On August 3 1 day, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and China adjusted the down payment ratio of individual housing loans for housing provident fund. For those who own 1 house and have settled the housing loan, the down payment ratio for purchasing the second house will be reduced to 20%, which is new.
The new deal did not mention whether the interest rate of the second suite changed.
On March 30 this year, the central bank, the Ministry of Housing and Urban-Rural Development and the China Banking Regulatory Commission jointly issued the "Individual Housing Loan Policy", which stipulated that housing should be loaned by provident fund. For housing loans with a down payment ratio of 20, the proportion of re-applying for provident fund is 30%.
In the notice issued on August 3 1, the down payment ratio of the second suite of provident fund was further lowered. For households with 1 apartment that have settled the corresponding housing loan, if they apply for housing provident fund loans again to improve their living conditions, the down payment ratio will be 30%.
This means that if the loan has been paid off, the down payment for the second-home provident fund loan is only 20%.
In this notice, there is no mention of whether the interest rate of the second-home provident fund loan has changed. At present, the interest rate of the second home loan of Beijing Provident Fund is 1. 1 times the interest rate of the first home loan in the same period.
Beijing will study how to implement it concretely.
However, for Beijing, Shanghai and Guangzhou, they can apply for housing provident fund loans to buy a second apartment on the basis of national unified policies and according to local conditions.
The reporter learned from the Beijing Housing Provident Fund Management Center yesterday that Beijing will study and determine how to implement it according to the notification requirements of the three ministries and commissions and the actual situation in Beijing.
analyse
Beijing's housing prices are too high to enjoy a 20% down payment.
From June this year 1, Beijing relaxed the provident fund loan policy. For the loan applicants who have 1 housing and have settled the corresponding second set of ordinary self-occupied housing, the second set of housing loan policy will be implemented, with a down payment ratio of 30% and a loan amount of 800,000 yuan.
The reporter compared Beijing's current policy with the New Deal issued by the three ministries yesterday. If Beijing implements the New Deal, there are several key issues that need to be clarified. First, in the New Deal released yesterday, the recognition standard is to settle the "corresponding loan", while Beijing implements the policy that only two houses can be considered as "ordinary self-occupied housing". However, in the New Deal of the three ministries, the decline in second-tier cities that only buy "re-houses" is also narrowing. The third-and fourth-tier cities lack the motivation to support real estate, and the situation is worrying.
Therefore, for the four first-tier cities with good property market conditions, there is room for them to decide whether to relax the mortgage policy.
Focus 3
What's the next step for the property market?
Following the relaxation of foreign orders last week, the down payment for housing provident fund loans was lowered again on Tuesday, and the policy was relaxed frequently. What is the impact on the next property market?
In this regard, Chen Zhi believes that the down payment of loans means a lower threshold for buying houses. However, at present, the main factor that determines the property market is the relationship between supply and demand. The lowering of the threshold of 10% will not obviously change the demand, and the effect will not be too great.
It is expected that more property market policies will continue to be introduced in the later period. However, due to the different inventory pressures in different markets, from the perspective of population inflow, policies have a relatively great impact on first-and second-tier cities, while the overall cooling trend in third-and fourth-tier cities is still difficult to change.
Don't underestimate the strength of the policy. The worse the market is, the more frequent it is. As an economic engine, real estate is playing an increasingly important role.
(The above answers were published on 20 15-09-30. Please refer to the actual situation for the current purchase policy. )
When buying a new house, go to Sohu Focus.
2. I am an outsider. In mortgage to buy a house, Zhenjiang, my children need to settle down for school. Can I get the real estate license after paying the down payment?
Now it is compulsory for children to go to primary school and junior high school. As long as there is a purchase contract, it is a local account. If the mortgaged house is a second-hand loan, you can get the real estate license immediately. If it is a new house, it will take 2 years at the earliest. The real estate license and the school contract have the same effect.
3. Has the down payment ratio of the first suite in Suzhou dropped to 20%?
The Central Bank of China issued a document on February 2, 2006, 2065438, saying that the minimum down payment ratio of commercial personal housing loans for ordinary housing in cities that do not implement the "purchase restriction" measures is 25% in principle, which can be lowered by 5 percentage points in various places.
First, in cities that do not implement the "purchase restriction" measures, households purchase commercial personal housing loans for ordinary housing for the first time. In principle, the minimum down payment ratio is 25%, which can be lowered by 5 percentage points in various places; For households that own 1 apartment and the corresponding housing loans are not settled, in order to improve their living conditions, they should apply for commercial personal housing loans to buy ordinary housing again, and the minimum down payment ratio should be adjusted to not less than 30%.
For cities that implement the "purchase restriction" measures, the individual housing loan policy is still implemented according to the original regulations.
Second, on this basis, the agencies 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 respective jurisdictions in light of the actual conditions of various cities.
Third, banking financial institutions should reasonably determine the specific down payment ratio and interest rate level according to the borrower's credit status and repayment ability, in combination with the minimum down payment ratio requirements determined by the provincial market interest rate pricing self-discipline mechanism, the institution's commercial personal housing loan placement policy, risk prevention and control and other factors.
Fourth, the minimum down payment for an individual first suite can be 20%; The minimum down payment for the second suite is 40%, and the floating range of the loan interest rate is adjusted according to the personal credit information of the buyers and the bank's own policies.
4. Zhenjiang, Jiangsu Province: The minimum down payment ratio for the first purchase of ordinary residential commercial loans is reduced to 20%.
Viewpoint Network News: On May 24th, the Housing and Urban-Rural Development Bureau of Zhenjiang City, Jiangsu Province informed that Zhenjiang City set the minimum down payment ratio of commercial personal housing loans to 20% for the purchase of ordinary housing for the first time.
The new media learned that for families who own a set of housing and have settled the corresponding housing loans, if they apply for loans to buy ordinary commercial housing again to improve their living conditions, banking financial institutions will implement the first home loan policy. The minimum down payment ratio of the first home loan in Zhenjiang is determined to be 30%.
It is also known that as early as February 2022, Zhenjiang introduced a house purchase policy: unlimited purchase. 30% down payment for the first home loan (20% for some banks), 30% down payment for the second home loan (40% for some banks), and suspension of loans for three or more sets; Deed tax: family only housing ≤90_ tax rate 1%, family only housing >; 90_ tax rate 1.5%, second suite ≤90_ tax rate 1%, second suite >; 90_ The tax rate is 2%; The tax rate for three suites or non-residential houses is 3%.