The foreign guest house in Ji'nan is regarded as "two suites"
non local residents who can not provide proof of local tax proof or social insurance for more than 1 years, the new "ten articles" of April 17th stipulates "suspend purchase of housing loans", which has been strictly enforced by the branch bank of the province. However, reporters yesterday learned that with the implementation of the new standard of the third, second suite, most banks in the provincial capital have begun to relax their purchase.
a foreign purchase of "two suites"
part of the foreign buyers in the past two months encountered bank loans "problems", since the Construction Bank Shandong branch, the Bank of China Ji'nan branch has begun to strictly implement the "exotic home" housing loan restrictions. But yesterday, the provincial property intermediary told reporters that at present the two banks for "exotic home" loans have been loosened, to not provide more than 1 years of local tax proof or social insurance to pay non local residents, no longer blindly refusing.
reporter learned from the provincial capital bank that, according to the new three departments issued by the "notice", the bank's restrictions on foreign loans to foreign land have been looser, "considering the real self - housing needs of foreign people." According to the introduction, according to the requirements of "ten new countries", "non local residents who can not provide more than 1 years of local tax proof or social insurance to pay proof are suspended to purchase housing loans." In the three sector of the "notice" the relevant expression is changed to: "can provide more than 1 years of local tax certificate or social insurance to pay proof of non local residents" for the first time to apply for the use of loans to buy housing, "if the house registration information system in the place where the house is to be registered, the family has registered a set of housing (and above) complete set of housing. "" and "non local residents who can not provide more than 1 years of local tax proof or social insurance to pay proof," the application for housing loans are "implemented according to the differential housing credit policy of second sets of (and above)".
at present, the Bank of the provincial capital has generally implemented loan policies for households with second sets of housing loans: the rate of first payment of loans is 50%, and the loan interest rate is 1.1 times that of the benchmark interest rate.
the purchase of the real estate market has made the property market worse
first suite to increase the first payment, two suites loan interest rate increased, a series of new loans in April, the property market for a month "winter". Foreign buyers to provide relevant proof, or not to give the loan related policies, not in the full implementation of all commercial banks, but also let a large number of exotic home buyers, the property market worsened.
source: (http://blog.sina.com.cn/s/blog_65c5f99e0100k6ta.html) - foreign guest house in Ji'nan is regarded as "two suite" The introduction of new loans, some of the real estate passenger flow, which is almost supported by foreign guests, has dropped sharply. In the interview, the reporter has also frequently encountered the case of a house buyer who has signed a purchase contract.
statistics from the Ji'nan branch of the people's Bank of China show that in the past 14 months, the Shandong housing loan, which has created a new high in the past 14 months, has only increased by 7 billion 400 million yuan in the past May, and the ring has increased by 1 billion 700 million yuan.
policy changes have been rejoiced with
but provincial banks at the same time told reporters that the foreign loan purchase policy "from the suspension of loans to the two suite policy" does not mean that the property market policy is completely "loose", because the first payment of the two suite is 50% and the interest rate is 1.1 times. The standard is also a high cost for speculators.
Gao, manager of Huitong Hong Lou store, told reporters that "from April onwards, the house will not sell well." The original foreigner loans to buy a house to provide more than 1 years of local tax proof or social insurance to pay proof, otherwise can not loan, now the policy can loan nature is a good thing, but 50% down payment and the benchmark interest rate of 1.14 times the two suite loan interest rate is also a threshold.
urban easy to live Ming Lake branch manager also told reporters, before some banks did not implement a strict foreign loan policy, some home buyers some first paid 30%, a common repayment or guarantor can buy a house in the provincial capital. Another real estate agency manager told reporters that a few days ago they had just handled a home loan from a foreign customer. The customer had a set of real estate in Xi'an, a loan to buy a house in Ji'nan, the bank "open eyes closed eyes", or the first suite loan procedure in accordance with normal mortgage. "If banks really unite, according to the relevant policies of the two suites, it will definitely block a group of loan customers".