On the eve of National Day, the People's Bank of China and the China Banking Regulatory Commission issued a notice stating that in cities without "purchase restrictions", for commercial personal housing loans for households purchasing ordinary houses for the first time, the minimum down payment ratio will be adjusted to no less than 25%. Yesterday, as a home buyer, a reporter from Nandu visited the five major banks most commonly used by Zhuhai residents for home purchase loans and found that in addition to Agricultural Bank of China and China Construction Bank, Bank of China, Bank of Communications, Industrial and Commercial Bank of China and other banks have begun to implement the new policies. First-time home buyers You can apply for a loan with a down payment ratio of 25%.

?Bank of Communications:

?The new policy will be implemented at the end of September

?Nandu reporters learned that after the new policy was introduced, some parts of Zhuhai Banks have quickly followed suit. A personal loan manager at Bank of Communications said that he received the news on the afternoon of September 30 and began to implement the new policy. Some banks did not implement the new policies immediately because the "9.30 New Deals" were introduced during the National Day holiday, and only started to implement them in recent days.

Although some banks have begun to implement the new policy of 25% down payment, reporters found that there are still differences in the industry regarding some details of the new policy. For example, regarding the determination of whether "first-time home purchase" refers to "first house", the reporter asked the credit departments of the five major banks about this matter. The staff all said that the current policy is that in principle, as long as there is no loan purchase record under the name, then purchase It can be considered as your first home and you can enjoy the 25% down payment policy. In addition, major banks have different restrictions and requirements on the 25% down payment.

A personal loan manager of Zhuhai Industrial and Commercial Bank of China said that the bank currently stipulates that home buyers with no loan records under their names can enjoy this policy when they take out a loan to purchase real estate in non-restricted areas of Zhuhai for the first time. When purchasing a property in a restricted area, or if you have applied for a loan before, the down payment is still 30%.

?Staff from the Bank of Communications also said that purchasing a first-hand house in Zhuhai’s purchase-restricted area with a loan will be affected by the purchase restriction policy. If you have previously purchased a house with an area of ??less than 144 square meters in a purchase-restricted area, the down payment for applying for a loan to buy a house again is still 30%. However, if you purchase a second-hand house in a purchase-restricted area, you can make a 25% down payment. "A lot of people have asked about this issue recently. After all, this policy is actually attractive to home buyers, but not many people actually do it." A staff member from the Bank of Communications told reporters.

?A personal loan manager from the Bank of China said that if you buy a house for the first time, whether in a purchase-restricted or non-restricted area, if the borrower’s family does not have any real estate, you can enjoy the benefits if you buy a house for the first time after the implementation of the New Deal. 25% down payment; if the borrower’s family has a record of loan purchases, regardless of whether the loan is paid off or not, this discount will not be available when buying a house again.

?CCB:

?Waiting for the provincial bank to issue specific guidelines

?Recently there is news that in Guangdong Province, the China Construction Bank Guangdong Branch has officially Implement the “25% down payment for first home loan in non-purchase restricted areas”. In addition to Shenzhen (not under its jurisdiction) and the 10th District of Guangzhou City, the bank has lowered the down payment for first home loans from the original 30% to 25% in other areas of Guangdong Province, including Zengcheng and Conghua of Guangzhou. However, a reporter from Nandu yesterday consulted the personal loan department of Zhuhai Construction Bank as a citizen. The staff said that they are still waiting for specific guidance from the provincial bank and the specific identification standards have not yet been released. Therefore, the policy of 30% down payment is still implemented for the time being, and it is expected that the new policy will be implemented soon.

A staff member of the Agricultural Bank of China also told reporters that they have heard about this policy, but have not yet received an official document from the head office. Therefore, the new policy has not yet been implemented, and it is still uncertain when it will be implemented.

Some people from state-owned banks who did not want to be named told Nandu reporters that in their internal view, there is actually no substantial change between the current 25% down payment and the previously stipulated 30% down payment. For those who just need to buy a house, the pressure on the down payment budget can be smaller. "Currently, the personal loan market in Zhuhai is relatively stable, and housing loans are not tense, so this policy is nothing to the banking industry. Anyway, if the state has policies, they will be implemented.

