China's first -tier cities fully implemented "do not recognize loans", and the real estate market that has been silent for a long time is lively.The Shanghai Real Estate Intermediaries worked overtime at the night of the New Deal.The analysis believes that the new policy will drive the short -term property market to rise, but it will have a significant effect on long -term sales and housing prices.
Shanghai and Beijing Friday (September 1) have announced the implementation of the "house recognition and not recognizing loan" policy, that is, no matter whether there have been housing loans or not, as long as there is no real estate in the local area, you can enjoy the credit of the first house to buy the credit of the first house.policy.Coupled with Guangzhou and Shenzhen, which were announced a day before, the four first -tier cities with the highest housing prices in China have all implemented "recognition of houses and not recognizing loans".
The real estate research institution in the middle finger research institute analyzed that after Beijing implemented the "house recognition and do not recognize loans", the down payment ratio of qualified buyers will be reduced from 60%to 80%to 35%to 40%.According to the total price of 4 million yuan (RMB, Same as the same, S $ 750,000), ordinary housing down payment will be reduced by 1 million yuan.The ratio of the down payment rate in Shanghai in accordance with the conditions of qualified home buyers decreased from 50%to 70%to 35%, and the mortgage interest rate decreased from 5.25%to 4.55%.
The report of the China Finger Research Institute predicts that the market activity of first -tier cities will increase in the short term. Among them, the past policies of Beijing and Shanghai are more stringent, with a higher total housing price, and the driving and sustainability of sales will be stronger than other cities.
A Shanghai Real Estate intermediary told Lianhe Morning Post that the news was released on the night of the market, and the intermediary also stayed up late to work.The first wave of buyers is mostly improved families with "selling old -fashioned new", and some customers who have been watching before. Because they are worried that the units they like to be sold out after the new policy will be sold out, they also decide to shoot as soon as possible.
A number of real estate companies in Beijing quickly updated the sales advertisement, shouting the slogan of "24 hours without snoring".The China Sea Jersey Park Real Estate, located in Fengtai, Beijing, announced that the price will be raised by 1 % in full.The Goldenland Beijing One District Project in Tongzhou, Beijing, will be recovered from all special housing and discounts on Monday (September 4). China City reports that the project sales statement says that the price increase will be 50,000 to 100,000 yuan.
Driven by first -tier cities, Suzhou, Nanning and Anhui Province have also announced the implementation of "non -recognition loans".At this point, at least 18 provincial and cities have announced this new policy.However, the response of other areas is generally not as strong as Beijing and Shanghai.
Huang Tao, general manager of Guangzhou Central Plains Real Estate Project, disclosed in an interview that after the landscape of the Guangshen two places "do not recognize the house", the customers who consulted and visited increased, but the transaction volume did not fluctuate greatly.Enterprises and intermediaries have not increased the price overnight or started overnight."We call on developers not to mistakenly think that the property market reverses and does not wisked the price increase. The priority is to clear the inventory of the clear."
Huang Tao believes that "do not recognize the house" during the peak season of "Golden Nine Silver Ten", which helps drive the volume to rise.However, today the public's expected economic prospects, income, and house prices have changed fundamentally. Such policies can only promote buyers who originally have the willingness to buy a house to enter the market, and it is difficult to create a new demand for buying a house."The digestive stock will be digested in the past two months, and house prices will not change much."
Yao Yang, the dean of the National Development Research Institute of Peking University, also believes that, including "recognition of houses and not recognizing loans", the current policies have been "small hits and small troubles". The key is to depend on whether the government can cancel restricted housingThe "three red lines" of corporate borrowing.
Financial short video shows have a wave of interview with Yao Yang on Friday.Yao Yang pointed out that the government's first priority is to open up loan restrictions on real estate companies. The second is to allow housing companies to reduce their prices and save themselves. "Let the pressure be released first and release to a certain degree."" ".
On the other hand, China ’s head -of -housing company Country Garden was approved by creditors on Friday that a private equity bonds that had a balance of 3.9 billion yuan and the original expiration of the original Saturday were temporarily avoided the crisis of debt defaults.However, Country Garden also has two 22.5 million US $ 22.5 million (S $ 30.44 million) bond interest, which must be paid before the end of the week's width limit.
