The housing market has made two heavy messages. The housing provident fund will fully implement the loan business in different places in the future.
yesterday, central bank and the housing department, Qi Qi, issued a policy of relaxation and benefit of real estate. This is the 9 - 30 new deal last year and the market policy adjustment. The new policy of the central bank yesterday stipulated that the first suites of the non limited purchase cities (that is, the cities outside the four first line) fell to 25% from 30%, which was regarded as a big profit by many three or four line city developers. In addition, the Ministry of housing and other three departments issued a notice that the housing provident fund will fully implement off-site loan business.
Zhongyuan Real Estate and many other institutions analyzed yesterday that the two or three tier cities may have a boost, but too remote or suburban New District is difficult to benefit. First tier cities may be affected by the direction of policy and are also stimulated. Many housing enterprises, such as Pauli, Hengda and agility, are optimistic about the real estate market. The industry is expected to be more active in October, especially in a second line city.
down payment and drop "silver ten" may be
yesterday, the people's Bank of China issued the notice of the China Banking Regulatory Commission on further improving the differential housing credit policy. In cities that do not implement the "limit purchase" measures, the minimum rate of first payment is adjusted to less than 25% of the commercial individual housing loans for the first purchase of ordinary housing for households.
"the cities with greater policy impact should be the two or three line cities that are mainly in stock at the present stage," said Zhu Guang, a real estate researcher, in an interview with Nandu reporters yesterday. Release market demand again. "In fact, this regulation only reduces five points, and the absolute value is not high. For most non restricted cities, there is only 50 thousand to 100 thousand yuan. This part of the change has no obvious effect on stimulating buyers to enter the market. " Zhu Guang said.
a number of real estate agents told Nandu reporters that although the policy stipulates a number of reduction in the proportion of the first payment of the purchase, the actual implementation, to see commercial loans and provident fund loans specific conditions, can determine how much to enjoy the preferential. Before adjustment is provident fund loans, and the first time home buyers business loans down payment ratio has been maintained at 30%, is still in a strict state. A bank insider revealed that from the perspective of its own risk, the current real estate loans, especially the three or four tier city projects, did not dare to make too many discounts.
from the market perspective, the "golden nine silver ten" market has improved. Central Plains real estate research center statistics show that on September 1st -27, a total of 54 urban residential signed 210867 units, a slight increase of 0.43% over the previous month. China Index Institute yesterday told reporters to the south, in September, the average price of 100 cities housing continued to rise, rising 0.28%, or narrowing. The increase was 1.36% year-on-year, and the increase was increased.
including poly, Hengda, agile and other large housing enterprises during the eleven golden week, increased push push. Middle finger hospital expects that under the influence of "down payment" effect, housing supply and demand will continue to heat up in October, and the hundred cities price index will continue to rise steadily.
provident fund good "hard to implement"
yesterday, "combined boxing" returned to the provident fund policy is good, improve the actual loan amount. The official said that the housing provident fund in part of the area is tight and the size of the surplus funds is large. The Ministry of housing, the Ministry of Finance and the people's Bank of China jointly issued a foreign document in September 30th. It is clear that since October 8th this year, a number of measures will be implemented to effectively improve the efficiency of the housing provident fund, including the overall implementation of the difference. Land loan business.
"this policy is very unlikely to be implemented in practice," Zhang Dawei, chief market analyst at Zhongyuan Real estate, told reporters in Nandu.
according to the notice, the actual loan amount will be increased. At the end of 8 this year, the utilization rate of housing provident fund is less than 85% of the city. It is necessary to consider the local price level, the loan demand and the borrower's repayment ability, and improve the actual amount of housing loan for housing provident fund. At the same time, the foreign loan business is carried out in an all-round way. Conditional cities should actively implement housing accumulation fund personal housing loan asset securitization business, revitalize housing accumulation fund loan assets.
"the execution is very difficult, first of all, the common largest problem of the current national provident fund is the issue of quota. At present, the first set of the two sets of policies have been the most relaxed period of history." Zhang Dawei analysis, but to reach a down payment of 20%, for the current amount of provident fund is impossible, such as Beijing two sets of only 800 thousand yuan, in this case, the first payment of five Chengdu is difficult to buy a house.
it is worth noting that the positive role of the CPF in the industry is still in favor of the three or four line cities. At present, the amount of provident fund loans is different for different cities. Insiders familiar with the provident fund business to South reporters analysis, if it is a large city working small cities to buy a house, in fact, not necessarily in accordance with the proportion of large cities to deposit the proportion of loans. If you work in small cities to buy houses in big cities, the amount of provident fund is too small.
policy carding for a year to continue to stimulate the property market
the central bank again chose to release the new deal in September 30th, the intention to push the property market by the national national day in October is very obvious. Many developers are also pleased to recognize that the property market is indeed sustained by small and micro stimulation.
Centaline analyzed several rounds of regulatory policies over the past year, and concluded that it could be divided into five rounds according to the time point. First round: the policy of limiting purchase in all parts of the country. The second round: the adjustment of the central bank's purchase policy in September 30, 2014 and the reduction of interest rates. The third round: housing subsidies issued everywhere and the central bank's reduction again. The fourth round: the policy of encouraging self occupation and improving demand after March 30, 2015 is mainly based on the provident fund policy. The fifth round: in August 2015, the overlay of the loosening of the restriction, the reduction of the interest rate, the national policy of loosening the two sets of provident fund policies and the rescue of the Liaoning and other provinces, and the double policy stimulus of last night. "
" 2015, the real estate market policy environment on the basis of gradual easing in 2014 on the basis of further addition, the policy completely abandoned the 'regulation', 'suppression' and other sustainable years of the property market, but to 'stability', 'support', 'promotion' as the core orientation. Central Plains real estate to the South journalists analysis, this is due to the pressure of the macro-economic operation, on the other hand, the real estate market itself is facing the pain of the inventory stage. With the introduction of relevant policies such as finance, taxation, credit and provident fund, the sales situation of the real estate market has improved gradually in the first half of the year, and the volume and price have risen.