The down payment ratio of super-100-city house purchase dropped to 20%
In the new property market policy introduced at the local level, "reducing the down payment ratio" has become the standard of many urban optimization policies.
According to incomplete statistics, at least 1 15 cities have reduced the down payment ratio of provident fund or commercial personal housing loans to 20% this year, including Chengdu, Sichuan, Shijiazhuang, Shaanxi, xi, Taiyuan, Shanxi, Changchun, Fujian, Fuzhou, Nanchang, Jiangxi, Chongqing, Guiyang, Guizhou, Lanzhou, Gansu and Yinchuan.
Specifically, according to incomplete statistics, it is clear that the down payment ratio of house purchase has dropped to 20%: Shennongjia forest area in Hubei, Jianli in Hubei, Xiaogan in Hubei, Daye in Hubei, Suizhou in Hubei, Xiangyang in Hubei, Yichang in Hubei, Xianning in Hubei, Huanggang in Hubei and Guangshui in Hubei; Fuzhou, Jingdezhen, Yichun, Ruijin, Nanchang, Gao 'an, Shangrao, Xinyu and Zhangshu; Zhuozhou, Chengde, Shijiazhuang, Baoding, Langfang, Cangzhou, Tangshan and Zhangjiakou; Gansu Baiyin, Gansu Qingyang, Gansu Lanzhou; Guangyuan, Zigong, Bazhong, Neijiang, Luzhou, Ziyang, Suining, Ya 'an, Chengdu and Deyang; Altay, Xinjiang and Urumqi, Xinjiang; Xinghua, Zhenjiang, Lianyungang, Xuzhou, Yangzhou, Taizhou, Changshu, Suqian, Nantong and Huai 'an; Zhuji, Zhejiang, Wenzhou, Jiangshan, Quzhou, Taizhou, Lishui, Huzhou and Shaoxing; Liupanshui in Guizhou, Guiyang in Guizhou, Zunyi in Guizhou and Qiandongnan in Guizhou; Shaanxi Baoji, Shaanxi Hanzhong, Shaanxi xi 'an; Anhui Bengbu, Anhui Bozhou, Anhui Qianshan, Anhui Chuzhou, Anhui Huainan, Anhui Chizhou, Anhui Fuyang, Anhui Anqing; Luoyang, Xinyang, Jiyuan, Puyang, Anyang and Shangqiu in Henan; Hunan Yueyang, Hunan Xiangtan, Hunan Yiyang, Hunan Shaoyang; Qinzhou, Guangxi and Heshan, Guangxi; Jining, Linyi, Binzhou, Heze, Dezhou and Taian; Dandong, Liaoning; Jilin Shuangliao, Jilin Jilin, Jilin Changchun; Wuzhong in Ningxia, Guyuan in Ningxia, Yinchuan in Ningxia; Xinzhou, Shanxi, Taiyuan, Shanxi; Shaoguan, Jieyang, Shanwei, Chaozhou and Zhanjiang; Fujian Fuzhou, Fujian Nanping, Fujian Longyan, Fujian Quanzhou, Fujian Sanming; Yunnan Pu 'er; Chongqing; Inner Mongolia baotou, etc.
Take Chengdu, Sichuan as an example. On May 3rd this year, KLOC-0/,Chengdu issued a new policy to optimize the provident fund loan policy. The down payment ratio of provident fund loans is lowered by 10%, that is, the down payment ratio of the first suite is lowered from 30% to 20%, and the down payment ratio of the second suite is lowered from 40% to 30%.
In addition, on June 5438+065438+1October 17, Chengdu issued the Notice on Further Optimizing Regional Purchase Restriction Measures, clarifying that from June 5438+065438+18, 2022, it will Residents who are qualified to buy houses in any district in this district and those who are qualified to buy houses in the South Park of Chengdu High-tech Zone can buy houses in this restricted area. The housing purchase restriction requirements such as the number of house purchases, household registration and social security years in this area remain unchanged.
At the same time, many places have also adjusted the down payment ratio of commercial personal housing loans. According to the monitoring data of the Central Reference Institute, more than 80 cities have adjusted the down payment ratio of the first set of commercial loans to 20%.
Take Jianli City, Hubei Province as an example. 10 released a number of measures to promote the healthy development of the real estate market, including housing subsidies, deed tax subsidies, down payment ratio, etc. It is clear that from June 30, 2022 to February 30, 2022, 1 1, the first set of newly-built commercial housing will be purchased by loan in Jianli urban area, and the down payment ratio shall be no less than 20%. For families who own 1 apartment and have settled their housing loans, if they apply for commercial loans to buy ordinary commercial housing again to improve their living conditions, the first home loan policy will be implemented.
What can be seen is that not only Jianli City, but also the policy of "recognizing the house and recognizing the loan" has been adjusted many times this year. It is clear that residents who have settled the first home loan can implement the first home loan policy when buying a house, and the down payment ratio is as low as 20%. According to incomplete statistics, there are at least 30 cities including Baiyin in Gansu, Jianli in Hubei, Liupanshui in Guizhou, Yichun in Jiangxi, Guiyang in Guizhou, Guangyuan in Sichuan, Jingdezhen in Jiangxi, Baoji in Shaanxi, Bengbu in Anhui and Luoyang in Henan.
