Chengdu plans to lower the minimum down payment ratio for second homes! Multiple adjustments to purchase restriction policies | policies | down payment
Attention, those who want to buy a house
Fuzhou, Xiamen, Chengdu, Shenyang
Waiting for multiple cities
Planned to adjust and optimize purchase restriction policies in the near future
Lowering the lower limit of down payment for second homes
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The reporter learned from multiple sources that since the Central Political Bureau meeting on July 24th proposed to "adjust and optimize real estate policies in a timely manner, implement policies tailored to the city, and make good use of policy toolboxes", many regions have actively studied and adjusted restrictive policies such as purchase and sales restrictions.
It is reported that multiple cities such as Fuzhou, Xiamen, Chengdu, and Shenyang plan to adjust and optimize their purchase restriction policies in the near future, reducing the lower limit of the down payment ratio for second homes. After the cancellation of purchase restrictions, the minimum down payment ratio for local first and second homes can be further reduced to 20% and 30%, which is expected to activate the demand for rigid and improved housing, and enhance the transaction activity of the real estate market. In the future, there may be other optimization policies introduced.
Extend the implementation period of the Baojiao Building Loan Support Plan
Guide banks to adjust the interest rates of existing personal housing loans
Further implement the policy of "housing recognition without loan recognition"
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Recently, relevant departments have made frequent statements
Continuous optimization and adjustment of real estate policies
What signals have these new policies released?
What kind of impact will it bring?
Optimize policy support rigidity
And improve the demand for sexual housing
Since the beginning of this year, various regions have continuously optimized their real estate regulation policies, from optimizing purchase and sales restrictions to lowering the minimum down payment ratio, from issuing housing purchase subsidies to strengthening housing provident fund policy support, from purchasing deed tax subsidies to transferring second-hand houses with collateral... Real estate policies have been continuously optimized and adjusted, effectively supporting the demand for rigid and improved housing.
This is also reflected in credit data: in the first half of the year, personal housing loans totaling 3.5 trillion yuan were disbursed, exceeding 510 billion yuan more than the same period last year; The personal housing loan interest rate in June was 4.11%, a year-on-year decrease of 0.51 percentage points.
In the medium to long term, China's real estate market is shifting from high-speed development in the past to stable development. At the Political Bureau meeting of the Communist Party of China Central Committee held on July 24th, it was proposed to adapt to the new situation of significant changes in the supply and demand relationship of China's real estate market, adjust and optimize real estate policies in a timely manner, and make good use of policy toolboxes based on urban policies.
Recently, the Ministry of Housing and Urban Rural Development has stated that it will further implement policies and measures such as "not having to subscribe for housing loans" for personal housing loans; The National Development and Reform Commission stated that it is necessary to strengthen policy reserves in better meeting the rigid and improved housing needs of residents.
The implementation of policies to promote water testing in some areas
Recently, policy directions such as adjusting the interest rates of existing personal housing loans, "not recognizing loans when recognizing a house," and improving tax and fee reductions for purchasing affordable housing have become the focus of market attention. Under the encouragement and guidance of relevant departments, some places and institutions have actively responded.
First tier cities such as Beijing, Shenzhen, Guangzhou, and Shanghai have successively voiced their support for residents' demand for rigid and improved housing based on their own real estate situation. Henan Zhengzhou, Guangxi Wuzhou and other cities have optimized the standards for identifying housing units, and multiple cities in Jiangsu, such as Zhenjiang, Yangzhou, and Suzhou, have introduced tax incentives for purchasing houses
Homebuyers are also full of expectations for the adjustment of real estate financial policies. A senior agent of a Macalline iHome store in the Jinqiao area of Pudong New Area, Shanghai, told reporters that there has been a significant increase in customers coming to the store to inquire about policies recently. They are generally particularly concerned about policies that reduce down payment ratios and loan interest rates.
Yan Yuejin, the research director of E-house Research Institute, believes that "buying a house without buying a loan" is beneficial for activating the housing replacement chain and activating market transactions. Lowering the interest rate of some existing housing loans can help reduce the phenomenon of residents flocking to make early repayments and engaging in illegal loan transfers, and boost their willingness and ability to expand consumption.
Meeting the reasonable financing needs of real estate enterprises
To consolidate the stable and rebounding trend of the real estate market, it is not only necessary to boost residential housing consumption, but also to meet the reasonable financing needs of the real estate industry.
Last November, the financial management department issued 16 policy measures to support the stable and healthy development of the real estate market, maintaining the stability of key financing channels for the real estate industry and effectively promoting the resumption of project construction in various regions. In the first half of this year, the cumulative increase in development loans exceeded 420 billion yuan, an increase of about 200 billion yuan year-on-year.
The financial management department has recently extended the application period of the relevant policies of the "16 Financial Articles" and the implementation period of the guaranteed delivery building loan support plan, in order to guide banks to continue extending the existing financing of real estate enterprises and increasing financial support for guaranteed delivery buildings. Recently, the People's Bank of China held a symposium on financial support for the development of private enterprises, and several major leaders of real estate companies were invited to attend. The meeting emphasized that financial institutions should meet the reasonable financing needs of private real estate enterprises.
Wen Bin, Chief Economist of China Minsheng Bank, believes that with the implementation of a series of financial support policies, high-quality real estate companies will have stronger cash flow protection, and the steady progress of guaranteed property delivery will lead to a convergence of risks. After risk clearance, the industry will gradually enter a healthy development track.
Sichuan Daily WeChat Comprehensive CCTV News, Xinhua News Agency