Ji'nan relaxed the first suite of public loan standard provident fund and was blocked by faster housing.
Lu network March 20th news of the national "two sessions" just closed, including Ji'nan, Guangzhou, Beijing and other places have been spread out of the public provident fund new policy news. Ji'nan, Shandong, in March 16th reaffirm the "first suite" standard, that is, 1 Suites repaid home loans and first payment is still the first set, at the same time down the first suite down payment, the purchase of 90 square meters of housing down payment ratio of 20%, 90 square meters above the first payment of housing is 30%. Prior to this, the down payment ratio of provident fund loans was 30%. After several days of fermentation, what changes have been brought to the property market of the provincial capital and the new government, yesterday, the reporter visited a number of sales offices, but found that most of the buildings are still "not happy" provident fund, whether the price or discount are more biased to the merchant loan buyers, and from the number of houses below 90 square meters, can be obtained. There are not many buyers for 20%.
the price of real estate pricing is
19 in the morning, the reporter came to a sale center in the north of the industrial north road. Compared with the Spring Festival, the number of the real estate buyers has increased obviously. In the half hour of the reporter, more than 10 buyers came to the sales office to see the house successively. "Now is working day, not many people, there are many talented people on weekends." A consultant told the reporter. "Now we buy a house, we have a one-time payment to enjoy 2% off, commercial loans to enjoy 1% off of the preferential measures, now buy is still more cost-effective." The property consultant enthusiastically introduced the advantages of the estate, but kept silent about the provident fund loans. When the reporter asked about the possibility of using the provident fund loan, the advisor replied: "the building of the building in September next year can be used by the provident fund loan, but it can't be used in December next year, and if you use the provident fund loan, some of the concessions are not to enjoy, about 300 yuan for each square meter. "." The property consultant calculated for the reporter, if the use of provident fund loans to spend 300 yuan per square metre, a set of 100 square meters of houses will be more than 30 thousand yuan. Coupled with the discount that commercial loans can enjoy, the total amount of housing used provident fund loans is 40 thousand yuan more than commercial loans.
at the same time, the home consultant strongly recommends commercial loans and explained to reporters the adverse conditions of the fund loan: "the fund loan is slow, the formalities are various, if it is a business loan for a week, it can be released, and do not run the bank without the customer."
the provident fund encountered
a sales center in the Austrian road. There are many customers coming to see the house, and the service of the advisers is very considerate. The consultant home consultant can use the provident fund loan, the advisers answered: "the first phase of the project can be used, the two project we have just received the pricing requirements of developers yesterday, can not use provident fund loans." The property consultant recommended several apartments to reporters, all of which are located in the first phase of the project, which can be delivered by the end of 2016. "Since the two phase of the project has not yet started, so according to the provisions of the provident fund loan, if you use the provident fund, you can only buy one period, we just given the two phase of the project yesterday, a set of more than 50 thousand yuan." The consultant said that, in view of the hot sale of the building, developers not only put out any preferential measures, but also made clear that the two phase of the project could not handle the fund loan.
reporters visited several sales centers in the provincial capital, and home buyers said they could not use provident fund loans outside the first phase. When asked not to use the reasons for the use of provident fund loans, more than the "two phase of the project is in construction, the main project has not reached more than 2/3 standards, so it can not use the provident fund loan."
Home advisor said, "these houses are not sold well"
the reporter found that the majority of the available provident fund loans are at the end of the first phase of the project. A real estate consultant told reporters: "as long as the main project completed more than 2/3 of the remaining housing availability, these houses are not good selling housing." In a sales center of industrial North Road, the apartment with a provident fund loan can only use a flat of 95 square meters, and other units can not use the provident fund loan. In addition, there are not many houses left in the apartment, and the floor is also the bottom or top floor that can not be sold well. In the Vanke new mileage sales center, the property consultant said that the first phase of the project was sold out quickly, with only ten units to choose from. "We can sell 40 houses a week. If you want to buy a house, you must hurry." The reporter found that the remaining ten sets of housing resources that can be used by provident fund loans, there is a set of special rooms, per flat meter price than the same type of other floors of 400 yuan cheaper, only because of the unit number of floor number is 4, so slow to sell.
property advisers suspected that the "trouble" of the "troublesome" home buyer loan limit of
it is understood that the majority of the sale of the city in the sale of housing has not been affected by the new government. Whether or not the price of late works is increasing, developers have agreed not to use provident fund loans.
the use of provident fund loans does not reduce the profits of developers. Why do most home buyers do not recommend the use of provident fund loans? According to a reporter's investigation, the procedures of the provident fund loan are more complex than the commercial loans. The buyers not only need to submit the materials needed for commercial loans, but also need to submit other materials such as single certificate, accumulation fund account and so on. Although the home buyers can help the buyers to deal with the procedures for the accumulation of funds, the submission of many materials needs to be made and sealed by the buyers many times. In addition, the upper limit of the public provident fund loan is 250 thousand yuan, and the balance of many young people's provident fund accounts is only a few thousand yuan. They can only enjoy 15 times the amount of loans that have been deposited in the fund account, which is a cup of water compared with the total amount of the purchase. Therefore, some people with too little surplus fund account also gave up the way of combined loan repayment while using pure commercial loans.
developers restrict the use of provident fund loans by homebuyers because the provident fund loans are too long. Mr. Qin, a consultant at the sales center, said, "the fund loan is too troublesome, and the customer often needs to submit two or three materials to be submitted. The developer will receive the remittance of the fund for half a year."
provident fund loans to buy a house without preferential benefits also calculate
about 100000
although many buildings have limited means to limit the use of provident fund loans for many property buyers, such as the need to use provident fund loans to buy a house, the housing price is often more than twenty thousand or thirty thousand yuan more than commercial loans, but journalists calculation Found that the use of provident fund loans to buy a house is still more cost-effective than commercial loans, under the same conditions, loans 30 years less to about 100000 interest.
a building in the east of the province to buy a set of 90 square meters of housing, for an example of a loan for 30 years, with a single price of 7300 yuan per square meter with the loan of provident fund, and a single price of 7000 yuan per square meter, with a single price of 657 thousand yuan and 630 thousand yuan, which is to say, with a provident fund loan. Buying a house is more than 27 thousand yuan more than a commercial loan.
but through the calculation can be found, if the buyer also paid 300 thousand yuan down payment, the need for the fund loan of 357 thousand yuan, the total of 30 years of interest of 256 thousand and 600 yuan, only a monthly payment of 1704.37 yuan. And if you use the loan, you need a loan of 330 thousand yuan. According to the current 5.9% mortgage benchmark interest rate, the interest rate is 374 thousand and 600 yuan for 30 years and 1957.35 yuan per month. Compared with the provident fund, more than 30 years more than 118 thousand yuan, and the total amount of 27 thousand yuan is not enough to fear.