Abstract core reminder: In the year of 2015, we were amazed by the residential project of over 40,000 yuan per square meter. We have been fascinated by the rising low price, rejoicing in policy, and when we bought a house, it is also the price. The rise is distressed. It has been more than 20 months...
Core Tip: In the year of 2015, we have been amazed by the residential project of over 40,000 yuan per square meter. We have been fascinated by the rising low price, rejoicing in policy, and when we have bought a house, it is also a rise in housing prices. Distressed. It has been more than a month in 2016. When the central bank cut the down payment ratio on February 2, the bank cried. Crying a home mortgage does not make money. "The current interest rate level plus the other policies of the first suite, if the interest rate is lowered again, the bank will hardly make money. If the single mortgage loan does not make money, the total amount will not be able to make money." Then, in this case, the stock is not far from losing money. How should Zhengzhou go in the year? The 2015 property market policy is generally loose and will continue this year.
Some people say that on February 2 this year, the central bank lowered the down payment of the first suite to a minimum of 20%, which is the signal that the overall policy of this year began to loosen.
Throughout 2015, the property market policy is very lively. The central bank's five interest rate cuts and RRR cuts brought a brand new spring to the buyers, and the cost of buying houses fell. Coincidentally, in addition to this, the housing provident fund policy has opened a “crazy†model to help homebuyers settle down.
At the beginning of February 2016, the People's Bank of China and the China Banking Regulatory Commission jointly issued a notice on the adjustment of personal loans. The proportion of down payment for the first set of housing in the city will be 20%. This is undoubtedly a pleasure for those who have demand for housing. Things. On the 22nd of the same month, the deed tax and business tax preferential policies came one after another.
The down payment has dropped, and the deed tax has also dropped. Some insiders said that in 2016, the policy will continue to relax. That is to say, due to the continuous emergence of the pattern of urban differentiation, the future property market policy will follow the principle of “stratified policyâ€. To regulate and control all places. What can be expected is that "personal mortgages are taxed" is expected to be realized.
Monetary policy will be more flexible and moderate
In 2015, compared with previous policies, it was a policy “dividend yearâ€, and multiple favorable mortgage policies drastically increased the market. The credit market has been very loose after repeated RRR cuts. Many buyers are concerned about whether such a loose credit environment can continue this year.
Since November 2014, it has cut interest rates six times in a row. In 2015, the central bank cut interest rates five times, and mortgage interest rates have hit a record low. In this regard, the reporter calculated an account, with a loan of 1 million yuan, 20 years of payment, equal amount of principal and interest repayment, under the latest interest rate, the total repayment amount of this mortgage will be reduced to 1.57 million yuan, monthly average Section 6544.44 yuan. After six interest rate cuts, you can pay 939 yuan less each month.
To this end, it has been pointed out that in the context of the real estate market's efforts to speed up the digestion of inventories in recent years, the overall tone of the macro-control policy will remain loose next year. Therefore, the overall introduction of the mortgage control policy will still be dominated by the loose situation.
The first is to cut interest rates and lower the standard. Industry insiders predict that interest rates will continue to fall even if interest rates are not cut next year. Interest rate discount, if the economic situation is still not optimistic, or there are 4 to 5 times of RRR.
Second, the proportion of down payment for home purchases was reduced to 10%. Down payment can maximize the activation of rigid demand. At present, most of the second generation of farmers plan to buy a house in the city where they work, and they are not rich at all. If they are lowered again on the basis of a 20% down payment, they will undoubtedly greatly reduce their barriers to buying a house.
Similarly, industry insiders expect that although the down payment for the second home this year will drop to 40%, there will still be some pressure on house replacement for some customers who have just improved their customers. In order to release some of the just-improving customer needs, the second-home down payment in 2016 is also expected to be lowered. The down payment for the second home provident fund loan has been reduced to 20%. In order to stimulate the property market, commercial loans do not rule out the possibility of follow-up, and will drop to 10%.
The loan quota will be more tight in the second half of the year.
Low interest rates mean that mortgages are discounted. This is undoubtedly a good thing for homebuyers, but banks are not so positive about mortgage business.
Yesterday, the reporter consulted a number of banks in Zhengzhou as customers. Some small and medium-sized banks’ credit departments said that they had already contracted their mortgages. Some banks have suspended the application for mortgage business. When the reporters asked these banks for verification, the bank staff denied it. Some banks did not expressly “suspend the mortgage†but did not promote this business.
"The high cost of bank funds and the narrowing of interest margins are important reasons for the joint-stock commercial banks to retreat to the mortgage business." A person from Zhengzhou Bank said that the same as housing loans and small and micro loans, the significance of fulfilling social responsibility is obviously greater than that of profit. State-owned large banks with low capital costs must maintain the stability of the personal housing loan market, and small and medium-sized banks can carry out differentiated operations.
In the interview, some banks said that the current benchmark interest rate has been lowered to a relatively low level, and the entire market is also tending to be stable. Therefore, the previous discounts and other concessions are difficult to enjoy.
Judging from the trend of mortgage interest rates of various banks in Zhengzhou in recent years, the mortgage loans in 2016 will gradually show a tightening trend. "In general, no matter how it is distributed, the bank loan quota will definitely be insufficient, and there will be a special situation this year, that is, interest rate cuts, which will increase the possibility of banks tightening mortgages," said a real estate salesperson.
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