The reason why buyers are confused is because the trend of the property market is unclear and house prices are falling. They want to buy a house, but they are afraid that the house price will fall after buying it. They don't buy it, and they are worried that house prices will turn around and rise, and they are in a dilemma.
So "what is the trend of the 20 19 property market?" It has become the answer that everyone wants to know!
Obviously, the real estate manager can't answer this question, but perhaps we can find clues from the three signals released by the property market today.
0 1
The longest housing loan of Hangzhou Bank can reach 80 years.
According to Zhejiang Online, a bank in Hangzhou recently quietly adjusted its mortgage policy, stipulating that the longest mortgage can reach 80 years old, breaking the record of the oldest lender.
However, according to the staff of the bank, this is a "relay loan" product. As the name implies, parents and children relay repayment together.
The bank staff also explained, "We will strictly examine the qualifications of loan applicants, and at the same time, we also require their children to be designated as * * * co-borrower, and both the lender and * * * co-borrower must have repayment ability. Once the lender loses the repayment ability, his daughter will bear the corresponding repayment obligations. Generally speaking, very high-quality customers can be approved. "
It is reported that the longest loan term of this "relay loan" is 30 years, which means that a 50-year-old property buyer may also apply for a 30-year loan.
As we all know, the biggest pain point of buying a house in the name of parents is "short loan period". The emergence of the 80-year loan ceiling has solved this pain point well, and it can also broaden the preferential treatment of "buying a house and adding leverage".
I have to say that this is a big plus for property buyers.
02
The central bank once again "reduced RRR" and released 700 billion yuan.
At 20: 58 last night, the official website of the central bank released the notice of "RRR cut" again! The original text of the announcement is as follows:
▲ Click on the picture to see a bigger picture.
According to Xiaobo Liu's interpretation of the official account of Caijing WeChat, according to Li Qilin, managing director and chief macro researcher of Lianxun Securities, the micro-caliber is adjusted to "credit 10 billion yuan", which is equivalent to a release of 770 billion yuan by "targeted cuts to required reserve ratios" (see the figure below):
This is the same as the targeted reduction of the deposit reserve ratio in previous central bank meetings this year. Although it is only a "disguised RRR cut", in terms of the amount of funds released, it is equivalent to a comprehensive RRR cut of 0.5 percentage points.
▲ 65438+February 19 The central bank directionally lowered the deposit reserve ratio.
Careful people can easily find that this directional reduction of the deposit reserve ratio is actually less than one month from the last directional reduction of the deposit reserve ratio (65438+February 19).
Many people in the industry believe that this may be a signal that the mortgage policy is loose.
03
Qingdao buys a house and suspends the lottery to sell the house.
On October 3rd, 2065438+ 19/kloc-0, Guan Wei, a notary office in Chengyang, Qingdao, announced that he was "notified by the High-tech Zone Branch of Qingdao Municipal Bureau of Land Resources and Housing Management to suspend the implementation of the Rules for Notarization of Commercial Housing in Qingdao High-tech Zone".
This also makes Qingdao Gaoxin the first place in China to suspend the lottery sales (information source Cailian).
It can be seen that six cities or regions across the country have relaxed after Heze, Shandong Province, canceled the restrictions on sales and started the first shot of optimizing the property market policy.
Is this a signal to optimize the regulation of the property market? Let's talk about our views together!