The upper payment ratio of the two suits of over 40 cities reduces the demand for housing in some areas.

The upper payment ratio of the two suits of over 40 cities has reduced the demand for housing in some areas.

Reporter Peng Yan

Recently, more and more cities have joined the team with the down payment ratio of the second suite. On September 22, the "Securities Daily" reporter learned through an interview with banks, real estate agencies and other institutions that after the adjustment of the mortgage policy, many banks adjusted the down payment ratio of the second home, and the number of house buyers in many places increased.

Li Yujia, chief researcher at the Housing Policy Research Center of the Guangdong Provincial Urban Rules Institute, told a reporter from the Securities Daily that the purpose of reducing the proportion of down payment for the second suite is to reduce the threshold for improving demand to enter the market, release the demand for house replacement, and promote house transfer. Improving sexual needs is the main force of current housing demand, and the potential for changing housing in second -tier cities is greater. In the future, there will be more cities to encourage housing needs, so the preferential intensity in the purchase policy of the second house will increase, including the interest rate to the lowest level of the prescribed.

Adjust the second house in many places

Down payment ratio

Recently, the proportion of the down payment ratio of the two houses has been adjusted in many places including Zhengzhou, Xingtai, Tianjin, etc. 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.

CITIC Securities Chief Economist clearly told a reporter from the Securities Daily that the cities with the current down payment ratio of the two suits are generally a city with weak real estate sales and high inventory. It is expected that in the future, more cities with high pressure on real estate will take similar measures, but may not be able to expand to first -tier cities. The policies and regulations of the two suits are not exactly the same. Under the framework of the city and the city and one policy, the local area may have different degrees of relaxation in the purchase restrictions, loans and mortgage interest rates of the second house.

Guan Rongxue, an analyst of Zhuge Finding Data Research Center, believes that under the positioning of housing and not frying, the down payment of two houses in various places is more cautious. Earlier, some second -tier and third- and fourth -tier cities usually tilted the direction of policy adjustment to the rigid group, which means that the support of the group has gradually improved, and the weak sectors of the policy will be optimized with the previously introduced real estate policy. Promote the healthy and healthy development of the market. It is expected that more cities may follow the down payment policy in the future, and there may be innovative actions in optimizing the second -house policy.

The decline in the down payment ratio echoed that the mortgage interest rate continued to decline. 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.

Consultation volume of house purchase in some areas

Significantly rise

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%.

In addition, Xingtai recently issued a new provident fund loan policy, and purchased the first set of down payment for the first home house from 30%to 20%, and the down payment ratio of two houses to buy two houses was reduced from 60%to 40%.

A real estate agency agent in Haikou told reporters that the current down payment ratio of the second house has dropped to 40%. For groups who intend to purchase two suits, the new policy of the property market has reduced the threshold to some extent, which helps stimulate the release of demand.

Many buyers' feelings about reporters talked about the policy after the policy release: "Reducing down payment can alleviate the current financial pressure, and will consider replacing new houses."

However, Liu Lijie, a market analyst at the Shell Research Institute, pointed out that the current market repair is blocked, and the repair of the later market still requires a loose credit environment as the basis.

Guan Rongxue said that since September, a new round of policy has followed, and the relaxation of restrictions on purchase and mortgage down payment has appeared in many cities. Coupled with the traditional season of sales, housing enterprises will be increased and promoted. The probability increases from July and August, but the heat may be less than last year.

From the perspective of obviously, the continued landing of localities in various places is a process of gradual accumulation, but it may not be able to have qualitative changes in September and October. From the end of the year, the real estate market is still shocked, and it is difficult to now have the so -called "gold nine silver ten". However, the demand for housing prices in core cities is generally tough, and first -tier and second -tier cities will be stable and remove. (Securities Daily)

- END -