The interest rate of the first home loan in more than 20 cities entered the "3 era"
In addition to the down payment ratio, many banks have also adjusted the first home loan interest rate.
This year 1 October 20th 10, the People's Bank of China authorized the National Interbank Funding Center to announce that the LPR for1year was 3.65%, and that for five years and above was 4.3%, which was the same as last month. Although the quoted interest rate (LPR) of the loan market remained unchanged in June 5438+ 10, the interest rate of the first home loan in some specific cities is being further lowered, and the interest rate of the first home loan in more than 20 cities has entered the "3 era".
According to the regulations, the interest rate of the first set of new individual housing loans shall not be lower than the corresponding term LPR(LPR 65438 10, 4.3% for more than five years on October 20); The interest rate of the second set of personal housing loans shall not be lower than the LPR plus 60 basis points in the same period (calculated by LPR of 4.9% for more than 5 years on 20 October 2008/KLOC-0).
According to the Notice of the People's Bank of China and the Insurance Regulatory Commission of the Bank of China on May 15 this year, the lower limit of the interest rate of the first home commercial personal housing loan was adjusted to not less than the quoted interest rate of the loan market in the same period minus 20 basis points, so the lower limit of the interest rate of the first home loan in various places was 4. 1%.
However, on September 29th this year, the People's Bank of China and the Banking Regulatory Commission of China issued a notice, deciding to adjust the differentiated housing credit policy by stages, making it clear that eligible city governments can independently decide to maintain, reduce or cancel the lower interest rate limit of the newly issued local first home loan before the end of 2022.
This also means that the lower limit of the first home loan interest rate can exceed 4. 1%.
According to the monitoring data of the Central Reference Institute, up to now, more than 20 cities have reduced the interest rate of the first home loan to below 4%, including Yangjiang, Qingyuan, Yunfu, Zhanjiang, Jining, Wuhan, Guiyang, Jiangmen, Yichang, Xiangyang, Tianjin, Baotou, Fuyang, Shijiazhuang, Qinhuangdao, Kunming, Dalian, Dali, Luzhou, Anqing, Enshi, Wenzhou, Ruian and Yueqing.
According to the monitoring data of Zhuge Housing Search Data Research Center, Tianjin, Guiyang, Wuhan and Xiangyang all cut interest rates to 3.9%. Many banks in Shijiazhuang lowered the interest rate of the first home loan from 4. 1% to 3.8%, and the lowest interest rate of the first home loan in Qingyuan reached 3.7%, which is the lowest level at present.
Jaco, dean of the branch of Anjuke Real Estate Research Institute, pointed out that the mortgage interest rate level has been at a historically low level, and what is certain is that the "policy bottom" of the interest rate level has gradually become clear. Interest rate adjustment, especially the downward adjustment of the first suite interest rate, can accelerate the pace of potential buyers entering the market and play an obvious role in some cities and regions that just need concentration. But for cities where the market is in the cooling channel, the marginal effect of pulling is decreasing.
The cost of buying a house has dropped to an all-time low.
For property buyers, the current cost of buying a house has dropped to a historical low.
"The down payment ratio has been actively lowered and the interest rate has reached a relatively low level. This shows that this year has actually formed a better credit environment and policies in history, and the cost of buying a house has dropped to a historical low. This is what buyers need to take the initiative to grasp. " Yan Yuejin, research director of the think tank center of Yiju Research Institute, said.
Jaco also pointed out that from the current interest rate level and the overall performance of housing prices, the cost of purchasing houses has entered a stage low, and the pressure on mortgage loans has dropped to a historical low. Therefore, real estate has now reached the bottom of the policy, and the bottom of the market is gradually taking shape. Judging from the general trend, although the policy will continue to relax in the future, the space for further policy relaxation will be significantly narrowed, and the bottom of the market will linger for some time, which is also the "window period" for many cities to buy houses. With the continuous promotion of affordable housing and financial policies, the property market will enter a more stable development period.
Chen Wenjing, director of market research of the Index Division of the Central Reference Institute, also mentioned that since the beginning of this year, many ministries and commissions have continuously released favorable policies, and all localities have actively implemented the "policy based on the city", and the demand-side credit policies have been continuously optimized. The further easing of credit policy will help reduce the cost of housing purchase for residents, ease the wait-and-see mood in the market and drive the release of housing demand. At present, some second-tier cities still have some room for optimization in their policies of restricting purchases and loans. It is expected that with the publication of "Finance 16 Document", the relaxation of local policies is expected to increase in the short term, and the demand-side policies will continue to improve. Reducing the cost of buying a house and lowering the threshold for buying a house is still an important direction.
Chen Xiao, a senior analyst at Zhuge Housing Search Data Research Center, believes that the adjusted cities will continue to expand, and other eligible cities will follow suit. It is expected that adjusting the down payment ratio, housing identification and loan identification will become an important trend of policy adjustment.
Related reports 10 house prices are released! The number of falling cities has increased, and second-hand housing prices in first-tier cities have rarely turned down! Expert: The property market is brewing recovery.