Recently, hot cities, including Nanjing, Suzhou and Wuxi, have reported that the minimum down payment ratio can be reduced to 30% for re-buyers. In addition, non-hot cities Fuzhou and Lianyungang have loosened the "recognition of housing and loan".
Although some of the above cities have not issued a document, some cities are still "suspended" under the pressure of public opinion, but in the eyes of the industry, "selling one set and buying one set" is judged as a second suite because of the loan record, and the down payment ratio is very high and unreasonable; The optimization of "recognizing housing and recognizing loans" is the general trend, and more cities will join in.
Recently, Nanjing, Suzhou and Wuxi property markets all reported the news of optimizing or canceling "recognizing houses and loans". Diagram /IC diagram
Hot cities try to loosen the "recognition of housing and recognition of loans"
Recently, a number of key second-tier cities have reported that they want to loosen the credit policy and optimize or cancel the news of "recognizing housing and recognizing loans".
Last week, a "Resolution on Adjusting the Differentiated Housing Credit Policy in Nanjing" issued by the self-discipline mechanism of market interest rate pricing in Jiangsu Province was circulated in the industry. It is pointed out that the down payment ratio of commercial loans for housing purchase is not less than 30% for households with housing purchase records in Nanjing urban area (excluding Lishui District and Gaochun District) but no housing when applying for loans, or households with/kloc-0 housing but no housing purchase loan records or corresponding housing purchase loans have been settled; Urban households (excluding Liuhe District, Lishui District and Gaochun District) housing 1 set, and the corresponding housing loan has not been settled. If you apply for a commercial personal housing loan to buy ordinary housing again, the minimum down payment ratio shall not be less than 60%.
In the past, households with 1 suite in Nanjing and whose loans have been settled applied for a mortgage again, with a down payment of 50%; Households with 1 suite and outstanding mortgage apply for mortgage again, and 80% down payment is implemented. If the policy is adjusted, especially through the "one sale and one purchase" replacement, the down payment ratio of some buyers will drop sharply.
However, the Nanjing official did not issue a document, and the staff of relevant local departments also responded that "the documents have not been seen yet". According to market sources, "the policy of relaxing loan restrictions has been suspended."
Suzhou is a similar situation. The policy adjustment circulated in the market is that the down payment ratio for settling the second home loan (housing with no loan record, 1 suite with or without loan record) will be reduced from 50% to 30%, and the down payment for outstanding loans will be reduced from 80% to 60%. An employee of a local bank in Suzhou said that the notice was received last Friday (August 12), but the bank has not officially issued a document for implementation. The down payment may be 30% or 40% after the loan is settled, and the details are also waiting for the documents.
At the same time, Wuxi has also adjusted the policy of "recognizing housing and recognizing loans". The local real estate agent in Wuxi told reporters that if the loan is settled before buying a house, the down payment ratio can be 30% or 40%, "40% is definitely ok"; If the loan is not settled, the down payment ratio is 50%.
The superposition of key words such as hot cities and centralized release makes the optimization of the policy of "recognizing housing and repaying loans" in the above three cities on the verge of trial. A local real estate person in Nanjing said that the current policy of relaxing loan restrictions has been suspended, probably because it does not want to attract too much attention. However, he believes that many cities will implement this policy one after another in the future, and more and more cities will follow suit. "Hot cities are still cautious in introducing policies, mainly because they are worried that the liberalization of credit will allow some investment and speculative demand to re-enter the market. However, judging from the current market situation, investment demand, especially the demand for speculative housing purchases, has been greatly reduced. "
Compared with the temptation of hot cities, non-hot cities are directly liberalized in the loosening of "recognizing houses and loans". On August 16, the plenary meeting of the self-discipline mechanism of market interest rate pricing in Fujian Province voted to pass the Implementation Rules for Adjusting Differentiated Housing Credit Policy in Restricted Areas of Fuzhou, in which the down payment ratio for applying for individual housing loans was adjusted from 50% to 40% under the condition that "there is a set of commercial housing in five districts of this city, but individual housing loans have not been settled"; Under the condition that "the non-registered population in the five districts of Fuzhou purchased the first commercial housing in the five districts and there were no outstanding personal housing loans", the down payment ratio for applying for personal housing loans was reduced from 40% to 30%.
Lianyungang City, Jiangsu Province directly issued a document on August 9, pointing out that for families who own a house and have settled the corresponding housing loans, banking financial institutions will implement the first home loan policy if they apply for loans to buy ordinary commercial housing again to improve their living conditions. This is similar to the policy of Zhengzhou and Lanzhou in the first half of the year to optimize the "recognition of housing and loans".
