Huizhou New Deal!The first set of ordinary housing down payment drops to 20 %!

The reporter learned from Huizhou Housing and Urban -Rural Development Bureau and the People's Bank of China Huizhou Central Branch that since August 15, the Huizhou real estate market has begun to implement a new housing purchase policy: the minimum down payment ratio of commercial personal housing loans in our city, and residents' families The first purchase of ordinary housing down payment was reduced to 20 %.

At present, in order to meet the needs of talents and new citizens' self -occupation and improvement housing needs, the city's favorable policies have been introduced. The Huizhou property market has entered the overall recovery stage, and the market heat has gradually risen.

Citizens are buying their favorite buildings. Huizhou Dongjiang Picture Club

There is no house in the name but a record of settlement of house purchase loans. It cannot be identified as "first purchase"

According to the "Resolution on the Minimum Top Payment Payment Permit for Adjusting Huizhou City's Commercial Personal Housing Loans" (hereinafter referred to as "Resolution" ") released on August 15, in order to cooperate with Huizhou to adjust the real estate market policy, in accordance with the principle of" policy of the city "principle In conjunction with the changes in the real estate market situation and government regulation of Huizhou, the housing credit work group in Guangdong's market interest rate pricing self -discipline mechanism has formed a resolution. From 0:00 on August 15, 2022, residents' families have purchased commercial personal housing loans for the first time in ordinary housing. The minimum down payment ratio was adjusted to 20%.

At the same time, the "Resolution" states that the minimum down payment ratio for the first purchase of non -Putong housing for residents' families is implemented at the original policy, that is, not less than 30%.

In order to prevent controversy, the "Resolution" specifically mentioned that all banking financial institutions should implement a unified standard for implementation of "commercial personal housing loans to buy ordinary housing for the first time": there is no house in the name of the residents' families, but the investigation has settled a house purchase purchase. If the loan record, if you apply for a commercial personal housing loan again, it cannot be identified as "first purchase", and the minimum down payment ratio of the loan is still 30%.

Specific to the time node, the "Resolution" clearly states that if the following conditions are met in Huizhou, the commercial personal housing loan policy is implemented in accordance with the original regulations: before August 15, 2022 (excluding August 15), the commercial housing sales contract has been completed. Or real estate trading contracts are implemented in accordance with previous policies.

"The down payment becomes 20 %, and the interest rate of bank loans is lower than before. The two benefits have arrived at the same time. For those who need to buy a home like me, it does reduce a lot of burdens." The citizen Zhang who has recently been watching the house in Huicheng District Mr. said.

Citizens are buying their favorite buildings. Today's Huizhou.com information chart

The Huizhou property market has gradually recovered, and the new house transaction has risen for 4 months

The decline in the down payment ratio will undoubtedly further promote the development of the real estate market.

Previously, in order to further meet the needs of self -occupation and improvement housing in benefiting talents and new citizens, the city has continuously issued relevant regulatory policies. On April 30 this year, six departments such as the Municipal Housing and Construction Bureau jointly issued the "Notice on Promoting the Healthy Development and Personal Circle of the Real Estate Industry" (referred to as the "Hui Six"), and "the policy of the city" promoted the virtuous cycle and healthy development of the real estate industry. Essence Since then, favorable policies such as "the first home loan interest rate dropped to 4.25%" and "allowing the withdrawal of the provident fund payment" and other favorable policies have been introduced.

With the changes in regulatory and finance, the Huizhou property market is gradually recovering. The people watching people at the site of real estate have continued to increase, the housing companies have been enthusiastic about sales, and the land market supply is hot ... The reporter learned from the Municipal Real Estate Association that in the first half of this year, the whole city The sales area of ​​new commercial housing is 3.6098 million square meters, and 4,1357 commercial housing is sold. From February to June, Huizhou's new house transactions rose for 4 months, and the market transaction volume was constantly new in the year.

According to the relevant person in charge of the Municipal Housing Association, a series of policies such as lowered mortgage interest rates and reduction of down payment ratios will further promote the goal of "stable price, housing prices, and expected" in the property market, and promote the healthy and stable development of the healthy cycle of the real estate market in our city.

"It's like a cool breeze in summer. It is great to boost the confidence of demand, speeding up inventory, and attracting the demand for deep overflow." Zhou Yuren, managing director of the East of Guangdong District, believes that the epidemic believes that the epidemic situation In the influence of factors, many Huizhou demand -side customer income declines, and the New Deal will effectively boost the demand side confidence and stimulate them to speed up the pace of entering the market. In addition, with the enhancement of the industrial adsorption capacity of our city, the improvement of transportation facilities, and the rise of urban development expectations, after the implementation of the new property market, Huizhou, who is still in a relatively "price depression", is still willing to work and live. It will have great attractiveness.

Source: Huizhou Daily

Writing: Reporter Qiu Ruirong Liu Weiwei

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