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2016 mortgage policy will be more relaxed First Suite policy will be obvious

Time: 2016-01-13         Source: Beijing Youth Daily         Author: Beijing Youth Daily

Recently, Fuzhou, Hangzhou and Nanjing and other places have issued a purchase of home buyers to pay off the purchase of loans, and then apply for a mortgage in accordance with the first suite that the corresponding relaxation of the policy. In this regard, there are people in the industry believe that the past when the market crazy irrational restrictions on the purchase of credit is necessary, the situation has changed, should be adjusted to follow the situation.

Galaxy Securities, Zhao Qiang, chief analyst in the real estate industry that, from the perspective of the local government, the credit limit to relax conducive to boost the property market, boosting the transfer of land, local bankruptcies to resolve the local financial risks caused by the bankruptcy. From a bank's point of view, the risk of repurchasing after the balance of the mortgage has been repaid is the same as the risk of first-time mortgages, and even the risk of secondary mortgages is lower than the first-time homebuyers risk.

58 City Real Estate Research believes that if the mortgage paid off, still holds one or two suites, buy a new home can be considered the first set of circumstances can not happen in the short term. However, the relaxation of the mortgage policy is the trend of the times. If there is any real adjustment in the mortgage policy, the first set of mortgages should be mainly supported, especially ordinary housing.

It is understood that the current mortgage policy in Beijing is relatively stable, the basic bank policy unchanged. The first suite down payment ratio of 30%, the benchmark interest rate 88% off, 15% off there are some;Two suites down payment ratioMore than 50%, the interest rate of 1.1 times the benchmark interest rate. Loan time and more in the mortgage registration is completed 1-2 weeks to complete.

Centaline Zhang Dawei, principal analyst, said that in 2015, Beijing's most affected policy is mainly the 330 New Deal,Two sets of mortgage down paymentThe proportion of down. However, due to the restrictive purchase policy, the overall market has shown the effect of the policy window without any apparent timing of the outbreak.

According to reports, a reporter asked Liu Shi Yu, deputy governor of the central bank, whether there was any adjustment to the "first mortgage" standard ? Liu Shiyu responded by saying: "Such documents as" meanwhile adding: "Welfare people's livelihood and adjusting the structure have always been the most important task in our work."

Central Bank data show that mortgage rates continued to decline at the same time, in 2015 the scale of mortgage loans increased significantly. The end of the third quarter, real estate loans and balancesPersonal housing loansThe balance increased by 20.9% over the same period of previous year. The first three quarters of new real estate loans 2.81 trillion yuan, an increase of 701.6 billion yuan more than the previous year; new personal housing loans 1.92 trillion yuan, an increase of 596.1 billion yuan more. The reason why housing credit environment is relaxed, on the one hand because the overall monetary policy to maintain the appropriate degree of moderate, continuous RRR release of liquidity, more importantly, the central government to stabilize consumption, to inventory under the guiding ideology, more credit funds can be configured to real estate field. The central bank stressed that to further improve the real estate credit policy to support residents living and improve the housing needs.

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