source: Qilu Evening Newspaper
April 19th, Ji'nan issued an upgraded version of the purchase policy. Local people buy two suites up to 60%, outsider first suite first payment is also raised to 60%, the first proposed limit for the sale of the first two sides can be listed on the market, both to recognize the loan and the housing, Zhangqiu and Changqing also included in the limit, these "big trick" can be called the Ji'nan "the most strict" limit purchase policy. Then, these "big trick" after the release, what will the local people, outsiders and fried tenants like?
a sales office in northern Ji'nan, some buyers in consultation. Qilu Evening News, Qilu one point reporter Liu Shuai Tang Yuanyuan took
local people.Gt;.Gt;
people will reduce
Ji'nan this round of the new round of purchase policy, for the Ji'nan local population to buy the first suite, without adding new restrictions, the current 30% policy is still in the first payment. The new deal has little impact on this part of the people. However, the new restriction policy has a relatively large impact on Ji'nan citizens who want to buy two suites or are ready to change rooms.
Ji'nan's new purchase policy requires that the household registered households in Ji'nan have a set of housing or housing loan records. The application for housing loans is considered to be second housing loans, the proportion of down payment is increased to 60%, of which the maximum year limit for commercial mortgage loans is shortened to 25 years, and the interest rate of the public deposit is 1.1 times that of the benchmark interest rate. An intermediary company in charge of Ji'nan told the Qilu Evening News reporter: "at present, the loan not only recognised the house but also the loan. In the past, the house buyer changed the house and sold the house again. The first payment was only 30%. Now, as long as there is a loan record, it will reach 60%. Those who sell their houses and change their houses are really under great pressure.
the increase in the down payment ratio has really increased the pressure on buyers. Relatively speaking, provident fund loan interest rate to implement the benchmark interest rate of 1.1 times, the pressure on buyers is not too big. For example, the total price of the two suite purchased by two people is 1 million 500 thousand yuan, the first payment is 900 thousand, and the two people use the fund loan of 600 thousand yuan. If the base interest rate is in accordance with the basic interest rate, the total amount of the repayment will be 816761.9 yuan. The total amount of repayment will be 795812.5 yuan in accordance with the same amount of principal repayment. After the interest rate has risen 10%, the total repayment amount will be 815393.75 yuan in accordance with the repayment method of the equal principal amount. In accordance with the equivalent repayment of principal and interest, the total amount required to repay is 840702.33 yuan, and the higher part is not too much. The person in charge of the afore-mentioned intermediary company, Ji'nan, is introduced.
.Gt;.Gt;
"want to buy big, only to settle first"
the above intermediary company said, "the new round of purchase policy will have a great impact on the people in the economy, for example, to buy a 1 million 500 thousand yuan house, originally only to take 450 thousand yuan down payment, but now it needs a bit It costs 900 thousand yuan, which is really stressful for an ordinary family.
Wang Lili, who is 28, worked in Shanghai after graduating from university. Because of the high housing prices and high consumption in 2015, she came to Ji'nan to work in Shanghai. Wang Lili introduced that in March 2016, she planned to buy a 90 square meter new house at the southern end of hero mountain road in Ji'nan, with a total price of 830 thousand yuan.
"first paid 20% of the deposit, signed a simple agreement, when the real estate consultant told me that in May and June, you can sign the net." But in June 2016, the real estate consultant told her that she could sign the Internet next month. "This has been delayed until now. From the beginning, I told me that it was related to the high voltage line. Now I promise to start work in May this year and sign it online in September, but I dare not believe it. " Wang Lili said.
but Wang Lili's concern is that the down payment she needs to pay now is constantly improving. "I pay two thousand or three thousand yuan a month, the first pay is also parents, the end of the purchase policy at the end of last year, the minimum down payment ratio from 20% to 30% can still be accepted, but now to 60%, I do not have the ability to gather together. I had planned to settle down by buying a house, but now I can only think of how to get the account to Ji'nan first, but this is not easy and difficult. Wang Lili said. Like Wang Lili, other owners of the property market feel that the restriction policy is a little strict, and hope that the real estate developers can coordinate them.
account of Zhang Li (the name of Zhang Li), who has been working for years in francisis, said he had just looked for his girlfriend this year to pay 600 thousand yuan and prepare for a large loan, but now he can only buy a small package. "If I want to buy a big one, I can only try to move the account to the unit's collective account, but my home residence in Zibo is a village in a city, and every year the village will enjoy a certain welfare, so it is very difficult to give up, it is really tangled."
.Gt;.Gt;
"no, no, no, no"
and for the house speculators, after the new deal was introduced, the way to resell the house by changing the contract was blocked.
(alias) as early as five years ago, bought a house in Tianqiao District, living on its own. In the next few years, by the understanding of the real estate market, Zhao Qiang successively in the region, in the middle of the city through the way to change the contract, "fast buy fast sell" three sets of real estate. At the end of last year, with the continuous warming of the housing market, Zhao Qiang, who had some spare money and was optimistic about the market, would like to enter the market again to purchase another house. "At that time, I felt the property was good, and the developer's brand was big and the environment was good. Bought is mainly for investment, if not sold, I live comfortably. "
Zhao Qiang said, therefore, at the end of last year, on the day of the second limited purchase policy in Ji'nan, he took a set of 130 flat houses in the three rooms, two rooms, two hall and two guards in the calendar. "At that time, the price was not expensive, and many people were rushing to buy it. At that time, he paid 40% down payment for the value of 1 million 300 thousand of the property. According to Zhao Qiang's original plan, the property can be sold again by changing the contract to earn the difference of 250 thousand in the middle. After
less than half a year, Zhao Qiang found a buyer for the property, but in these days he was told that the way to change the contract could not get through. "Last month, a friend of mine also converted a suite by changing the contract, and now it will not work." Zhao Qiang said that although Ji'nan had a "ban on speculation" since last year, the real estate business still has a phenomenon of secretly changing the contract. "Now that the state is getting stricter and stricter, no developers dare to break the rules."
feeling that the developers are "playing" a lot of Zhao Qiang is very angry, but also helpless. Now, the two houses in his opponent are very contradictory. They are worried that they can not sell the good price, and they feel that the cost of buying the house is higher. Zhao Qiang said that if he wanted to leave second units, he would have to pay 20% more down payment. If this property is regarded as an investment, the investment time of Zhao Qiang's property will be extended to four or five years because of the new rule that the property certificate must not be traded in two years. "All kinds of costs are increasing. We must wait and see. Now, we are not going to go on. Zhao Qiang said.