1. What is the interest rate for the first home loan of the provident fund loan family? What is the interest rate for the second home loan? ...
The maximum provident fund loan is 3,, and the annual interest rate is 4.5
2. What is the interest rate of the provident fund?
The current interest rate of provident fund loans was adjusted and implemented on October 24th, 215. The interest rate of provident fund loans for more than five years is 3.25%, the monthly interest rate is 3.25%/12, and the interest rate of provident fund loans for five years and below is 2.75% per annum, which is the same in the whole country.
commercial loans: (1) the loan interest rate is related to the loan purpose, loan nature, loan term, loan policy and different loan banks. The state sets the benchmark interest rate, and banks determine the differential loan interest rate according to various factors, that is, floating up or down on the basis. The current benchmark interest rate was adjusted and implemented on July 6, 212. The types and annual interest rates are as follows: ① Short-term loans are 5.6% for six months (inclusive); ② 6% from six months to one year (inclusive); ③ One to three years (inclusive) 6.15%; ④ Three to five years (inclusive) 6.4%; ⑤ More than five years, 6.55%. (2) Mortgage is a bank loan interest rate that is comprehensively evaluated according to the credit situation of the loan, and the loan interest rate level is determined according to the credit situation, collateral, national policy (whether it is the first suite or not). If all aspects are well evaluated, the mortgage interest rates implemented by different banks are different. In 211, due to financial constraints and other reasons, the loan interest rate for the first suite of some banks was 1.1 times or 1.5 times the benchmark interest rate.
since 212, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. In early April, the bank began to implement the first home loan interest rate concessions. The maximum interest rate discount of some banks can reach 15%. The interest rate after 15% discount for more than five years is 6.55%.85=5.5675%, which has been tightened since the third quarter and the beginning of 213 due to the shortage of funds and insufficient credit funds. The interest rate of the first suite is generally between the benchmark interest rate and 15% discount.
third, add another city! Reduce the interest rate of the first set of personal housing provident fund loans in many places
Reduce the interest rate of the first set of personal housing provident fund loans and add another city. The "Chongqing Provident Fund Center" micro-signal issued a notice on the 11th. From October 1st, 222, the interest rate of the first individual housing provident fund loan will be lowered by .15 percentage points. Specifically, the new policy of Chongqing provident fund loans stipulates that the first set of individual housing provident fund loans will be issued on October 1, 222: the adjusted interest rate will be implemented, that is, the interest rate of individual housing provident fund loans for less than five years (including five years) will be 2.6%; The loan interest rate of individual housing provident fund for more than five years is 3.1%. The first set of personal housing provident fund loans issued before October 1, 222: if the loan term is within one year (including one year), the original contract interest rate will still be implemented; If the loan term is more than one year, the original contract interest rate will still be implemented before January 1, 223, and the adjusted interest rate will be implemented from January 1, 223. According to the notice, the interest rate policy of the second set of individual housing provident fund loans in Chongqing remains unchanged, that is, the interest rates for less than five years (including five years) and more than five years are 3.25% and 3.575% respectively. In October, many notices have been issued about lowering the interest rate of the first set of personal housing provident fund loans. According to incomplete statistics, Beijing, Hangzhou, Nanjing, Jiaxing, Huzhou, Ningbo, Dongguan, Wuxi, Zhengzhou, Nanning, Shijiazhuang, Tianshui, Jilin, Chengdu, Luzhou, Xiangyang, Yichang, Huangshi, Jingzhou, Suizhou, Enshi, Xiantao, Tianmen, Nanchang, Harbin, Hefei, Maanshan and the whole province of Hainan Province have previously released relevant information. Many housing provident fund management centers have indicated that the first set of personal housing provident fund loans issued after October 1 this year (inclusive) will be implemented at the adjusted new interest rate; For the first set of personal housing provident fund loans that have been issued before October 1, 223, they will be implemented at the adjusted new interest rate. Yan Yuejin, research director of the think tank center of Yiju Research Institute, pointed out that the adjustment of housing provident fund policies in various places generally does not belong to the operation of "one city, one policy" in various places, and it is more reflected in the central bank's New Deal. After that, all localities actively responded and communicated. From the perspective of all localities, the reduction of the interest rate of the provident fund based on national unity and the increase of the amount of the provident fund in all localities, the purchase of a house by one person to help the whole family, and the transfer of business to the public will objectively help to further enhance the attractiveness of the provident fund to the purchase of houses, and also help to boost the trading market in the fourth quarter. On the evening of September 3th, the central bank announced that it decided to reduce the interest rate of the first set of personal housing provident fund loans by .15 percentage points from