The above report shows that in the first quarter of 2019, Beijing's commercial residential sales market rebounded significantly compared with the same period of 2018. In the first quarter, the first-hand ordinary residential market increased its supply by 1,073,500 square meters, up 100.1% year-on-year, and the transaction area was 942,200 square meters. It rose by 133.1% year-on-year. It can be seen that in the first quarter, the Beijing property market showed a trend of recovery, and the demand for home purchases was gradually released.
The Beijing property market, which has just started to pick up, was poured with cold water in a blink of an eye. The National Provident Fund Provident Fund Center recently announced that from April 15th, the second-home loan will be “respected and re-granted”, and the second-home down payment ratio will be adjusted to a minimum of 60% and a maximum loan of 600,000 yuan.
According to Zhongxin.com, Chief of Zhongyuan Real EstateAnalystZhang Dawei believes that because the market has been speculatively tightened, this policy has not directly affected the market, but it will definitely affect the "Xiaoyangchun" continued from the psychological level. The Beijing property market, which has recently recovered, will have a very large psychological impact.
The second suite "reserves the room and accepts the loan"
Every Xiaobian has learned that the State Administration Provident Fund refers to the housing accumulation fund paid by the employees of the central state organs and the state-owned units in Beijing, and also includes the housing accumulation fund deposited by the central subordinate center, and the housing funds of the central state organs. The management center is responsible for management. The National Provident Fund can be used in different places, but mainly in Beijing, mainly in central enterprises, and other cities are very few. In normal years, the national management only accounts for about 12% of the provident fund loans.
The difference between the state management and the city management is basically that the state enterprise's provident fund is the state management, the local provinces and municipalities' public accumulation fund is the city management, and the general enterprises and institutions are also the city management. Most state-owned enterprises are state-owned.
In September last year, the Beijing Municipal Provident Fund began to “recognize housing and recognize loans”, and now the state management fund has finally been followed up. According to this new policy, if the borrower's family (including the borrower, spouse and minor children) has no housing in Beijing and there is no housing loan record (including commercial housing loans and housing provident fund loan records), The first set of housing loan policies.
If the borrowing applicant’s family has no housing and only one housing loan record in the city, and there is only one housing in the city and there is no housing loan record or only the same housing loan record, according to the second set The housing loan policy is handled. In other words, once the loan has been bought, whether it is a commercial loan or a provident fund loan, it is now sold as a small buy, and will be recognized as a second suite from April 15th. If it is recognized as two or more houses, no loan will be granted.
Adjust the down payment ratio
The New Deal also adjusted the down payment ratio. In terms of down payment, according to the regulations, if the borrower purchases affordable housing, the down payment ratio is not less than 20% of the total purchase price; if the first set of housing other than affordable housing is purchased, the down payment ratio is not less than the total purchase price. 30%; for the purchase of two sets of housing, the down payment ratio is not less than 60% of the total purchase price. If the borrowing applicant purchases the stock of the house, the total price of the house is estimated by the house and the house is purchased.contractThe lower of the total price is subject to change.
In terms of loan quota, the maximum amount of the first home loan is 1.2 million yuan, and the loan benchmark is implemented.interest rateThe maximum amount of the second set of housing loans is 600,000 yuan, the loaninterest rateIt is 1.1 times the benchmark interest rate for the same period.
The New Deal also pointed out that under the premise of guaranteeing the basic living expenses of the borrower, according to the loan amount, time limit and applicable interest rate applied by the borrower, the monthly average repayment amount calculated according to the equal principal and interest repayment method should not exceed the borrower's monthly basis. 60% of income. At the same time, the term of the loan shall not exceed 25 years, and the maximum period may be calculated to 5 years after the legal retirement age of the borrower, and the maximum shall not exceed 65 years of age.
Purchase policy room will give support
Every time the Xiaobian notes, the new policy still supports the purchase of policy rooms by employees. The central state government housing fund management center explained that the New Deal has given priority to the employment of loans for employees who purchase policy housing in terms of loan quotas, housing number determination and timeliness of approval.
It is reported that when employees purchase policy housing, the housing accumulation fund personal housing loan quota is determined without considering the factors such as deposit balance, payment period, spouse deposit and adjustment factor; purchase of affordable housing application loan, according to the first housing loan policy Handling; purchase policy housing investment loans such as shared property housing, and determine the loan application policy according to the actual housing and loan situation under the name of the loan applicant.
In addition, the certification materials will be further streamlined. When applying for a loan, the borrowing applicant only needs to bring the original documents such as identity certificate, marriage certificate, and proof of purchase of the first payment, and does not need to provide a copy; if the borrowing applicant deposits the housing provident fund in the Beijing Housing Provident Fund Management Center, there is no need to provide the housing accumulation fund. Individual Enquiry List; If the National Housing Provident Fund Displacement Transfer Platform is transferred to the Capital Center to deposit the housing provident fund, there is no need to provide the “Certificate of the Use and Payment of the Separate Loan Workers' Housing Provident Fund” issued by the original City Provident Fund Center; If the payment time does not meet the relevant requirements, the transfer certificate will be provided, and the “Certificate of Housing Provident Fund Deposit” issued by the original troops will not be provided.
Yan Yuejin, research director of the think tank research center of Yiju Research Institute, told Zhongxin.com that the policy adjustment reflects the guiding and control ideas of policy tightening. The core of the policy is to implement the policy of “granting loans and recognizing loans”. In the rhythm of the release of the CPF loan.
Yan Yuejin pointed out that the adjustment further strengthened efforts to support the payment of policy-oriented housing by employees, to meet the needs of the first suite, and to curb the speculative demand for real estate speculation, which has a significant impact on the Beijing market. In the future, the sales of real estate are expected to be better, and the sales of improved real estate will be affected.
Zhang Dawei said that in the tightening of the National Provident Fund, including the supply of wells in Qinglong Lake and other areas, the "Xiaoyangchun" that Beijing's property market just got up will soon be hit. It is expected that there will be no other property in the Beijing property market in May.CreditWith the impact of the easing policy, the market is likely to decline from March to April.
(Article source: Daily Economic News)