This is another major advantage of the property market's "policy for the city". The Minister of Housing and Urban-Rural Development said that people who buy their first home should be strongly supported. The down payment ratio and the first set of interest rates should be lowered. Reasonable support should be given to those who buy a second house. Trade in the old for the new, change the small for the big, and give policy support to families with many children. For the purchase of more than three sets of housing, it is not supported in principle, that is, it does not leave room for speculative real estate speculators to re-enter the market.
According to the policy, since the fourth quarter of 2022, the evaluation period is from the end of each quarter, from the end of last quarter to the second month of this quarter, and the sales price changes of local new commercial housing are dynamically evaluated.
Judging from the changes in residential sales prices in 70 large and medium-sized cities, the data of new houses in Shijiazhuang in the past three months are as follows:
1 1 The price of new commercial housing in Shijiazhuang decreased by 0.2% month-on-month and 3.2% year-on-year.
On June 5438+ 10, the price of new commercial housing in Shijiazhuang decreased by 0.7% month-on-month and 4. 1% year-on-year.
In September, the price of new commercial housing in Shijiazhuang decreased by 0.3% month on month and 4.4% year on year.
It is in line with the condition that the sales price of new commercial housing decreased for three consecutive months in the last quarter.
Of course, this policy also has certain timeliness. When the sales price of newly-built commercial housing rises for three consecutive months month-on-month and year-on-year, the national unified lower limit of commercial personal housing loan interest rate will be restored from the next quarter.
This is not the first time that the government has relaxed the lower limit of the first set of commercial personal housing loan interest rates.
On September 29th, 2022, the People's Bank of China and China Banking Regulatory Commission issued a notice, and decided to adjust the differentiated housing credit policy in stages. The requirements for cities are: cities where the sales price of newly-built commercial housing continues to decline from June to August 2022.
After the introduction of this policy, the interest rate of the first home loan in Shijiazhuang was lowered to a minimum of 3.8%. The deadline of this policy is 65438+February 3, 20221.
In June, 2023, 65438+ 10/,the interest rate of the first home loan returned to the lowest 4. 1%.
Will Shijiazhuang follow up after the latest policy is introduced? Phoenix Real Estate learned from bankers that the current mortgage interest rate policy is being adjusted and prepared, and the specific interest rate situation has yet to be determined.
Will the housing mortgage policy in Shijiazhuang hit a new low in the future?
Buyers, look forward to it.