daily daily
the property property market is more lively, buyers should be cold Quiet. Reporter Cui Rongjie
8 days is the first day after the first day of the National Day holiday, is the new deal that has been paid more attention to the floor of the housing loan? On the same day, the reporter conducted an interview survey on the above issues. Some experts remind that buyers should not enlarge the impact of the policy because of the impact of development enterprises.
the new government bank has not begun to implement the
National Day during the National Day festival, the reporter learned in Ji'nan many real estate interviews, the new policy of housing loans before the festival has become the most concerned problem of the buyers. September 30 day out of policy, 8 days after work. Many real estate staff responded to the purchase of the public at that time.
a house staff member in the vicinity of Austrian road has previously expressed the news of the implementation of the new regulations on the 8 day, but on the 8 day, the building staff said they had consulted the bank, and the relevant policy provisions had not begun to be implemented.
the first day after the festival, all the banks must be studying the policy. Today (8 days) does not carry out is normal (the new mortgage regulations landing Implementation) is also an estimate of these days. Sunshine new road near a real estate staff, the loan is still in accordance with the implementation of the old policy.
the east part of the city of a residential building staff introduced, 8, early in the early morning to each of the cooperative banks to call, but the banks have not received adjustment notice, and are still in accordance with the old policy. Relevant person in charge of the real estate market, because it is an improved property, many customers are the two home buyers, so the implementation of the policy has a greater impact.
he said, for example, the purchase of the property of a 90 square meter house, the total price of about 1 million yuan. According to the current loan policy, the first payment should be paid 600 thousand yuan, and according to the new policy, if the first suite loan is paid off, the down payment only needs to pay 300 thousand yuan. They also have three customers who are unable to make loans according to the old policies. According to the new policy, banks can decide whether to provide loans according to the actual situation.
30%
after a new loan policy was issued by the central bank, some developers showed a rising price. During the national day, many real estate buyers said that during the national day, they would not buy a house, but they would have to raise their prices after the holidays.
reporter learned in the interview that a number of buildings have been canceled during the 8 day of the national day during the extra concessions, the price return to the National Day holiday preferential margins, although claims to rise, but there is no real action, behind the blow, is the developer's view and quickly delineate customers.
many property buyers worry about rising housing prices, hoping to set prices at current prices, but developers have yet to get new lending policies from banks. Reporters 8 in the interview to understand that many developers take only to accept the first payment, not to do loans, and even some developers all charge 30% of the buyers, suspension of loans.
we have three banks, the Bank of China, the Bank of China, the Bank of China, and the Central Bank of China. Since the day after the festival, we have not yet received the bank's detailed rules for the implementation of the new loan policy. The buyers can first pay the first payment, and do not do the loans. 8, the Second Ring South Road near a building staff told reporters that we now all home buyers are down to pay 30%, but all temporarily do not handle loans, just let them go back to prepare money for the material.
so many people have paid the first payment. What if the future policy can't be done? The staff is very confident: the central bank has issued documents and it has not been implemented for many days.
we can delay the loan for more than 20 days longer than the original time, so the new policy will definitely come down. By the staff of a building near the ten East Road, before and after the national day, some two suites, including three home buyers, are rushing to the new loan policy, but they are now unable to deal with them.
a real estate near Austrian West Road reminds you that you can pay the deposit, and then the loan will be discussed slowly. In the
interview, there are also some real estate developers who are cautious about this. You have to think clearly about this matter. If you pay the down payment, you can't go back. In case of the new deal, there will be problems. A real estate salesperson near Hong Jia Lou reminds.
industry reminding the lowest thirty percent off mortgage interest rate unrealistic
10 month 8, the reporter learned in the interview, the recent time many buyers moved the mind, mostly because of the central bank policy in the first suite of interest rates can be thirty percent off of the minimum, while many buildings in the sale of the house, also stressed to the buyers stress. That's the point. However, insiders and experts warned that the move was "excessive enlargement" policy.
for the future housing loan new deal, many industry people believe that the purchase of second suites as long as the repayment of the first suite can continue to be implemented according to the first suite should be implemented without problems, but in the first suite of mortgage interest rates can not be too high expectations.
Sun Dahai, the Shandong University of Finance and economics, believes that the central bank's policy requires provinces and municipalities to determine the rate of mortgage loans according to their own circumstances, which is in line with the current market situation.
specific to Ji'nan, Sun Dahai believes that the major banks lack the "full implementation" of the largest interest rate discount power. He pointed out that the number of residential buildings in Ji'nan doubled in recent years, from dozens to more than 100 items, but housing project loans were eventually "aggregated" to the strong banks. As the total amount of bank loans will not increase significantly, the probability of mortgage interest rate in Ji'nan will not reach thirty percent off. At the same time, there is less than two months away from the end of the year. According to the general situation, the lending volume of banks will not be enough at the end of the year.
"mortgage interest rate lower than ten percent off can be quite good." Sun Dahai said, of course, it does not exclude the possibility that individual small banks will be able to lower the interest rate further in order to seize market share, but in general, the expected margin of the mortgage interest rate will not be too large.
the owner of a sale in the east of the province told reporters that although the relevant rules have not been issued, but in the process of communication with the bank, the bank said thirty percent off may lose money, it should be able to hit ten percent off.
"if you can hit ten percent off, it will save a lot of money on the basis of 5% above the benchmark interest rate of the first suite." The person in charge said.
reporters in the interview learned that many buyers in order to prevent future price increases, are first deposit and down payment, and then wait for the loan policy landing. Liang Wei, the city's senior real estate personage, reminds us that once the money can not be returned, if it can not be carried out in the future, or can only reach 10 percent off, many buyers will not be able to anticipate and bear the mortgage policy, and some buyers will be in a "dilemma".
others think that some developers in order to achieve the purpose of selling the house as soon as possible and increasing the price in the future, there is a phenomenon of "Magnifying" policy, so it is suggested that buyers should carefully consider the maturity before buying a house.