商品房预售制度，也就是我们熟悉的“买期房”，在我国已经存在发展了近20年，如今，它将退出历史舞台？昨天，市场传闻北京将开始试点取消商品房预售制度。消息一出，舆论哗然，地产股更是闻声暴跌。据悉，住建部否认了该传闻。

Commodity house opens to booking system，Also is our familiar“Buy forward delivery housing”，In our country there have been developed in recent 20 years，now，It will retire from the stage of history？yesterday，Market speculation Beijing will start pilot cancel commodity house opens to booking system。News a，Public outcry，Property counters were also heard slump。It is reported，Live JianBu denied the rumors。

　　地产股暴跌，住建部否认

With property slump，Live JianBu deny

　　取消商品房预售制度的传闻率先在证券市场上发酵。记者看到，截至在昨天收盘，房地产板块跌4.53%，跌幅居各行业之首。“招保万金”四大房企中，招商地产(000024,股吧)和保利地产(600048,股吧)分别下跌9.81%和9.17%，几近跌停。万科与金地也分别下跌6.75%和6.38%。其他跌幅超过5%的还包括中南建设(000961,股吧)、中天城投(000540,股吧)、中粮地产(000031,股吧)、广宇发展(000537,股吧)等地产股。

Cancel the commodity house opens to booking a system that takes the lead in the securities market fermentation。The reporter sees，In yesterday's close by，Real estate plate fell 4.53%，The drop is a major industry。“Recruit the gold”Four big room in the enterprises，Investment real estate(000024,guba)And poly real estate(600048,guba)Falling by 9.81% and 9.17% respectively，Nearly drop stop。Vanke and gold base also falling by 6.75% and 6.38% respectively。Other fell more than 5% of the also includes zhongnan construction(000961,guba)、Zhongtian city for(000540,guba)、Cofco property(000031,guba)、Cosmos development(000537,guba)Sector such as。

　　罕见暴跌令业内哗然，其导火索被认为是当天传出的北京试点取消商品房预售制度的消息。传闻的出现颇为诡异，有消息称是某央行货币委员会委员在一家企业路演时透露，也有人表示是中央督察组巡查全国房地产市场表态，但消息均被澄清或未获证实。

Rare crash to the industry in an uproar，The fuse is considered to be the efferent Beijing pilot cancel commodity house opens to booking a system message。The emergence of the speculation rather strange，A source says is one of the central bank's monetary committee in a enterprise road show reveal，Also some people said is the central DuChaZu patrols the national real estate market comment，But news were clarified or has not been confirmed。

　　对于取消预售制的传言，业内人士普遍认为不靠谱。多家房企负责人表示没有得到北京要取消预售制度的通知，取消也不太可能。快人快语的华远地产(600743,股吧)董事长任志强更直言，有脑子都知道是谣言。

To cancel pre-sale system the rumours，The personage inside course of study is generally believed that by spectrum。Several room enterprise person in charge said that didn't get Beijing to cancel pre-sale system notice，Cancel is unlikely。The KuaiRenKuaiYu huayuan real estate(600743,guba)The chairman RenZhiJiang more the truth，A mind all know is the rumor。

　　易居中国董事局联席主席兼总裁周忻表示：“地产股大趺，是因为在风传要取消房产预售制，你信 吗 ？在今天这个时点如果有些稳房价的小动作，我信；如果说出台覆复性的政策，我不信！ ”

Easy in China joint board chairman and President ZhouXin said：“Property counters were big fu has，Because in the hearsay to cancel estate pre-sale system，Do you believe it ？In this time if some steady house prices petty action，I believe；If issued overlying renaturation policy，I don't believe！ ”

　　据报道，针对该传闻，住建部新闻处昨天予以否认，称其是谣言。权威人士表示，商品房预售是《中华人民共和国城市房地产管理法》确定的一项制度，短期内如若取消将会造成供不应求反而引发房价暴涨，所以暂不会轻易取消。本次国务院督查组的调研会议中也并未提及。

