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

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

Recently, Fuzhou, Hangzhou and Nanjing have successively promulgated the corresponding loosening policy determined by the first suite when the purchaser repays the purchase loan and then applies for the mortgage. In this regard, some people in the industry believe that in the past when the market was irrational and mad, it was necessary to limit the purchase of loans, and now the situation has changed, and the situation should be adjusted.

Zhao Qiang, chief analyst of real estate industry at Galaxy Securities, believes that, from the perspective of local government, the relaxation of restricted loans can boost the property market, drive land sales, and resolve the regional financial risks brought about by the failure of local housing enterprises. From the bank's point of view, the risk of repaying the mortgage after the mortgage balance is paid off is the same as the risk of first-time homebuying. Even the risk of the second mortgage is lower than that of the first-time homebuy first-time customer because of the assets of the second-home buyers and the ability to buy houses. risk.

58 Real Estate Research Department of the same city believes that if the mortgage is repaid and one or two suites are still held, it will not be possible in the short term if a new house can be purchased. However, the loosening of mortgage policies is a general trend. If real mortgage policies are adjusted, it should mainly support the first mortgage, especially ordinary housing.

It is understood that the current housing loan policy in Beijing is relatively stable, and there has been no change in the banking policies. The down payment for the first suite is 30%, the benchmark interest rate is 80%, and the 15% discount is also higher.Second House Down Payment RatioMostly 50%, the interest rate is 1.1 times the benchmark interest rate. Loaning time can be completed within 1-2 weeks after the mortgage registration is completed.

Zhang Dawei, chief analyst of Centaline Real Estate, stated that in 2015, the most affected policies in Beijing were mainly the 330 New Deal.Second mortgage down paymentThe proportion is lowered. However, since the purchase restriction policy is still strict, the overall market presents a policy window effect and there is no obvious outbreak time.

For the commercial bank rumors loosen the first suite of standards, from the "recognized housing and credit" to "accept the room does not recognize the loan", it is reported that a reporter asked the Deputy Governor of the Central Bank Liu Shiyu, "first house loan" standard has not adjusted ? Liu Shiyu responded by saying: "Waiting for documents," and adding, "Benefiting the people's livelihood and adjusting the structure are always the top priorities of our work."

According to central bank data, while mortgage interest rates continued to decline, the size of home loans increased significantly in 2015. At the end of the third quarter, the balance of real estate loans andPersonal housing loanThe balance increased by 20.9% compared to the same period of last year. In the first three quarters, new real estate loans totaled 2.81 trillion yuan, an increase of 701.6 billion yuan year-on-year; new personal residential 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 is that, on the one hand, the overall monetary policy has remained tight and moderate, and the liquidity has been continuously lowered to release liquidity. What's more important is that under the guiding principle of stable consumption and destocking in the central government, more credit funds can be allocated to real estate. field. The central bank stressed that further improve the real estate credit policy to support residents' needs for self-occupation and improved housing.

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