Non limited purchase of the city can enjoy 20% payment to digest the property market, but also rely -mia farrow

Non limited purchase of the city can enjoy 20% payment to digest the property market inventory, also rely on migrant workers morning news reporter Lin Jinyu Xie Lei in the Chinese people return home for the new year, and another property deregulation policy, targeted support for the downturn of the two or three line city. In the face of such a huge positive, with the hard-earned money home migrant workers will not be home to the huge inventory of heart? How much housing demand can the villagers pull? Yesterday, the central bank issued "adjust individual housing loan policy related issues notice", further reduce the "no purchase" city Shoufu proportion, the first suite minimum can reach 20%. However, this policy has nothing to do with the purchase of the city of, which means that Shanghai continues to implement the original loan policy. Non purchase city can enjoy 20% Shoufu the central bank said in the implementation of the restriction measures in the city, residents’ families for the purchase of ordinary housing commercial housing loans to individuals, in principle, the minimum down payment ratio of 25%, down 5 percentage points over the floating; to have 1 sets of housing and housing loans outstanding households, the purchase of ordinary housing to improve the living conditions of re apply for commercial housing loans to individuals, to adjust the minimum down payment ratio is not less than 30%. For the implementation of the "restriction" measures in the city, the individual housing loan policy implemented according to the original provisions. In other words, Shanghai, Beijing, Guangzhou, Shenzhen, Sanya and other five restricted City mortgage policy has not changed. The policy at the same time, the people’s Bank of China Banking Regulatory Commission, the agency should be in accordance with the guidance, due to the policy of "principle, strengthen the communication with local government, to guide the market interest rate pricing provincial self-discipline mechanism combined with the local actual situation of different city autonomy to determine the minimum area of the first commercial personal housing loan payment. Banking financial institutions should be combined with the lowest first to determine the market interest rate pricing mechanism of the provincial self-discipline payment requirements and the mechanism of commercial individual housing loans policy, risk control and other factors, and based on the borrower’s credit status, repayment ability, reasonably determine the specific proportion of down payment and interest rates. Strengthen macro Prudential Management of housing finance. The people’s Bank of China Banking Regulatory Commission, the agency should strengthen the real estate credit asset quality, regional concentration, mechanism robust monitoring, analysis and assessment; urge the provincial market interest rate pricing discipline mechanism according to the change of the real