Jinan non -purchase area only recognizes loans and does not recognize that some banks have executed 20%down payment for the first house

Recently, Jinan's cancellation of purchase restrictions on some areas has aroused widespread society. The latest policies stipulate that Jinan continues to implement restrictions on purchase restrictions on the Lixia District and the urban area within the second ring. This means that the region outside the Jinan Second Ring Road cancels the purchase restrictions, and the second ring road has canceled the purchase restrictions in the city, Tianqiao District, and Huaiyin District.

The Junyi Mansion Community is located in the Second Ring Road and belongs to the Tianqiao District. Although there are not many remaining houses, the customer phone number received by the sales office has obviously increased from the policy of lift the purchase restriction. "From the perspective of the customer's response, this is a very obvious signal. Usually call about 10 groups of calls. After the new policy comes out, the amount of front -line sales staff receives two to three times more than usual. There is no home property in the early stage. Customers with qualifications now have their qualifications. As the government continues to launch a favorable policy, it not only drives the real estate market, but also increases the confidence of citizens to buy a house. "Lan Haiyang, the sales manager of Junyi House, Jinan City, told reporters.

Mr. Zhao, a salesperson of Snow Mountain Vanke City, said, "After the policy, the number of visitors has increased significantly, which can increase by 20%-30%. We also let the real estate consultant invites customers who could not be traded before."

In May this year, Jinan made moderately adjust the property market regulation policy, and no longer included Changqing District and Zhangqiu District into the scope of purchase restrictions. This adjustment has further expanded the non -purchase area. Since most of the residential plots of Jinan transferred in the past two years are outside the second ring ring, most of the popular areas on the market are not within the scope of purchase restrictions. The purchase restriction policy that has been implemented for nearly six years has been gradually canceled since October 2016.

According to the current policy, Jinan's purchase area, the first house is recognized by the house, not the loan, not the purchase area. At present, only the loan is recognized and does not recognize the house. A intermediary told reporters, "As long as the name is not settled in the name of the housing mortgage, it is the first set. There is a set of two sets that are two sets, there are two sets of unreasonable or more, and you can buy or not."

With the adjustment of the purchase restriction policy, the loan restriction policy will also be adjusted. Zhang Sinkin, the person in charge of the Shell Jinan Station Trading Center, said in an interview with a reporter, "The People's Bank of China has relevant regulations. For mortgage for non -purchase areas, the lowest set of the first house can be 20%, and the minimum of the second suites can be 30%. Jinan is Jinan. Houses in these areas such as flyover, Huaiyin, Licheng, and High -tech are now in non -purchase areas. In theory, banks will probably implement the policy of 20%of the first payment of the first set of down payment. The process of formulating policies. "

The reporter learned that Jinan currently has banks that have implemented non -purchase regions and do not recognize housing policies. The first set of down payment ratios is 20%and the two sets of down payment ratios are 30%. "Since this year, the amount of mortgages may not be particularly large, and the bank's own credit quota may be relatively abundant. It should be okay according to 20 % execution." Said Li Gang, executive vice chairman of the Jinan Real Estate Association.

Source: Qilu.com

Edit: Liu Yuhong

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