On the eve of the Spring Festival, the central bank once again adjusted its personal housing policy. In cities that do not implement “purchase restriction” measures, households For a commercial personal housing loan to purchase an ordinary house for the first time, in principle, the minimum down payment ratio is 25%, and it can be adjusted downward by 5 percentage points in various locations. This also means that in cities without purchase restrictions, the minimum down payment for personal housing loans will be reduced to 20%. In cities such as Beijing, Shanghai, Guangzhou, Shenzhen and Sanya that still implement “purchase restriction” measures, personal housing loan policies will be implemented in accordance with the original regulations. 【600D Oxford cloth】
Three times a year, central bank Continue to relax mortgage policies
Yesterday, the central bank and the China Banking Regulatory Commission jointly issued the “About Adjusting Personal Housing Regulations” Notice on Issues Related to Loan Policies” (hereinafter referred to as the “Notice”). This is the third time in the past year that the central bank has relaxed its housing loan policy, following March 30 and September 30, 2015. The industry refers to the previous two adjustments as the “330 New Deal” and the “New 930 New Deal” respectively.
Among them, the “330 New Deal” mainly reduces the down payment ratio for second homes to 40% (non-purchase restriction cities) Implementation), and at the same time, the down payment ratio for first-time housing provident fund loans is reduced to 20%. The “New 930 New Deal” clarifies that in cities that do not implement “purchase restriction” measures, for commercial personal housing loans for households purchasing ordinary houses for the first time, the minimum down payment ratio will be adjusted to no less than 25%.
This “Notice” further lowers the minimum down payment standard in cities without purchase restrictions. At the same time, the “Notice” also clarifies that for households that own a house and the corresponding house purchase loan has not been paid off, if they apply for a commercial personal housing loan again to purchase an ordinary house in order to improve their living conditions, the minimum down payment ratio will be adjusted to no less than 30%. Previously, in cities without purchase restrictions, this proportion was 40%. 【600DOxford cloth wholesale】
Why within a year, the central bank Are mortgage policies frequently relaxed? Industry insiders said that the main purpose of the central bank’s move is to cooperate with the central government’s series of favorable measures to speed up the pace of destocking the property market.
Guangzhou still has purchase restrictions, and the down payment for the first home remains at 30%
It is worth noting that this “Notice” also clearly stated that for those who implement “purchase restriction” measures, In cities, individual housing loan policies will be implemented in accordance with the original regulations.
A bank official in Guangzhou confirmed to a reporter from the Yangcheng Evening News that Guangzhou still follows the original housing policy According to the implementation, the minimum down payment for the first home is 30%, while the down payment ratio for the second home with unpaid loans is still 70%, and the interest rate is 1.1 times higher than the benchmark interest rate. In comparison, home buyers in Dongguan, Zhongshan, Foshan and other places around Guangzhou will get more benefits through this adjustment. 【600D Oxford cloth manufacturer】
For those who just need a house without a house. For example, if you buy a commercial house worth 1 million yuan in Foshan for the first time, the down payment previously required a minimum of 250,000 yuan, but now you can save 50,000 yuan. At the same time, after experiencing the central bank’s recentAfter nearly six interest rate cuts in the past year, mortgage interest rates are also at a relatively low level. “In the low-interest rate channel, even if the loan amount increases, the mortgage interest will not increase significantly.” Hao Juncheng said that the new housing policy will help reduce the economic pressure on people who just need it.
However, Hao Juncheng also reminded that on the eve of the Lunar New Year, the mortgage policies of major banks have tightened trend, it remains to be seen whether the introduction of this policy at this time will have an immediate effect on boosting the property market. “However, it is expected that the property market in 2016 will be warm after the Spring Festival.”
Oxford cloth manufacturer: www.wcxfz.com
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