October 1st, 222, and adjust the interest rates for less than five years (including five years) and more than five years to 2.6% and 3.1% respectively. The second set of personal housing provident fund loan interest rate policy remains unchanged, that is, the interest rates for less than five years (including five years) and more than five years are not less than 3.25% and 3.575% respectively. Regarding the central bank's move, Yang Delong, chief economist of Qianhai Open Source Fund, said that the central bank lowered the interest rate of the first set of personal housing provident fund loans, mainly for the real estate market sales, but also to meet the needs of the first suite. It has a certain positive effect on the real estate sector, which also releases a positive economic signal, because real estate is an important economic pillar industry, and releasing favorable policies for real estate is conducive to economic recovery. At the end of September, the Ministry of Finance and the State Administration of Taxation announced that taxpayers who sold their own houses and repurchased their houses in the market within one year after the sale of their existing houses would be given preferential tax refund for the personal income tax paid for the sale of their existing houses. The Central Bank and China Banking and Insurance Regulatory Commission also informed that eligible city governments can independently decide to maintain, reduce or cancel the lower interest rate limit of the first home loan issued locally by the end of 222. Yan Yuejin said that the recent big move to stabilize the property market will boost the real estate market in the fourth quarter.
fourth, the new policy of stabilizing the property market in many places is beneficial to reasonable demand, and the "red line" of the policy is still
on April 12, Nanxin confirmed that from that day on, Liuhe District, a foreign city, restricted the purchase of a house, and with the household registration book, ID card and marriage certificate, married families can go to the local area to issue proof of purchase. That is to say, Liuhe District is < P > Lishui District of Nanjing has also introduced the same policy. At this point, two districts in Nanjing have already released their qualifications for purchasing houses to foreign household registration.
on April 11th, Suzhou also adjusted the policies of restricting purchases and sales. Among them, families in the restricted period of second-hand houses apply for the purchase of the first set of houses in Suzhou City, Kunshan City and Taicang City, and the continuous payment for 24 months is changed to 24 months.
under the idea of one city, one policy, the policy is adjusted. Among them, the "five-limit" policy represented by purchase restriction and sales restriction shows the support of the policy to the demand side.
The restriction on the purchase of real estate, the restriction on loans and the restriction on sales is the most stringent restrictive purchase policy at present, and the superposition of "five restrictions" is also considered as an important symbol of the last round of property market regulation. Analysts believe that "the subtle shift of regulatory policies from suppression to support. But at the same time, in order to prevent the market from overheating, the policy of "red
strong second-tier cities
the adjustment of property market policies in Nanjing and Suzhou is the epitome of optimizing the property market environment in the near future. According to incomplete statistics, nearly 7 cities have issued a new policy to stabilize the property market in 222. Since April alone, nearly 1 cities have introduced different policies to stabilize the real estate market.
From the policy content, it mainly shows as reducing the minimum down payment ratio, lowering the amount of mortgage interest, and increasing the introduction of talents
Among them, there are precedents for adjusting the policies of restricting purchases and sales. At the end of March, a family from Fuzhou (including Hong Kong, Macao and Taiwan) bought a house in the five districts of Fuzhou, and they could buy a set of 144 flat
sales restriction policy in the five districts of Fuzhou without providing medical social security or tax payment certificates for 12 months in the last two years. At the end of March, Harbin cancelled the main city and the provincial capital city that cancelled the sales restriction policy for nearly four years.
Prior to this, Jining City, Shandong Province cancelled the restrictions on the "restricted sale" of second-hand houses; Jimo District of Qingdao will also limit the transaction of new houses to one year, and the second-hand houses will be changed from five years to two years. On April 1st, Quzhou issued a notice to optimize the policies of restricting purchases and sales, which became the first time in China to cancel the restrictions at the same time this year < P > "The significance of the adjustment of Nanjing and Suzhou is that it means that the adjustment of restrictive policies on the property market has been extended to strong second-tier cities." Yan Yuejin, research director of think tank center of Yiju Research Institute, told 21st century business herald that Zhengzhou and Hal, which had made similar adjustments before, should be among the second-tier or weak second-tier cities.
in addition to the adjustment of the policies of restricting purchases and sales, the policy of restricting loans has also been relaxed with the adjustment of credit policies. Recently, many cities have lowered the minimum down payment ratio and raised the amount of provident fund loans, while Zhengzhou, Lanzhou and other cities have cancelled "recognizing housing and recognizing loans", which are all considered as rational adjustments to the loan restriction policy.