According to the report，According to the rumours，Live JianBu press office yesterday denied that，Says it is a rumor。Authorities said，Commodity house opens to booking a is《The territory of the People's Republic of China on urban real estate administration》Established a system，In the short term if cancel will cause demand exceeds supply but cause prices soaring，So temporary not easily cancel。The DuZhaZu investigation under the state council meeting also did not mention。

　　取消预售制，影响几何？

Cancel pre-sale system，Influence geometry？

　　那么，商品房预售制度到底能不能取消？该不该取消？

so，Commodity house opens to booking system exactly can cancel？This shouldn't cancel？

　　商品房预售是指房地产开发企业将正在建设中的房屋预先出售给承购人，由承购人预先支付定金或房款的行为。开发商可通过这种方式实现资金的回笼，实现下一步扩张。我国商品房预售制度始于1994年，当时正处于房地产发展初期，建立目的是扶持成长中的房地产开发企业，降低房地产企业资金壁垒。

Commodity house opens to booking a is refers to the real estate development enterprise will advance to sell the houses under construction to the act，The act by advance pay the earnest money or the behavior of house money。Developers can in this way to realize the capital withdrawal of，To realize the next expansion。Our country commodity house opens to booking system began in 1994，At that time is in real estate development initial period，To establish objective is the support of the growth of the real estate development enterprise，Reduce the real estate enterprise capital barriers。

　　中国房地产经理人联盟秘书长陈云峰介绍，商品房预售制度和买房按揭这两个杠杆，使得10年来房地产行业得到了坐山车般的发展速度。依靠这两个杠杆，开发商用很少的资金，撬动了5—6倍的房地产投资项目。全国3万多家开发商中，80%资金依赖于这种来源模式。

China's real estate managers league secretary general ChenYunFeng is introduced，Commodity house opens to booking system and buy a house mortgage the two lever，Make ten years real estate industry got sit mountain of car development speed。Rely on the two lever，Development business very little money，Move the 5-6 times of real estate investment projects。In the national 30000 developers，80% capital depends on the source mode。

　　与现房相比，期房存在很多弊端，比如出现开盘宣传与实际交房不符等纠纷。此外，虽然各地政府相继出台预售资金监管政策，要求商品房预售资金全部存入专用账户，但违规挪用的情况依然存在。被誉为本轮调控破产第一例的杭州金星房地产，其在杭州市余杭区的西城时代家园项目，就因为商品房预售资金账户被开发商挪用，导致后期工程无法推进，相关验收手续也无法办理，700余业主权益受损，最后不得不由当地政府出面买单。

Compared with a house，Forward delivery housing has many disadvantages，Such as propaganda and actual make a room appear opening not dispute and so on。In addition，Although the local government have issued pre-sale funds supervision policy，Commodity house opens to booking a fund for all special account deposit，But illegal appropriation situation still exists。This regulation is regarded as the first case of bankruptcy of the hangzhou real estate Venus，The hangzhou city yuhang area wl age home project，Because of commodity house opens to booking a capital account developers appropriation，Lead to later engineering can't advance，Related acceptance formalities cannot deal with，More than 700 owner's equity damaged，Finally had to pay by the local government。

　　北京中原地产市场研究部总监张大伟表示，虽然期房存在很多弊端，但如果现在取消商品房预售制，开发商资金压力将明显增加，楼市会被少数国企及大房企而独占，房价不仅不会下调，反而会继续明显上涨，有50%的房企可能面临被兼并或者倒闭的风险。

Beijing central plains real estate market research department director ZhangDaWei said，Although the forward delivery housing has many disadvantages，But if now cancel commodity house opens to booking system，Developer fund pressure will be increased significantly，The property market will be a few state-owned enterprises and large room enterprises and monopoly，Not only will not cut prices，It will continue to rise apparently，50% of the room enterprises may face the risk of annexation or collapse。

