Will house prices fall after the pneumonia epidemic in Shenzhen?
In the next 1-2 months, Shenzhen's property market will be very deserted, and house prices may drop slightly, but it is difficult to repeat the severe acute respiratory syndrome (SARS) crash in 2003, because the local government has the responsibility to stabilize house prices and there will be no sharp drop. If there is a decline, it will be a good time for Shenzhen, where the population has increased obviously.
1.In June, 5438+ 10, the interest rate of the first home loan in 20 cities was lowered month-on-month, and that in Harbin was reduced by 23 BP. 1 1 The interest rate of the first home loan in the city has increased. The average interest rate of the first home loan in Shanghai and Shenzhen was lowered by 5 BP. After the downward adjustment, the interest rate of the first home loan in Shanghai was as low as 4.82%, the lowest in nearly two and a half years.
Second, affected by the epidemic, on the one hand, people kept their doors closed, sales offices in various places closed, and activities such as opening and promotion stopped. Zero house inspection, zero transaction, zero contract signing, and the small peak of returning home to buy a house failed! According to the data of Zhongyuan Real Estate Research Center, since the end of June, 65438+ 10, the turnover of most developers has plummeted by 95% compared with the previous Spring Festival! On the other hand, the commencement date of most housing enterprises is extended to February 10, and the delay of project construction progress will inevitably affect the sales progress after the epidemic.
How to borrow money to buy a house after the epidemic in Shenzhen
First, understand the credit situation.
First of all, if you want to borrow money to buy a house, buyers must first check whether the personal credit information meets the loan conditions, and the inspection-free house is also optimistic. When they are ready to buy, they find that their credit information is unqualified and they are in a passive position.
Second, understand the bank.
Before applying for a loan, buyers can go to the bank for consultation, asking about the loan application conditions, interest rate, approval time and lending time, and then comparing them and choosing a bank with high cost performance.
Three. Information needed for loan preparation
1, ID card. If you get married, you need the ID cards of both husband and wife. Of course, if it is a joint name, you need more ID cards.
2, account book, note that in some banks, if you are not the head of the household, you should copy the information page and registration card of the head of the household.
3. Marriage certificate, that is, marriage certificate and divorce certificate.
4. Work certificate. Some banks have certain formats or certain elements. Please tell me the bank.
5. proof of income. Ordinary banks will require monthly income to be more than twice the monthly payment.
The above content mainly describes whether the house price will fall after the pneumonia epidemic in Shenzhen. After the epidemic in Shenzhen, introduce in detail how to borrow money to buy a house. The epidemic is getting worse every day, and it is certainly not a simple epidemic. In many cases, things change frequently, so you must know every detail of the real estate price, otherwise you will be in a state of loss.