Bank of Communications:
The New Deal will be implemented at the end of September.
The reporter learned that after the introduction of the New Deal, some banks in our city quickly followed suit. A personal loan manager of Bank of Communications said that he received news on the afternoon of September 30 and began to implement the New Deal. There are also banks that did not implement the New Deal immediately because the "9.30 New Deal" was introduced during the National Day holiday, and it was not implemented until recent days.
Although some banks have begun to implement the new policy of 25% down payment, the reporter found that there are still differences on some details of the new policy. For example, regarding whether "buying a house for the first time" means "the first suite", the reporter asked the credit departments of five major banks about this matter, and the staff all said that the current policy is that in principle, as long as there is no loan purchase record, it can be recognized as the first suite after purchase, and you can enjoy the 25% down payment policy. In addition, the restrictions and requirements of major banks on the down payment of 25% are not the same.
A personal loan manager of Zhuhai Industrial and Commercial Bank said that at present, the bank stipulates that buyers without loan records can enjoy this policy when they purchase real estate in Zhuhai's non-restricted areas for the first time. If you buy a property in the restricted area, or have applied for a loan to buy a house before, the down payment is still 30%.
The staff of the Bank of Communications also said that the purchase of first-hand houses in Zhuhai's restricted purchase area by loans would be disturbed by the restricted purchase policy. If you have previously purchased a house with a housing area of less than 144 square meters in the restricted area, the down payment for applying for a loan to buy a house is still 30%, but if you buy a second-hand house in the restricted area, you can make a down payment of 25%. "Recently, many people have asked this question. After all, this policy is actually attractive to buyers, but not many people really do it. " Bank of Communications staff told reporters.
A personal loan manager of China Bank said that for the first time to buy a house, whether in restricted or non-restricted areas, if there is no real estate under the name of the borrower's family, he can enjoy a down payment of 25% after the implementation of the New Deal; If the borrower's family name has a loan purchase record, no matter whether the loan is paid off or not, you can't enjoy this discount when buying a house again.
CCB:
Waiting for the provincial bank to issue specific guidelines.
Recently, it has also been reported that in Guangdong Province, Guangdong Branch of China Construction Bank has officially implemented the "25% down payment for the first home loan in non-restricted areas". In addition to Shenzhen (not under its jurisdiction) and Guangzhou 10 districts, the down payment of the first home loan in other areas of Guangdong Province, including Zengcheng and Conghua in Guangzhou, was lowered from 30% to 25%. However, Du Nan reporter consulted the personal loan department of CCB as a citizen yesterday. The staff said that they are still waiting for the specific guidance of the provincial bank, and the specific identification criteria have not yet come down. Therefore, it is still implemented in accordance with the policy of 30% down payment for the time being. It is expected that the New Deal will land soon.
The staff of the Agricultural Bank also told reporters that they have heard of this policy, but they have not received the official documents from the head office, so the New Deal has not yet been implemented, and it is uncertain when it will be implemented.
Some state-owned bankers who did not want to be named told Nandu reporters that in their internal view, there is actually no substantial change between the current down payment of 25% and the previous down payment of 30%, but for those who just need to buy a house, the down payment budget pressure can be smaller. "At present, the personal loan market in Zhuhai is relatively stable and the mortgage is not tight, so this policy is nothing for the banking industry. Anyway, the state will implement it if it has policies. "
Real estate industry reflects
Affected by the New Deal, the number of people watching buildings on National Day is several times higher than usual.
For the first time, households purchase commercial personal housing loans for ordinary housing, and the minimum down payment ratio is adjusted to not less than 25%, which means that the threshold for buying houses is further lowered and the confidence of buyers in the property market is also enhanced. Southern Reporter noticed that when the "9.30 New Deal" came out, the Zhuhai real estate circle exploded, and many insiders said that the property market ushered in another big advantage. Some buildings also take the opportunity to advertise. For example, the official WeChat of Tangjiawan, a brand-new property, also advertised "25% down payment for buying a house in Zhuhai, and the best time to buy a house has come" yesterday.
During the National Day, when Southern Reporter was looking at the building in Doumen Times Allure Project, dozens of property buyers were looking at the building. Sales staff said that projects such as Times Allure and Times Xianghai can already enjoy the preferential policy of 25% down payment. Due to the influence of the New Deal, the number of citizens who came to see the building during the National Day was several times higher than usual. "I received a notice from the bank two days ago, saying that in Zhuhai's unrestricted purchase area, as long as there is no loan record, there is no room in the local area, and customers who buy ordinary housing and meet the above three conditions can implement a down payment of 250% for the first suite. But if you have had a housing loan, it will not work, or follow the original policy. "
Foundry account
Buy a million-dollar property and pay less every month. 44 1 yuan
According to the understanding of the policy, at present, Zhuhai West District (including Jinwan District and Doumen District) belongs to an unlimited purchase area, and the average price of first-hand commercial housing is generally around "8 prefix". If the total price of the first real estate purchase is 6,543,800 yuan, the commercial loan will be paid off in 20 years. According to the policy of 65438+ 10 last year: down payment: 300,000 yuan; Loan: 700,000 yuan; The benchmark interest rate for loans over five years is 6.55%, and there is no discount for banks to implement the benchmark interest rate. The monthly supply and demand is 5240 yuan. According to the current policy: the benchmark interest rate is 5. 15%, the bank interest rate is 10%, the down payment is 250,000, the loan is 750,000, and the monthly payment is 4,799 yuan. The down payment is reduced by 50,000 yuan, and the monthly payment is reduced by 44 1 yuan.
Industry forecast
More rescue policies are expected to continue to be introduced.
Li Bingliang, general manager of Zhuhai Zuoan Real Estate, pointed out that from the introduction of this policy, it can be seen that the state wants to convey the message of stabilizing the development of the real estate market. "However, at present, the real estate market has entered a relatively balanced era. In some cities, supply exceeds demand or demand is not strong. Even if the policy has a certain role, personally, it has little effect. "
Li Bingliang believes that the overall decline of the domestic economy will bring many uncertain influences to the whole society. From the investment point of view, the most favorable industry is real estate, because the investment in the real estate industry is the fastest, which has obvious short-term pulling effect. Therefore, in recent years, the state has adopted more relaxed policies for the real estate industry, such as taxation, housing subsidies, provident fund, interest reduction and other policies, and for example, the down payment has been reduced from 40% to 30% to 2.5% now. These policies are all aimed at promoting the development of real estate. "I expect that the easing policy may not be over yet, and there may be more policies to stimulate the property market in the future."
The first suite in all walks of life
A loan manager of China Bank: The borrower's family has a loan to buy a house. No matter whether the loan has not been paid off, he can't enjoy the New Deal discount if he buys a house again.
A loan manager of Industrial and Commercial Bank of China: Buyers who have no loan records can enjoy the New Deal concessions if they purchase real estate in Zhuhai's non-restricted area for the first time.
Bank of Communications staff: Loans to buy first-hand houses located in Zhuhai's restricted purchase area will be disturbed by the restricted purchase policy. If you have previously purchased a house with a housing area less than 144 square meters in the restricted purchase area, the down payment for applying for a loan to buy a house is still 30%. When buying a second-hand house in the restricted area, you can pay a down payment of 25%.