　　21世纪不动产上海区域分析师罗寅申指出，目前在售的物业项目大多属于预售型销售，如果真的取消预售，将对开发商形成致命冲击。该政策的影响程度基本等同于限购，全面实施的可能性并不大。

The 21st century real estate Shanghai area LuoYinShen analysts pointed out，At present in the sale of real estate projects mostly belong to open to booking a type sales，If really cancel pre-sale，Will the developers form fatal impact。The policy of the influence degree of the basic equivalent to be restricted，Of the overall implementation of the possibility is not big。

　　但也有业内人士提出，全世界采取预售制的国家并不多，没有预售制也不见得房价更贵，认为取消预售是房价上涨的原因，并不能理解。

But there are also put forward the personage inside course of study，The whole world were to open to booking system countries is not much，No pre-sale system also not house prices more expensive，Think cancel pre-sale prices is the reason，And can't understand。

　　财经评论员马光远就称“说取消预售会引发房价暴涨，纯属吓唬人的把戏”。他表示，取消预售只是把期房销售变成了现房销售，改变了开发商的融资模式，逼迫开发商通过加快楼盘销售回笼资金，增加供给，削弱开发商对价格的控制能力，有利于房地产市场的稳定。同时，中小型开发商将面临洗牌，整个产业链的质变将影响中国经济发展。

Financial commentators MaGuangYuan called“Said cancel pre-sale will cause prices soaring，The trick is to scare people”。He said，Cancel pre-sale just put forward delivery housing sales into a house sales，Change the developer's financing mode，Force developers to speed up the withdrawal of funds through building sales，To increase the supply，Weaken the developers on the price of control ability，Is beneficial to the stability of the real estate market。At the same time，Small and medium-sized developers will face shuffle，The whole industry chain qualitative change will affect China's economic development。

　　社科院建议取消期房预售

Cass suggests that we should cancel forward delivery housing pre-sale

　　事实上，因为商品房预售制度的弊端和推涨房价的争议，建议取消的声音并不少。就在上月23日，社科院财经战略研究院在京发布《中国住房发展（2012年中）报告》，其中也提及这项建议。

In fact，Because the commodity house opens to booking system malpractice and the pushing up house prices dispute，Suggest to cancel voice and a lot of。In the last month 23，Academy of financial strategy research institute issued in Beijing《China's housing development（2012 years）The report》，Which also refer to the proposal。

　　报告称，近年上半年市场走势已偏离调控目标，给下半年的调控增加了复杂性和难度。只要下半年政策得当，住房市场调整仍有望趋向价格缓慢下降的“软着陆”，并在此基础上实现健康发展。

The report says，In recent years, in the first half of the market trends already deviation control target，In the second half of the year to control increased complexity and difficulty。As long as the second half of proper policy，The housing market adjustment are still expected to slow down the price trend“Soft landing”，And on this basis to realize the healthy development。

　　在具体政策上，报告建议实施差别利率制度。包括取消“商业银行对个人住房贷款利率浮动区间的下限仍为基准利率的0.7倍”的优惠，改为“商业银行对个人住房贷款利率浮动区间的下限为基准利率”，二套房的贷款利率提升至基准利率的1.2倍等。

In the concrete policy，The report suggested the difference rate system。Including cancellation“Commercial bank of personal housing loan interest rate floating interval of the lower limit for the benchmark interest rate is 0.7 times”preferential，instead“Commercial bank of personal housing loan interest rate floating interval for the lower limit of benchmark interest rate”，The second suite lending rates up to 1.2 times the benchmark interest rate, etc。

　　值得注意的是，报告还建议，取消期房预售制度，创新房地产开发融资渠道。在开发商商品房库存量较大的条件下，适时取消期房预售制度，有利于控制开发商资金链，促进开发商快建快销。

It is important to note that，The report also suggested，Cancel the forward delivery housing pre-sale system，Innovation of real estate development financing channels。In the commercial housing developers under the condition of large inventory，Timely cancel the forward delivery housing pre-sale system，To control the developer fund chain，Promote developers quickly built fast pin。