In the past 10 days, the discussion on Guangzhou’s “renting first and buying later” policy has mainly focused on the following aspects:
| Topic classification | Discussion focus | Popularity Index (%) |
|---|---|---|
| Policies favorable | Lower the threshold for buying a house and alleviate the pressure on young people | 45.2 |
| Risk concerns | Will house price fluctuations affect rent deductions | 32.7 |
| Market Influence | The role of destocking on the Guangzhou real estate market | 18.5 |
| Policy promotion | Will other cities follow up | 15.3 |
3. Expert interpretation and market reaction
Many real estate experts gave positive comments on Guangzhou’s “renting first and buying” policy. Li Yujia, chief researcher at the Guangdong Housing Policy Research Center, said: "This policy can effectively activate potential housing purchase demand by reducing short-term payment pressure, especially for young people and first-time home buyers."
In terms of market reaction, according to data from the Guangzhou Real Estate Industry Association:
| index | Before the policy (weekly average) | After policy (weekly average) | Amplitude of change |
|---|---|---|---|
| New house consultation volume | 2,150 times | 4,780 times | +122.3% |
| Number of visits to pilot projects | 320 groups | 850 groups | +165.6% |
| Register for lease and repurchase intention | N/A | 1,230 groups | N/A |
4. Feedback from potential home buyers
The reporter interviewed many citizens who were interested in participating in the "renting first and buying later". Mr. Wang, a 28-year-old Internet practitioner, said: "This policy has given me hope of buying a house. Rent can deduct the house payment, and the down payment pressure is much smaller." But some citizens are also waiting and watching, worried that the rise in housing prices will offset the policy benefits in the future.
5. Future Outlook
Industry insiders predict that if the pilot effect in Guangzhou is significant, this model is expected to be promoted nationwide. But at the same time, we also need to pay attention to preventing possible financial risks and ensuring the smooth operation of policies. A relevant person in charge of the Ministry of Housing and Urban-Rural Development said that he will pay close attention to the results of the pilot and summarize his experience in a timely manner.
Overall, Guangzhou’s “renting first and buying” policy is an important housing system innovation, which not only meets the housing needs of residents, but also provides new ideas for the stable development of the real estate market. As the policy is gradually implemented, its implementation effect deserves continuous attention.
check the details
check the details
en
