On June 5438+February 3, 20201day, the central bank and the China Banking Regulatory Commission issued the Notice on Establishing the Management System of Real Estate Loan Concentration in Banking Financial Institutions, which is another heavy policy issued by the state in building macro-prudential policies for real estate finance after the "three red lines". This policy has been implemented since 202 1 1 65438.
The policy is mainly to classify banking institutions of different sizes, set a ceiling for real estate loans and personal housing loans, and set a two-year or four-year adjustment transition period for institutions that exceed the ceiling. The specific restrictions are as follows:
What is the "real estate loan centralized management system"?
Mainly refers to the Chinese-funded legal person banking financial institutions established in China, whose real estate loan balance ratio and individual housing loan balance ratio should meet the management requirements stipulated by the central bank and the CBRC, that is, they should not be higher than the corresponding upper limit stipulated by the central bank and the CBRC. Since 20 19, the central bank and CBRC have conducted extensive research on the management system of real estate loan concentration, fully communicated with financial institutions, fully considered the actual situation of banking financial institutions when setting relevant indicators, and adopted various mechanism arrangements such as classification and grading, differential transition period and regional adjustment mechanism.
In response to a reporter's question, the central bank and the China Banking Regulatory Commission said that the main purpose of studying and formulating a centralized management system for real estate loans is to improve the toughness and stability of the financial system and promote the stable and healthy development of the real estate market. At the same time, we will promote the structural reform of the financial supply side, strengthen the internal constraints of banking financial institutions, optimize credit institutions, support key areas of economic and social development such as manufacturing, science and technology, and weak financing links such as small and micro, agriculture, rural areas and farmers, and promote the balanced development of finance, real estate and the real economy.
What is the impact of "new mortgage regulations" on 202 1 property market?
The financial supervision authorities have said many times before that real estate is the biggest grey rhinoceros. In order to prevent risks and prevent real estate from occupying too many financial resources, China has established a macro-prudential policy for real estate finance since 2020, that is, through the supervision of financial institutions, it acts on the real estate industry. The previous "three red lines" were mainly aimed at the financing of housing enterprises, and this "new mortgage regulation" is aimed at the dependence of banks on real estate loans.
Controlling the mortgage ratio of banks, in theory, is to limit the normal business of banks, in fact, it is to prevent risks. The research report of Guo Sheng Securities shows that among the 34 listed banks that have used personal housing loans in the first half of 2020, the proportion of personal housing loans to RMB loans is 28.29%, and the proportion of mortgage loans to corporate real estate loans is 35.58. Among them, 2 1 bank can meet the existing ratio requirements, and the remaining 13 banks need to adjust their asset allocation structure in the future.
According to the Guangzhou Daily, some people in the real estate industry said that in the past two years, the "faucet" of real estate finance has been tightened continuously. While ensuring the just-needed, it is becoming more and more difficult for buyers to "leverage". Next, the "deleveraging" of the property market continues to become a trend.
Bank real estate loans are limited, will the mortgage interest rate become higher?
Starting from 202 1 1 1, some existing personal mortgage interest rates ushered in a re-pricing day. In 2020, the quoted market interest rate (LPR) of loans with a term of more than five years has been lowered twice, and the monthly supply of buyers who choose to price with LPR will change on 202 1. In the future, the mortgage based on LPR will "go with the market", and buyers can enjoy the reduction of monthly supply brought by the downward interest rate, and will also face the increase of repayment amount when the interest rate goes up.
The bank's personal housing loan ratio has set a rigid upper limit, and when the strictly controlled new loans are specific to each property buyer, the interest rate may theoretically rise slightly. In addition, judging from the trend of the national first-home mortgage interest rate in the past two and a half years, although the property market regulation has always maintained a high pressure trend in the past, the mortgage interest rate has maintained a downward trend in 2020, and it has not risen for 13 months; With the continuous supply of new commercial housing, the real estate market is booming in the short term, and the mortgage interest rate of "going with the market" has risen slightly.
Source: Rong 360 Big Data Research Institute
At present, the policy allows individual banks with greater downward pressure to be treated differently by extending the transition period; In addition, in order to support the vigorous development of the housing rental market, loans related to housing rental will not be included in the calculation of real estate loan ratio for the time being. However, from the future trend, even if the mortgage interest rate does not rise, it will be more difficult to get a mortgage. For friends who have the need and ability to buy a house, what you can do is: try as soon as possible!
New real estate policy 2022
1, special deduction of mortgage interest. Buyers who purchase the first home can enjoy a special additional deduction of housing loan interest, which is deducted according to the standard amount of 1 000 yuan per month, and the maximum deduction period is no more than 240 months.
2. The mortgage interest rate is lowered. If there is no house in the buyer's name, the interest rate can be lowered.
3. The subsidy for talents to buy houses is high.
4.* * * Property houses and various types of affordable housing entered the market on a large scale. * * * Individuals and countries with property rights each account for 50% of the property rights, and individuals only need to pay half the price of commercial housing, which is equivalent to reducing the cost of buying a house by half.
