The down payment ratio of over 40 cities is reduced?Is the real estate market going to be hot again?

Recently, the real estate market seems to have undergone relatively large changes. Among these changes, the reduction of the down payment ratio has almost become a common measure. Recently, there are more than 40 cities in the media to reduce the proportion of the down payment of the second home. What do you think of this? Is the real estate market hot?

One, over 40 cities to reduce the down payment ratio of the second house?

According to the Securities Daily, the proportion of the down payment ratio of the two houses has been adjusted in many places including Zhengzhou, Xingtai, Tianjin and other places. For example, Tianjin has recently issued a new property market in the property market to clarify that the residents' families apply for commercial personal housing loans to purchase a second house, and the lowest down payment ratio is 40%. Xingtai recently issued a new provident fund loan policy.

According to the incomplete statistics of the Zhuge Housing Data Research Center, as of September 16, 41 cities have reduced the down payment ratio of two -suite, mainly concentrated in second and fourth -tier cities.

On September 22, a reporter from the Securities Daily contacted a number of bank institutions and real estate agencies in the aforementioned area and real estate agencies to understand the dynamics of all parties after the policy was introduced. "After the down payment ratio policy is adjusted, there are indeed many customers in consultation." The staff of a state -owned large bank loan department in Tianjin told reporters that the down payment ratio of the two -suite was reduced from 60%to 40%, and the first house remained unchanged. The mortgage interest rate has not changed. The first home loan interest rate is still 4.1%, and the two -set loan interest rate is 4.9%.

A credit manager of a state -owned bank in Zhengzhou told reporters that recently, the down payment ratio of the two houses in the Zhengzhou restricted purchase area has fallen to 40%, and the first house down payment ratio remains unchanged to 30%. Some relevant banks in charge said that the bank has not received a notice that has not yet received a downward notice, and the down payment ratio of the second home is still 60%.

According to the data of the mainstream mortgage loan interest rates of the Shell Research Institute, in September 2022, the 103 key cities monitored by the Shell Research Institute in the Shell Research Institute was 4.15%of the first home loan rate and the interest rate of two sets of mortgages was 4.91%, which fell 17 from the previous month. A basis, 15 basis points.

2. Is the real estate market going to be hot again?

We see that more than 40 cities have begun to reduce the proportion of down payment for two suits, so what should I think of this matter? How can we analyze and judge this?

First of all, in the process of the development of the previous real estate market, due to the high down payment ratio of the second suite, in fact, buyers who have suppressed some improved demand, for many buyers, the mood of watching is relatively strong, they all all, they all all, they all are all. I am more worried that this large -scale market pressure brings a big problem to ourselves in daily life, so we have seen that many home buyers have delayed their own demand for home buying. We look forward to saving more money to see if you can buy two two. House. Nowadays, the down payment ratio of the two houses has begun to decrease, which actually reduces the threshold for buyers to buy a house. Promote the sales of two houses.

Secondly, on the current market, in fact, the main participants in various markets are facing relatively large pressure. From the perspective of home buyers, buyers actually face the uncertainty of future income and development. Each family is each family. The company is actually more or less market shrinkage. This market contraction is actually not good for the development of the entire market. And for many people who want to buy a house, on the one hand, everyone considers the threshold for buying a house, or whether it can meet the requirements of this down payment, and on the other hand, it is considered a future family income. If future family income If you can continue to rise, everyone actually has the motivation to buy a house, but once the future family income is expected to decline, this motivation will begin to be insufficient for most people.

Third, from the perspective of long -term market development, the decrease in the down payment ratio of the second house is just the beginning. In the future, there will be more policy portfucts to promote the orderly development of the entire market. For the entire market, The overall price on the market is actually difficult to occur on large -scale rising or large -scale declines. Since the market space of the second house itself is actually a more stable space, the market has more demand and motivation to further develop in a better direction. For the current market, in fact, we do n’t have to worry about the market ’s excessive price increase. The expectations of the entire market are relatively stable, and there may be stable development, but the overall market is relatively obvious. So for buyers, it is indeed a good time to buy a house.

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