Core reading
The new mortgage policy has enhanced market confidence.
Due to the low probability of supply and demand in the current market, "price for quantity" will still be the main choice for developers.
At present, the real estate market is in a state of overall supply, and the adjustment of the real estate market is still in the stage of "defoaming"
at present
The fourth week 10 in first-tier cities is the highest since 20 14.
Not long ago, the central bank and the China Banking Regulatory Commission announced that families who have settled the corresponding home loan can also enjoy the preferential policy of the first home loan. In addition, for families who own two or more houses and have settled the corresponding housing loans, their loans are no longer prohibited by administrative means, but the banking financial institutions carefully grasp and clarify the loan interest rate level.
Behind the new mortgage policy, the real estate market entered the first market this year, which led to the lack of quality of the traditional property market "Jin Jiu". On the one hand, the transaction volume of the property market hit a new low in recent years. According to the statistics of SouFun Data Monitoring Center, the number of new house transactions in 35 major cities nationwide decreased by 6. 14% in September. Take the first-tier city of Guangzhou as an example. In September, the online signing area of the ten districts under the jurisdiction of the city hit a new low of nearly 10 year, and the destocking cycle climbed to 17 months. On the other hand, the latest data of the property market price correction bureau shows that the price increase in 70 large and medium-sized cities nationwide stopped completely in September; There are 58 and 52 cities with new commodities respectively, and 39 and 20 cities with new commodities respectively.
"The adjustment scope and degree of the property market this year is unprecedented", Zhang Xu, the research department of Chain Home Real Estate Market, analyzed that in September this year, the price of a second-hand house dropped month-on-month. In 2002, the city was divided into 2,065,438+1,and the figures were only 48 and 54 respectively. "The spontaneous adjustment of this round of market has a greater and more lasting impact on the property market regulation policy."
In this context, the new mortgage policy has had an important impact on stabilizing market expectations. According to the data of 40 key cities monitored by Zhongyuan Real Estate, although the number of commodity transactions in the first seven days of this year was the lowest since the year of residence, with a decrease of 35% from the previous month, the transaction volume in the property market gradually picked up, and the weekly transaction volume continued to break through, especially in the fourth week 10, and the weekly transaction volume in first-tier cities exceeded 10000 sets, climbing to the highest point since 206544.
As the reporter visited several houses, the new policy of second-hand housing gave a shot in the arm to the market of 10. Zhang Xu said that an important symbol of warmth is also an important condition for the subsequent development of the market.
"Since the National Day, the volume of transactions in various places has increased significantly. Zhang Dawei, an analyst of the new mortgage policy and local loosening policies, believes that the new mortgage policy is more obvious, but the rebound in transaction volume still depends on the subsequent credit supply. " After the purchase restriction policy lasts for three years and the overdraft is just needed, the demand for good housing will become an important supporting force in the next stage of the market. "
The possibility of skyrocketing housing prices is very small.
In the Beijing market, house prices show signs of stabilization.
Improved demand is indeed entering the market. After seeing the news of the new mortgage policy, Mr. Xie from Beijing gave up his plan to go to Guangxi for a holiday with his family. "You have to hurry to see the house, both new and second-hand houses. It's now or never. "
It turned out that in 20 1 1 year, with the birth of his daughter and the move of his mother, Mr. Xie became cramped in one room and one living room on the South Third Ring Road in Beijing. The lack of private space constantly induces family conflicts, which makes Mr. Xie feel that he must change a big house. "The previous loan policy was unfair to people like me who changed their houses and lived in their own homes," Mr. Xie said. Although the loan for the first suite has been paid off, according to the previous policy, the house change still needs to be treated as the second suite, with a down payment of 70% and an interest rate of 1. 1 times the benchmark interest rate. Now that there is a new mortgage policy, Mr. Xie saw four new sites and more than 20 second-hand houses in one breath during the 1 1 day holiday and consulted several banks. "Now you can really enjoy the first home loan policy by changing houses. The down payment is only 30%. Even if the interest rate is not discounted, the pressure to buy a house is much smaller! "
Improved demand like Mr. Xie is indeed accelerating its entry into the market. According to the transaction data of second-hand houses in Beijing provided by Chain Real Estate, among the total price stalls of houses for sale in June -65438+ 10 this year, the proportion of low-priced houses below 2.5 million yuan dropped sharply in June -65438+ 10, while the proportion of houses for sale in stalls of 2.5 million yuan-4 million yuan increased sharply; 1October 27th 10, the single-day online signing transaction reached the highest level of 632 sets in the year. All these signs indicate that the number of customers with improved demand is gradually increasing.
