Before the introduction of the new policy, the first home loan in Wuhan can enjoy the first home treatment with a minimum down payment of 30%; The first set has not been paid off, and the second suite has a down payment of 70%; Loans are not allowed for the third suite.
The first suite of provident fund loans is less than 90 square meters, and the down payment can be 20%, more than 90 square meters and 30%. If both husband and wife use provident fund loans for the first time, and only one set of housing under the family name is insufficient140m2, or both husband and wife have used provident fund loans to buy houses and the loans have been settled, and the current housing area is insufficient140m2, and they apply for provident fund loans again, they will be regarded as second suites.
The introduction of the new policy means that the purchase policy is completely loosened. Li Guozheng, executive director of Hubei Real Estate Economics Association, said that in terms of commercial loans, according to the latest regulations, whether the loan for the first home is paid off or not, the down payment for the second home can be 40%, which is significantly lower than the original requirement of 70% in Wuhan, releasing the purchasing power of ordinary families is good for the sales of middle and high-end houses.
As far as the provident fund is concerned, Wuhan's previous second-home loan stipulated that the existing housing should not be larger than 140 square meters, but the Ministry of Finance did not link it with the existing housing area. Obviously, the threshold has been relaxed, which has played the biggest role in promoting some families who bought large-sized houses before to buy houses again.
In recent years, Wuhan property market transactions have been in a hot state. In 20 14, the residential transaction in Wuhan was17.9 million square meters, ranking first in the country and hitting a new high for three consecutive years. In the first quarter of 20 15, the number of residential transactions in Wuhan is expected to break 40,000, compared with 35,000 in the first quarter of last year. In the next few years, Wuhan will open a subway every year. There is still room for improvement in urban construction, industry and population, but the inventory and supply are also considerable. Li Guozheng believes that under the influence of these comprehensive factors and the boost of the New Deal, it can be expected that the inventory of Wuhan property market will accelerate, and the overall market within the Third Ring Road will bottom out in the first half of the year. It is not excluded that some projects will start to take advantage of the subway policy to raise prices, and the entire Wuhan property market is expected to usher in a genuine "Golden, Three Silver, Four Red May".
The down payment for the second home loan dropped to 40%
Second-hand houses are exempt from business tax for two years, and it is hard to say that Jiangcheng property market will rise under favorable stimulus.
The Ministry of Finance of People's Republic of China (PRC) and State Taxation Administration of The People's Republic of China jointly announced that China will adjust the business tax policy on individual housing transfer from March 3, 2065 to March 0, 2065, in which the period for individuals to resell purchased ordinary housing will be reduced from the current purchase period of more than 5 years (including 5 years) to more than 2 years (including 2 years).
In addition, the minimum down payment ratio of the provident fund to purchase the first suite is reduced to 20%, and the minimum down payment ratio of the provident fund to purchase the second suite is 30%.
Real estate developers: promoting good sales.
The New Deal benefits first-and second-tier cities. The new real estate policy is a positive impetus to the market, and its impact will be more obvious in first-and second-tier cities, while the third-and fourth-tier cities are limited by the relationship between supply and demand, and the role of the new policy may not be great.
The person in charge said that the new real estate policy is an "accelerator" for lake view rooms with good location and convenient transportation. For example, Guanlan Golf Property adjacent to Hanyang Wang Yong Business Circle can now sell dozens of sets a day, and it is expected that the new policy will accelerate the sales progress of similar commercial houses.
Citizen: There is more room for choosing a house.
"The down payment for the second suite has been reduced, so you can choose more houses." Yesterday, seeing the news that popped up on the Internet, Ms. He immediately called her husband.
Ms. He told reporters that in order to study for her children, the family is going to buy an educational real estate near the intersection of Wuchang Street, but because there is not much spare money at hand, there are too few houses to choose from, which is not ideal. "We made a down payment of 500,000 yuan, and the previous down payment was 60%. We can only choose houses with a total price of less than 830,000 yuan, which are basically one bedroom, one living room or two small rooms, "Ms. He said. "The down payment is reduced to 40%, which means that we can choose a house with a total price of 654.38+0.25 million yuan."
Calculate economic accounts
The down payment 1.3 million can be reduced by 260,000.
