The cancellation of purchase and loan restrictions in the property market Kunming home furnishing enterprises still feel "not easy"
the cancellation of purchase and loan restrictions in the property market Kunming home furnishing enterprises still feel "not easy"
October 24, 2014
[China paint information] on September 30, the central bank and the Banking Regulatory Commission issued a notice on further reducing the effectiveness of garbage removal and reduction and improving housing financial services. The notice said that for families who own one house and have settled the corresponding house purchase loan, in order to improve their living conditions and apply for a loan again to buy ordinary commodity houses, banking financial institutions implement the first house loan policy
subsequently, the four state-owned banks, Yunnan branch, responded positively. China Construction Bank was the first to issue the detailed rules for the implementation of the new housing loan policy on the evening of October 9. Priority should be given to meeting the needs of households to purchase the first self occupied and improved housing loans. The Bank of China, industrial and Commercial Bank of China and other state-owned banks have also begun to implement the new deal. In addition, many joint-stock banks, such as industrial bank, China Merchants Bank, Huaxia Bank, Shanghai Pudong Development Bank and China Everbright Bank, have begun to implement the policy of "accepting loans but not houses"
as early as August 11 this year, Kunming held a briefing on "accelerating the construction and distribution of urban affordable housing and reasonably regulating the real estate market", at which it officially announced the cancellation of restrictions on the purchase of commercial housing
when the two knives on the head of the real estate market - "purchase restriction" and "loan restriction" fell, as the home furnishing industry in the downstream of the real estate market, how does the industry feel about this
as the wind vane of the development of the home industry, every dynamic of the real estate market affects the nerves of home enterprises. How to buy a testing machine in Dahuan? When the economy is in recession, in addition to improving their internal skills, many businesses place their hopes on the recovery of real estate
the recent series of policies in the property market do not seem to disappoint household enterprises. During the period of depression in the domestic real estate market, on August 11 this year, Kunming held a briefing on "accelerating the construction and distribution of affordable housing in cities and towns and reasonably regulating the real estate market", at which it officially announced the cancellation of restrictions on the purchase of commercial housing
this good news, no matter for the real estate market or home furnishing enterprises, is undoubtedly a big knife off the head. Perhaps this policy is too "gentle", and the pace of real estate enterprises is still not much easier, so just take off another knife. On September 30, the central bank and the China Banking Regulatory Commission issued a notice on further improving housing financial services. The notice said that for families who own one house and have settled the corresponding house purchase loan, in order to improve their living conditions and apply for a loan again to buy ordinary commodity houses, banking financial institutions implement the first house loan policy. Subsequently, the four state-owned banks, Yunnan branch, responded positively
since there is strong policy support, should the property market in Kunming rise? What impact will the policy change have on the home furnishing industry
canceling purchase and loan restrictions is not a lifesaver.
Wang Xinyu, deputy general manager of Desheng Home Expo store, said to: "Home decoration is a downstream industry of real estate, so bad real estate will definitely affect home decoration, but the problem is that the slowdown in real estate development cannot be attributed to purchase and loan restrictions, which is not the key. The main reason for the decline in real estate is that the relationship between supply and demand has changed greatly, and all contradictions cannot be transferred to this. Purchase and loan restrictions are just things in recent years. Similarly, relaxation is not a lifesaver, and it can drive crazy." LAN. "T shear stress in MPa
for this, Hejianming, executive vice president of Yunnan decoration industry association, also agreed: "The successive cancellation of purchase and loan restrictions in various regions will not cause major problems in the short term, but the impact on the future remains to be seen. In fact, purchase has become the norm in recent years. The current sluggish environment cannot be attributed to purchase or loan restrictions, but more to the impact of real estate, finance and the general environment. Overcapacity in traditional industries and the unfinished economic transformation are the main problems, such as steel, cement, shipbuilding and so on The downturn in basic industries means that infrastructure, shipping, real estate and other industries are also depressed. These are the barometers of the economy. "
the recession of the industry is related to the cost of enterprises
he Jianming believes that at present, if the purchase and loan restrictions are relaxed, at least the household market performance in Yunnan is still not very obvious. In the general environment of the downturn in the home furnishing industry, some time ago, there has even been a "market withdrawal tide" in shopping malls, where many shops have been vacant. The traditional "golden nine and silver ten" does not seem to bring more traffic. Therefore, it is better to say that the market itself has been deformed than affected by the previous purchase restriction policy of the property market
he Jianming said that although the overall deregulation will not have a significant positive impact on the general downturn in the furniture industry in recent years. As for the reasons for the depression of the industry, he told that it was mainly the increase in the cost of furniture manufacturers, including the rise in the price of raw materials, the depreciation of prices, the increase in property management costs, and so on
in order to make a breakthrough in performance in the adverse market, it also has a lot to do with the company's own marketing model. He Jianming said that the traditional mode mainly focuses on exhibition promotion, door-to-door visits, seeking franchisees, and cooperation with dealers. Nowadays, under the general trend of e-commerce in the home furnishing industry, the company is also marketing with Xinjing. Through building stations and online promotion, we can find customers with intention to join, which makes the promotion more efficient and direct, and greatly reduces the communication cost. Therefore, how can the home building materials industry regroup and open up a new situation? In addition to hoping for the good brought by the fluctuations in the property market, perhaps we should start from ourselves and take action first to strengthen the transformation and upgrading of enterprises
the future of home furnishing needs to wait and see
according to the current Kunming property market data, the actual production and trading volume of real estate is expected to increase near the end of the year, but in the interview, people in the home furnishing industry generally believe that this "warming" effect will not be shown. A building materials dealer in Huayang home Plaza told that the purchase restriction had just been cancelled, and the whole real estate market had yet to wait and see, and building materials, as an important part of home decoration, needed at least half a year of suspension. "The cancellation of purchase restrictions is certainly beneficial to the recovery of the building materials market, but it is not clear whether the peak period of the overall building materials market in Kunming will occur. Now everyone is living very hard."
another designer, who did not want to be named, also told that for the household industry, the marketing of purchase and loan restrictions may only be on the one hand. The intensification of anti-corruption efforts some time ago actually has an impact on the industry. So far this year, the performance is much worse than that in previous years, there are fewer large orders, and the signing volume of home decoration is also low. For their company, this year's public decoration actually exceeded the home decoration business
"recovery" depends more on yourself
Yang Yong, director of Yunnan creative art decoration design, also expressed similar views in an interview, "Although the home furnishing market is in the downstream of real estate, what is sold in the market now is not like the previous auction houses, and most of them are existing houses. Consumers do not need a long time from buying a house to getting the decoration of the house, and they can even start the decoration immediately. But according to the current situation, the market response is not obvious."