Both new regulations came into effect on July 24th.
The interest rate of the first suite is adjusted to 5%
The second suite is adjusted to 5.7%
"What we can do now is to let the account manager input information in the internal system and submit it tonight (July 23rd). Whether it counts or not depends on regulatory requirements. " A related person from a bank in Shanghai said in an interview with the Securities Times reporter.
On the afternoon of July 23rd, the Shanghai Headquarters of the People's Bank of China held a meeting with banks in Shanghai to determine the issue of raising the mortgage interest rate in Shanghai. Among them, the interest rate of the first suite was adjusted from the current 4.65% to 5%, and the interest rate of the second suite was raised from 5.25% to 5.7%.
The banker told reporters that the increase in mortgage interest rate is only for the newly accepted business from July 24. According to the usual practice, the interest rate of the first suite and the second suite of banks in Shanghai are unified at 5% and 5.7% respectively.
"Compared with the first suite, the interest rate of the second suite loan has a higher floating rate, which objectively has a greater impact on the buyers of the second suite." Yan Yuejin, research director of the think tank center of Yiju Research Institute, said.
Take the second suite as an example. Under the previous interest rate of 5.25%, the monthly repayment amount of a commercial loan of 2 million yuan for 30 years is 1 1044.07 yuan, and the total interest is 1975900 yuan. After the interest rate is raised to 5.7%, the 30-year monthly repayment of a commercial loan of 2 million yuan is 1 1608.0 1 yuan, and the total interest is 2178,900 yuan, with the monthly payment of 56,394 yuan more and the total interest of 203,000 yuan more.
"If the risk of personal mortgage bills is high, the loan interest rate will continue to increase." Another banker in Shanghai told reporters.
The reporter learned from a property buyer that he just applied for a second-hand housing mortgage loan in June this year. Due to overdue records in credit records, the final interest rate was raised by the bank by 160 basis points (based on the 5-year LPR of 4.65%), reaching 6.25%.
"I found a bank through a loan intermediary. The loan agent asked me if I could accept the interest rate of 6.25%. If I can, I can sign a loan contract. The next home has been urging me, I can only accept it. " The buyer said.
House donation within 5 years.
Still counting the number of housing units owned by donors.
On the same day, Shanghai Housing and Urban-Rural Construction Management Committee, Shanghai Housing Management Bureau and Shanghai Natural Resources Confirmation Registration Bureau jointly issued regulations to strengthen the management of donated housing and further strictly implement the housing purchase restriction policy.
According to the Notice on Strengthening the Management of Housing Donation, since July 24, 20021,if the housing is transferred by donation, the donee shall comply with the national and Shanghai housing purchase restriction policies; The house is still recorded in the number of houses owned by the donor within 5 years from the date of transfer registration. At the same time, strengthen the management of housing transaction registration, include the transfer of donated houses in the scope of housing transaction verification, and refuse to go through the transaction registration procedures if the donated parties do not meet the housing purchase restriction policy.
Image source: WeChat official account, official of Shanghai Housing Management Bureau.
The "Notice" requires that the natural resources confirmation registration centers (real estate registration centers) in various districts of Shanghai should include the transfer of donated houses in the comprehensive window; The district real estate trading center should strengthen the audit and include the transfer of donated housing in the scope of housing transaction verification (the transaction verification time is subject to the date of receipt of the comprehensive window). If the donor does not meet the housing purchase restriction policy, the transaction registration formalities shall not be handled.
"Incorporating the house donation behavior into the scope of purchase restriction is a way to repair and fill the loopholes in the purchase restriction policy." Yan Yuejin said, "In recent years, the use of housing gifts to circumvent the purchase restriction policy in disguise has increased. The landlord reduced the number of properties in disguise, thus obtaining the qualification to buy a house. Buyers bypass the purchase restriction review in disguise and speculate in real estate, which not only weakens the effectiveness of the purchase restriction policy, but also affects the implementation of the policy of' housing and not speculating'. "
If there is a room under the landlord's name, according to the previous regulations, the first suite qualification will be obtained immediately after the gift, but now it takes five years to obtain the first suite qualification; If you are a registered landlord in Shanghai and have two houses under your name, you are no longer eligible to buy a house. According to the previous regulations, once you give a house, you will be eligible to buy a house. Now it will take five years to get the qualification to buy a house.
Song Hongwei, research director of Tongce Research Institute, said in an interview that the adjustment of Shanghai's donated housing to the purchase restriction policy has a lot to do with the points system policy on donated housing. The points system stipulates that the houses donated by the subscribers after 202 1 1 22 (inclusive) are still included in the subscribers' names. "If the purchase restriction policy is not adjusted, there will be a property that triggers the points system and a property that does not trigger the points system, and people hold the house logo.
"The introduction of this policy has blocked the opportunity for immediate family members to obtain the qualification to purchase houses through donations." Song Hongwei told reporters, "From the perspective of market impact, it has a certain impact on some overall markets. The items snapped up are mainly upside-down net red plates. This policy is equivalent to a reduction in gifts. If you lose the qualification to buy a house again, you can reduce the project points to some extent and cool down the online red disk. "
Yan Yuejin said that Shanghai will include donated housing in the purchase restriction policy, which can also be used for reference by other cities in the country. "At present, Beijing, Shanghai, Nanjing, Hangzhou and other cities in China have introduced policies to include donated housing in the purchase restriction. It is expected that there will still be cities that will include donated housing in the purchase restriction policy in the second half of the year."
Second-hand housing prices can still be traded without verification.
From July 19, second-hand houses in Shanghai that have not passed the price verification shall not be released to the public. A real estate agent told reporters that the price verification system and intermediary housing system of the real estate transaction department have been gradually improved, and some houses that have not been displayed on the external network before (within the verification price limit) have been put on the shelves one after another.
Even so, a few houses have been removed from the shelves. On the evening of July 23rd, an intermediary's extranet showed that the housing supply was 1.77 million sets, which was about 1.43 million sets less than the 32,000 sets when the policy was introduced.
The above-mentioned intermediary told reporters that there are 77 suites in an old school district outside the outer ring, but only 22 suites are finally displayed on the external network through verification. "However, not all of them failed to pass the verification because the listing price was too high, some did not get the written entrustment of the landlord, and some materials were incomplete."
Judging from the approved house, the approved price is not low. "The highest verification price may have risen on the basis of the average transaction price of the community last year." The above intermediary said.
According to the small inquiry procedure for the verification price of second-hand houses launched by a platform, the highest price of Fangmeiyuan Third Neighborhood in a well-known school district in Pudong has reached 654.38+0.895 million yuan/square meter.
The reporter learned that second-hand houses that have not passed the price verification can only be displayed on the intermediary network, but they can be traded normally. "If someone is willing to buy at a price higher than the highest price, it will not be affected in the transaction, but at present, buyers are resistant to houses that have not passed the price verification, and it is difficult to clinch a deal." The above intermediary said.