20% minimum down payment for buying a house in Yanjiao? Some banks have stopped urgently.

Yanjiao, which affects hundreds of thousands of "drifting north" mood, the housing market has picked up.

Recently, it was reported that the down payment for buying a house in Yanjiao was reduced to 20%, and the down payment for the second suite was reduced to 30%. Many real estate agents and sales staff claim that it is true. Previously, the down payment for the first suite in Yanjiao was 30% of the total price, and the down payment for the second suite was 50%.

However, according to the first financial report, some banks have stopped this news without official documents.

"Yesterday, it was said that the down payment for buying a house in Yanjiao was reduced to 20%. Several banks have notified it, but it may be that our publicity is too strong and it has attracted attention. Now it has stopped." Some local agents said.

"Regarding the down payment ratio of second-hand housing loans, the Postal Savings Bank and Huaxia Bank unilaterally announced that they can approve loans according to the first set of 20% and the second set of 30% down payment ratios, and all of them have been suspended until further notice." Another intermediary said.

There are also many intermediaries who said that after the news of 20% down payment was released yesterday, it received widespread attention. At present, publicity is not allowed, and communication with customers is based on the premise of "the first set of 30% down payment". We must continue to look at the follow-up policy direction.

Yanjiao is just a small town in sanhe city, Langfang, Hebei. From the straight-line distance, Yanjiao is about 30 kilometers away from Beijing CBD International Trade Center. Although it belongs to Hebei in administrative division, it has always been one of the options for many northern drifters to settle down: working in the imperial city during the day, sleeping in Yanjiao at night, and commuting to and from the two places every day.

This special geographical identity has led to the crazy rise of Yanjiao property market. As early as 20 16, under the hype of developers and the crazy influx of real estate speculators, Yanjiao house prices soared all the way. By 20 17, individual projects even exceeded 40,000 yuan/square meter, and the overall house price approached 30,000 yuan/square meter, far higher than the average level in Hebei.

Immediately, the supervision hit hard. On June 3, 20 17, Langfang City restricted the purchase and upgraded. Foreign household registration requires a three-year social security or tax payment certificate, and one set is restricted, and two sets are restricted for local household registration. Yanjiao property market, which belongs to Langfang, was hit. Up to now, there are still many high-rise property buyers who are miserable because they buy houses in Yanjiao, or even cut off their supply.

Under the epidemic, the property market in Yanjiao and other areas around Beijing was once again depressed. "Recently, the epidemic situation is more serious, and many of our employees have been blocked. Beijing customers can't get through, and the transaction volume is also very poor, but the sales in February and March are ok. " Some contemporary intermediaries said.

Judging from the actual data, the Yanjiao property market has recovered this year, but it is far from bottoming out. According to Ke Rui data, the overall turnover of Sanhe in February was bleak, with regional turnover of 125 sets, up1.63% from the previous month; The average transaction price was 2 13 1 1 yuan/square meter, down 2.44% from the previous month; The turnover was 2,665.438 million yuan, down 1.67% from the previous month and up 1 13.9% from the same period last year.

"Overall, the transaction volume of Sanhe property market is still at a low level. The cooling is related to the current decrease in demand for housing in the property market. Under the epidemic, it is inconvenient to enter and leave Beijing, which further limits the demand for housing in Beijing. " The above institutions said.

Due to the continuous low-temperature operation of the property market, Yanjiao frequently heard the news of loose policies. In fact, it's not just the down payment storm. Since 2020, the intermediary has said that the new house in Yanjiao has been opened, and the second-hand house in 202 1 has also joined.

At the end of last year, sanhe city Housing and Urban-Rural Development Bureau told reporters that foreigners need local social security for three years to buy a house in Yanjiao, and there is no official document to release the purchase restriction. However, in the latest communication, the staff of the Housing and Construction Bureau verbally let go, saying that "I heard that I can buy it", but there is no official document. If you don't take social security, it depends on whether you can sign online.

In this regard, many intermediaries and property consultants said that foreigners buy houses in Yanjiao without restrictions such as hukou and social security. The new house has long been liberalized, and the second-hand house was gradually liberalized last year. "We have done a lot of transactions, and the online signing is no problem. Many of them are existing homes and will not be charged extra, but the official can't say that. "

Guo Yi, chief analyst of Pegatron, told CBN that the core constraint of Yanjiao market is not to restrict purchases, nor how much demand can be awakened by reducing down payment 10%. The core problem of Yanjiao is to solve the overall development problem of Beijing-Tianjin-Hebei integration, break through the commuting bottleneck between Yanjiao and Beijing, and improve the service level of citizens.

For example, after the opening of Metro Line 22, can the checkpoint move out as soon as possible to normalize the epidemic, and the commute between Yanjiao and Beijing is smoother today; For another example, can Yanjiao's public service facilities reach Beijing's educational resources and medical resources, maintain a relatively high standard of living, and develop in the same city as Beijing?

"In the past, the housing prices in Yanjiao left a deep impression on everyone, especially with the emergence of this round of cases in the property market around Beijing. If the property market is only relaxed, it will not bring about obvious changes in the market situation. It still needs a systematic support policy to integrate it into the big pattern of Beijing's development and realize the linkage between industry and public services. On this basis, Yanjiao's housing prices will fall off a cliff. Guo Yi said.