The tightening up of the new policy of Ji'nan provident fund
source: Qilu Evening News
Ji'nan provident fund new deal seems to be loose, but in general, the work time is not long, the accumulation fund of the buyers will face greater difficulties. But experts say the new deal will help stabilize market expectations and curb irrational demand. Down payment, is to guide the need to buy a truly suitable house, the policy is so "loose and tight" for the stability of the stable just need, and can also guide the developers to increase the supply of small and medium sized units.
developer: "gold nine silver ten" more extravagant
27 day, a real estate in Western Ji'nan is crowded with net signed, loan buyers, these people are anxious to take the last bus, so that the loan amount should not be reduced.
"if these people can not get approval before the implementation of the new deal, they will not be willing to check out." In addition to the urgent disposal of the house that has been sold, the person in charge of the building is also worried about the new property on the 29 day. The real estate price starts at 5500 yuan / square meter, and the working hours are not long and the provident fund accounts for less than 30% of the buyers.
"short-term impact on us is very obvious, especially the cancellation of the monthly payment calculation." The official said frankly, so that they expect the property market "golden nine silver ten" has been wasted. But in the long run, the impact can also be accepted. "Property buyers will adapt to the new regulations and buy them or buy them."
accumulation fund management center: policy tightening two reasons
the maximum limit of personal loans halved, loan reduction, this is not a need for the suppression? Ji'nan housing provident fund management center in charge of the person in charge, the policy adjustment is the implementation of the state regulation and control policy, the two is the accumulation of accumulation fund accumulation of tighter situation Next, let the workers who need more loans borrow more money.
"the current situation is that some people who pay less provident fund can have a large loan amount." The official said that the average deposit amount of the 35 people can only meet one person 500 thousand loan, and the surge in the loan amount of the provident fund has led to a tight loan collection.
the person in charge said that the new deal was tight and loose, and the adjustment was tighter. But for those who want to buy their first home buyers, the support for adjustment is increasing.
Home Buyer: down payment, the loan is not enough
for more than two years in Ji'nan white-collar Xiao Yin is ready to buy a house this year, his goal is two bedroom, the total price of about 700 thousand, set the house to find the object. Originally thought of provident fund loans 500 thousand, the family to support the first payment on the line. After the policy adjustment, although the down payment fell to 20% to 140 thousand, the amount needed for loans was 560 thousand, and the personal loan ceiling was reduced to 250 thousand.
raise the down payment, not so much money, use the combination loan, according to the rule, the down payment will be changed back to 30%, the purchase plan can only be temporarily stranded. "Down payment is lower, but the loan is not enough." Xiao Yin said. Some work soon, the small amount of provident fund deposit is not large, because it can only calculate the amount of loans according to "deposit balance 15", and has encountered the problem of insufficient loans.
New Deal provides that if it is two suites, even if it is the first time to use provident fund loans, the down payment ratio should not be less than 60%. This has left many buyers with improved demand unprepared. Mr. Wang has just signed 109 flat two suites, the total price is 630 thousand, but he is the first time to use provident fund loans, according to the old regulations Shoufu only need to pay 30% or 190 thousand. "According to the new regulations, an additional 190 thousand yuan down payment will not be enough. It is not possible to check out."
real estate experts: conducive to stabilizing market expectations
Li Tiegang, vice president of the school of economics of Shandong University and director of the real estate research center, said that the current property market has been gradually warming, and the price rise is expected to increase. Against this background, the tightening of the provident fund policy has a positive effect on suppressing speculative investment houses and "excessive demand" and stabilizing the market.
Li Tiegang analysis, the provident fund of the two suite of identification from "recognition" to "recognition", two suites loan tightened, is obviously a greater suppression of investment speculative demand. At the same time, the policy is supported by the first purchase. Although the loan calculation is reduced to one, only the balance of the account is left to a lot of people to reduce the amount of loans, but this is a "excessive demand".
"account balance is small, indicating less payment and less working years, so we can't just think of one step." Li Tiegang said that only the ability to buy 50 square meters of houses, but anxious to buy 90 square meters, which is the excessive demand for just in demand. Down payment, is to guide the need to buy a truly suitable house, the policy is so "loose and tight" for the stability of the stable just need, and can also guide the developers to increase the supply of small and medium sized units.