The First Financial Reporter learned from the local bank that after the news of loosening the purchase restriction and reducing the down payment ratio in the early stage came out, Langfang, Hebei "rumored" or canceled the above policies. Although the unified new property market policy has not been publicly promulgated, local banks have recently further increased their credit support for housing purchases. Most banks have reduced the personal first home loan to a minimum of 4.25%, among which the down payment ratio of the four major banks of workers, peasants and China Construction can clearly reach 20% for the first suite and 30% for the second suite.
According to real estate agents, the local purchase restriction policy began to relax at the end of July last year, and it was obviously relaxed in the first quarter of this year. There is no restriction on buying a house in Langfang for foreign hukou.
As the first choice for many "northern drifters" to buy houses, the Yanjiao property market in sanhe city was once hot, but the restricted purchase and epidemic situation continued to cool down. With the "quiet" implementation of a series of loosening policies, the previously sluggish transactions have recently begun to pick up. A popular residential area sold more than 10 sets in three days, more than the whole of May. "I signed three loans today, which is much better than before." The credit manager of a big bank told reporters.
Interest rates and down payment both fell.
"The 4.25% and 4.45% that were just adjusted last week came down again in a few days." The credit manager of a branch of China Construction Bank in Yanjiao, sanhe city, said that the interest rate of the first home loan was 4.25%, and the interest rate of the second home loan remained unchanged at 5.05%. The staff of a branch of the bank in Xianghe County also said that the interest rate of the first suite of the branch was 4.45% before, but it can be as low as 4.25% after recent adjustment, which needs to be finally determined according to different real estate cooperation and personal credit situation.
On May 20th, the latest five-year multi-period LPR (loan market quotation rate) disclosed by the central bank was lowered by 15 basis points to 4.45%. After that, the central bank lowered the benchmark interest rate of the new first home loan by 20 basis points, and many banks began to implement the minimum interest rate of 4.25% in the context of the city's policy.
In addition to CCB, the staff of branches of ICBC, ABC and BOC in Sanhe, Dachang and Xianghe in Langfang confirmed the recent interest rate cut of the first suite, which generally started last week.
A month ago, according to the real estate agent, the interest rate of the first home mortgage in Langfang was generally around 5.39%. When the reporter consulted as a property buyer, many bank mortgage account managers also said that the mortgage interest rate was adjusted several times only last month and all the way down to the current lowest level. However, some small and medium-sized banks have not made the latest adjustments. Take Langfang Bank as an example. The staff of a branch of the bank's Dachang said that it will continue to implement the interest rate level of 4.45% for the first suite and 5.05% for the second suite. It has not been heard whether it will be further lowered.
The implementation standards of different branches of the same bank are also different. Take China Industrial and Commercial Bank as an example. Unlike a branch in Dachang, which implemented the minimum interest rate of 4.25% for the first suite, a branch in Xianghe still applied for loans at 4.45% for the first suite and 5.05% for the second suite. "I also heard about the adjustment of other branches. We haven't received the notice yet, but it may change in a day or two. " The staff of a branch in Xianghe said.
Not only is the loan interest rate lowered, but the down payment ratio is also lowered. As early as the beginning of April, it was reported that the bank in Yanjiao lowered the down payment ratio, that is, the first suite was lowered from 30% to 20%, and the second suite was lowered from 50% to 30%. However, after a one-day tour, many banks suspended their positions. Recently, the reporter consulted again, and the staff of several branches of the four major banks made it clear that 20% of the first suite and 30% of the second suite have been implemented for a long time. Some bank staff also said that the final down payment ratio should be determined according to the real estate and intermediary, which will be within the range of 20% ~ 30%.
However, the staff of a branch of Langfang Bank Dachang said that the bank continued to implement the 30% down payment requirement for the first suite, and stressed that "20% is not in compliance". In this regard, the reporter consulted a number of bank staff as buyers. The other party said that 20% was adjusted within the scope permitted by the policy, and some banks re-agreed the down payment ratio with developers according to the latest policy.
The above-mentioned intermediary told reporters that the down payment ratio of new houses dropped to 20% as early as last year, but the down payment ratio of second-hand houses fell to 20% only after mid-May, and now most banks can do it. According to the "Implementation Opinions on Further Promoting the Stable and Healthy Development of the City's Real Estate Market" issued by Langfang Municipal Government on 20 17 (hereinafter referred to as "Opinions"), the down payment ratio of local residents to purchase the first suite is not less than 30%; The down payment ratio of the second suite is not less than 50%.
The transaction has obviously warmed up.
Three counties around Beijing (Sanhe, Xianghe and Dachang) in Langfang, especially Yanjiao in sanhe city, are good choices for many "northern drifters" to buy houses because of their convenient commuting. The local house price once exceeded 25,000 yuan/square meter during the peak period of 20 16 ~ 20 17, which also attracted many real estate speculators. Some buyers told reporters that in 2065438+February 2007, the highest quotation of several popular communities in Yanjiao once reached 39,000 yuan/square meter.
However, with the promulgation of 20 17 Opinions, the purchase restriction began to be strictly enforced. In addition to suspending local households with two or more houses from buying houses locally, non-local households are also strictly required to provide local social insurance payment certificates or tax payment certificates for three years or more (purchase restriction 1 set). This policy discouraged the real estate speculators, and also shut out the "North drift" family. The once-popular Yanjiao property market fell in volume and price.
Coupled with the interference of the epidemic on commuting in the past two years, the real estate market in the three northern counties continued to cool down. After the price was halved, some houses were auctioned or sold at low prices due to insufficient supply.
The reporter found in the APP search of real estate agents such as Anjuke and Jia Lian that the popular houses in the three counties around Beijing (Yanjiao, Xianghe and Dachang) are still concentrated in Yanjiao, the nearest to Beijing, with an average price of about 1.7 ~ 1.8 million yuan/square meter, but it is 2016 ~ 20/kloc-.
But it has rebounded recently. In addition to more relaxed credit support, the more critical purchase restriction policy is gradually loosening. As early as the end of April, the news that the Langfang municipal government abolished the above opinions and released the purchase restriction continued to spread, but both the local housing and construction bureau and the real estate trading center said that they had not received the notice to cancel the purchase restriction.
Some intermediaries revealed to buyers that the purchase restriction policy was gradually relaxed at the end of July last year, but the process was relatively cumbersome and it was not allowed to be publicized through channels such as friends circle. Only one month later, the industry tightened regulation. Until March of this year, the relaxation of purchase restriction gradually became an "open secret".
According to the reporter's understanding, some branches of some big banks suspended the local second-hand housing business in Langfang in the early stage, and are preparing to gradually resume in the near future, but only cooperate with designated intermediaries. However, the local mortgage business of small and medium-sized banks such as Chengde Bank was suspended in the fourth quarter of last year and has not been restarted so far.
"I have accumulated a part of the housing (inventory) in the early stage, and now I have started selling it. Then the price should fluctuate slightly. " According to many intermediaries, the favorable policies and the improvement of the epidemic situation have significantly increased the number of customers who have consulted the house recently. In just three days, a cost-effective residential area in Yanjiao has sold more than a dozen sets, exceeding the monthly turnover last month. A loan officer from another big local bank revealed that at present, three loans can be signed a day, which is significantly higher than before.