Midland realty miaohongyu

The central bank and the China Banking Regulatory Commission jointly issued a new mortgage policy, proposing that in cities that do not implement the "purchase restriction" measures, the minimum down payment ratio for the first suite is 25% in principle, and all localities can drop by 5 percentage points. Because the city has not implemented purchase restriction measures, this means that the minimum down payment ratio for citizens to buy the first suite can be reduced to 20%. However, people from commercial banks in Chongqing said that they need to wait for local guidance and there is no implementation timetable at present.

The down payment ratio of the first suite dropped to 20%

The new mortgage policy issued by the two ministries clearly pointed out that in cities that do not implement the "purchase restriction" measures, the minimum down payment ratio of commercial personal housing loans for ordinary housing is 25% in principle, and can be lowered by 5 percentage points in various places; For households that own 1 apartment and the corresponding housing loans are not settled, in order to improve their living conditions, they should apply for commercial personal housing loans to buy ordinary housing again, and the minimum down payment ratio should be adjusted to not less than 30%. For cities that implement the "purchase restriction" measures, the individual housing loan policy is still implemented according to the original regulations.

After investigation, it was found that only 25% of the down payment of Chongqing citizens' loan to buy the first suite became a reality in June 5438+ 10 last year. Since Chongqing did not implement the purchase restriction measures, which met the mortgage requirements implemented since June last year 10, Chongqing Branch of ICBC, Chongqing Branch of Bank of China and Chongqing Branch of China Construction Bank began to implement the policy of 25% down payment for the first suite from June 10 after receiving the notice from the head office. At present, the down payment ratio of the second home loan is still 40%.

There is no timetable and there is no one-size-fits-all approach.

"The head office has forwarded the notice today, and now it is necessary to wait for the Chongqing Management Department of the People's Bank of China and the Chongqing Banking Regulatory Bureau to issue local implementation opinions in light of the actual situation in Chongqing." The person in charge of the personal loan department of a large state-owned commercial bank in the city introduced.

"It may not be' one size fits all' and will be comprehensively evaluated according to the specific situation of customers. If the personal credit conditions are good, then the minimum down payment ratio for purchasing the first suite may drop to 20%. " The person in charge of the personal loan department of another state-owned commercial bank in the city said. When will citizens enjoy this new policy? "Need to wait for local guidance, temporarily can't give a specific timetable. At present, it is still implemented according to the minimum down payment of 25% for the first suite. " The person in charge of the personal loan department of another joint-stock commercial bank, Chongqing Branch, said that the New Deal requires banking financial institutions to reasonably determine the specific down payment ratio and interest rate level according to the borrower's credit status and repayment ability, which means that the down payment ratio may be different. For high-quality customers with good credit status, it is expected to enjoy a minimum down payment of 20%.

affect

Conducive to buyers who just need it.

"Once the new mortgage policy is implemented, it is an urgent need for me." Mr. Zhu and his wife in Yuntai Town, Changshou are both working in the main city. Some time ago, I took a fancy to people nearby and a 79-square-meter two-bedroom apartment. According to the original down payment of 25%, the down payment needs 158987.5 yuan. If the down payment is calculated at 20%, the down payment burden of more than 30,000 yuan will be reduced. "If it is the previous payment, there will be no savings after the payment. According to the New Deal, there are more than 30,000 cash after the emergency payment is paid. " People from commercial banks in the city said that if the minimum proportion of the first suite falls to 20% and becomes a reality in Chongqing, the threshold for just-needed buyers will drop sharply. For blue-collar workers, returning migrant workers and other housing groups, the stimulus will be more obvious.

The short-term effect of destocking pressure is hard to see.

"For development enterprises with high inventory pressure, the policy effect will not appear soon." The head of the marketing department of a large real estate development enterprise in Chongqing said that the number of people who reduce the impact of down payment is limited, and the market has a strong wait-and-see mood. Miao Hongyu, general manager of Chongqing Midland Property, also holds the same view: the introduction of the New Deal is good for destocking and will stimulate some people who just need it to enter the market in advance, but the benefits are in the medium term and it is difficult to see the effect in the short term.

"This is the first time that the China real estate market has fallen back to 20% since June 2006 1 raised the down payment threshold." Yang Hongxu, vice president of Yiju Research Institute, said that this means that the down payment ratio of real estate has dropped to an all-time low.

Zhao Rong, an analyst at Rong360, believes that the boosting effect of the New Deal on the property market remains to be seen. We expect that after the policy fermentation of the Spring Festival, the first warm current of the property market will be ushered in after the holiday.

prospect

The warm wind of real estate policy will not stop.

What is the future trend of real estate policy? Zhu Zhenxin, the macro of people's livelihood, believes that the warm wind of real estate policy will not stop in the next two or three years. On the one hand, it is necessary to go to inventory. On the other hand, there is no risk of rising house prices as a whole, and there is room for policy relaxation. The next step worth looking forward to is the further adjustment of taxes and fees in the transaction link (relaxing the collection standard and changing the collection method), the adjustment of housing standards, the sale of affordable houses by rent, and the establishment of the National Housing Bank.

Recently, a domestic financial institution released a report on China mortgage market in June 20 16, pointing out that the average interest rate of the first home loan in the country in that month was 4.48%, which continued to hit a record low. It decreased by 0.0 1% month-on-month and 0.95% year-on-year. For the citizens who plan to go to mortgage to buy a house in the short term, the pressure to start now is less.

The average interest rate in Chongqing is 4.36%

The report shows that in June, the average interest rate discount of 6 banks in our city/KLOC-0 was 8.90, and the average interest rate was 4.36%. In terms of the first home loan policy, 4 companies implemented a 15% interest rate, and 12 companies implemented a 10% interest rate. The mainstream down payment ratio of the first suite is 20%.

In terms of second-home loan policy, Standard Chartered Bank has the lowest loan interest rate, with the benchmark interest rate rising by 5%. Other banks are floating at the benchmark interest rate 10%. The mainstream down payment ratio of the second suite is 30%.

It is worth mentioning that in June, Chongqing ranked tenth among the 10 big cities with the lowest average interest rate of the first suite in China. Among the big cities 10 with the largest preferential interest rate for the first suite in China, Chongqing also ranks among them, ranking eighth.

Banks with a down payment of 20% may raise it.

The report pointed out that after the central bank and the China Banking Regulatory Commission issued the Notice on Adjusting Personal Housing Loan Policy in February, many banks across the country adjusted the down payment ratio of the first suite.

As of June 20th, among the 53/kloc-0 banks in China, * * * 306 banks have adjusted the down payment ratio of the first suite to 20%, an increase of 13, accounting for 57.63%.

Of the 53/kloc-0 banks in China, 89 have a down payment of 2.5%, and 128 have a down payment of 30%. According to the analysis of the report, under the influence of national policies, the number of banks with a down payment ratio of 20% for the first home will continue to increase in the future.