China securities journal reporter recently learned in the survey that some banks in Changsha, Zhuhai, Jiangmen and other regions have lowered the first home loan interest rate to 4.25%; The implementation of the minimum first home loan interest rate varies from place to place, and the quota in some areas is relatively tight. With the introduction of the policy of stabilizing the property market, the real estate market in some areas shows signs of recovery.
The lowest interest rate in some areas is tight.
The reporter learned in the survey that many banks in Changsha, Zhuhai, Jiangmen and other cities have recently lowered the interest rate of the first home loan, which can be as low as 4.25% at present. Previously, banks in Hohhot, Jinan, Suzhou and other regions adjusted the interest rate of the first home loan to the level of LPR-20BP over five years.
A staff member of a state-owned bank in Zhuhai told reporters: "The interest rate has just been adjusted some time ago, and 4.25% is already the lowest level. At present, there is little difference in the interest rates of the first home loans of banks in Zhuhai. "
In terms of loan amount, a number of state-owned banks in Zhuhai told reporters that the current amount is sufficient, as long as the customer information is complete, the loan can be released after approval.
The situation in Jiangmen is similar to that in Zhuhai. The reporter learned that the interest rate of the first home loan of most banks in Jiangmen has been lowered a few days ago. At present, the lowest interest rate can be applied to 4.25%, and the interest rate of the second home loan is basically maintained at around 5.05%.
The situation in Changsha is slightly different. Although some cooperative banks of real estate developers can reduce the interest rate of the first home loan to 4.25%, the quota is very tight.
"The interest rate of 4.25% of the first home loan is generally obtained by buying a new house, and second-hand houses are rarely applied. This is the interest rate agreed by individual real estate developers and cooperative banks. " The loan manager of a state-owned bank in Tianxin District of Changsha told the reporter.
The manager of a real estate agency in Changsha also said that some of the developers' properties will achieve their sales targets in the middle of the year and will introduce preferential interest rates with cooperative banks. However, the loan amount at this interest rate is very tight, the number of places is limited, and the application conditions for buyers are also limited. There are not many car owners who can finally enjoy the discount.
In addition, the interest rate should be priced according to the credit rating of the buyers, and the personal credit status and monthly flow will affect the actual interest rate that individuals can apply for.
Measures to stabilize the property market in various places continue to exert strength.
According to the statistics of Central Plains Real Estate Research Institute, more than 100 cities issued policies to stabilize the property market in June. Zhang Dawei, chief analyst of Zhongyuan Real Estate, said that the policy of stabilizing the property market in many places has been continuously upgraded in strength and content.
The reporter found out that among the cities that released the care policy for the property market in the second quarter, there are many hot cities such as Chengdu, Hangzhou and Nanjing.
For example, the Notice on Increasing the Loan Amount of Housing Provident Fund for Houseless Households issued by the Hangzhou Housing Provident Fund Management Committee recently proposed that if an employee's family has no housing and no housing loan record, the maximum loan amount of the family will rise by 20% if he purchases ordinary self-occupied housing for the first time and applies for housing provident fund loans.
Insiders pointed out that this move will further play the role of provident fund credit, improve the differentiated credit policy of housing provident fund, and increase support for families without housing workers.
The provident fund policy has become the standard for stabilizing the property market, and many places have also raised the upper limit of housing subsidies. In addition, families with many children have become the main targets of policy support, and the property market regulation policies introduced by cities such as Wuhan, Hangzhou, Luzhou and Dongguan pay special attention to the housing needs of families with many children.
At the end of June, the Housing and Urban-Rural Development Bureau of Yongzhou City, Hunan Province issued 13 control measures related to housing subsidies and reducing the down payment ratio. Among them, the families of paid workers who have given birth to two or three children in line with the national policy can increase the maximum loan amount of the current housing provident fund by 65,438+10,000 yuan and 200,000 yuan respectively. This means that the maximum loan amount for employees' families with three children to apply for housing provident fund loans is 6.5438+0.2 million yuan.
The real estate market is expected to pick up gradually
Under the effect of a series of "combination boxing" to stabilize the property market, the property market in some cities has shown a warming trend.
According to the data of Suzhou Housing Management Bureau, in May 2022, 5,589 sets of new commercial housing were sold in Suzhou, up 50.89% from the previous month. In June, the transaction volume of new commercial housing was 17288 sets, up 209.32% from the previous month and 35.82% from the same period last year. The monthly turnover reached a new high since 202 1.
Guan Rongxue, an analyst at Zhuge Housing Search Data Research Center, said that since the second quarter, a series of measures, such as optimizing the provident fund loan policy, lowering the mortgage interest rate and relaxing the restrictions on purchases and sales, have played a more significant role in boosting the confidence of the Suzhou market. In June, as a key node for housing enterprises to sprint mid-year performance, the transaction volume of commercial housing in Suzhou increased significantly during this period.
Some insiders believe that the positioning of "housing and not speculating" will not change. Under the favorable "care" of policies, market confidence will continue to increase in the future. It is expected that the real estate market will pick up month by month in the second half of the year.