Before the festival, the central bank and the China Banking Regulatory Commission issued a notice to adjust the minimum down payment ratio of commercial personal housing loans to not less than 25% for households who purchase ordinary housing for the first time in cities that do not implement the "purchase restriction" measures. Previously, this minimum ratio was 30%.
The credit policy known as the throat of the property market is quietly changing. Before the festival, the central bank and the China Banking Regulatory Commission issued a notice to adjust the minimum down payment ratio of commercial personal housing loans to not less than 25% for households who purchase ordinary housing for the first time in cities that do not implement the "purchase restriction" measures. Previously, this minimum ratio was 30%.
The reporter learned from the Housing and Urban-Rural Development Department of our province that no city in Henan has restricted purchases. According to industry insiders, the three groups of people will directly benefit, and the down payment for one million properties can be reduced by about 50,000 yuan.
/kloc-the down payment for a house of 0/100,000 can be reduced by 50,000.
Before the festival, the central bank and the China Banking Regulatory Commission issued the Notice on Further Improving the Differentiated Housing Credit Policy, which attracted the attention of the property market.
According to the notice, in cities that do not implement the "purchase restriction" measures, the minimum down payment ratio for commercial personal housing loans for households to purchase ordinary housing for the first time is adjusted to not less than 25%.
During the National Day holiday, the reporter visited Zhengzhou property market and found that although the policy has not yet been implemented, many properties have taken the lead in advertising "25% down payment" to attract customers. Many property buyers said that this policy will encourage them to buy a house.
The reporter learned from the Provincial Department of Housing and Urban-Rural Development that no city in Henan has restricted purchases. This means that all cities in Henan are non-restricted cities. According to the New Deal, these cities "adjust the minimum down payment ratio of commercial personal housing loans for households to purchase ordinary housing for the first time to not less than 25%".
Liu She, a professor at henan university of economics and law, said that the average house price in Zhengzhou is around 9,000 yuan/square meter. If a house with a value of 6.5438+0 million is implemented, the down payment can be reduced by about 50,000.
According to industry insiders, from the perspective of the New Deal, residents must purchase houses for the first time, so families with improved needs cannot enjoy this policy; In addition, residents must buy ordinary housing, that is, the area is below 144 square meters. Therefore, migrant workers, newly graduated college students, and others who have no housing are all direct beneficiaries.
All localities will implement the New Deal one after another, and purchase houses or offer more concessions in the fourth quarter.
When will this new policy be implemented? Many people are particularly concerned. Song, executive vice president and secretary general of Henan Commercial Economics Association, said that according to the circular, the dispatched offices of the People's Bank of China and the China Banking Regulatory Commission should strengthen communication with local governments in accordance with the principle of "classified guidance and local policies" and guide the self-discipline mechanism of interest rate pricing in provincial markets to independently determine the minimum down payment ratio of commercial personal housing loans within their jurisdiction on the basis of the national unified credit policy according to the situation of different cities within their jurisdiction. In other words, all localities will implement policies one after another according to their own conditions.
According to industry insiders, credit is the blood of the property market. In late August, the central bank implemented a "double drop", and the interest on commercial loans fell to a historical low, reducing the cost of buying a house. The new policy of lowering the minimum down payment will prompt many people to enter the property market. This person analyzed that after the policy was released, it stimulated the property market transaction in the "Eleventh" Golden Week. In the fourth quarter, developers will stimulate sales through various channels, and the property market may usher in a wave of concessions.