Many places have introduced the policy of "recognizing houses but not loans". What is "recognizing the house but not the loan"? Will this policy promote the sale of houses?

To put it simply, "recognizing the house and not recognizing the loan" means that the buyer can apply for the first home loan according to the loan standard as long as he can prove that there is no house under his name, regardless of whether there is a loan record under his name. If you have a suite and want to buy another suite, whether your loan is paid off or not, you can approve it according to the standard of the second suite.

Compared with the previous policy of recognizing housing and not recognizing loans, it is obviously a lot closer to the people to adjust to recognizing housing and not recognizing loans. Only depends on the number of properties in your name, regardless of your loan record. After the introduction of the policy, two first-tier cities, Guangzhou and Shenzhen, have been implemented.

This policy will promote housing sales to a certain extent, and the impact on property buyers is obvious, because the promotion of this policy is to stabilize the real estate market and stimulate everyone's desire to buy houses. For example, if someone already has a suite under his name, he can sell it, and then buy a house to enjoy the loan policy of the first suite, and also buy a house according to the down payment ratio of the first suite. If we follow the previous policy of "recognizing the house and recognizing the loan", even if he sells a suite and then buys it, it will be a second suite, and the cost will be much higher.

Let's look at these two advantages:

? Reduce the down payment ratio

The biggest advantage of not accepting loans is that the down payment ratio is reduced. Many families with a down payment of 50% or even 70% can return to a down payment of 30%. If they have housing provident fund, they can apply for provident fund loans when buying a house, and the down payment ratio of the first suite can be reduced to 20%. For buyers who have increased down payment pressure, the early stage can reduce a lot of pressure!

For example, according to the Guangzhou real estate market where I live, if there are no purchase records and loan records, the down payment ratio for purchasing commercial housing is 30%; If there is no room with loan record, the down payment is 40%; Buy a house in full, or have paid off the loan, and buy a house again with a down payment of 50%; The down payment on outstanding mortgage is higher, reaching 70%! Therefore, the introduction of this policy can help reduce the down payment ratio.

Lower the threshold for buying a house

Some people didn't think clearly when they first bought a house, and bought a house outside their hometown or work. If they plan to buy a house near their workplace, the down payment may be 50%. This money is not a small amount, which directly cuts off many people's minds.

However, according to the policy of recognizing houses but not loans, houses in other places can be sold or not. As long as you don't have a house in this place, you can calculate it according to the first suite policy and interest rate. The first interest rate is 4.0%, and the second interest rate is 4.8%. If the loan is 1 10,000, the interest will almost be saved10.7 million! It can not only reduce certain economic pressure, but also buy a house you like to a certain extent, making life more stable, which can be said to lower the threshold for buying a house.

The effect of the policy of recognizing houses and not recognizing loans in first-and second-tier cities may be obvious. The relaxation of the settlement policy will stimulate people who have the desire to buy houses to a certain extent, but it may not be effective for third-and fourth-tier cities, because there are not many people in third-and fourth-tier cities who want to buy houses themselves. Many local people can only make up enough down payment to pay for their houses for a lifetime, and will not consider replacement again, with the aim of seeking stability.

Especially at present, the real estate market is in a downturn. The purpose of this policy is to maintain stability, which will not promote the skyrocketing, and will not let the real estate market plummet. It's good news for those who have the ability to buy a house, but it has little impact on many ordinary people, especially those who buy the first suite. Is purely an outsider. How many ordinary people can replace the house, even the down payment of the house can't be taken out ... buying a house should be judged according to their own economic ability and various conditions.