On April 22, the People's Bank of China authorized the National Interbank Funding Center to announce that the latest loan prime rate (LPR) is: 1-year LPR is 3.45%, and LPR over 5 years is 3.95%, both of which are consistent with the previous period.
Although the interest rate of personal mortgages is getting lower and lower, it seems that people are becoming more and more reluctant to take out loans to buy houses!
According to our previous chat with the staff of a branch of the four major banks in Hanjiang, in the first quarter of this year, their bank's new housing mortgage business loans in Hanjiang were only less than 50 million, compared with the data in units of 100 million yuan at the peak of the market, it can be said that it fell off a cliff.
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Personal mortgage business declined
The wait-and-see sentiment of buyers in Hanjiang is still serious
Of course, this is only the data of a bank in the Hanjiang sector, but from this data, we can also take a peek at the leopard, and the wait-and-see sentiment of Hanjiang buyers is still serious.
First of all, the competition in the Hanjiang market is still fierce, especially in the Xinhan area, although it has ushered in a highlight moment in the land auction market in 2021, but because of the imperfect supporting facilities in the plate, the inventory of new houses is large, and it is difficult to decentralize.
From our chat with the real estate consultant, we also learned that although the news of Hanjiang Wanda had attracted a lot of attention and there was a small peak of transactions, with the fading of the heat and the news that Wanda Plaza has not taken substantial action so far, after the customer was digested on a large scale, the plate fell into a serious involution again.
The Xinghan Shuidu plate is also not much better, and the impression of the center of Datang Lake in the plate is currently struggling because of the reasons for the developer's thunderstorms from time to time;
The biggest advantage of the project is the school, which is located in the Baitang Lake area. According to the documents, the plot is included in the Hanjiang District Experimental Kindergarten (Hanzhong Branch), Hanjiang Experimental Primary School and Putian Qinghuang Middle School Teaching Area, but it is currently subject to demolition and other factors, slow development, and lack of surrounding facilities.
As for Baoxia Water Charm Residence, its geographical location is destined to make most of the owners who are willing to buy the real estate on the plot in the future be buyers from the surrounding geographical areas, such as Handong Community, Jiangkou and other areas.
In fact, at present, the best in Hanjiang is Poly Tangyue, as a rare market in Tangbei in recent years, the project is surrounded by complete supporting facilities, and its performance in the Hanjiang property market has been very good, and it has repeatedly led the sales of Hanjiang since its launch.
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The property market in Hanjiang is tepid
Factors to find out why
Planning represents the revenge of a city. Although Hanjiang has always had the halo of "Little Shanghai" on its head, in fact, Hanjiang has lacked urban highlights and local characteristics in planning over the years. The advantages and disadvantages of urban construction planning are directly reflected in the housing prices of the area.
Because the price increase trend in Hanjiang is not obvious in recent years, and Hanjiang lacks bright spots in urban construction such as schools and commerce, buyers generally believe that the price of Hanjiang is now inflated.
At the same time, most of the Hanjiang home buying groups come from the surrounding areas, including Xinxian, Baisha and Qiulu and other geographical customers, the market is basically based on rigid demand, this part of the group has a relatively limited ability to buy homes for many times, and the demand has gradually decreased after these years.
In addition, in the past few years, the demolition and renovation of the main city, Tangbei and other areas have made many Hanjiang people have several sets of resettlement houses in their hands. These resettlement houses not only meet the housing needs of this part of the population, but also can be comparable to commercial housing in terms of geographical location. This also means that there is one less group of home buyers in the Hanjiang property market.
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Hanjiang in the sale of real estate dynamics at a glance
Turnips and cabbages have their own love
Next, let's take a look at the latest situation of major real estate for sale in Hanjiang. Here is a reminder to everyone, if you are out of self-living needs, then you can do what you can and rest assured.
If you are holding the mentality of investment, it is recommended to be cautious, as mentioned earlier, the Hanjiang market is mostly based on geographical housing groups, and there are relatively few groups of people who can take over, and the final landing of Hanjiang Wanda Plaza in the later stage will face the diversion and impact of second-hand houses in the main urban area of Hanjiang Tangbei and other new projects in the new Han plate, so it is recommended that investors should be prepared for long-term holding.
Poly Tangyue
Main unit type: 114-143㎡ three to four bedrooms
The average price of real estate: about 10,500 yuan/㎡
The latest developments: As a rare market in Tangbei in recent years, with the influence of Poly, Poly Tangyue has been performing well in the Hanjiang property market, and has repeatedly led the sales of Hanjiang since its launch.
