Source: Surging News
"Folding and recovering, all price adjustment sales!" On the evening of September 1, Beijing official announced that after the purchase of the first home loan "recognized the house and not recognizing the loan", many developers' sales style changedThe price recovery, the circle of friends was also brushed by various announcements and posters.
On the evening of September 1, Yuexiu · Tianzhang released news, "immediately recover discounts."The reporter confirmed the news from a project party.
Zhonghai Jersey Park, a real estate developed in Fangshan District, Beijing, also posted that the price of the project was raised by 1%.There are also projects that all sell control, and the price is raised by 5%.
A tense atmosphere.
The movement of the recovery of the developer's discount was related to the joint printing of the three departments of Beijing that night to announce that the policy and measures of the purchase of the first home loan "recognize the house without recognition of the loan" were announced.
According to the notice, when the residents' families (including borrowers, spouses, and minors) apply for loans to purchase commercial housing, family members have no complete sets of housing under Beijing names. Whether they have used loans to buy housing, banking financeThe institutions all implement the housing credit policy according to the first house.The notice will be implemented from September 1.
This regulation policy far exceeds market expectations. It is expected that the Beijing real estate market is activity in the short term, which will greatly repair market emotions and expectations.
Earlier, as Guangzhou, Shenzhen and other places implemented the first house "do not recognize the loan", many market participants believed that it was possible that Beijing would follow up with "not recognizing a house", but the possibility of comprehensive execution is still relatively comparedSmall, it may be promoted by one policy or one policy or for specific people such as many children and elderly families.
"Shanghai and Beijing have also followed up one after another, and the policy expression is consistent with Guangshen, which means that the adjustment of the real estate policy should be from top to bottom, which has little to do with its own commercial housing operation." GuangdongLi Yujia, chief researcher at the Housing Policy Research Center of the Provincial Urban and Rural Planning Institute, said that in addition, in essence, excessive rigorous policies during the overheated period need to withdraw, which is normal for policy correction and return.
House -free households with no loan records are the main beneficiaries of this policy.Chen Wenjing, director of market research director of the middle finger research institute, said that from the perspective of policy effects, the down payment ratio of such house buying families will be reduced from 60%to 80%to 35%~ 40%, and the total price is 4 million yuan (RMSingapore) Calculate that ordinary housing down payment will reduce 1 million yuan, and non -ordinary residential down payment will reduce 1.6 million yuan.The mortgage interest rate will be reduced from 5.25%to 4.75%, and the 50 basis points will be reduced. Taking a 3 million yuan loan as an example, the interest will be reduced by 262,100 yuan based on the principal and interest of 25 years.
"The threshold for buying a house and the cost of buying a house has declined significantly, or it has significantly promoted the record of loans without housing and the demand for buying one house." Chen Wenjing said.
Wang Xiaoyu, chief analyst of Zhuge Data Research Center, believes that with rich industrial facilities in first -tier cities in China, the demand for house purchase is relatively strong, but due to the high threshold for buying a house, it is difficult to release the demand.The customer group with a loan record in the house can be purchased according to the qualifications of the first house to reduce the cost of buying the house, which is conducive to the active release of the needs of these customer bases. The short -term has a significant promotion of the transaction volume.It also plays a role in stabilizing.
Chen Wenjing believes that the policy is hot and winding frequently, and the real estate market in the core city will usher in a wave of upward market. The "Golden Nine Silver Ten" market is expected. The core city real estate market is expected to gradually stabilize, thereby driving the national real estate market to gradually repair.
Guo Yi, chief analyst of He Shuo Agency, said that from the perspective of the Beijing market, although the "Funding House and Not Credit" New Political Council brought the rise in the transaction volume of new Beijing and second -hand housing, the policy was mainly to release the preliminary expectations of policy issuance.The needs of the demand for delaying households, after the release of this part, the market may return to a stable and downlink state.
