Today, 90% of more than 40 cities in China have cancelled or loosened the purchase restriction, and only five cities, namely Beijing, Shanghai, Guangzhou, Shenzhen and Sanya, are still insisting.
In the face of the new down payment policy, Nanjing and Suzhou in the Yangtze River Delta are exceptions: Nanjing will not implement it temporarily, Suzhou will be "discounted", and other cities in Jiangsu 1 1 meet the national standards. Most banks in Hangzhou, Zhejiang Province are on hold and have not yet released news. Some banks in Wenzhou are racing against time to implement the New Deal.
Why is the house in Suzhou, Nanjing not implemented or discounted? One of the reasons is that the houses in these two regions are not worried about selling, and the increase in house prices and transaction volume ranks among the top in the country. The property market in these two regions is relatively hot, and the down payment is relatively tight, which reflects the idea of local classification and regulation, and there are differences within the city.
According to industry insiders, Nanjing has no pressure to go to stock, and even shows an overheating trend. To some extent, maintaining the down payment standard is a well-thought-out way to reduce the systemic risks of land departments, developers and financial institutions. It is this policy signal that strengthens people's short-term bullish expectations for housing prices in some hot cities.
20 15 Nanjing property market can be said to be "the best year in history", and the inventory of the property market has been continuously reduced from more than 50,000 sets last year to the current 45,000 sets; For the first time in recent years, the saleable houses in Suzhou are less than 30,000 sets; Last year, Hangzhou set a record of 1.26 million sets, and the market remained hot in the New Year. Some regions and sectors, such as Zhenjiang, Suqian, Yancheng, Gaochun and Lishui in Nanjing, are still under great destocking pressure.
20 15 after several big interest rate cuts, how much can Nanjing save by buying a house with a loan?
The loan was 6,543,800 yuan, 592 yuan less than the monthly payment at the beginning of the year.
After the fourth interest rate cut last year, the benchmark interest rate for mortgages with a term of more than five years has dropped to 5. 15%. At present, all major banks in Nanjing offer preferential mortgage interest rates. Many banks, including Bank of China, Industrial and Commercial Bank of China, China Construction Bank and Agricultural Bank, give priority to the first home loan with a preferential interest rate of 15%, and some banks may also apply for the lowest preferential interest rate of 10% for their customers. After four consecutive interest rate cuts, the monthly mortgage cost is also less than before, and the pressure on the public is also reduced a lot.
For example, the loan is 654.38+0 million with a term of 30 years. Before the interest rate cut at the beginning of last year, the benchmark mortgage interest rate was 6. 15%. After 15% discount, the monthly payment is 5889 yuan. However, according to the current mortgage benchmark interest rate of 5. 15%, after 15% discount, the monthly payment is 5297 yuan, a difference of 592 yuan.
(The above answers were published on 20 16-02- 15. Please refer to the actual situation for the current purchase policy. )
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