Business loan Shoufu ten years after the return to 22% Suites Shoufu minimum 30%- Sohu news-www.avtt.net

Business loan Shoufu ten years after the return to 22% Suites Shoufu minimum 30%- Sohu news without carrying out the restriction measures in the city, residents families for the purchase of ordinary housing commercial housing loans to individuals, in principle, the minimum down payment ratio of 25%, down 5 percentage points over the floating. In other words, the lowest down payment rate of the first suite can be reduced to 20%. For Beijing, Shanghai and other minority cities to implement the "restriction" measures, the individual housing loan policy is implemented according to the original provisions. After the first suite down to 20%, if you buy a set of 3 million yuan house, the monthly supply to increase 1818 yuan, the overall interest expenses more than 142 thousand and 500 yuan. The (reporter Cheng Jie) personal housing policy again relaxed. Yesterday, the central bank and the CBRC issued a notice in the implementation of the restriction measures in the city, residents’ families for the purchase of ordinary housing commercial housing loans to individuals, in principle, the minimum down payment ratio of 25%, down 5 percentage points over the floating; to have 1 sets of housing and the corresponding purchase loans outstanding households, the purchase of ordinary housing to improve the living conditions of re apply for commercial housing loans to individuals, to adjust the minimum down payment ratio is not less than 30%. However, for Beijing, Shanghai and other minority implementation of the "restriction" measures of the city, the individual housing loan policy implemented according to the original provisions. The notice said, the central bank and the CBRC dispatched institutions should be in accordance with the guidance, due to the policy of "principle, strengthen the communication with local government, to guide the market interest rate pricing mechanism combined with the local provincial autonomy of different city actual situation, determine the minimum area of the first independent commercial individual housing loan payment. Compared with the previous policy, the policy is the main part of the city’s first suite Shoufu ratio can be reduced to the lowest 20%, but before the general is 30%; two suite loans, if the first suite of loans outstanding, Shoufu ratio can be reduced to 30%, before the policy line is 40%, some place is the implementation of the 50%. Therefore, after the implementation of the policy, not limited to the purchase of regional residents, whether it is the first set or two sets, the down payment ratio can be reduced by 5%-10%, for some buyers can even reach 20%. It is worth noting that, after June 2006, the minimum down payment ratio of commercial loans for the first time back to 20%. Zheshang Bank yesterday first response to the central bank’s new deal. Zhejiang bank said that the purchase of ordinary housing for households, commercial housing loans to individuals for the lowest proportion of the first payment principle of 25%, the head office will determine the executable 20% minimum down payment ratio of the region according to the actual situation of each branch of the local real estate market; to have 1 housing units and the corresponding purchase loans outstanding in the household, to improve the living conditions of the purchase of ordinary housing, commercial individual housing loans, the first payment of the minimum ratio of 30%. Yang Hongxu, vice president of E-House Research Institute, said yesterday that the down payment threshold would be conducive to the demand and demand for the first change, especially for young people and young families whose income was not low, but the savings were not timely". This policy, therefore, stimulates ordinary housing demand. Zhang Yun has been in Beijing around the room under the deposit

