Deed business tax double drop Shandong Ji'nan second-hand housing sound price rises
since February 22nd, in addition to the other areas in the north and abroad, the two suites have preferential policies for the deed tax and the business tax respectively. Insiders believe that this policy will cause a new round of second-hand housing trade climax. However, from the perspective of real estate agents, the impact of this policy has begun to appear due to the low season of real estate transactions during the new year.
in terms of bank loans, the policy of 20% of the lowest down payment in the first suite was gradually implemented, and the bank was more "tolerant" to buyers for the first time. However, for second-hand housing, personal loans still exist room age, surrounding environment and other conditions.
second hand housing loans to limit the age of multiple housing, supporting all have
"the price of horse rise up, light our shop has two days have been settled in the 4 suite." In twenty-first Century, the small thinner of the 100 stores of the real estate Sun told the reporter that the deed tax and the business tax adjustment policy came out, and the customers who did not buy the selling house before they were young allowed him to calculate how much money it could save. "Once I heard that I could save a lot of money, the price expectation went up." Xiao Bo said, there is a 118 square meter house customers, the price of 1 million 300 thousand yuan before the Spring Festival to hang online for more than a month, has not been sold on the 21 day, the owner said the price rose to 1 million 330 thousand yuan, "this price, this afternoon there are two people, the property market is like this - bullish not bearish."
however, in the long run, the effect of this policy has not yet been released. A real estate agency staff said, "after all, according to the usual practice, during the Spring Festival is the low season of the property market, the impact of the new policy is great, we have to wait and see."
in terms of personal housing loans, the restrictions on second-hand housing are more stringent than those of new ones. Qilu bank, construction bank, agricultural bank request the same, the secondhand house individual loan, request the age and the loan term and not exceed 50 years Chinese bank to request the mortgage after 2000, but the location of the school room can be relaxed to 1996, 1997, CITIC Bank said, second-hand housing management For housing loans, the school room is required for no more than 20 years, and the general requirements of the house for 10 or 15 years are also required to be relatively loose for the age of 20 years, and the age of the house is within 30 years.
in terms of loan interest rates, the policies of the banks are in line with the new housing policies for the second-hand housing, and most of the high quality customers with good credit can have a 5% off discount.
Li Tiegang, director of the real estate research center of Shandong University, believes that the new deal is dense, and more is the direction that will lead the market to policy expectations in the future. The purpose of the new deal in the property market is to go to stock, but it does not mean that the current trend will be reversed immediately. In the long run, it is to promote the stable development of the real estate market.
joint-stock commercial banks follow up the 20% new deal
February 2nd. The "central mother" went to the stock market for the first time. In the city where the "limited purchase" measures were not implemented, the residents' families bought the commercial personal housing loans for the first time for the first time in ordinary housing. In principle, the proportion of the minimum down payment was 25%. The float is 5 percentage points.
in February 22nd, 20 days after the new deal was released, reporters visited many banks in the country. "We have been informed of the new deal last week." Construction Bank Shandong branch business department personal loan center responsible person introduced, for no room and no loan records, first home buyers, the first payment of the minimum 20% for loan records, but the loan has been clear, the name is also no real estate customers, then can not enjoy the first payment of the policy of 20%.
, according to the person in charge of the Ji'nan warrant Department of the second hand housing business group in the world, a number of banks in the service of housing loan have begun to implement the new policy of housing loans, including China Merchants Bank, Ping An Bank, Guangda bank, Qilu bank, industrial and commercial bank, construction bank, postal savings bank, Agricultural Bank and so on. The head said that although the proportion of down payments fell, the bank would set the threshold, depending on the customer's circumstances, not all buyers could enjoy the policy.
, the Bank of Everbright Bank for the first set of ordinary housing for the purchase of 140 square meters, the first payment of the first 20% payment in proportion to the non loan record of the bank to perform a first payment ratio of 20%, the loan has cleared the customer, the first payment proportion according to 25% of the Qilu bank for a house without loan records customers, or loan Customers have been cleared, the down payment ratio is 20%, and the customer's down payment ratio has not been settled according to 30%. In the
state-owned banks, ICBC, the Agricultural Bank and the Construction Bank have begun to implement the new housing loan policy. In addition, Bank of China, Societe Generale, Pudong Development Bank and Minsheng Bank will implement the new housing loan policy in the near future.