The new mortgage policy has not only reduced the cost of purchasing houses with improved demand, but also caused many people's worries about the skyrocketing housing prices again. "After a long time, the policy was much stronger than expected." During the National Day, Miss Huo, a Beijing resident, received calls from four or five intermediaries every day, asking her if she wanted to buy a house at the bottom of the New Deal. The recommended real estate ranges from Beijing to Weihai and from Qingdao to Hangzhou. "I was expecting this property market adjustment, and house prices can drop even more. Now buying a house only recognizes the loan and does not recognize the house, and the house price does not soar! "
In fact, in the benchmark Beijing market, house prices do show signs of stability. According to the data of Chain Home Real Estate, during the National Day, the proportion of inventory houses in Beijing dropped from 87.4% in September to 75.2%, falling below 80% for the first time since March this year. 10 in the second week, the proportion of inventory houses with lowered quotation was lowered by 15 percentage points; Moreover, the bargaining range of the transaction houses has been further narrowed, and the listing price of new houses has increased by 1.3% compared with last week.
Second, how much is the down payment for Weihai loan to buy a house?
There are two kinds of loans, one is commercial loans, and the national policy is 20% down payment. Now it is adjusted to 30%, but the interest rate has been adjusted. The other is a provident fund loan with a down payment of 30%. See if you have a provident fund loan. If you have it, use it. The interest rate is relatively low.
III. Provisions of 202 1 Shandong Second Suite?
Shandong second suite policy
At present, the Guiding Opinions on Further Improving the Efficiency of Housing Provident Fund to Support the Housing Consumption of Employees has been deliberated and adopted at the meeting of the Leading Group for Deepening Reform of the Provincial Party Committee and will be issued and implemented in the near future. In terms of relaxing loan conditions, the following measures are mainly taken:
The continuous full deposit time of housing provident fund loans is adjusted from 12 months (inclusive) to more than 6 months (inclusive), and the minimum down payment ratio of the first suite and the second suite is lowered from 30% and 50% to 20% and 30% respectively, thus reducing the pressure on employees to purchase houses. At the same time, the loan period is extended to five years after the borrower's statutory retirement age, further lowering the loan threshold and allowing the provident fund loan policy to benefit more paid employees. Up to now, there are 17 cities in our province that have adjusted the time for continuous full deposit of loans and lowered the down payment ratio of housing provident fund loans for the first and second suites.
In terms of increasing the loan amount, the Guiding Opinions suggest that cities with low personal loan rates should increase the loan amount according to the local commodity housing prices and per capita living space, and increase support for paid employees. At present, Dongying, Yantai, Weifang, Jining, Tai 'an, Weihai, Rizhao, Laiwu, Linyi, Dezhou, Liaocheng, Binzhou, Heze and other cities in our province have adjusted the loan amount in time.
4. What is the down payment ratio of the first suite in Weihai? What are the preferential policies?
Because the first suite has preferential policies, many people want to know what the down payment ratio of the first suite loan is and what the preferential policies are, so I have learned the specific situation in this regard for you and compiled the following relevant information. Let's take a look at the first home loan policy.
Because the first suite has preferential policies, many people want to know what the down payment ratio of the first suite loan is and what the preferential policies are, so I have learned the specific situation in this regard for you and compiled the following relevant information. Let's take a look at the first home loan policy.
What is the down payment ratio of the first suite in Weihai?
1. Commercial loan for the first home: 70% of the appraised house price can be obtained for the first purchase. (The evaluation price is generally lower than the market price. For example, if the market price of a house is 2 million, and the appraised price is 1.8 million, you can get 70% of 1.8 million, that is, 1.26 million, and the rest of the houses can be obtained.
2. Provident fund loans can reach up to 80% of the appraised house price (within 90 square meters, 70% if it exceeds 90 square meters). According to the adjustment, the city is currently not limited to purchase, and the first time you buy a house, you can only borrow 75%. If the provident fund is not rated, it can only be loaned to 800,000, but it depends on the amount and proportion of the provident fund.
What are the preferential policies for Weihai's first home loan?
1. Individuals who purchase an ordinary house of less than 90 square meters for the first time can enjoy the benefits of reducing the deed tax rate to 1% and temporarily exempting stamp duty and land tax. The lower limit of housing loan interest rate can be extended to 0.7 times the benchmark loan interest rate, and the low down payment ratio can be adjusted to 20%.
2. The interest rate of individual housing provident fund loans was lowered by 0.27 percentage points. If the buyer sells the ordinary house that has been purchased for more than 2 years, the buyer does not have to bear the business tax. Exempt property buyers from the house registration fee for purchasing ordinary houses and the house transfer fee for buying and selling stock houses.
The above content is what the down payment ratio of the first suite in Weihai is, and what preferential policies are there for the first home loan in Weihai. The house has always been very important in every family, so when buying a house, you must pay attention to choosing a house and try to choose a house suitable for yourself and your family. After all, changing rooms is very important.