Mr. Luo, who lives in Wuchang, has always been optimistic about a house with a total price of10.3 million yuan and is ready to apply for a commercial loan. If the down payment is 60%, Mr. Luo needs to pay a down payment of 780,000 and a loan of 520,000. According to the equal principal and interest for 20 years, the monthly payment is 396,008 yuan, and the total interest is 430,000 yuan. If the down payment is 40%, Mr. Luo only needs a down payment of 520,000 yuan and a loan of 780,000 yuan. In the same 20 years, the monthly payment is 594,0438+02, and the total interest is 645,000 yuan. "Although the loan interest is more, the 260,000 yuan saved can be used for investment and may earn more." Mr. Luo checked that the current interest rate of the second home loan is 1. 1 times the benchmark interest rate, 6.77%. "Now that the bull market is coming, trading stocks or buying funds earns much more than this."
It is more cost-effective for citizens who buy houses with housing provident fund. After the adjustment, the down payment for buying the first suite with the provident fund will be reduced to 20%. The same house, 1.6 million, the previous down payment was 480,000, and only 320,000 was needed in the future.
The transfer fee of 500,000 second-hand houses is nearly 30,000.
JUNG WOO, who rents a house at the street crossing, is going to buy a suite in Wuhan recently. The budget is about 6.5438+0.5 million, and the total price is about 500,000. "I was going to buy a decorated second-hand house and I can live directly. But I asked a lot of people, about 500,000, and the transfer fee and the agency fee got 50,000 to 60,000. " This forced JUNG WOO to give up the second-hand house temporarily.
Now, JUNG WOO is interested in second-hand real estate. "If' full 5' is changed to' full 2', there should be many houses hanging out for two or three years or even more than one year." Xinhai, the real estate agent of Century Hongtu, told the reporter that "the transfer fee of the house was reduced from 8.3% to 2.6% after the 5.7% business tax was exempted." "For a 500,000 house, the transfer fee can be reduced by nearly 30,000." JUNG WOO said.
Trend forecast
Real estate developers dare not shout easily.
Yin, a professor at China Geo University, believes that housing prices in Wuhan should not rise rapidly for the time being, which depends on the speed of implementation and the degree of follow-up. The new real estate policy is an important factor affecting real estate, but it is not the main factor. He believes that the main factor is the contradiction between supply and demand, and the real estate supply in Wuhan is far greater than the demand. At present, the housing for sale in Wuhan140,000 square meters will take at least 10 months to digest. Yin predicted that in the future, housing prices in Wuhan will go up and down, the traffic facilities in the central city will be good, and the landscape will go up. For example, the landscape houses around the Third Ring Road will rise, and the houses in the new city may fall.
Li Guozheng, research director of Central China Branch of China Index Research Institute, said that under the huge inventory pressure, all properties dare not rashly raise prices. 2 1 Century Real Estate Wuhan Regional Marketing Director Lei Huang believes that the New Deal has greatly reduced the cost of taxes and fees for buying second-hand houses, and the spring of the second-hand housing market will come.
With the introduction of the New Deal, many property buyers are eager to try. Is now the best time to buy and sell a house? Yin believes that since 20 12, Wuhan's land supply has been one of the best in the country, with both transaction volume and house price standing at the "top of the mountain". Without bargain hunting, house prices will remain stable in the future, and it is not recommended to act immediately.
According to Chutian Metropolis Daily:
The heavy "combination boxing" in the property market was intensively introduced: Yesterday afternoon, the central bank, the Ministry of Housing and Urban-Rural Development and the China Banking Regulatory Commission jointly issued the Notice on Issues Related to Personal Housing Loan Policy, which adjusted the minimum down payment ratio for second homes to not less than 40%, and the down payment ratio for provident fund loans was also lowered. At the same time, the Ministry of Finance and State Taxation Administration of The People's Republic of China jointly announced that the second-hand housing business tax exemption period will be changed from 5 years to 2 years.
Analysts believe that lowering the down payment for second homes or lowering the business tax threshold for second-hand houses is of positive significance for releasing the demand for improved home purchase, revitalizing the stock of idle housing in the real estate market, and thus promoting the stable and healthy development of the real estate market.
The down payment for purchasing the second suite shall not be less than 40%.
The new regulations make it clear that for families who own a set of housing and the corresponding housing loans are not settled, in order to improve their living conditions, they should apply for commercial personal housing loans again to buy ordinary self-occupied housing, and the minimum down payment ratio should be adjusted to not less than 40%.
Previously, the minimum down payment ratio for buying a second suite was 60%. Zhang Dawei, chief analyst of Zhongyuan Real Estate, believes that the adjustment range of the New Deal is far greater than the market expectation. Take a house with a market value of 1 10,000 yuan as an example. The original policy was to make a down payment of 600,000 yuan, but now it is only 400,000 yuan.
(The above answers were published on 20 15- 12-09. Please refer to the actual situation for the current purchase policy. )
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