Cancel the restriction of Ji'nan property market difficult problem, housing prices hope in the "loan limit" policy
in July this year, after the cancellation of the Ji'nan property market, the number of residential network signs increased sharply, and then gradually tended to calm. The housing price that originally hoped for the cancellation of the purchase price is high. After a new round of adjustment to the housing price, the housing industry once again turned to the "limited loan" policy.
just need to "break the ice" depends on the bank's face
"cancel the purchase restriction only, the housing loan policy is not adjusted, we still can not buy a house." Shortly after getting married, Mr. Lu said that his account was still in the field. The husband and wife of Mr. Lu have been working in Beijing after graduation, but the unit does not have the conditions to settle down. They are going to buy Suites in Ji'nan. One is the total price, and the two is the convenience for the children to go to school. After the cancellation of the limited purchase, Mr. Lu was still unable to lend, because Mr. Lu did not fill a year's social security certificate or tax certificate in Ji'nan. After consulting some of the buildings and banks, Mr. Lu felt very helpless.
at present, the first suite loan in Ji'nan is up to 5% of the benchmark interest rate, 60% of the second-hand housing down payment and 10% of the floating rate on the basis of the benchmark interest rate is still being implemented. In addition, non Ji'nan residents apply for loans and still have tax or social security years. "At present, the most important factor affecting sales is mortgage policy, and the restriction is still the second. Most of the customers need loans, and the loan policy has not changed, which has little impact on the market. The person in charge of the building that just needs the apartment, says. Reporters learned that the recent Qingdao bank for the first Ji'nan mortgage "loosening", the implementation of the first mortgage rate of 10 percent off, 10% in the benchmark interest rate, two suites up 10%, second-hand housing implementation of the benchmark interest rate. In September 2nd, the Bank of Qingdao reduced the first mortgage rate to 12% off, and the local policy of Qingdao stipulated that three kinds of talents, such as excellent talents introduced, enjoyed the preferential interest rate, but most of the banks still kept the original loan policy.
this, a joint-stock bank staff said that the bank or from the risk point of view to consider more, to avoid the risk of outsiders to Ji'nan fry, so give priority to local buyers lending, if it is a remote location, pure speculation of the concept of real estate, banks will not intervene.
improvement of the property is expected to "cancel the loan"
"to consult some of the customers have been limited, but from the occupational income analysis, mortgage repayment is not a problem." An improved housing estate consultant said that at the same time, the reporter found in the booking form of the sales office that 90% of the customers were living in the house, and only 10% of the other uses for business and investment were used.
Home Buyer Mr. Li now has two sets of houses, one is one room and one hall 50 square meters, the value is 350 thousand, the other is two rooms and one hall 70 square meters, the value is 500 thousand. "These two sets of houses are renting and selling appropriate, and have a loan record, I now want to buy a house with four rooms and one hall 180 square meters in the East, according to the average price of 9500 yuan, plus parking space, the basement, the total house price is about 2 million, now even sell the original two sets of houses, and can not loan."
as for the purchase of third housing units, many banks said they still could not lend. Insiders said that now the first suite Shoufu 30%, two suites 60%. If the third Suites cancel the loan, we have to see how much of the first payment, if more than 60%, the bank's profit is not high, the buyers think the loan amount is small, the loan is of little significance. But if there is a new housing loan policy, it will be consistent with the government.