Wu Hao introduced that the Buyers after 95 have begun to enter the market. And in the purchase of loans, for the younger or longer buyers, the general demand for children to borrow, that is, parents and children to undertake the corresponding loan repayment responsibility. "Extended years will be good for their loans."
, however, Wu Hao believes that the benefit will only affect less than 8% of the people who need to buy a house. The overall impact on the market is relatively small, and other banks may not be able to follow up on their own circumstances.
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with the same view, Yan Yuejin, director of the Research Institute of IKE think tank center and Zhang Dawei, an analyst at Zhongyuan Real estate.
according to the impact of this adjustment, according to the Beijing business daily, Yan Yuejin believes that the policy is to take into account the age characteristics of the customers who are now buying and buying a house, the older, but the ability and the demand for improved housing, to get a loan. The 45 year old homebuyer can only borrow 25 years' loan in the past, and can loan for 30 years in the future. This is also good for this part of the middle-aged people. However, he pointed out that this is not the practice of stimulating the housing market, nor is it a sign of relaxation of the housing loan. More is the bank's own strategic and business considerations. This approach is also related to the current aging of the population in China, and the size of loans and loans that banks can serve will be increased after adjustment.
Zhang Dawei, said, for some of the elderly home buyers, can reduce the pressure of the monthly supply, extend the repayment cycle, may appear to be part of the 50-60 years of age to improve the household choice of relay loans, father and son joint repayments possibility. But at present, more than 90% of the buyers in the market are concentrated in the post 70- 80, so this policy has no impact on it. It is close to the retirement age to continue to borrow, and the buyers pay more attention to the change of interest rate discounts and the years of loan.