165438+1October 1 1 2 1 Century Business Herald The reporter learned from a number of banks in Hangzhou that the credit policy adjustment of the Hangzhou property market rumored by the market did happen. Policy adjustments include: the first suite can apply for a minimum mortgage interest rate of 4. 15% according to the customer's credit information, and the second suite loan interest rate is adjusted to a minimum of 4.9%; The down payment ratio of the second suite is 40%; As long as the customer has no room in Hangzhou or the mortgage is settled, then buy the first suite.
In addition, according to qianjiang evening news, a bank in Hangzhou issued the Emergency Notice on Adjusting the Personal Housing Mortgage Loan Policy in Hangzhou to all branches, sub-branch business departments and personal loan operation centers, adjusting the conditions for determining the first home loan in Hangzhou, the down payment ratio of the second home and the loan interest rates of the first and second homes.
Specifically, the credit policy adjustment of many banks in Hangzhou includes two aspects:
1. In terms of mortgage interest rate, the first set of interest rate is LPR minus 20bp, and the second set is 60bp. According to the latest LPR interest rate, the five-year interest rate applicable to the mortgage is 4.3%, that is, the first interest rate is 4. 1% and the second interest rate is 4.9%. At this point, the two sets of interest rates have been as low as the first set of benchmark interest rates before LPR started.
2. In terms of the loan restriction policy, Hangzhou began to recognize the house and refused to recognize the loan, that is, all the mortgages in the hands of the buyers were paid off, and the first suite was bought in Hangzhou; The down payment ratio of the second suite was adjusted from 60% to 40%. It has been more than five years since Hangzhou announced on March 29, 2007 that it would further adjust the differentiated housing credit policy in some areas, that is, "recognizing housing and recognizing loans".
Insiders pointed out that the adjustment of housing credit policy in Hangzhou means that the cost of buying houses will be greatly reduced, which supports the demand for just-needed and improved housing and helps stabilize the property market.
Recently, many places in the Yangtze River Delta have adjusted the property market policy to varying degrees, such as Suning, Ningbo, and college students' housing subsidies. Among the hot cities in the Yangtze River Delta, Hangzhou property market is relatively prosperous. At present, Hangzhou locals still implement the global purchase restriction policy, and foreigners limit the purchase of a house in the outer suburbs.
Hangzhou's adjustment of credit policy may be related to the pressure of the recent decline in second-hand housing traffic and falling house prices. As some newly delivered buildings in the core area of Hangzhou have successively issued real estate licenses, the phenomenon of centralized listing of second-hand houses has increased the bargaining space of customers; At the same time, the winning rate of Hangzhou Yishoufang Yaohao also has an upward trend. Buyers' expectations have also changed. According to an intermediary, there are more and more customers holding money on the market.
According to data from third-party organizations, compared with the peak of transactions in the first half of 2022, the second-hand housing market in Hangzhou entered a downward channel in the second half of the year, and the liquidity and flow rate of second-hand housing slowed down, and the price was also lowered. Since September 2022, the transaction volume of second-hand houses in Hangzhou has dropped significantly from the previous month, and the house prices in some communities have dropped significantly. In June 2022, 3,733 sets of second-hand houses were sold in Hangzhou, down 9.33% from September and down about 43.03% from the peak of 6,552 sets sold in June.
The above-mentioned insiders pointed out that Hangzhou's new credit policy will play a certain role in releasing the pressure of just-needed buyers to buy houses by making policy adjustments that are beneficial to customers and more humane.
The window period when Hangzhou just needs to buy a house is opening. However, it remains to be seen whether the property market will transform after consumers' expectations change.