There is good news from the property market, Guangdong's Shuangxiong Guangzhou and Shenzhen have successively announced that "recognizing housing without recognizing loans", here, we must first clarify what is "recognizing houses without loans", "recognizing houses without loans" means that if the buyer does not have a house in his name, regardless of whether the buyer has a loan record, it will be identified according to the first house; If the buyer already has a house in his name, regardless of whether the loan is taken out or not, whether the loan has been repaid or not, and the repurchase of the house is determined as a second house; This means that the bank handles the loan when buying a house, and the buyer's historical loan record will no longer be considered.
Everyone should know that before the introduction of "house recognition but not loan", as long as there is a housing loan record, even if the loan of the first house has been repaid, when the purchase of a house is replaced, it will still be recognized as the second house, and then a higher proportion of down payment and mortgage interest rate will be implemented.
Let's take a look at the changes in the down payment for buying a house, Guangzhou, Shenzhen, two first-tier cities, before the implementation of "house recognition but not loan", the down payment ratio of ordinary residential second houses is about 70%, which is 40-45% higher than the down payment of the first house, so what happens after the implementation of "house recognition without loan"? The down payment ratio of the second house can be reduced to about 30%, and the down payment ratio and loan interest rate of the first house can be reduced, which will significantly reduce the pressure of the improvement group to buy a house, and promote the property market, which is indeed a positive.
After Guangzhou and Shenzhen implement "housing without loans", other cities will most likely follow up with "housing without loans", which can promote the recovery of the national property market market.
In addition to the aforementioned recognition of housing and non-recognition of loans, the good news in the property market is also to reduce interest rates, cancel purchase restrictions, and reduce the down payment ratio of second-house provident fund loans.
The good news in the real estate market is one after another, the good news mainly focuses on the purchase interest rate, purchase conditions, provident fund, etc., but the most important, the most concerned house price of the people, the real estate related management department has never said to let the house price fall. Under the circumstance that "the property market is full of good news and house prices are not falling", you say that in September and October this year, with the blessing of the Mid-Autumn Festival and National Day double holiday and the peak season of engagement and marriage, is there a drama in the "golden nine silver ten" of the real estate market?