1. What do you mean by restricting purchases and loans?
1. Restricting purchases and loans is a policy for real estate. Nowadays, housing prices in many cities are high, and all kinds of real estate speculators are flying all over the sky. Restricting purchases and loans is to limit this.
2. Restricting purchases and loans is a policy issued by the government to control people's real estate, mainly to restrict people from buying two houses and speculating in real estate, with the aim of controlling the rise in house prices. We can split in two to deepen our understanding.
(1) purchase restriction: purchase restriction refers to restricting purchases and specifying the purchase quantity. A series of promotional measures taken by real estate developers to make their products obtain good sales performance are often products with special prices and reduced prices, which are commercial measures to prevent other business partners and the same industry from maliciously snapping up. Now it is normal to restrict the purchase of houses, which can not only meet everyone's demand for housing, but also prevent the development of housing and holiday property market, and at the same time avoid malicious real estate speculation by real estate speculators and drive up housing prices.
(2) Loan restriction: The purpose of loan restriction is to strengthen differentiated housing credit policies. For families who borrow money to buy a second home, the down payment ratio is not less than 60%, and the loan interest rate is not less than 1. 1 times of the benchmark interest rate. This is done to avoid blind loans to buy a house, to achieve reasonable guidance of housing demand, and to avoid excessive housing prices in some municipalities directly under the central government, cities with separate plans and provincial capital cities.
Second, why should the state restrict purchases and loans?
1. In the past twenty years, whether in active intention, such as real estate speculation, or passive intention, such as worrying about not buying now and not being able to afford it in the future, a large number of buyers have been selected in the market, which has obviously promoted the housing demand of the property market, so the house price has continued to rise during this period.
2. Under this circumstance, the state has introduced a policy of restricting purchases and loans, mainly for the following reasons:
(1) Reduce the heat of real estate and protect the interests of just-needed buyers. After all, most people need a loan to buy a house now. Some people don't even consider repayment after the loan, even if they can only eat instant noodles every month after the loan, they have to borrow money to buy a house. Under such circumstances, banks restrict loans to buy a house, and some people with insufficient ability will lose the qualification to buy a house with loans, which will reduce the loan burden of highly leveraged buyers in disguise and make the house really practical.
(2) The rapid rise in housing prices has intensified the polarization between the rich and the poor and increased social instability. The policy of restricting purchases and loans is also to stabilize society and avoid some big public pressure.
(3) The housing price rises rapidly, the secondary market and the tertiary market are profitable, and the proportion of government land sales profits declines, making it impossible to make a profit.
(4) Restricting purchases and loans is a means of real estate regulation, aiming at making the real estate market develop in a healthy direction and avoiding real estate speculation.
3. When will the purchase restriction and loan restriction be cancelled?
1, many friends are concerned, when will the purchase restriction and loan restriction be cancelled? Want to make a fortune through real estate. In fact, as far as the current situation is concerned, it is basically impossible to cancel the purchase restriction and loan restriction. Cities across the country will continue to strictly implement control policies, persist in controlling housing prices, and severely investigate and deal with illegal activities of development enterprises. At the same time, establish and improve the housing security system of "rent and purchase simultaneously" to ensure the effectiveness and effect of the real estate market regulation policy.
2. China, especially some popular cities, such as Shanghai, Beijing, Shenzhen, Guangzhou, Nanjing and Suzhou. Everyone is pouring in new talents and needs to buy a house to settle in this city. The purpose of implementing the policy of restricting purchases and loans is to protect the rights and interests of these people, prevent house prices from being inflated constantly, and help them buy houses.
3. It is basically impossible to cancel the purchase restriction and loan restriction, but it will be effectively relaxed according to market conditions in the near future, and the specific relaxation time needs to wait for official documents.
4. If you cancel the purchase restriction and loan restriction, it will be the same as the purchase restriction. It will not be abolished nationwide, but it will definitely be implemented in batches. Without relevant policy support and other guarantees, prices will definitely rebound in retaliation. After so many years of macro-control, the facts are clear, and the higher the adjustment, the higher the adjustment.
The above is about
What does it mean to limit purchases and loans? Why does the country restrict purchases and loans? I hope I can help you. Interested friends can also check it out.