Housing prices in first-tier cities after the epidemic
As the economic leader of China, real estate has been under the strong control of the state in recent years. During the regulation period, the price increase was limited, and the price of third-and fourth-tier cities even fell slightly. Coupled with the impact of the epidemic, Xiaoyangchun, who returned home to buy a house this year, has missed it, and real estate enterprises urgently need cash flow to ensure that they will return to work after the holiday. Therefore, after the epidemic, some housing enterprises may sell at a discount.
1, if the current new pneumonia virus epidemic continues to develop and seriously affects China's economic downturn (personal feeling 0. 5% is unacceptable), resulting in a serious loss of 6%, then from the central level, macro-control should release more policies or measures conducive to economic development.
2. Of course, this policy release is definitely a package, including currency, taxation, policies, services and so on. Among them, real estate is bound to stand up and assume its responsibilities again. Of course, it is no longer the former engine or pillar, and it is no longer the savior. After all, the central government emphasizes that it will not use real estate as a short-term means to stimulate the economy, but it will still assume the role of a ballast stone for the national economy.
What kind of loan should I buy after the epidemic?
1, housing provident fund loan:
If you have paid the housing provident fund, when buying a house with a loan, the first choice should be the housing provident fund low-interest loan. The loan interest rate of housing provident fund is very low, which is not only lower than that of commercial banks in the same period, but also far lower than the deposit interest rate of commercial banks in the same period. At the same time, when handling mortgage and insurance related procedures, the housing provident fund loan will be charged by half.
2, personal housing commercial loans:
Those who have not paid the housing provident fund can apply to commercial banks for personal housing guarantee loans, that is, bank mortgage loans. As long as the balance of deposit in the loan bank accounts for not less than 30% of the funds needed for house purchase, and it is used as the down payment for house purchase, and the assets recognized by the loan bank are used as collateral, or the unit or individual with sufficient compensation ability is used as the guarantor to repay the loan principal and interest and bear joint liability, you can apply for a bank mortgage loan.
3. Individual housing portfolio loan:
Housing provident fund management can issue provident fund loans, and the upper limit is generally1-290,000 yuan. If the purchase price exceeds this limit, the insufficient part needs to apply for a commercial housing loan from the bank. These two kinds of loans together are called portfolio loans. This business can be handled by the real estate credit department of the bank. The interest rate of portfolio loan is moderate, and the loan amount is large, which is more for the lender to choose.
The above content mainly describes the housing prices of first-tier cities in Xiao after the epidemic. What kind of loan is good for buying a house after the epidemic? The epidemic is now a very difficult aspect to control, and it is precisely because many problems in this area are not easy to solve, so it will have a great impact on some factors. The development of first-tier cities is really fast, but once problems arise, the changes will be great.