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?Reflections from the real estate industry

?Affected by the New Deal, the number of people looking at properties during the National Day was several times more than usual

?Resident families are buying ordinary houses for the first time and are commercial individuals For housing loans, the minimum down payment ratio has been adjusted to no less than 25%, which means that the threshold for home purchase has been further lowered and also increased the confidence of home buyers in the property market. Nandu reporters noticed that as soon as the "9.30 New Deal" came out, the Zhuhai real estate circle was in a state of chaos. Many people in the industry said that the real estate market has received another great benefit. For example, the official WeChat account of a new real estate project in Tangjiawan yesterday posted "2.50% down payment for house purchase in Zhuhai." ", the best time to buy a house is coming" advertisement.

?During the National Day, when Nandu reporters were looking at the properties of the Doumen Times Allure project, there were dozens of home buyers looking at the properties. The sales staff said that Times Allure and Times Fragrance Projects such as Oceanside already enjoy a preferential policy of 25% down payment. Due to the impact of the New Deal, during the National Day, the number of citizens visiting the property was several times higher than usual. “I received a notice from a bank two days ago saying that there are no purchase restrictions in Zhuhai. In this area, as long as there is no loan record, no local house, and the customer is purchasing an ordinary residence and meets the above three conditions, the down payment for the first home can be 2.5%. However, those who have had a housing loan are not eligible and will still be subject to the original policy. ”

?Settling accounts

?Purchasing a million-yuan property will pay 441 yuan less in monthly payments

?According to policy understanding, currently Zhuhai West District (including Jinwan District and Doumen District) is an area with no purchase restrictions. The average price of first-hand commercial housing is generally around "8". If the total price of the first-time property purchase is 1 million yuan, the commercial loan will be paid off in 20 years. According to the policy in October last year: down payment: 30. Ten thousand yuan; loan: 700,000 yuan; the base interest rate for loans over 5 years is 6.55%, and there is no discount on the bank's base interest rate. The monthly supply and demand is 5,240 yuan. According to the current policy: the base interest rate is 5.15%, the bank interest rate is 10% off, and the down payment is 250,000 yuan. The loan is 750,000 yuan, and the monthly supply and demand is 4,799 yuan. The down payment is reduced by 50,000 yuan, and the monthly payment is reduced by 441 yuan.

?Industry predictions

?More bailout policies are expected to be introduced

Li Bingliang, general manager of Zhuhai Left Bank Real Estate, pointed out that from the introduction of this policy, it can be seen that the country wants to convey the message of stabilizing the development of the real estate market. “However, the real estate market has entered a relatively balanced era, and some cities are supplying goods. If the demand is greater than the demand or the demand is not strong, even if the policy has a certain effect, I personally think the effect is very small. ”

Li Bingliang believes that the overall domestic economy is currently declining, which will bring many uncertain impacts to the entire society. From an investment perspective, the most beneficial industry is still real estate, because investment in the real estate industry It is the quickest to gain and has a clear short-term stimulating effect. Therefore, the state has adopted loose policies for the real estate industry in recent years, such as taxation, housing purchase subsidies, provident funds, interest reduction and other policies, and for example, reducing the down payment from 40% to 30%. Up to 2.5%, these policies are all aimed at promoting the development of real estate. “I predict that the loose policies may not be over yet, and there may be more policies to stimulate the property market in the future. ”

?What each bank said about the first home purchase

?A loan manager from the Bank of China: The borrower’s family has a record of loan purchases for houses. Regardless of whether the loan is paid off or not, he will not be able to enjoy the benefits of buying a house again. New Deal Discounts.

A loan manager from Industrial and Commercial Bank of China: Home buyers with no loan history can enjoy New Deal Discounts when purchasing a property in a non-restricted area of ??Zhuhai with a loan.

? Staff from Bank of Communications: If you purchase a first-hand house in a restricted area of ??Zhuhai with a loan, the purchase restriction policy will interfere. If you have previously purchased a house with an area of ??less than 144 square meters in a restricted area, the down payment for applying for a loan to buy a house again will still be 30%. If you purchase a house in a restricted area, the down payment will still be 30%. For a second-hand house, you can make a down payment of 25%.