The second suite is recognized as "recognizing the house and recognizing the loan"
The Notice adjusted the deposit conditions for loan applications. When applying for a loan, the deposit time is changed from the original "the borrower should set up a housing provident fund account 12 months, and pay the full amount continuously before applying for a loan 12 months (6 months for purchasing policy housing)" to "the borrower should pay the housing provident fund continuously for more than 6 months (inclusive) when applying for a loan".
The Notice requires further implementation of the differentiated loan policy.
First, the standard for determining the number of housing units has been adjusted from "recognizing housing without loans" to "recognizing housing without loans". "House" refers to the house in Beijing under the borrower's name, and "loan" refers to the nationwide commercial housing loan records and housing provident fund loan records in the personal credit information system of the People's Bank of China. Divorced after March 24, 20 17, and divorced less than 1 year when applying for a loan, the original policy is still implemented, and the second set of housing loan policy is applicable.
Second, adjust the down payment ratio and the maximum loan amount of the second suite. In order to increase the support for employees' basic housing needs, ensure that housing provident fund loans are mainly used to guarantee the first-time purchase and policy purchase needs, and guide employees to improve their purchase needs mainly through portfolio loans, and adjust the down payment ratio for purchasing affordable housing from a unified 20% to a classified 20%; 30% down payment for the first set of housing other than affordable housing; To buy a second house, the down payment is 60%, and the maximum loan for the second house is reduced from 800,000 yuan to 600,000 yuan.
The notice also adjusted the loan term and the monthly repayment ceiling.
In order to strengthen risk prevention and control, the loan term of the loan applicant can be adjusted from the longest calculation to the 70-year-old of the loan applicant to the longest 65-year-old; The upper limit of monthly repayment is adjusted from "after the borrower and spouse repay the loan every month, the per capita living expenses retained shall not be lower than the Beijing basic living expenses standard" to "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 means of equal principal and interest repayment shall not exceed 60% of the borrower's monthly income."
Institution: Oppose real estate speculation.
20 16, 17. In March, Beijing Commercial Loan requested "house recognition and loan recognition"; On September 20 18, the Beijing municipal provident fund issued a new policy of "recognizing houses and loans". After each deposit 1 year, the loan is10.2 million yuan. Only the state-managed provident fund is still "recognizing the house but not the loan".
In mid-March this year, it was widely rumored in the market that Beijing State-managed Provident Fund would implement the policy of "recognizing houses and loans" from March 19. In response to this rumor, on March 18, the staff of the Beijing National Provident Fund Service Hotline said that they had not received the relevant notice.
Now, the boots have landed.
Zhang Dawei, chief analyst of Zhongyuan Real Estate, believes that since the market speculation has been tightened before, the direct impact of the policy landing on the market is not great, but it will definitely affect the sustainability of Xiaoyangchun from the psychological level. It will have a great psychological impact on the Beijing property market that has recently picked up.
According to the data of Zhongyuan Real Estate, as of April 1 1, 4,850 sets of second-hand houses in Beijing were signed online in April and 1605 1 in March, both of which were at the high level after regulation. The tightening of state-controlled provident fund in the second half of March did lead to the early release of some state-controlled provident fund demand.
"The last bus in the next few days is expected to run at a high level. However, under the tightening of the state-controlled provident fund, including the supply blowout in areas such as Qinglong Lake, Xiaoyangchun, which just got up in the Beijing property market, will soon be hit. " Zhang Dawei said that it is expected that in May, if there are no other credit easing policies, the Beijing property market will probably be lower than that in March-April.
"This policy adjustment is the orientation of policy tightening, which reflects the management and control ideas of the current provident fund policy. The core part is the provident fund loan' recognition of housing and loan'. " Yan Yuejin, dean of Shanghai Yiju Real Estate Research Institute, said that the policy of strengthening the examination of buyers and preventing speculation in the property market will help families without housing and loans to buy houses.
Jaco, chief analyst of 58 Anjuke Real Estate Research Institute, believes that the new provident fund policy has further raised the threshold for the issuance of provident fund loans, adding provisions such as "the account can be continuously deposited for more than half a year before applying for loans", "the second home can be recognized for loans" and "the second home can be loaned up to 600,000 yuan", which is obviously aimed at real estate speculation in the market. Moreover, while raising the threshold, it once again emphasizes that policy housing will not be affected. In the future, the provident fund will be invested more in affordable housing, property housing, talent housing, public rental housing and other fields, which is consistent with the trend of "staying without speculation" and increasing investment in policy housing and public rental housing that just need attributes in recent years.