In terms of price limit, many real estate developers told 21st century business herald that since the beginning of this year, hot cities have generally relaxed the control over the pre-sale price of new houses, but the price increase has not been reflected in the transaction level because the purchasing power has not fully recovered.
at this point, the "five restrictions" policy, except the "business restriction" has not been substantially adjusted, the other four restrictive policies have been adjusted to a certain extent.
Yan Yuejin said that in this round of property market regulation that began in 217, the superposition of "five limits" is the most important representative policy, and it also constitutes the most restrictive housing purchase policy in China. The adjustment of the "five limits" also means that the restrictions on the demand side are being relaxed conditionally.
The "red line" of policy is still
The shift of regulatory policies to support demand has already begun. The Central Economic Work Conference held in December last year pointed out that the commercial housing market should be supported to better meet the reasonable housing needs of buyers. Since then, many regulatory authorities have made similar statements, and local governments have successively introduced relevant favorable policies.
in 222, supporting reasonable demand has become one of the main themes of local property market policies. Among them, in addition to rigid demand, improved demand is also welcoming. Recently, measures that have attracted much attention, such as encouraging the elderly to vote for their relatives and support the elderly, canceling "recognizing housing and loans", and relaxing the purchase restriction for two-child and three-child families, are all aimed at supporting the improved demand.
Yan Yuejin pointed out that China is still in the stage of rapid urban development, and the demand for housing is relatively strong. However, from the perspective of demand stratification, some big cities have entered the stage of improving demand. The satisfaction of these needs is of great significance to stabilizing the property market.
judging from the market trend, due to various reasons, it will take time for these policies to take effect.
On March 1st, Zhengzhou issued the Notice on Promoting the Benign Cycle and Healthy Development of the Real Estate Industry, which introduced 19 measures to stabilize the property market in five aspects: supporting reasonable housing demand, improving housing market supply, increasing credit financing support, promoting the construction and transformation of resettlement houses, and optimizing the real estate market environment. Due to its strong support, Zhengzhou was once called "the first city to lower the threshold for improving demand loans".
Chen Wenjing, director of market research in the Index Division of the Central Finger Research Institute, pointed out that after the introduction of the policy, the number of visitors to Zhengzhou's new houses increased, especially the transformation of core quality projects improved. According to preliminary statistics, the transaction scale in Zhou Du increased in March. Under the low base in February, the average transaction area in March increased by about 5% compared with that in February, but compared with the level in the middle of last year, the transaction scale still has a certain distance.
in addition, according to the 1-city price index of China's real estate index system, in March, 222, the price of newly-built houses in Zhengzhou dropped by .27% and the price of second-hand houses rose by .6%. "It will take time for the policy to be obviously effective." Chen Wenjing said.
Chen Wenjing pointed out that adjusting the "five limits" policy and introducing relevant measures to optimize the property market environment will be the main direction of property market regulation in the future. However, the trend of the property market is affected by multiple factors. Under the current situation, the recovery pace of the market may not be too fast.
nevertheless, in the face of the possible excessive rebound of the market caused by policy adjustment, there have been vigilant voices. On April 11th, the Economic Daily article pointed out that the notice issued by the Ministry of Education a few days ago to do a good job in enrolling students in ordinary primary and secondary schools made it clear that where educational resources are relatively balanced, it is encouraged to gradually implement single-school scribing; Where educational resources are not balanced enough, actively and steadily promote multi-school scribing. According to this, some market participants believe that the school district housing price will usher in a new round of rise.
The article said that this view deserves vigilance. It is not an expedient measure to curb the chaos in school districts, but it takes a long time to prevent the wind of speculation in school districts from coming back.
Yan Yuejin believes that this also reflects that there is still a "red line" in the property market policy. Signals from key areas such as school districts and high-priced land may become alarms that trigger the "red line". In the context of the gradual release of reasonable demand and the recovery of the market, attempts to break through the "red line" in the name of encouraging demand will still be restricted.