Shandong commercial newspaper reporter Zheng Xinru
[although Ji'nan's limited purchase policy has been cancelled, the major state-owned banks said they have not received a notice of the adjustment of the mortgage policy (information)]
although the Ji'nan limited purchase policy was cancelled, the major state-owned banks said it had not been
The state-owned large bank has not received the policy adjustment notice
10 days, Ji'nan completely abolished the purchase policy of the property market, the city's household registration is no longer subject to the "limited two ban three" influence, can buy more than 3 sets of housing, non local household registration does not provide more than one year of tax or social security proof, can direct purchase, and the purchase of the number is also not There is another restriction.
the abolition of the property market restriction, so that many potential buyers moved. A joint-stock bank Quancheng Road Branch Li customer manager said, "today to consult the Ji'nan limited purchase policy, and two suites of the loan more customers, generally no one in the past, but this afternoon, there are four or five people to the network." During the interview, most state-owned big firms said, "at present there is no mortgage adjustment policy." But the bank insiders also think, "even if Ji'nan cancels' the loan limit 'will not be so fast, the loan policy adjustment is expected to have some time, at the same time, the Ji'nan loan policy provincial branch is also to report to the general bank to see whether the bank will give more amount and whether there will be a regional policy, the results are very difficult to say."
a few joint-stock banks reopen the mortgage business
in addition, a state-owned large bank of Ji'nan branch related people also disclosed, "now we have not made the first mortgage for about a month, the future may specialize in the two suite of mortgage, its interest rate is the benchmark interest rate floating 10%, compared with the first set of housing loans. The interest rate rises 5%, and banks prefer 10%. It is understood that the first down payment of the first suite in Ji'nan is at least 30%, the state-owned large bank of housing loan interest rate is generally floating 5% on the basis of the benchmark 6.55%, the shareholding banks are up to 10%, the first payment of the second suite is 60%, the loan interest rate rises 10%, but some state-owned large banks carry out the policy of down payment 50%.
, on the one hand, some banks began to actively aim at the two suite loan business, while on the other hand, several joint-stock banks have once again "picked up" the mortgage business.
interview, the reporter also learned that, with the bad debt rate of small and medium enterprises in the first half of the year is high, the number of enterprise "running sheet" increased, a few joint-stock banks began to pick up the once abandoned "chicken ribs" mortgage business. "Although housing loans earn less spreads, the stability is relatively strong compared with other businesses." Vice president of Shan Da Lu sub branch of a joint-stock bank, told reporters.
market reaction
the provincial capital of the province said that the price of
Ji'nan news (reporter) yesterday (reporter Zhang Yangyang) yesterday, the first day of the cancellation of the purchase of Ji'nan, the newspaper reporter found that many buildings have begun to promote the sale, even the real estate began to brew the price, but more Property is still on the sidelines, many housing prices responsible person said that only by lifting the restriction can not predict whether the market will turn warmer.
"are you interested in buying a house recently?" Did you hear about buying a house in Ji'nan? Our property is now being promoted. The price is very suitable. If you are interested, you can take a look. " On the afternoon of 10, this is Mr. Zhang's sixth sales promotion call. "The two days of the promotion phone has been received more than 10, especially today, each time the phone call, the home advisers will always say a sentence of the cancellation of the purchase, and to sell the market." Mr. Zhang told reporters helplessly.
"the limit of the purchase is cancelled, we are sure to increase the price after a period of time, the company has been studying the price of the matter, now is the last preferential time." A salesperson in the southern part of the real estate market told reporters yesterday.
reporter learned that the real estate is one of the few prices in Ji'nan this year. The sale price of the new opening project has dropped from nearly 8000 yuan per square meter to 7000 yuan per square meter at the beginning of the year. The reporter interviewed the marketing manager about the price increase, which said: "that is their guess. We don't have a price rise. We are not going to increase the price at the key point of the stage promotion."
, in addition, the "Guessing" property prices of property advisers are not in a small number, the West passenger station house property advisers said that the price will rise at the end of the building, and is now in the promotion period, can enjoy no small concessions. But when the reporter asked the price of the other property consultant, he said, "I haven't heard of it."
"look at it again. Just cancel the purchase restriction will not cause too much impact on the market. Changes in volume can explain the problem." If the volume is coming in these two days, we will also consider raising the price, but it is not yet. The head of a local housing enterprise in a provincial capital told the reporter.
a reporter found that many housing enterprises in the city did not have a price increase in the near future.
reporter visited
yesterday morning, the reporter came to the Ji'nan real estate trading hall, and a lot of people came to open the certificate of purchase, but when the window was handled, the staff were told that it is not necessary to carry out this procedure now. The reporter learned that, after the implementation of the limited purchase policy in Ji'nan, both the purchase of new housing or second-hand housing, must be opened before the registration of a "no room certificate", "in this certificate will show that there are several houses under the name of the buyer." Staff introduced that, in accordance with the previous purchase policy, the buyer opened the "purchase of housing certificate", the need to carry ID card, marriage certificate, account book and other certificates, not the city residence in Ji'nan to buy a house, still need to provide a tax or social security proof in a year. And from yesterday, whether or not it is the city's residence, can directly buy a house, no need to open the "purchase of housing certificate", if the purchase of new commercial housing, buyers in the sales office to see the house, can directly pay the money, no need to run a leg in the real estate trade hall.
not only is the new residential sign system, but also the secondary Housing Network sign system has changed. In Ji'nan, an intermediary company that authorized the online signature test, the reporter learned that the "restriction inquiry" in the secondary Housing Network sign system was also cancelled. According to the original system, the intermediary through the key "Ji'nan stock house online trading and capital supervision system", there will be three requirements: housing certification, contract signing, limited purchase inquiry. But after 10 days of staff login system, found that the "restriction enquiries" no more. Staff introduction, 9 nights after receiving the relevant notification system changes, now temporarily can not shop in the net sign. Reporter Zheng Xinru
news background
30%
in the first half of the first half of the year, Ji'nan housing security and Property Management Bureau announced the two quarter of 2014 housing registration, and the second half of 2014 Ji'nan second-hand housing market transactions, second half second half second-hand Whether the transaction number or transaction area decreased by nearly 30% compared with the same period last year.
data showed that in the first half of this year, 16662 sets of second-hand housing transactions were registered in Ji'nan City, with a transaction area of 1 million 224 thousand square meters, 27% and 30.1% year-on-year, including 14702 housing transactions, 1 million 149 thousand and 100 square meters of transaction area, 29.8%, 28.1% year-on-year.
from the administrative area, the 3196 sets of the Central District, the 2938 sets and the 2938 sets of the Tianqiao District occupy the top three, accounting for nearly 62% of the total volume, indicating that the second-hand housing transactions in the core area are most active.
for the two quarter figures, the year-on-year decline is more obvious. The two quarter of Ji'nan urban second-hand housing transaction registration 9131 sets of transaction area 669 thousand and 500 square meters, although compared with the first quarter of this year, an increase of 21.2%, 20.7%, but a year-on-year decline of 34.3%, 37%; of which 8124 housing transactions, the transaction area of 631 thousand and 400 square meters, compared with the first quarter of this year, an increase of 23.5%, 22%, down 36.5%, year on year, down 36.5%, 35.4%.
Xiong Liangding, general manager of Ji'nan Real Estate Consulting Co., Ltd., compared with 2013, in the first half of 2014, the trading volume of the second-hand housing market in Ji'nan did decline. The reason is that the high base number of last year, which was caused by the market concentration of "five countries", was consumed in advance, the influence of the economic environment and the tight credit policy, which directly weakened the purchasing ability of some buyers.