At present, the project has a construction area of about 114-143 square meters, and the quasi-existing houses are on sale, and Area A has been delivered in September last year, and Area B is expected to be delivered this year.
Project address: next to Wal-Mart, Hanjiang, Putian
Gakushu
Main unit type: 3 to 4 bedrooms with a construction area of about 87-143 square meters
Average price: about 8,500 yuan/㎡ (rough)
The latest developments: The project has a construction area of about 87-143 square meters, and the new products will be launched, and the exhibition area will be grandly opened on May Day. The first payment only needs 60,000 yuan (10%) to read the real small/Qinghuang, buy this year and read this year (September).
Marketing Center: The first floor of Poly Development next to the bus station of Poly City, Chenghan East Avenue, Hanjiang District, Putian City (formerly Poly City Marketing Center)
Written by Jianfa Wen
Main unit type: 118-143㎡ four-bedroom
Average price: about 9,200 yuan/㎡ (rough)
The latest developments: C&D Wenzhu is located in the Xinhan area, occupying the "double dividend" brought by the intersection of the Tangbei plate and the university town plate, coupled with the blessing of the C&D brand and new Chinese style products, the project is highly sought after by buyers.
At present, the western-style houses and high-rise buildings of the project have been delivered ahead of schedule, with a construction area of about 118-143 square meters and high-rise buildings in the wide realm, and the first payment of 20,000 yuan to buy a C&D real view house is in full swing.
Project address: Intersection of Gaolin Street and Xipo Road, Hanjiang District, Putian City
Helenburgh Nine Joy House
Main unit type: 93-142㎡ three to four bedrooms
Average price: about 8,200 yuan/㎡ (rough)
The latest developments: The construction area of about 93-142 square meters of three to four bedrooms is on sale.
Project Address: Putian, Hanjiang, Gaolin Street East, Guohuan Road North (Old Xuejin Plot)
Zhengjiang Zhengfu
Main unit type: 94-120㎡ three to four bedrooms
Average price: about 10,000 yuan/㎡ (rough)
The latest developments: Hanjiang Zhengrong Mansion has a construction area of about 91-120 square meters with three to four bedrooms, and the quasi-existing houses are about to be delivered, with a total price of only 690,000 yuan.
Sales address: Putian, Hanjiang, Gaolin Street and Binhai Avenue intersection (next to Xuejin Stadium)
The capital of SDIC Xinhan
Main unit type: 94-120㎡ three to four bedrooms
均价：约0.76万/㎡（毛坯）
The latest developments: SDIC Xinhan Capital is developed by SDIC, and the current project has a construction area of about 111-120 square meters, and at the same time, 17# apartments with a construction area of about 40-80 square meters are also on sale.
Project address: Xinhan Industrial Concentration Zone, Hanjiang District, Putian City
Baoxia Water Charm Garden
Main unit type: three to four bedrooms with a construction area of about 96-133 square meters
Average price: about 9,500 yuan/㎡ (rough price limit)
The latest developments: Baoxia Water Charm Residence is located next to Xinhan Street, with a planned construction area of about 96-126 square meters of waterfront beautiful houses, 111-133 square meters of wide view and wide curtain two-ladder and two-family villas, and 279 square meters of single-ladder single-family villas, and the project positioning is improved.
At present, the project has entered the market, with a starting price of 6588 yuan/㎡, and I will buy this year to study in Qinghuang Middle School this year.
Project address: Intersection of Hanjiang People's Street and Huyuan Road, Putian, China
Tianhong Wenxi Terrace
Main unit type: 107-141㎡ 3 to 4 bedrooms
Average price: about 9,800 yuan/㎡
Latest developments: As the first new project of Beijing Tianhong state-owned enterprise in Putian, Tianhong Wenxi Terrace is located at the intersection of Liuyi West Road and Fulin Road in Hanjiang.
The project has a construction area of about 107-180 square meters, and the all-age smart community is on sale.
Project address: Intersection of Liuyi West Road and Fulin Road, Xinghan Shuidu, Hanjiang District, Putian City
Impression of the heart of Datang Lake
Main unit type: 110-136㎡ 3 to 4 bedrooms
Average price: about 9,800 yuan/㎡
The latest developments: The project is close to Liuyi West Road, with Gaolin Street, Fuxia Road and other main traffic roads next to it, making it convenient for traffic to enter and exit.
According to the real estate consultant, the project has a construction area of about 110-136 square meters, and three to four bedrooms are on sale.
Project address: Liuyi Road, Hanjiang, Xinghanshuidu, China