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2016 mortgage policy will be more relaxed, the first suite policy will be obvious

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

Recently, Fuzhou, Hangzhou and Nanjing have successively introduced the purchasers to pay for the purchase of housing loans, and then apply for the mortgage according to the corresponding loosening policy of the first suite. In this regard, some insiders believe that when the market is irrational and crazy, it is necessary to limit the purchase of loans. Now the situation has changed and should be adjusted according to the situation.

Zhao Qiang, chief analyst of Galaxy Securities Real Estate Industry, believes that from the perspective of local governments, the relaxation of restricted loans will help boost the property market, drive land sales, and resolve the regional financial risks brought about by the bankruptcy of local housing enterprises. From the perspective of the bank, the risk of repurchasing the mortgage after the loan balance is paid is the same as the risk of the first home purchase. Even because of the assets and the ability to purchase the second-home customer, the risk of the second mortgage is lower than that of the first-time loan. risk.

58 City Real Estate Research Department believes that if the mortgage is paid off, still hold one or two suites, and the purchase of a new house can still be regarded as the first set, which is unlikely to happen in the short term. However, the loosening of the mortgage policy is the general trend. If there is a real estate loan policy adjustment, it should mainly support the first home loan, especially ordinary housing.

It is understood that the current housing mortgage policy in Beijing is relatively stable, and there is basically no change in the policies of various banks. The down payment ratio of the first suite is 30%, the benchmark interest rate is 88%, and there are some 15% discount; the second home down payment ratio is 50%, and the interest rate is 1.1 times the benchmark interest rate. The loan time can be completed in 1-2 weeks after the mortgage registration is completed.

Zhang Dawei, chief analyst of Zhongyuan Real Estate, said that in 2015, Beijing’s most affected policies were mainly 330 new policies, and the second home loan down payment ratio was lowered. However, as the purchase restriction policy is still strict, the overall market has presented a policy window effect, and there is no obvious time point for the outbreak.

For commercial banks, the rumored loosening of the first suite of the standard, from the "reward and loan recognition" to "reward housing does not recognize the loan", according to reports, a reporter asked the central bank deputy governor Liu Shiyu, "first home loan" standard has not adjusted ? Liu Shiyu responded by saying: "Wait for documents," adding that "the benefits of people's livelihood and the adjustment of structure are always the top priority of our work."

Central bank data showed that while mortgage interest rates continued to fall, the size of mortgages increased significantly in 2015. At the end of the third quarter, the balance of real estate loans and the balance of personal housing loans increased by 20.9% year-on-year. In the first three quarters, new real estate loans were 2.81 trillion yuan, an increase of 701.6 billion yuan year-on-year; new personal housing loans were 1.92 trillion yuan, an increase of 596.1 billion yuan year-on-year. The reason why the housing credit environment is loose, on the one hand, because the overall monetary policy remains tight and moderate, the continuous reduction of the release of liquidity, and more importantly, under the guiding ideology of central consumption and destocking, more credit funds can be allocated to real estate. field. The central bank stressed that it will further improve the real estate credit policy and support residents' self-occupation and improved housing demand.

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