Is it appropriate to buy a house now?
Personally, I think it is appropriate to buy a house in 2022. Because in 20021,due to the change of supply and demand, the living space of real estate speculation is getting smaller and smaller, and real estate speculators who can't see the hope of rising house prices begin to sell their properties on a large scale, resulting in the continuous release of second-hand houses in the market. With the real estate speculators gradually withdrawing from the property market, there will be a serious oversupply phenomenon in the real estate industry in the future, and the property market will enter the buyer's market.
For the real estate market in 2022, the central bank has made it clear that it is necessary to implement a prudent management system for real estate finance to better meet the reasonable housing needs of buyers. Coincidentally, the Ministry of Housing and Urban-Rural Development has also made clear adjustments: ensuring the demand for rigid housing, meeting the reasonable demand for improved housing, and striving to stabilize land prices, housing prices and expectations.
How about buying a house now in the second half of 2022?
Yes, but you should pay attention to the following points:
First, buy a house to buy commercial housing, and avoid small property houses. Can't buy a small property right house. More than 90% people know, but 10% people don't know what a small property right house is, especially for first-time buyers. Faced with all kinds of rhetoric and "low price" of the intermediary, I couldn't resist the temptation to buy a small property right house and finally found myself a pick-up man. The only point of view of small property houses is "cheap". If the price of the same commercial house is 20,000 yuan/square meter, then the price of the small property right house should be between 3,000 yuan and 5,000 yuan/square meter. In this way, the "advantages" of small property houses are very prominent. Similarly, if you buy a house with a square meter of 100, the price of commercial housing is 2 million, and the price of a small property right house is only 300,000-500,000. Have the upper hand.
Secondly, when buying a house, try to choose an existing house and give up the auction first. What's the difference between an existing house and an auction house? In the current market, it is very popular to buy faster houses. It is not so much that buyers like it as that they have no choice. Since Li Ka-shing introduced the pre-sale system and public swimming pool area to the mainland, the pre-sale system has developed vigorously for more than 20 years, and the problem of uncompleted residential flats is common. Especially in the case of poor capital chain, it is likely that developers will run away and the property cannot be delivered. Since 2022, more and more real estate enterprises have gone bankrupt because of the broken capital chain, including many leading real estate enterprises and large real estate enterprises, such as Taihe, Fu Sheng and Huaxia Happiness.
Behind these enterprises, there are a large number of unfinished real estate projects and work stoppages. In this way, the house that the buyer has purchased and the purchase price paid for it will be gone immediately. In addition, in order to increase profits, many real estate companies will do some things on the quality of housing construction, such as lowering the standard of real estate and shoddy. It is estimated that many people have seen it: the promised greening rate is 45%, but there are actually only three trees; The artificial lake promised by the community is actually a plastic lake; China is everywhere. And if you choose an existing house, you can tell at a glance whether you like it or not.
Third, we should maintain a calm attitude towards the price reduction of housing enterprises. Will developers really cut prices? Zhi Wenjun reminded: It is possible, but the probability of winning is lower than buying lottery tickets. First of all, if there is really a good house with good quality and low price, relatives and friends of developers and salespeople will become the first buyers and will not transfer it to outsiders; Secondly, the discounts announced by developers may be mostly gimmicks, but in fact they are auction houses with poor huxing.
legal ground
Notice on Issues Related to Individual Housing Loan Policy Article 1 In order to improve living conditions, the minimum down payment ratio is adjusted to not less than 40% for households that own/kloc-0 apartments and have not repaid the corresponding housing loans. The specific down payment ratio and interest rate level shall be reasonably determined by banking financial institutions according to the borrower's credit status and repayment ability.
The latest national real estate policy 2022
The following are the new real estate policies:
1. business tax: individuals can be exempted from business tax if they transfer their houses for more than two years. Individuals who purchase houses for less than two years and sell them abroad will be subject to business tax.
2. Down payment ratio: the down payment ratio of second-hand housing loans has dropped to 40%. The Ministry of Urban and Rural Development and the China Banking Regulatory Commission jointly issued a notice to adjust the minimum down payment ratio of individual housing for purchasing a second house to over 40%.
The following is the information about the new real estate policy:
1. Strict evaluation: In the process of project approval, we must obey the overall urban planning and regional planning, fully respect the opinions of the planning department, and strictly evaluate the tenders and contracts.
2. Reasonable planning: Do a good job in the planning of each project, from market research, investment, land acquisition, commissioned design and construction to completion and delivery, we must make careful and meticulous planning, so as to achieve strategic planning and win a thousand miles. According to the planning results, the quality plan is prepared to guide the implementation of project development and construction, and ensure the quality index, construction period and cost of project development and construction are reasonable.
The introduction of the new policy on real estate loans ends here.