It may become a trend to adjust the "recognition of housing and loan".
What is "recognizing the house and recognizing the loan"? There is a mortgage record, whether there is a house under the name or not, and then buying a house is two sets. Take Beijing as an example. On March 65, 2065, 438+07, 65, 438+07, the "strictest" loan restriction policy was introduced, that is, residents who already own a house in the name of their families, but have mortgage records in Beijing, are all recognized as "second suites" when they buy a house again, and the down payment ratio is increased to over 60%, compared with 35% or 40% before. Since then, many cities have followed suit and started to implement "recognizing houses and loans".
"Recognizing the house and the loan" has greatly raised the threshold for buying a house, and directly shut out most of the rigid property buyers who have been replaced by "buying and selling".
Nowadays, with Nanjing, Suzhou, Wuxi and other hot cities as representatives, trying to loosen the "mortgage loan", Fuzhou, Lianyungang and other cities have even officially announced the optimization and adjustment. What does this mean?
Li, chief researcher of the Guangdong Housing Policy Research Center, believes that the adjustment or even withdrawal of "recognizing housing and recognizing loans" is a major focus of the recent rescue of hot cities, and the biggest advantage is to lower the threshold for buying houses. Under the policy of "recognizing both houses and loans", it is unreasonable for many people with loan records but no houses or houses but no loan records to buy two more houses, and the down payment is very high. This round of adjustment is conducive to meeting the housing exchange needs of improved buyers.
"At present, some cities still implement the strict policy of" recognizing houses and loans ",and it is determined that the down payment ratio of second homes and mortgage interest rates are high, which limits the release of improved housing demand. In the short term, it will be an important measure to promote the release of demand for improved housing by optimizing the policy of "recognizing housing and repaying loans" because of the city's policy. However, under the guidance of the general tone of "housing and not speculating", the intensity of policy optimization in hot cities may be controlled, and more policies for third-and fourth-tier cities may be more direct. " Chen Wenjing, director of market research at the Index Department of the Central Reference Institute, said.
In fact, on August 1 this year, when the central bank deployed the key work in the second half of the year, it mentioned that it was necessary to steadily resolve the risks in key areas, implement differentiated housing credit policies due to the city's policy, maintain the stability of financing channels such as real estate credit and bonds, and accelerate the exploration of new modes of real estate development.
In the eyes of the industry, differentiated housing credit policies provide space for local policy adjustment.
It is worth mentioning that the general tone of "staying and not speculating" remains unchanged, and the central bank and many cities continue to propose to maintain the continuity and stability of real estate regulation and control policies and not stimulate real estate in the short term. "For' sell one buy one' housechanging customers, the first home loan policy will be implemented, and there is no real estate speculation. For this kind of property buyers who have real improvement needs, we should implement a policy of inclined easing. From the trend point of view, it may soon see the nationwide cancellation of' recognizing the house and recognizing the loan', especially the policy of' selling one and buying one' recognizing the house and not recognizing the loan will land faster. The emergence of this policy signal basically means that the property market in hot first-and second-tier cities tends to be stable. " Zhang Dawei, chief analyst of Zhongyuan Real Estate, said.
It can release the demand for house exchange, and the industry says that "the transaction cannot be expected to be too high"
The property market data in the first month of the second half of the year has not improved significantly, which is also the main reason for the continuous loosening of property market policies in various places. According to the data of the National Bureau of Statistics, from June 5438 to July, the national commercial housing sales area was about 782 million square meters, down by 23. 1% year-on-year, of which the residential sales area decreased by 27.1%year-on-year; The sales of commercial housing was about 7.58 trillion yuan, down 28.8% year-on-year, of which residential sales decreased by 3 1.4%.
In this regard, if we let go of "recognizing houses and loans", how much sales can we bring to the market?
Meng Xiangyuan, vice president of Nanjing Real Estate Society, said that there will definitely be some effects, which will release some improved needs and make it easier to change houses or "improve"; But now the overall real estate market is not very active, and we can't expect the property market turnover to be too high at this time.
Li also believes that if the down payment ratio is reduced, the monthly mortgage repayment will increase. When the people are not particularly optimistic about the market expectations, the enthusiasm for buying a house is not high and confidence is insufficient. They are not necessarily willing to "leverage" to buy a house.
Beijing News reporter Duan Wenping
Editor Yang proofreads.