□ Guo Qinqin, my intern in Meng Jia, reports.
Jinan, March 25 th, the voice of "loosening" of real estate began after the National People's Congress. Recently, Fujian introduced a new mortgage policy, allowing buyers who apply for provident fund loans for the first time to increase the maximum mortgage ratio from 70% to 80%, which triggered a heated discussion. Previously, our province also issued a policy to realize the off-site loan of the provincial provident fund before the end of 20 15.
After the good signal was released, I visited the major banks in the provincial capital, and found that compared with last year's situation that the amount of personal housing mortgage loans was tightened, the approval was slowed down, and interest rates rose, the personal housing credit policies of most banks showed signs of loosening.
According to my investigation, most of the four major state-owned banks have cancelled the interest rate floating policy, and the benchmark interest rate is implemented for the first home loan, but there is no discount for the time being. At this time last year, the interest rates of the first suites of the four major state-owned banks all rose by 5%. "Although the first suite policy has been relaxed, the regulations of the China Banking Regulatory Commission are still implemented for the second set of loan houses, and the floating range is at least 10%." A staff member of CCB said.
Outside the state-owned banks, joint-stock banks are generally relaxed, claiming that the interest rate of the first home loan can be discounted. Banks such as Minsheng, Transportation, Huaxia and China Merchants all said that the minimum mortgage can be 15% off the benchmark interest rate. But there are still differences in discount terms. For example, Minsheng Bank has a high discount threshold, and customers need to buy the property of a cooperative developer, and the bank deposit exceeds 654.38+10,000 yuan.
Similar to joint-stock banks, city commercial banks also have certain discounts, and Qilu Bank and other city commercial banks have a 15% discount. Bank of tianjin staff claimed that the benchmark interest rate for the first home is one of the few city commercial banks without preferential loans.
Most banks reproduce interest rate concessions and reduce the cost of personal mortgage loans. Taking the purchase of a house in Jinan with a total price of 900,000 yuan and a down payment of 300,000 yuan as an example, the 20-year commercial loan of 600,000 yuan is calculated by the equal principal and interest repayment method, and the monthly repayment is 4,264 yuan, and the total interest needs to be paid is nearly 423,400 yuan. If you get a 15% discount, you need to repay 4 164 yuan every month, with a total interest of 399,500 yuan. With the discount, you can pay back 100 yuan less every month, with a total interest of about 24,000 yuan less.
In response to the slight decline in bank loan interest rates, the volume of real estate transactions has also rebounded this month. According to the data released by Jinan Housing and Real Estate Information Network, since March, 8,340 sets of commercial housing have been signed online in Jinan. In February, Jinan only signed 6056 sets online.
This year's government work report deleted the reference of "restraining speculative investment demand" in real estate and turned to "supporting residents' self-occupation and improving housing demand". Many voices in the market think that this is a signal of "loosening" of real estate. However, the person in charge of a well-known real estate company in Jinan said that the slight increase in transaction volume this month may not be a real recovery. To really activate the market, it is necessary to release the demand for improved housing, and both the first suite and the second suite need to reduce the down payment ratio.
According to the report of Jinan Housing Provident Fund Management Center, among the houses purchased by Jinan employees with provident fund loans last year, 24.9 1% were under 90 square meters, 56.45% were 90- 144 square meters, and 8.64% were above 144 square meters. New houses accounted for 75.45%, and second-hand houses accounted for 24.55%. Judging from the housing purchased by citizens' provident fund loans, the proportion of improved demand is gradually expanding.
Li Tiegang, director of the Real Estate Research Center of Shandong University, believes that the current property market has formed a buyer's market. Price reduction and discount promotion are still the main means for developers to go to stock, and it is difficult to fundamentally reverse the situation of falling volume and price in the property market in the short term.