estate situation and local government regulation, in a timely manner within the jurisdiction of the commercial individual housing loans the minimum down payment ratio of self-discipline the adjustment, to promote banking financial institutions to the housing finance business and stable operation of the local real estate market stable and healthy development. Cities with high housing prices are more favorable. "Second tier cities such as Hangzhou and Suzhou will benefit from the new policy obviously."." Yesterday, Centaline analysts said that policy plays a positive role in the capital city has emerged, such as Suzhou, Hangzhou and other city housing prices in 2015 has been significantly increased, and some of the city’s land again flourishing, with loan ratio adjustment, the city housing demand is expected to be further released. Yang Hongxu, vice president of Shanghai E-House Real Estate Research Institute, said that the state must clear the stock, and must stimulate demand, in a variety of optional theory

非限购城市能享受两成首付 消化楼市库存还靠农民工   晨报记者 林劲榆 谢磊   就在中国人返乡过年之时,又一条楼市松绑政策出台,定向支持低迷的二三线城市。面对这样的巨大利好,怀揣着血汗钱回家的打工者们会不会对家乡的巨量库存心动呢?乡亲们能够拉动多少楼市需求?   昨天,央行发布《调整个人住房贷款政策有关问题的通知》,进一步降低不“限购”城市的首付比例,首套房最低可以达到20%。但是这个政策与北上广深四大限购城市无关,也就是说,上海继续执行原有贷款政策。   非限购城市才能享受两成首付   央行表示,在不实施“限购”措施的城市,居民家庭首次购买普通住房的商业性个人住房贷款,原则上最低首付款比例为25%,各地可向下浮动5个百分点;对拥有1套住房且相应购房贷款未结清的居民家庭,为改善居住条件再次申请商业性个人住房贷款购买普通住房,最低首付款比例调整为不低于30%。   对于实施“限购”措施的城市,个人住房贷款政策按原规定执行。也就是说,上海、北京、广州、深圳、三亚等五个限购城市的房贷政策并没有变化。政策同时要求,人民银行、银监会各派出机构应按照“分类指导,因地施策”的原则,加强与地方政府的沟通,指导各省级市场利率定价自律机制结合当地不同城市实际情况自主确定辖区内商业性个人住房贷款的最低首付款比例。银行业金融机构应结合各省级市场利率定价自律机制确定的最低首付款比例要求以及本机构商业性个人住房贷款投放政策、风险防控等因素,并根据借款人的信用状况、还款能力等合理确定具体首付款比例和利率水平。加强住房金融宏观审慎管理。人民银行、银监会各派出机构应强化对房地产贷款资产质量、区域集中度、机构稳健性的监测、分析和评估;督促各省级市场利率定价自律机制根据房地产形势变化及地方政府调控要求,及时对辖区内商业性个人住房贷款最低首付款比例进行自律调整,促进银行业金融机构住房金融业务稳健运行和当地房地产市场平稳健康发展。   房价高的城市利好更明显   “杭州、苏州等二线城市将明显从新政策中受益。”昨天,中原地产有关分析人士表示,政策对于一些省会城市的积极作用已经显现,比如苏州、杭州等城市的房价2015年已经明显上涨,而且一些城市的土地出让再次红火,随着贷款比例的调整,这些城市购房者的需求有望进一步得到释放。   上海易居房地产研究院副院长杨红旭表示,国家要清库存,必须刺激需求,在各种可选择的政策中,房贷政策的影响最直接。房贷政策一般分为两类,降首付、降利率。降利率可能影响到银行的收入和利率,所以执行起来有难度,行政命令很难在市场化的银行间执行。因此进一步降低首付比例更为有效,一般商业银行都会按照央行的要求来执行。由于去年9月份房贷首付已经下降过一次,半年内再次调整,很多城市房贷首付比例已经回到了2006年调整之前,达到历史最低水平。   杨红旭说,首付政策出台将拉动需求的提前释放,首付比例降低比较适合积蓄低、收入高的人群,这部分购房者可以提前满足购房的最低门槛。从各个城市的情况来看,政策对于房价比较高的城市利好,降首付的效果更加明显。虽然降低首付可能增加银行房贷风险,但是总体来看,三线城市房价已经下降很多,只要不在一年内跌20%以上,风险一般不会显现。   民生证券有关分析人士认为,在此前下调公积金首付后,下调一般贷款首付顺理成章,且不排除进一步下调可能。未来两三年,房地产政策暖风不会停,一方面60亿库存需要去,另一方面房价整体已经几乎没有上涨风险,政策有松动空间。下一步可能出台的政策包括交易环节税费进一步调整(放松征收标准,改变征收方式)、住宅标准调整、保障房以租代售、组建国家住房银行等。   消化库存还靠农民工   趁着打工者春节回家,适时推出贷款新政,人们揣测央行在选择政策发布时间上特别用心,对于二、三线城市来说,消化库存或许还是要靠农民工。   各城市楼市冷热不均是目前摆在政策制定方面前的难题,有些城市需要将近三年才能消化库存,而有些城市已经出现明显的供不应求。根据上海易居的研究数据,在全国35个大中城市中,北海的存销比数值最高,为34个月。另外,类似烟台、淮南的存销比也比较高。这三个城市均为三线城市,且去库存周期都超过2年。相比而言,苏州、南京、合肥、南昌和深圳的存销比较小。此类城市近期房价上涨总体比较明显。从购房者角度看,应该有积极入市的主动意识。从地方政府的角度看,则应该在土地市场上加大供应力度。   2015年12月份,一、二、三线35个城市新建商品住宅存销比分别为8.8、11.6和19.0个月。相比11月份9.8、11.9和19.3个月的数值而言,三类城市的去化速度都有所加快。一线城市12月份市场总体活跃,已经连续12个月存销比数值低于12,这也是近期一线城市房价出现比较明显上涨的原因所在。二线城市存销比也连续两个月低于12个月。相比来看,三线城市存销比较高,超过两年。 进入【新浪财经股吧】讨论相关的主题文章: