As the real estate market continues to be sluggish, Guangzhou and Shenzhen have announced that they have successively promoted the purchase of the first home loan "house recognition and not recognizing loan" policy.This is the policy with the most relaxing regulation and relaxation of property markets in China's first -tier cities since 2017. Industry insiders predict that this will boost the promotion of the short -term property market transaction.
According to the Guangzhou Municipal Government website on Wednesday (August 30), the General Office of the Guangzhou Municipal Government Office issued a notice to optimize the number of housing sets in Guangzhou's personal housing loans on Tuesday (August 29).
It is mentioned 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. Whether they have used loans to buy housing, banking financeThe institutions all implement the housing credit policy according to the first house.
The website of the Shenzhen Housing and Construction Bureau also issued a notice on Wednesday evening, and has implemented the "house recognition and not recognizing loan" policy since Thursday (August 31).
The three departments of the Ministry of Housing and Urban -Rural Development, the Central Bank of China, and the General Administration of Finance Supervision issued a joint notice on Friday (August 25) to promote the implementation of the policy measures for the purchase of the first home loan to "recognize the house without recognition of loans" and use it as a policy tool, Includes the "One City, One Strategy" toolbox for the city's self -selection.At present, two of the four first -tier cities in China have announced this policy.
"Certification of Houses" and "Understanding Loan" is an important policy tool for regulation in the Chinese property market. When a bank issued a mortgage loan in the bank, as the standard for judging the first house and two suits, it has repeatedly achieved the rapid cooling of the overheated property market.effect.
In the past two years, the property market has been optimized and controlled in the past two years, but first -tier cities and a few strong second -tier cities are still implementing strict "housing and loan" measures. Under this policy, as long as there is a record of housing loan, even if the first first, even the firstThe loan of the house has been paid off, and when the house purchase is replaced, it will still be identified as the second house, and then perform a higher proportion of down payment and mortgage interest rate.
After the implementation of "recognition of houses and not recognizing loans", the first house down payment ratio and loan interest rate can be reduced. It will significantly reduce the pressure on the purchase of house purchases in the improvement type and promote the property market.
China News Weekly quoted the data of the E -House Research Institute pointed out that in the four first -tier cities of Beijing, Shanghai, Guangzhou, and Shenzhen, the current down payment ratios of two ordinary residential houses are 80%, 70%, 70%, and 70%, respectively, which are the first to startThe set paid is 40 to 45 percentage points, and the mortgage interest rate difference is up to 70 basis points.If these four cities have implemented "recognition of houses and do not recognize loans", the average down payment ratio of the two -suite can be reduced from 73%to 33%.
Huang Tao, general manager of Guangzhou Zhongyuan Real Estate Project, said in an interview with Lianhe Morning Post that the market has long been looking forward to this policy.Home is waiting for the introduction of the policy of "recognizing the house and not recognizing loans".
Huang Tao believes that after the "recognition of houses and not recognizing a loan" in first -tier cities will have an immediate effect in the short term.%above.
At present, more than ten cities in China are still implementing the policy of "recognition of houses and acquisitions". After this policy draw on Guangzhou and Shenzhen, the industry is expected that other first -tier cities and strong second -tier cities will probably follow up and adjust adjustments., To promote the recovery of the property market transaction.
But in the long run, the stimulus effect and sustainability of the policy on the property market remains to be observed.Huang Tao pointed out that "do not recognize the house" can help meet rigid and improved housing needs.It is not fundamentally reversed after the introduction of one or two loosening policies.
