Real estate solar terms brush screen

On June 165438+1October 1 1 day, the People's Bank of China and the China Banking Regulatory Commission issued the Notice on Doing a Good Job in Financial Support for the Stable and Healthy Development of the Real Estate Market, and issued16 measures to explicitly support the stable and healthy development of the real estate market! The information is very large!

Focus on:

1, stabilize real estate development loans;

2. Support the reasonable demand for individual housing loans;

3. Stabilize the credit supply of construction enterprises;

4. Support the reasonable extension of stock financing such as development loans and trust loans;

5. Keep bond financing basically stable;

6. Maintain the financing stability of asset management products such as trust;

7. Support development policy banks to provide special loans for "Baojiao Building";

8. Encourage financial institutions to provide supporting financing support;

9. Do a good job in financial support for real estate project mergers and acquisitions;

10, actively explore market-oriented support methods;

1 1. Encourage independent negotiation according to law to postpone the repayment of principal and interest;

12. Effectively protect the personal creditor's rights of deferred loans;

13. Extend the transitional arrangements for the centralized management policy of real estate loans;

14, optimize the M&A financing policy of real estate projects in stages;

15, optimizing the rental credit service;

16. Broaden diversified financing channels in the leasing market.

The full text is as follows.

Among them, in keeping the real estate financing stable and orderly, the notice specifically puts forward:

If the loan expires within the next 6 months from the date of issuance of the notice, it may be extended beyond the original provisions of 1 year, without adjusting the loan classification, and the loan classification submitted to the credit information system is consistent with it.

This means that the loans due by real estate enterprises can be extended beyond the original provisions 1 year; "Not adjusting the loan classification" means that the central bank's assessment of banks is relaxed accordingly, with great strength.

Xiaobo Liu, a famous expert, also expressed his view that the real estate industry, as the industry with the highest tax rate and the strongest driving force in China, must pick up, so as to support the national finance and employment.

This time, the attitude given by the People's Bank of China and the China Banking Regulatory Commission is "support"!

The image source sees the watermark.

Moreover, judging from the recent policies and implementation in various places, the major environments are also actively paving the way for the property market to pick up.

The first-tier cities are also loose! Beijing Tongzhou relaxes the purchase restriction!

On June 8, 2022, 165438+ official website, Beijing Municipal Commission of Housing and Urban-Rural Development, issued the Notice on Strengthening the Management of Commercial Housing in Matai Area of Yizhuang New Town;

With the approval of the municipal government, the commercial housing (including new commercial housing and second-hand housing) in Taihu Lake and Mazhuqiao area (about 78 square kilometers) in Tongzhou District managed by Beijing Economic and Technological Development Zone shall be subject to the relevant provisions of the commercial housing policy of Beijing Economic and Technological Development Zone as of the date of promulgation of this notice.

At this point, Tongzhou's "double purchase restriction" policy has been implemented for 7 years, and Taihu Lake and Mazhuqiao area will no longer be implemented!

Although the liberalization of purchase restrictions in these two regions has little substantial impact on the market, what is more important behind this news is the signal significance! The first-tier cities have already started to move, and the cities below don't need to die! Save it if you should!

Source: Urban Finance

2. Hangzhou's loan restriction is loose, and the down payment for the second suite is reduced to 40%!

Recently, a bank in Hangzhou issued a notice to all branches, sub-branch business departments and personal loan operation centers, which is called "Emergency Notice on Adjusting the Policy of Personal Housing Mortgage Loan in Hangzhou" (hereinafter referred to as "Notice"). The "Notice" adjusted the conditions for determining the loan for the first home in Hangzhou, the down payment ratio for the second home and the loan interest rates for the first and second homes:

1. For households who have no housing in Hangzhou, but have mortgage records and the corresponding loans have been settled, in order to improve their conditions, they can buy ordinary self-occupied housing again, which can be implemented according to the first home loan policy. The scope of policy adjustment is the restricted purchase area in Hangzhou.

Second, in order to improve the living conditions, the minimum down payment ratio is 40% for households who buy a second set of ordinary self-occupied houses by loans, and the scope of policy adjustment is the restricted purchase area in Hangzhou.

3. For households who purchase ordinary self-occupied housing by loan, the first interest rate shall not be lower than the loan market interest rate listed in the same period minus 20 basis points, that is, the lowest interest rate is LPR-20BP；; ; The interest rate of the second home loan shall not be lower than the loan market interest rate listed in the same period plus 60 basis points, that is, the lowest interest rate is LPR 60BP；; ; The scope of policy adjustment is the whole jurisdiction of Hangzhou.

Four. This policy adjustment will be implemented from1October11day, 2022, subject to the online signing date, that is, the online signing contract signed on or before June 65438+1October 10, 2022 is still in accordance with the original policy.

Verb (abbreviation of verb) The unadjusted mortgage policy is implemented according to the original differentiated mortgage policy.

According to the notice, the bank's determination condition for the down payment of 30% for the first suite in Hangzhou has changed from "recognizing the house and recognizing the loan" to "recognizing the house and not recognizing the loan", that is, the purchaser who has no house in Hangzhou but has a mortgage record and the loan has been settled can follow the first home loan policy.

In addition, the minimum down payment ratio for buyers who purchase two houses by loan is adjusted from the previous 60% to 40%.

The interest rate of the first home loan is adjusted by 4. 15% at the lowest, and the interest rate of the second home loan is adjusted by 4.9% at the lowest.

A number of bank staff in Hangzhou confirmed this and said that it will be implemented from today.

The bank's move means that the cost of buyers will be greatly reduced, supporting the demand for just-needed and improved home purchases, which is undoubtedly a good thing for stabilizing the property market.

3, Nanjing exposure, you can open an old man to vote for a house!

Recently, according to the report of Xici Real Estate, Nanjing has two options to apply for housing besides ordinary and no housing options: having more children and having relatives to support the elderly.

Later, the staff of the "Fang Bangning" hotline 5 1805800 confirmed that in addition to families with many children, there are also families from other places who come to support the elderly (such as parents and children). ), and families or single individuals with limited purchases can apply for additional proof of purchase. Those who vote for the elderly also need to provide a residence permit in Nanjing. "If many children's parents are satisfied with both items, a family can issue four proof of purchase."

Although this does not mean relaxing the purchase restriction, it also releases the needs of some people to a certain extent.

The image source sees the watermark.

Last Friday, the most exciting news came!

On the same day,165438+1October1,"Notice on Further Optimizing the Prevention and Control Measures of COVID-19 Epidemic" was released and screened in major official media.

This also represents that the relevant policies on this matter are changing, which has a positive effect on economic recovery and economic activities and also releases a positive signal.

For the property market, the economic environment is also important.

5. Real estate stocks ushered in a surge, releasing a strong signal!

Last week, the real estate stock market and the bond market both reversed sharply, and went out of the skyrocketing market for three consecutive days, and the whole line was hot!

On Friday alone, Xuhui Holding Group increased by 72.22%, new town development increased by 53.77%, Dafa Real Estate increased by 43.42%, Longguang Group, Country Garden and Jingtaifu all increased by more than 34%, China Jinmao, Baolong Real Estate and Longhu Group all increased by more than 27%, Rongxin Group increased by 2 1.65%, and Greentown China increased by 655. ......

Behind this, it is naturally related to the frequent positives in recent days.

& lt& lt Sliding Up and Down Source: Shanghai Real Estate Watch >>

For property buyers, this stage will be a very good time to buy a house, and all aspects of policies are quite friendly, especially in the future.