The new policy of Ji'nan provident fund loan
Author: Cui Rongjie
since October 8th, Shandong Ji'nan provident fund loan new policy has been implemented for a month, the policy on the market impact geometry? Reporter today (8) in the interview to understand that 10% buyers of loans are directly affected, In addition, the relevant banks said that although the number of home buyers who had made loans with provident fund loans did not decrease significantly, the amount of loans decreased significantly.
"provident fund loan policy has been adjusted. I have to go back to discuss with my family about how to buy a house." On the 8 day, a broker near the Ji'nan mountain road in Shandong, a reporter met Mr. Guo, a citizen who came to buy a house. He saw a set of houses at the intermediary. When the loan, the broker gave him a detailed introduction to the new policy of the provident fund loan. He decided to go home and discuss with his family to make a decision and discuss how to loan.
Mr. Zhao, the head of the intermediary, told reporters that since the implementation of the provident fund loan policy in October 8th, such as Mr. Guo, the staff often have to carefully explain the new policy to the buyers, and let the buyers adjust the loan scheme. "Most of the buyers are switching to" combined loan ", and the buyers with the ability to pay are paying the full amount.
in terms of the impact of the new deal on the loan of provident fund, Mr. Zhao believes that in October, the circulation ratio of the second-hand housing volume in Ji'nan was reduced, and there was a certain relationship with the adjustment of the loan policy of the provident fund. Another large intermediary in charge of the loan of Mr. Zhou told reporters that the new policy of provident fund loans for one month, the main impact on the market is that many buyers are not enough.
the implementation of the new policy of the provident fund loan has also gradually affected the credit delivery of banks. According to the head of the Credit Department of a commercial bank in Ji'nan, since October, the amount of provident fund loans has been reduced, and the volume of commercial loans has gradually increased. "In the case of a month, the number of provident fund borrowers has not been significantly reduced, the applicants are still more, but the amount of funds issued by the provident fund is significantly reduced." The manager said that, after the implementation of the new deal, many buyers have greatly reduced the amount of loans, only a part of the commercial loan to complete, which makes the accumulation fund loan and commercial loan in the whole credit market ratio has changed.
10% buyers' loans in the second-hand housing market are directly affected, so what is the situation in the new housing market?
"from the situation of our building, about 10% of the single buyers have been affected by the new policy." The sales manager of the elyshe house in Western Ji'nan told reporters that the ceiling of this part of the purchaser's provident fund loan is reduced, only to "portfolio loan", but there is no big impact on sales. According to the reporter, from the whole new housing market in Ji'nan in October, 4692 sets of residential volume set up the most single monthly turnover since this year, the new policy of provident fund loans did not have much impact on the market.
industry analysts believe that, although the adjustment of the provident fund loan policy, making the loan amount of some buyers affected, but compared to the price factors, the impact of the loan method is second, as long as the price is reasonable, most buyers will choose to enter the market.