The three departments of the Ministry of Housing and Urban -Rural Development, the People's Bank of China, and the General Administration of Finance Supervision issued a document to promote the implementation of the policy measures for the purchase of the first home loan "recognition of houses without recognition of loans".
According to Xinhua News Agency on Friday (August 25), the Ministry of Housing and Urban -Rural Development, the People's Bank of China, and the General Administration of Finance Supervision jointly issued a notice on optimizing the number of housing sets in personal housing loans to promote the implementation of the purchase of the first houseThe policy measures of loans "do not need to recognize loans".
The notification is clear that when the residents' families (including borrowers, spouses and minors) apply for loans to purchase commercial housing, family members have no complete sets of houses under the local name.All housing credit policies are implemented according to the first set of housing.As a policy tool, this policy is included in the "one city and one policy" toolbox for independent use of the city.
According to the relevant person in charge of the Ministry of Housing and Urban -Rural Development, this policy will enable more buyers to enjoy the down payment ratio and interest rate discount of the first home loan, which will help reduce the cost of house purchases, better satisfy rigid and improved housingneed.
Earlier, in most first -tier cities, if there is a loan when buying the first house and buying a new house after selling the first house, it will determine that this is the second house according to the loan record.60%to 80%of the down payment limits the purchase group that needs to be improved.
According to the Beijing News, the China Finger Research Institute pointed out that optimizing the recognition of housing and recognition of loan can activate core cities to replace chains and active market transactions.
Taking Beijing as an example, in accordance with the current recognition of house recognition and loan policy. In the process of improving the housing exchange process, many home buyers have a down payment ratio of up to 80%and a mortgage rate of 5.25%.However, if this policy is optimized, the lowest down payment ratio of the two -suite is reduced to 35%, and the mortgage interest rate can be reduced to 4.75%.
According to surging news, the capital market responded immediately.The A -share real estate index rose 2.48%, and 92 of the 110 ingredients were popular.
The real estate construction index of Hong Kong stocks Hang Seng Comprehensive Industry has risen simultaneously, and more than 50 stocks of 76 ingredients have recorded rising.Country Garden and R & F Real Estate rose more than 5%. Country Garden services, elegant life services, Poly Property, Longguang Group rose more than 4%, Longhu Group, Zhongliang Holdings, and Green View China increased by more than 3%.
