Adjust provident fund loans
A few days ago, the Housing Provident Fund Management Center of Zigong City, Sichuan Province issued the "Notice on Adjusting the Housing Provident Fund Policy", clearly relaxing the policy of identifying the number of housing units and implementing the identification standard of "only recognizing loans but not recognizing houses". There is no record of housing provident fund loans and no outstanding housing commercial loans, which shall be implemented according to the first home loan policy; If there are records of settled housing provident fund loans or unsettled housing commercial loans, they shall be implemented according to the second home loan policy, and the loan records shall be subject to the credit report, except for the third home loan. Cancel the restriction that the interval between two housing provident fund loans must be 12 months or more; Give policy support to high-level talents who hold Tianfu Cai Ying A, B and C cards, and the specific measures shall be formulated separately. The adjustment policy will be implemented from June 65438+1October 65438+July 2022, with a validity period of three years.
Previously, Beihai issued a new policy to adjust provident fund loans, becoming the first city in China to reduce the down payment ratio since 2022.
In this regard, Yan Yuejin, research director of the think tank center of Yiju Research Institute, believes that by the end of 20021,Beihai's destocking cycle will be 23.7 months, and it is generally in a city with relatively difficult destocking. After the release of the New Deal, the down payment ratio of provident fund loans in Beihai City was reduced from 60% to 40%, which objectively significantly reduced the down payment pressure of such buyers and was conducive to stimulating local demand for improved housing.
The speed of commercial loans has accelerated.
According to a survey conducted by china securities journal reporter, since 2022, the issuance speed of commercial loans for house purchase has greatly increased compared with the second half of 20021. Take Beijing as an example. At present, the lending cycle of commercial loans of most branches in Beijing has been shortened to less than 1 month.
Some bankers told the china securities journal that banks generally have the practice of "lending at the end of the year and depositing at the end of the year", and releasing the loan quota as early as possible at the beginning of the year is conducive to ensuring the bank's annual profits.
Following the RRR cut at the end of 20021,the five-year or longer LPR closely related to mortgage loans has also been lowered.
65438+1 On October 20th, the People's Bank of China authorized the National Interbank Funding Center to publish the latest loan market quotation,1year LPR 3.7%, down10bp; ; The 5-year LPR is 4.6%, down 5 basis points.
Jaco, dean of the branch of 58 Anjuke Real Estate Research Institute, believes that the downward adjustment of LPR will reduce the interest expense of personal mortgage, which will stimulate some just-needed buyers who are holding money and wait-and-see, and to some extent, slightly boost the enthusiasm for buying houses. In addition, on the basis of the "three red lines", the financing difficulty and financing cost of the real estate development industry are expected to be reduced.
(The original title is "Multi-site Adjustment of Provident Fund Loan Policy")