商贷首付十年后再回两成 二套房首付最低30%-搜狐新闻 在不实施“限购”措施的城市,居民家庭首次购买普通住房的商业性个人住房贷款,原则上最低首付款比例为25%,各地可向下浮动5个百分点。也就是说,首套房首付比例最低可以降低至20%。   对于北京、上海等少数实施“限购”措施的城市,个人住房贷款政策按原规定执行。首套房首付降低到20%后,如果买一套300万元房子,月供要增加1818元,整体利息支出多了14.25万元。   本报讯(记者 程婕)个人房贷政策再次放宽。昨天,央行和银监会下发通知,在不实施“限购”措施的城市,居民家庭首次购买普通住房的商业性个人住房贷款,原则上最低首付款比例为25%,各地可向下浮动5个百分点;对拥有1套住房且相应购房贷款未结清的居民家庭,为改善居住条件再次申请商业性个人住房贷款购买普通住房,最低首付款比例调整为不低于30%。不过,对于北京、上海等少数实施“限购”措施的城市,个人住房贷款政策按原规定执行。   通知称,央行、银监会各派出机构应按照“分类指导,因地施策”的原则,加强与地方政府的沟通,指导各省级市场利率定价自律机制结合当地不同城市实际情况,自主确定辖区内商业性个人住房贷款的最低首付款比例。   与之前的政策相比,该政策主要是部分城市的首套房首付比例可以最低降低到20%,而之前普遍是30%;二套房贷款,如果首套房贷款未结清的,首付比例可以降为30%,之前政策底线是40%,有些地方执行的是50%。因此,此次政策执行后,不限购地区的居民买房,不论是首套还是二套,首付比例可以降低5%-10%,对某些购房人群甚至可以达到20%。值得关注的是,这是继2006年6月之后,商贷最低首付比例首次重回二成。   浙商银行昨天第一时间对央行新政作出回应。浙商银行表示,对居民家庭首次购买普通住房的,商业性个人住房贷款原则上首付款最低比例为25%,总行将根据各分行当地房地产市场实际情况确定可执行最低20%首付款比例的区域;对已拥有1套住房且相应购房贷款未结清的居民家庭,为改善居住条件购买普通住房的,商业性个人住房贷款首付款最低比例为30%。   易居研究院副院长杨红旭昨天表示,首付门槛降低,有利于刚需和首改需求入市,尤其是对于那些收入不低,但积蓄不多的年轻人、年轻家庭,可谓是“及时雨”。因此,这一政策刺激普通住宅需求。   已经在北京周边看好房下了定金的张先生昨天听到这个消息后,格外高兴。他看中了一套80万元的房子,首付必须30%,需要24万元。可他手里的资金不到20万,正发愁上哪里借钱补齐首付。“有了这个新政策,我这一成首付就不用愁了。就算首付降不到20%,降到25%我也可勉强应付,可以轻轻松松地过个年了。”   算账   套总价300万首付降至20% 月供多了1818元   北青报记者注意到,有不少业内人士认为,这一政策对促进购房者入市的影响可能并不太大,因为首付降低,在利率不变的情况下,则意味着月供增加,偿还银行的利息总额增加。   对首套房来说,目前普遍享受85折的优惠利率4.165%,如果100万元的房子,以前首付30%,需要30万,每月月供4303元,20年累计支付利息为33.27万元。现在首付最低能降至20%,只需要20万,但每月月供增加到4918元,增加606元,累计利息增至38.02万元,增加4.75万元,涨幅为14%。如果买一套300万元的房子,月供要增加1818元,整体利息支出多了14.25万元。   对二套房来说,由于房贷利率是基准利率的1.1倍,因首付降低导致月供和利息增长的幅度更大。一套100万元的房子,以前首付40%,需要40万元,月供4090元,总利息支出38.16万元;现在首付降至30%,只需30万元,但月供需要4772元,多了682元,20年需要支付利息44.52万元,增加了6.36万元,增长幅度为16.7%。如果买的是一套300万元的房子,每月月供要增加2046元,总利息要多支出18.98万元。   也正是如此,中原地产首席分析师张大伟认为,从结果看,根本上这一政策并未解决房地产需求的根本,对于购房者来说,贷款的利率并未降低,降低首付带来的是贷款压力的增加。从市场现实看,因首付降低刺激入市的购房者数量有限。不过,张大伟同时表示,从心理层面看,会刺激一波需求入市。   文 本报记者 程婕   影响   二线城市将是新政主要影响区   多位业内人士认为,此次首付降低只是中央经济工作会议以来化解房地产库存的第一步,信号意义明显,预计降准降息、财政补贴、税费优惠等政策将加速落地。   杨红旭认为,未来还会有其他宽松政策出台,进一步促进楼市复苏。2016年,全国楼市将继续回暖。经济学家马光远认为,首套房贷首付比例回到了20%,意味着房地产救市大幕拉开,从这次政策开始,中央各主管部门去库存的执行落实政策将会相继出台。   “政策持续宽松,但效果依然只出现在一、二线城市,虽然一线城市限购,不执行新首付政策,但心理影响大。二线城市将是新政策主要影响区域。”张大伟表示,预计后续各省都将针对房地产库存出台不同力度的政策,整体看,房地产市场有望在一季度迎接一轮密集的政策宽松。这种情况下,2016年市场分化的趋势将依然延续。   民生证券昨天发布最新研报认为,首付下调将水引入实体经济,强化金融机构对实体的信用派生。从事件看,央行促进资金进入实体经济的意图明显,除了房地产去库存,预期后续还有地方债加码置换、提高赤字等一系列提高资金风险偏好的措施出台,引导流动性进入实体经济。   文 本报记者 程婕   关注   首套房杠杆被放大到5倍?   那么,此次央行房贷首付新政的出台,到底意味着什么?是否意味着2016年新一轮楼市救市大幕正式开启?   就限购而言,目前,中国仅有四个一线城市,即北京、上海、深圳、广州,及一个旅游城市三亚仍执行限购措施(本地居民家庭不得购买第三套住房、非本地居民缴税满一定年限方可购房),其余曾经同样自2011 年开始执行限购措施的40个城市在去年7、8月份先后取消了该政策。   对于这次出台的新政策,市场的看法并不一致,有分析人士称利率不降低,光降首付难以刺激楼市,况且首付的降低也带来了杠杆的提升,这意味着,人们购买首套房的杠杆比率从原来的1:3.3升至1:5,为了“去库存”,相关部门一边让企业和资本市场去杠杆,一边给房地产行业加杠杆。   财经专栏作家、黄金钱包首席研究员肖磊称,整个经济在调整,房地产市场不可能独善其身,去产能是一个长期的过程;首付比例持续降低利弊参半,利在于刺激需求,但弊在于增大了购房者还款压力。长期看拯救房地产市场在于降息和减税,以及创造更多就业,而不是加杠杆。本质上看,20%首付款购房,实际上就是将“炒房”杠杆放大至五倍,跟配资炒股道理一样。   研究股市“婴儿底”的英大证券首席经济学家李大霄也罕见关注楼市:这是支持合理住房消费的利好政策,对于促进房地产市场平稳健康发展有正面影响,对于稳定房地产市场和去库存有正面作用,对于房地产股票有重要支持,对于股市稳定也有重要意义。   文 本报记者 朱开云相关的主题文章: