Since the the State Council executive meeting released the new "National Five Articles" on real estate regulation on February 20th, the news that the second home loan should be adjusted has been heating up on the Internet.
Recently, people have been posting information on forums, Weibo and Post Bar: "The down payment for the second suite of bank mortgage loans has been raised to 70%, and the interest rate has been raised to 65,438+0.3 times the benchmark interest rate." When this news came out, the market was in an uproar.
A few days ago, when our reporter visited and investigated the major banks in Chengdu, he found that the mortgage policies of various banks have not changed. The down payment for the first suite is basically 30%, and the interest rate is mostly based on the benchmark interest rate of the central bank. The down payment of the second home loan is basically 60%, and the interest rate is mostly 10% based on the benchmark interest rate.
The major banks visited by the reporter all said, "At present, no relevant notice has been received to adjust the second home loan."
A number of banks said that the down payment interest rate remained unchanged.
After the Spring Festival, the news that "the second home loan policy will be adjusted, the down payment ratio will be raised from the current 60% to 70%, and the interest rate will be raised from 1. 1 times to 1.3 times" has aroused concern.
Recently, many people in the industry believe that in 20 13 years, in the face of unstable market conditions, the control measures mainly by administrative means will be further tightened, and the mortgage may be further tightened. The biggest adjustment area (community network forum) may be the second home loan, which is likely to increase the down payment and interest rate.
The reporter calculated an account. If the down payment is 60%, the interest rate is 1. 1 times (interest rate is 7.2 1%), and the loan 1 ten thousand yuan will be paid off in 20 years. The monthly payment is 7879.5 yuan, and the total interest for 20 years is 724004 yuan. If the down payment is increased to 70%, the interest rate is 0.3 times of the benchmark of 65,438+,the interest rate is 8.52%, the loan term is 1 10,000 yuan, the monthly payment is increased to 8,690.9 yuan, and the total interest for 20 years is 855 550 yuan. Overpayment of interest is 6,543,800 yuan+0.3 million yuan.
The reporter learned from the major banks in Chengdu that the second home loan adjustment notice has not yet been received. In addition to the four major banks, Chengdu's Bank of Communications, Rural Commercial Bank, Guangfa Bank, Industrial Bank and other institutions all said that the second home loan has not changed compared with the previous year. The relevant person in charge of Hongxing Road Sub-branch of China Construction Bank told the reporter that at present, for the second home loan, the policy stipulates that the down payment is 60% and the interest rate will rise 10%. Specific implementation policies should be consulted with specific banks. A customer service staff member of the Bank of Communications Guangfu Sub-branch said, "The number of citizens applying for mortgages has increased after the holiday, and no adjustment notice has been received yet."
The real estate market is now "loose" for good development loans.
Recently, Citibank released the latest issue of Market Foresight Report. A special survey of more than 40 domestic developers shows that the land price has bottomed out, and the real estate market will stabilize when developers return to the land market. The report also shows that real estate is still very important in promoting economic growth, and the proportion of real estate investment in GDP has increased from 65,438+03.0% in 2065,438+065,438+0 to 65,438+03.8% in 2065,438+02.
"In terms of real estate development, bank development loans show signs of loosening." This reflects some subtle changes in housing enterprise funds and real estate development. For major housing enterprises, the loosening of development loans and the inflow of credit funds are just a kind of "timely help", and the most important thing is to have a positive impact on the future real estate market.
A person in charge of the financial institution market bluntly said, "Development loans have indeed loosened recently, but the level of lending is also polarized." More banks will transfer the credit lines originally belonging to small and medium-sized developers to large and medium-sized housing enterprises, and redistribute the credit resources within the system without increasing the balance of their own development loans.
"In the face of limited loan quotas, banks will tend to favor large real estate enterprises according to the comprehensive situation." Bank loan officer Ms. Shen said. Judging from the information provided by all parties, it seems that big developers in first-tier cities are not short of money this year, while the situation of small developers is the opposite.
(The above answers were published on 2013-12-17. Please refer to the actual situation for the current purchase policy. )
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