According to media reports, some banks in Heze City, Shandong Province, according to their own funds and mortgage demand, combined with the borrower's credit and repayment ability, made differential adjustments and lowered the down payment ratio of the first suite from the minimum 30% to 20%. This is the operation of the bank, and the housing and construction department of Heze City has not uniformly lowered the down payment ratio. Previously, some banks in Chongqing, Ganzhou, Jiangxi and other cities have reduced the minimum down payment ratio of the first home loan to 20%.
On February 18, the reporter of Time Weekly called Heze Banking Bureau, but the phone was not connected. The staff of a personal loan center of a commercial bank branch in Heze told Times Weekly that the down payment ratio of personal mortgage of the bank has indeed been lowered, but it has not been actually operated at present.
While some banks in many places reduce the down payment ratio, some cities promote the healthy development of the real estate market by granting housing subsidies.
On February 17, Yanji, Jilin released the Implementation Plan for Encouraging Farmers to Purchase Houses in Cities (hereinafter referred to as the Plan), which encouraged farmers to purchase houses in cities by means of full subsidy of deed tax, 1-2% discount, issuing vouchers for household appliances, and issuing vouchers for decoration materials.
Urban policy
Times Weekly reporter learned from the personal loan center of a branch of a commercial bank in Heze City that the down payment ratio of the bank to residents without housing and loans has dropped from 30% to 20%. The down payment ratio is 25% for households with no housing and individual housing loan records, or those who actually own/kloc-0 housing but have no loan records; If there is a suite and a loan record, the down payment ratio is 30%; If you own more than two houses and have no loan record, the down payment ratio is 40%.
In addition, a personal loan manager of a large state-owned bank told Time Weekly that although banks only need a nominal minimum down payment of 20%, not all banks will implement it according to various situations such as credit information and income.
The down payment ratio of some banks in Heze City is dynamically adjusted according to market conditions.
According to the monitoring data of Yiju Research Institute, the real estate market in Heze City cooled down in the second half of 20021. After the sales of new houses in Mudan District of Heze City reached a stage high of 202 1 and 1, both the transaction volume and the average transaction price dropped rapidly. 202 1 65438+February, the number of commercial housing transactions in Mudan District of Heze decreased to 1695, and the average transaction price decreased to 688 1 yuan/square meter.
In June of this year, 5438+ 10, about 1800 sets of new houses were sold in Heze city, which was about 5% lower than that in February of 2002 1900 sets and in June of 200210 sets.
In addition to Heze City, some banks in Chongqing and Ganzhou also lowered the interest rate and down payment ratio of the first home loan.
According to media reports, around the Spring Festival, many banks in Chongqing and Ganzhou have reduced the down payment ratio of the first home loan to 20%. According to the industry, the cities adjusted in this round are all non-"restricted" cities, and the local housing and financial departments will make adjustments according to the principle of * * * *.
Wang Xiaoyu, the person in charge of Zhuge Housing Search Data Research Center, said in an interview with Time Weekly that since 2002110, there have been frequent favorable credit reports. At the level of urban implementation, some city banks have recently lowered interest rates, but they have not lowered the down payment ratio.
"The significance of lowering the down payment ratio of some banks in Heze City lies in strengthening industry confidence. Secondly, since June 20021,10, the transaction volume of Heze real estate market has dropped significantly. The down payment of some banks is conducive to the release of rigid demand, which is of positive significance to promoting the demand for reasonable housing purchase, in line with the policy tone, and it is expected that third-and fourth-tier cities will follow up later. " Wang Xiaoying further pointed out.
Give farmers subsidies for house purchase and decoration.
The property market is approaching in Xiaoyangchun, and all localities have actively introduced policies to promote the healthy and orderly development of the real estate market, and the reasonable housing needs of residents have been further met.
The "Proposal" pointed out that adhering to the principle of "purchase first, then apply, and then subsidize", farmers applying for subsidies in urban housing should mainly meet the demand for rigid housing, and must provide families with first suites, resolutely curb speculative real estate speculation, and maintain the stable and healthy development of the real estate market. For eligible farmers who buy houses, they will be given two kinds of subsidies, namely deed tax subsidy and coupon subsidy, and enjoy them at the same time.
For farmers to buy the only family housing, the government will give appropriate subsidies by issuing vouchers for household appliances. It is planned to distribute about 300 vouchers. Buyers can choose one voucher with denominations of 500 yuan (consumption of 5,000 yuan), 1000 yuan (consumption of 10000 yuan) and 1500 yuan (only one voucher).
At the same time, farmers will be subsidized in the form of vouchers for decoration materials, and about 300 vouchers are planned to be distributed. If the housing area is below 100 square meter, each household will be subsidized 1200 yuan; if the housing area is above 100 square meter, each household will be subsidized 1500 yuan. Vouchers are valid for one year from the date of collection, and can be used in designated shopping malls for purchasing home building materials in urban areas.
In this regard, Yan Yuejin, research director of the think tank center of Yiju Research Institute, told the Times Weekly reporter that the "Program" has a positive effect on encouraging local farmers to buy houses in cities and reducing the cost of buying houses. The combined operation of "deed tax subsidy and preferential housing price" has a positive effect on reducing the resistance of farmers to buy houses in cities.
"Yanji's policy is innovative. When it comes to rural household registration personnel, it does not simply refer to Yanji personnel, but also includes farmers from other provinces and cities. The policy coverage is very wide. " Yan Yuejin said that other cities in China may follow this policy in 2022, which is another driving force for the healthy development of the property market.