house prices are increasing, and ordinary buyers are increasingly relying on provident fund loans. (Cui Rongjie / Cui Rongjie)
Article / newspaper reporter Cui Rongjie
the housing provident fund management center of Ji'nan issued a notice on Further Strengthening the management of housing provident fund loans to the entrusted banks and sub centers on 30 September. The gold loan policy has been greatly adjusted. The first payment of the provident fund loan from 20% to 30% makes the "loose" environment of the provident fund loan no longer exist, and the Ji'nan real estate market policy is tightened again. At present, the policy has begun to implement, the reporter learned in the interview that this policy has the greatest impact on rigid demand and improved home buyers.
[b] is part of the buyers very depressed [/b]
"work for 5 years, saved nearly 20 million dollars, the original thinking of provident fund loans to purchase a set of 90 square meters of the house, the first pay increase, and to raise money, can also buy 2.?" I heard that from October 1st, the first payment of the provident fund loan has been raised from 20% to 30%. Mr. Zhao, who works in a business unit of the source street, was depressed. "I knew the house was set in the first two months, but it was found that the house price was high, and it was not determined to make it."
Mr. Zhao said, in this way, many of his plans are going to change, including a house to rent a little more time, and the main thing is to go around to raise money to make him headache, since all the ways he can think about have already been thought out.
in fact, these two days feel that the "headache" buyers are not only Mr. Zhao. In the new policy of the accumulation fund, the borrower and the spouse still have the balance of the commercial loan when the borrower applies for the housing accumulation fund loan. The balance of the original commercial loan and the housing provident fund loan amount of this application should be combined to calculate the debt repayment ability of the loan. This has led many of the improved home buyers' housing schemes to be disrupted.
Mr. Liu bought a house in the north of capital city in 2006. At that time, because of his small amount of the provident fund, he could only buy it with commercial loans. After four years, the loan of 190 thousand yuan has not yet been paid back.
this year, looking at the balance of its provident fund has been much more, after consulting can borrow 500 thousand, think of the southern purchase of a house to improve the housing conditions of Mr. Liu carefully selected, in the sunshine new road near the selection of a set of housing, want to use provident fund loans to buy.
"but now, according to the new deal, I have to remove 190 thousand of the commercial loan amount, only 310 thousand of the provident fund can be loan, the purchase plan may have to be adjusted, even if you can borrow more commercial loans, I also feel that the monthly burden has increased a lot, not too much to hand." Mr. Liu said that after consulting with his wife, he decided to wait and see.
[b] another "loophole" is blocked by [/b]
[b] provident fund loans will "cool" [/b]
for the new policy of this Ji'nan provident fund, many industry people think the regulation is very thin, the property market regulation policy "loopholes" further blocked.
sunshine 100 customer director Tao Xiaozhi believes that the new deal is very systematic, so that many people who want to exploit loopholes will have no chance.
for example, for provident fund loans, there is no concept of two suites, some people will use this point to invest in real estate. If one buys a house and the first house is used for commercial loans, the first payment and interest rate can be enjoyed, and then in the case of no commercial loan repayment, second sets of houses are used for the loan of the provident fund. Although it is the second set of houses, the upper limit of the first payment of 20% and the maximum amount of the loan can still be enjoyed. And the low interest rate of the provident fund. Then he sold the house and returned the provident fund loan, and then used the provident fund loan to buy a house.
"not now, the first payment is up to 30%, and then your commercial loan has not been paid off to offset your amount, so the cost of buying a house is greatly improved, and many people have to give up this practice." Tao Xiaozhi said that in the new deal, there are also new regulations such as the down payment 50% in Ji'nan, which all play a very good role in the market.
reporter learned in the interview that after the introduction of the national mortgage new deal in April, the proportion of bank loan first payment and the loan interest rate have been greatly improved, making the housing fund loan more popular.
data showed that the total housing provident fund loan of the city in August was 3 billion 13 million 777 thousand yuan, up 19.5% from the same period, and the amount was 1 billion 589 million 255 thousand yuan, with an increase of 35.5% over the same period.
industry insiders say that the implementation of the new deal will cool down the provincial provident fund loans. What is the impact of
[b] to see the proportion of provident fund loan customers [/b]
, so the implementation of the fund loan related new policies on the impact of the sale of real estate? Reporters learned in the interview that it depends on the specific circumstances of the real estate.
"our real estate provident fund loan customers have about 10%, so the impact is relatively small." Liang, a marketing director at the eastern part of the provincial city, said.
and the South's marketing director, said that their real estate customers, pure provident fund loans and provident fund, commercial loan "mixed loan" account for more than half of the customers, therefore, the impact on their property will be very big.
"all customers who buy our house require commercial loans, so they have no impact on us." The sales staff of a building in the east of Huayuan Road said.