June 1 New Real Estate Policy

June 1, new real estate policy: mortgage interest rate is lowered, minimum down payment is lowered, housing reform, property right renewal, and real estate division is not entangled.

1, the mortgage interest rate is lowered.

Since the beginning of 2023, many places across the country have announced the adjustment of mortgage interest rates, and the central bank has directly lowered the mortgage interest rates. This also shows that now the country has begun to enter the market to save the market, once again pulling up the real estate market. Nearly 100 cities across the country responded to this policy, and housing loans enjoyed the lowest interest rate. Some of these cities even released financial funds, hoping to stimulate the development of the real estate market and further enhance the vitality of the market.

2. The minimum down payment is lowered.

High housing prices are a kind of pressure for most people, and many families have emptied six wallets, only enough to pay the down payment on their houses. This situation has also changed this year. Many areas have lowered the down payment ratio, and low down payment can also buy a house. Huizhou City, Guangdong Province announced the adjustment plan, and the proportion of the first set of housing loans fell to 20%, and the proportion of the second set of housing loans also fell to 30%. In this way, in the face of high housing prices, buyers can buy a house as soon as possible through low down payment and live in their new home as soon as possible.

3. Property right reform

Many communities have their own properties, but conflicts between owners and properties occur from time to time. It often happens that the property is anti-customer-oriented, even insulting the owner because of some trivial things, and even causing physical conflicts. However, with the introduction of new regulations, the reform of real estate has also begun. At present, many parts of the country have begun to rectify the non-compliance behavior of property, and also set up reporting channels for owners to report, so as to restrain the behavior of property and improve the living quality of owners.

4. Renewal of property rights

When buying a house, many people will choose to pay attention to how long the property rights of the house will last. For some properties that are about to expire, they will basically not choose to buy. Especially for some small huxing, 40 years of property rights are daunting. However, this situation is about to change this year. At present, there have been 70-year-old houses in China, and the local property rights of such houses have been uniformly renewed. So what is certain is that after the property right of the house where we live expires in the future, we will also renew the lease.

5. The real estate division is not entangled.

The divorce rate in China continues to rise. When divorcing, there will often be uneven division of real estate, and even the problem of competing for the ownership of real estate. In this case, this year will also clearly stipulate that the trouble of real estate division will be completely eliminated. According to the new regulations, if it is a property purchased by one party before marriage, it belongs to one party's pre-marital property and divorce cannot be divided. This also allows many people who achieve the purpose of distributing real estate through fraudulent marriage to put an end to the vicious atmosphere of society.