As China's real estate industry declines, Guangzhou, South China, has implemented the policy measures for purchasing the first home loan "recognition of houses and not recognizing loans".Some analysts believe that this will bring more benefits to buyers.
According to the Guangzhou Municipal Government website on Wednesday (August 30), the Guangzhou Municipal Government issued a notice that residents include borrowers, spouses, and minor children.There are no sets of housing in Guangzhou in Guangzhou. Regardless of whether they have used loans to buy housing, banking financial institutions have implemented housing credit policies according to their first homes.
Earlier, the Ministry of Housing and Urban -Rural Development of Housing, the People's Bank of China, and the General Administration of Financial Supervision jointly issued a notice on optimizing the number of housing sets in personal housing loans.The person in charge said that 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 purchase costs and better meet rigid and improved housing needs.
Lu Huaxiang, director of the Housing and Housing District Research Institute of China Urban Planning and Design Institute, analyzed that in cities with a large gap between the first set of down payment ratios and the two suits, if it is followed up and implementedThe policy of loan will bring more benefits to buyers.
For new citizens who have purchased housing in a loan in foreign countries, due to the relocation of work and other reasons, "do not recognize loans" in local houses can help them reduce the threshold for house purchase.
Xinhua News Agency quoted Mr. Hao, the citizen of the "post -90s" citizen who settled in Guangzhou, said that his family of three had a house in Nanjing and had paid off the mortgage last year."But according to the situation of" recognition of house recognition ", we bought a house for the first time in Guangzhou. Even if we sold the house in Nanjing, 70 % of the down payment for buying a house.Enjoy the first 30 % down payment qualification, the interest rate may also be performed according to the first set. "
" recognize the house and recognize loans "has played many times in the history of China's real estate regulation as the role of large cooling in the property market.According to the 21st Century Business Herald, the data of Zhuge Data Research Center is quoted, and current cities such as Beijing, Shanghai, Shenzhen, Xi'an, Xiamen, Chengdu and other cities still implement "recognition and loan".
