The down payment of multi-site mortgages was "loosened", and Chongqing and Jiangxi Ganzhou joined.
On February 18, according to shanghai securities news, the reporter learned from chain real estate agencies in Chongqing and Ganzhou, Jiangxi, that before and after the Spring Festival, many banks in Chongqing and Ganzhou, Jiangxi had reduced the down payment ratio of the first home loan to 20%. According to the industry, the cities adjusted in this round are all non-"restricted" cities, and the local housing and financial departments will make adjustments according to the principle of * * * *.
Mr. Li, a chain real estate agent in Ganzhou, Jiangxi, told the Shanghai Securities Journal that the down payment ratio of the first home loan in Ganzhou has dropped to 20%. At present, state-owned banks, China CITIC Bank, China Guangfa Bank and China Merchants Bank all implement this mortgage policy. He said that if the second suite is in the non-restricted area, the down payment will be 30%, and in the restricted area, the down payment will be 50%.
The credit manager of the local Agricultural Bank told the reporter that although the minimum down payment loan in Ganzhou can be reduced to 20%, it still varies from house to house. Whether you can get the minimum down payment depends on the specific developer's situation.
Recently, it has been reported in the market that the down payment ratio of ICBC, CCB and ABC in Heze City, Shandong Province has decreased by 10 percentage point compared with the previous ones.
On February 17, according to Zhongxin Jingwei, the reporter learned from the relevant business outlets of China Bank, Agricultural Bank, Industrial and Commercial Bank of China and China Construction Bank in Heze City, Shandong Province that the four major banks lowered the down payment ratio of individual housing loans in this city, and the down payment ratio of "no house, no loan" buyers dropped from the previous minimum of 30% to the minimum of 20%.
Image source: National Business Daily data map
For the down payment ratio of individual housing loans, the staff of China Bank, Agricultural Bank and Industrial and Commercial Bank of Heze confirmed that "Heze implements this policy".
According to china securities journal, the account manager of the loan department of a business outlet of China Bank Heze said: "However, it depends on whether the lender has a house and a loan, as well as the specific real estate. If the cooperative bank's declaration attribute is set to 20%, it can be operated, but not to 30%. However, most properties in Heze should be operated at 20%. "
As early as 20 16, the People's Bank of China and the China Banking Regulatory Commission issued a notice saying that the minimum down payment ratio of first-home mortgage for urban residents without purchase restriction is 25%, but it can be lowered by 5 percentage points in various places, which means that the minimum down payment ratio of cities without purchase restriction can be reduced to 20%.
In addition to the real mortgage policy loosening, there are also local governments that have effectively introduced policies to promote the just-needed purchase of houses. For example, Yanji, Jilin recently issued the "Implementation Plan for Encouraging Farmers to Purchase Houses in Cities", which fully subsidizes deed tax for farmers to purchase houses in cities, and also issues consumer vouchers for home appliances and decoration. Among them, the maximum denomination of home appliance vouchers can reach 1500 yuan (you can use it if you spend 15000 yuan).
Policy orientation: to ensure the reasonable housing demand of people just in need.
Will more small and medium-sized cities join the army of "loosening" mortgages?
In the industry's view, this answer is yes.
The Central Economic Work Conference set the tone for the development of the real estate market this year-"supporting the commercial housing market to better meet the reasonable housing needs of buyers, and promoting the virtuous circle and healthy development of the real estate industry due to the city's policy." In this year's local government work report, Heilongjiang, Jiangsu, Zhejiang, Guangdong and other places clearly put forward to better meet the reasonable housing needs of buyers.
The relevant person in charge of the central bank said earlier that one of the core characteristics of real estate is regionality. Under the framework of long-term mechanism management of real estate, it is more important to implement the responsibility of urban territoriality, and implement real estate regulation according to the local market situation.
China's monetary policy implementation report for the fourth quarter of 2002/KLOC-0 just released by the central bank also pointed out that maintaining the stability of land price, house price and expectations, implementing the prudent management system of real estate finance, safeguarding the legitimate rights and interests of housing consumers, and better meeting the reasonable housing needs of buyers.
All kinds of signals show that policy orientation guarantees the reasonable housing demand of the people who just need it.
Positive signals continued to be released, and the real estate sector rose.
Real estate plate intraday force 18. By the close of 18, Taihe Group, Black Peony, Xinhualian and Yufa had daily limit, Binjiang Group and China Communications Real Estate rose more than 8%, and China Merchants Shekou, Jindi, Jinke, Rongan Real Estate and Xincheng Holdings all strengthened.
In addition, leading enterprises in the real estate industry also made some gains today (18). Among them, Vanke A rose 3.43% to 20.48 yuan/share, compared with today's opening, with a total market value of 9.07 billion yuan; Poly Development rose by 5.42% to 16.33 yuan/share; Greenland Holdings rose 2.72% to 4.53 yuan/share. Compared with today's opening, the total market value increased by 9.935 billion yuan.