Wuhan since September 1st the implementation of the loan limit two suites down payment ratio increas-iptd-651

Wuhan since September 1st the implementation of the credit limit of two suites Shoufu ratio increased to 40% in Wuhan since September 1st the implementation of the credit limit of two suites Shoufu ratio increased to 40% source: Sports Network Network News (reporter Li Ke) the evening of August 31st, the people’s Bank of Wuhan branch and Chinese China Banking Regulatory Commission Hubei Bureau jointly issued the "people’s Bank of China Wuhan branch of Hubei Banking Bureau of Wuhan city on the adjustment of the differential housing credit policy notice" (hereinafter referred to as the "notice"), Wuhan will be from September 1st to implement the credit limit policy, recently become after Xiamen after a second tier city credit limit. "Notice" pointed out that, in Wuhan city has 1 sets of housing families, again apply for personal housing loans to buy commercial housing, the minimum loan down payment ratio is 40%. In Wuhan city has 2 sets of housing and more, and have settled the corresponding purchase loans, or 1 families of housing loans are not settled, again apply for personal housing loans to buy commercial housing, the minimum loan down payment ratio is 40%. In Wuhan has 2 sets of housing and more than 2 housing loans are not settled households, again apply for personal housing loans to buy commercial housing, continue to suspend the corresponding purchase loans. The "notice" the execution time for the September 1st, has already signed subscription book and the delivery of the deposit or the delivery of the first payment, but not formally signed the contract households purchase behavior, such as providing subscription agreement and deposit of electronic Jinzhangchan originals, or provide the first payment of the original electronic Jinzhangchan, while the lowest proportion of the first payment according to the original the implementation of the provisions. In addition, the "notice" applies only to the riverbank, Jianghan, Hanyang, Wuchang, Qiaokou, Qingshan, Hongshan 7 ring within the city center and the Wuhan economic and Technological Development Zone (excluding Hannan District), East Lake tourism scenic area of East Lake New Technology Development Zone, the housing transactions involving the commercial individual housing loan business for Dongxihu, Caidian, Jiangxia, Huangpi, Xinzhou, Hannan, 6 three ring outside the far city housing transactions, there is no restrictions. Ms. Shen, Wuhan residents believe that the policy is too strict credit limit: "the upper limit of the purchase is two sets, now only let buy a set."." Market analysis, the "notice" provisions "in the city of Wuhan has 1 sets of housing households, to apply for individual housing loans for the purchase of housing loans, the minimum down payment ratio of 40%, means that standard two sets of Wuhan City Center for housing loan does not recognize, improve the threshold of the purchase of two suites, to improve the type of buyers will have a certain impact, but the two suite loans Shoufu ratio is not much. "If the last round of regulation is more of the behavior of the state, this round of regulation is mainly manifested in local behavior, compared to much more gentle soft, limited to the loan is not limited to buy." Dong Dengxin, director of the Institute of financial securities of Wuhan University of Science and Technology, believes that. The last round of regulation, in the march of skyrocketing housing prices, the current round of regulation is based on prices in the short term rise. In addition, the early bank loans have been too fierce, the supervision of a certain degree of absence, making the financial market appeared the first payment of loans and other similar products, regulation to some extent also reduced the financial risk. Dong Dengxin believes that the Wuhan limit theory

武汉9月1日起实行限贷 二套房首付比例提高至四成   武汉9月1日起实行限贷 二套房首付比例提高至四成   来源:荆楚网   荆楚网消息(记者李柯)8月31日晚间,中国人民银行武汉分行及中国银行业监督管理委员会湖北监管局联合下发《中国人民银行武汉分行湖北银监局关于调整武汉市差别化住房信贷政策通知》(以下简称《通知》),武汉将于9月1日起实行限贷政策,成为近期继厦门之后又一个限贷二线城市。   《通知》中指出,在武汉市拥有1套住房的居民家庭,再次申请个人住房贷款购买商品住房,贷款最低首付比例为40%。在武汉市拥有2套及以上住房并已结清相应购房贷款或还有1套住房贷款未结清的居民家庭,再次申请个人住房贷款购买商品住房,贷款最低首付比例为40%。在武汉市拥有2套及以上住房且有2套住房贷款未结清的居民家庭,再次申请个人住房贷款购买商品住房,继续暂停发放相应购房贷款。   《通知》执行时间为9月1日,在此之前已签订认购书且交付定金或已交付首付款,但未正式网签合同的居民家庭购房行为,如能提供认购书及定金电子进账单原件、或能提供首付款电子进账单原件,则最低首付款比例仍按原规定执行。   另,《通知》仅适用于江岸、江汉、硚口、汉阳、武昌、青山、洪山等7个三环内中心城区及武汉经济技术开发区(不含汉南区)、东湖新技术开发区、东湖生态旅游风景区发生的住房交易涉及的商业性个人住房贷款业务,对于东西湖、蔡甸、江夏、黄陂、新洲、汉南等6个三环线外远城区的住房交易,未作限定。   武汉市民沈女士认为,此次限贷政策过于严格:“上轮限购都是两套,现在只让买一套了。”   市场人士分析,《通知》中规定“在武汉市拥有1套住房的居民家庭,再次申请个人住房贷款购买商品住房,贷款最低首付比例为40%”,意味着武汉中心城区二套房的认定标准为认房不认贷,提高了购买二套房的门槛,对于改善型购房者会产生一定影响,好在二套房贷款首付比例提高并不多。   “如果说上一轮调控更多属于国家行为,这一轮调控则主要表现为地方行为,力度相比也大大温柔许多,只限贷不限购。”武汉科技大学金融证券研究所所长董登新认为。   上一轮调控,针对的是长驱直入的房价暴涨,本轮调控则基于房价在短期内的上涨。此外,前期银行房贷投放过猛、监管一定程度缺位,使得金融市场出现了首付贷等类似产品,调控一定程度上也降低了金融风险。   董登新认为,此次武汉限贷针对的主要是少量囤房的群体,对于首套房刚性需求基本不存在影响,对于真正有实力购买多套住房的人来说影响也不大。因而可以说是“有节制、有弹性、可承受”的楼市新政,对于房价的调节作用不会太大。   董登新也指出,房价高企,市场追高,根源在于市场上流动的资金太多,“找不到更好的投资渠道,所以才会涌向房地产市场。”而只有发展实体经济,社会投资之门才会真正打开。 进入【新浪财经股吧】讨论相关的主题文章: