The above report shows that in the first quarter of 20 19, the commercial housing sales market in Beijing rebounded significantly compared with the same period of 20 18. In this quarter, the first-hand ordinary residential market added 1037500 square meters, up 100 1% year-on-year, and the transaction area was 942200 square meters, up 65438 year-on-year. It can be seen that the Beijing property market showed a warming trend in the first quarter, and the demand for home purchase was gradually released.
The Beijing property market, which has just improved, was instantly splashed with cold water. The National Provident Fund Center recently announced that starting from April 15, the down payment ratio of the second home loan will be adjusted to a minimum of 60% and a maximum of 600,000 yuan.
According to Zhang Dawei, chief analyst of Zhongxin.com and Zhongyuan Real Estate, this policy has little direct impact on the market, but it will definitely affect "Xiaoyangchun" psychologically. It will have a great psychological impact on the Beijing property market that has recently picked up.
The second suite "recognizes the house and recognizes the loan"
Every reporter learned that the state-run provident fund refers to the housing provident fund paid by the employees of the central state organs and state-run units in Beijing, including the housing provident fund paid by the Central directly under the authority Sub-center, which is managed by the housing fund management center of the central state organs. Part of the state-managed provident fund can be used in different places, but mainly in Beijing, with employees of central enterprises as the mainstay, and few in other cities. In normal years, state management only accounts for about 12% of provident fund loans.
The difference between state management and municipal management is that the provident fund of state-owned enterprises is basically state management, the provident fund of local provinces and cities is municipal management, and that of ordinary enterprises and institutions is also municipal management. Most state-owned enterprises are state-owned.
In September last year, Beijing began to "recognize housing and loans", and now the state-run provident fund has finally followed suit. According to this new policy, if the family of the loan applicant (including the loan applicant, spouse and minor children) has no housing in Beijing and there is no housing loan record (including commercial housing loan and housing provident fund loan) in the names of both husband and wife, it will be handled according to the first housing loan policy.
If the family of the loan applicant has no housing in this city and only has 1 housing loan record in its name, and only has 1 housing loan record in this city and no housing loan record in its name or only has 1 housing loan record, it shall be handled according to the second housing loan policy. In other words, I used to buy a house as a loan, whether it was a commercial loan or a provident fund loan. Now sell small and buy big, and start to recognize the second suite from April 15. If it is identified as two or more houses, no loan will be granted.
Adjust the down payment ratio
The New Deal also adjusted the down payment ratio this time. In terms of down payment, according to the regulations, if the loan applicant purchases affordable housing, the down payment ratio shall not be less than 20% of the total purchase price; When purchasing the first set of housing other than affordable housing, the down payment ratio shall not be less than 30% of the total purchase price; For the purchase of two houses, the down payment ratio shall not be less than 60% of the total purchase price. If the loan applicant purchases a stock house, the total purchase price shall be the lower of the house appraisal value and the total purchase contract price.
In terms of loan amount, the maximum amount of the first set of housing loans is 6.5438+0.2 million yuan, and the benchmark loan interest rate is implemented; The maximum amount of the second home loan is 600,000 yuan, and the loan interest rate is 1. 1 times of the benchmark loan interest rate for the same period.
The New Deal also pointed out that under the premise of ensuring the borrower's basic living expenses, according to the loan amount, term and applicable interest rate applied by the borrower, the monthly repayment amount calculated by the equal principal and interest repayment method should not exceed 60% of the borrower's monthly income. At the same time, the loan term does not exceed 25 years, the longest can be calculated to 5 years after the legal retirement age of the loan applicant, and the maximum is no more than 65 years old.
Will support the purchase of policy rooms.
Every reporter noticed that the new policy still supports employees to buy policy-oriented housing. The Housing Fund Management Center of the central state organs explained that the New Deal gives priority to employees who purchase policy-oriented housing to apply for loans in terms of loan amount, number of housing units and time limit for approval.
It is reported that when employees purchase policy-oriented housing, they do not consider factors such as deposit balance, deposit period, spouse's deposit amount and adjustment coefficient when determining the amount of individual housing loans for housing provident fund; The purchase of affordable housing to apply for loans, according to the first set of housing loan policy; Apply for policy housing loans such as shared property housing, and determine the loan application policy according to the actual housing and loan situation under the borrower's name.
In addition, the certification materials will be further streamlined. When applying for a loan, the loan applicant only needs to bring the original identity certificate, marriage certificate, down payment certificate and other materials without providing a copy; If the borrower deposits the housing provident fund in Beijing Housing Provident Fund Management Center, it is not necessary to provide a personal inquiry form for housing provident fund; If the housing provident fund is transferred to the provident fund center to deposit the housing provident fund through the national housing provident fund transfer and connection platform in different places, it is not necessary to provide the "Certificate of Deposit and Use of Housing Provident Fund for Employees with Foreign Loans" issued by the original deposit city provident fund center; If the deposit time of housing provident fund for demobilized military personnel does not meet the relevant provisions, the transfer certificate shall be provided, and the "Certificate of Housing Provident Fund Deposit" issued by the original unit shall not be provided.
Yan Yuejin, research director of the think tank center of Yiju Research Institute, told the Zhongxin.com that this policy adjustment reflects the guidance and control ideas of policy tightening. The core is to implement the policy of "recognizing housing and recognizing loans" for provident fund loans, which is helpful to control the rhythm of provident fund loans.
Yan Yuejin pointed out that this adjustment has further intensified efforts to support paid employees to purchase policy-oriented housing, meet the demand for first homes, and curb the demand for real estate speculation, which has a more obvious impact on the Beijing market. In the future, the sales of just-needed properties are expected to be better, and the sales of improved properties will be affected to some extent.
On the other hand, Zhang Dawei said that the newly started "Xiaoyangchun" property market in Beijing will soon be hit by the tightening of state-owned provident fund, including the supply blowout in Qinglong Lake and other areas. It is expected that if there is no other credit easing policy in Beijing property market in May, the market is likely to decline in March-April.