Many places in the country first suite down payment ratio to 20% guangdong mortgage interest rate probability continues to decline

2022-05-22 0 By

Last year had been more and more tight mortgage, quietly relaxed.On Feb. 17, a notice from a bank that reduced the down payment to 20 percent attracted wide attention online.Reporters to verify that the current heze, Chongqing, Jiangxi Ganzhou and other places of the bank to part of the eligible buyers, the first set of mortgage down payment ratio to 20%.In addition, more than 20 cities across the country have increased housing provident fund loans and reduced the down payment ratio for second homes.A number of real estate experts said in an interview that since the beginning of this year, under the guidance of the policy of “supporting the commercial housing market to better meet the reasonable housing demand of home buyers”, various regions have released signals of stabilizing the property market.A number of state-owned large banks in Our province said that the current bank loan quota is relatively loose, the future for a period of time or interest rates will continue to decline.Reduce the proportion of down payment in line with the provisions of reporters learned that the current local state-owned heze bank in Shandong has lowered the proportion of down payment for the first suite.Among them, homebuyers without a house and no personal housing loan record, the down payment ratio was reduced to 20 percent.The down payment was reduced to 25 percent for a mortgage and 30 percent for a second home.In addition to the down payment ratio, interest rates are also reduced.Local state-owned banks in Heze first suite, second suite loan interest rates were 5.6% and 5.95% respectively from 5.95% and 6.14% at the end of last year.The adjustment is not only in Heze.A number of banks in Chongqing and Ganzhou, Jiangxi province, have lowered the down payment ratio for first-time home loans to 20 percent around the Spring Festival, media reported on Feb 18.At present, in many places in China, the down payment ratio of the first home is 30 or 25 percent.Does the region quietly adjust the proportion of down payment meet the requirements?Ma Hong, a senior researcher at The Zhixin Investment Research Institute, said local governments can fine-tune the central government’s policy, and the minimum down payment for first-time homes in cities that are not subject to purchase restrictions can be 20 percent.Citic Securities Research Newspaper also said that in cities without “purchase restriction” measures, the minimum down payment ratio of commercial personal housing loans for households purchasing ordinary housing for the first time should be 25% in principle, which can be lowered by 5 percentage points in each region. For households owning one house and the corresponding purchase loan is not settled,In order to improve the living conditions of the commercial personal housing loan to purchase ordinary housing, the minimum down payment ratio shall be adjusted to not less than 30%.The heze adjustment of personal housing loan down payment ratio, in line with the government provisions of the down payment ratio around the floating range, is due to the city’s local reasonable adjustment under the policy, judged as a downward sales background of “stable housing prices, stable expectations” measures.Since the beginning of this year, under the guidance of the policy of “supporting the commercial housing market to better meet the reasonable housing needs of home buyers”, various localities have released signals of stabilizing the housing market.Reporter observation found that in the commercial mortgage “loose” before, many land housing provident fund policy in advance “loose”.For example, on January 12, Beihai City, Guangxi Housing Provident Fund Management Center issued a Notice on adjusting housing Provident Fund Loan Policies, which clearly reduced the down payment ratio of provident fund loans, making it the first city in China to reduce the down payment ratio this year.On January 18, the Zigong City Housing Provident Fund Management Center in Sichuan province issued a notice on the Adjustment of housing provident fund policy, relaxing the housing number identification policy and implementing the identification standard of “only recognizing loans but not houses”.According to incomplete statistics, in January this year, local governments have introduced more than 66 policies for the property market, mainly including generous provident fund policies, housing subsidies for talents and other supportive policies.”Due to the city policy, moderate correction” become the main tone of real estate control.As the above regions have been reducing the mortgage down payment ratio, will more cities join the ranks of “loosening” mortgage in the future?Ma Hong thought, with the macro housing policy gradually turned to “stabilizing expectations” “housing”, the next stage, especially in the first half of this year under the background of real estate investment faces greater downward pressure, is expected to have more similar small and medium-sized cities gradually introduced policies to support the property market, including the loosening housing accumulation fund loan policy, adjusting the mortgage rates, moderately loosen commodity house opens to booking system, etc.For all parts of the province is likely to join the down payment “unbound” army ranks, many state-owned banks in our province in charge of individual loan departments, all current mortgage policies are not adjusted, there is no sign of adjustment.In particular, Guangzhou and Shenzhen, the possibility of reducing the proportion of mortgage down payment is not.However, Xie Yifeng, president of China Urban Real estate Research Institute, said that from the property market transaction around the situation, in addition to Guangzhou and Shenzhen, other areas still exist “loose” possibility.It is worth noting that although guangdong is still to be observed whether the adjustment of the down payment ratio, but more certain is that the current, including guangzhou and Shenzhen, the amount of mortgage has been relatively loose.A state-owned bank loans department head told reporters that the future for a period of time, mortgage rates will continue to lower is a large probability event.Nanfang Daily reporter Chen Ying (Nanfang Daily) stated: This article is reproduced for the purpose of passing on more information.If the source is wrong or violated your legitimate rights and interests, please contact the author with proof of ownership, we will promptly correct, delete, thank you.Email address: newmedia@xxcb.cn