Polar Journalist Liu Yan
Recently, with the real estate policy package of real estate policies such as the downgraded payment, survival mortgage interest rate, etc.There are signs of recovery in the transaction, the market confidence is boosted, and the heat has risen.
Jimu Journalists have been informed that at present, the latest mortgage interest rates in most cities including Wuhan City, including Wuhan City, decreased from about 3.2%to 3.1%.
The minimum down payment ratio of mortgage mortgage is unified to 15%
On May 22, the Hubei Provincial Department of Housing and Construction and the Provincial Department of Finance, the Provincial Department of Natural Resources, the Peoples Bank of China Hubei Branch, and the Hubei Supervision Bureau of the State Financial Supervision Bureau issued the "Several Measures on Further Promoting the Stable and Healthy Development of the Real Estate Market".From 10 aspects of cancellation of restrictions on house purchase, reducing the threshold for buying houses, increasing financial support, increasing fiscal and tax support, and promoting the "replacement of old new" in housing, it is released.
As a number of policies are superimposed, the proportion of housing down payment ratio is also freely reasonable.It is understood that starting from October 1, 2024, the commercial personal housing loan will no longer distinguish between the first and second suits for residents who purchase housing in the cities and states (forest areas) in Hubei Province, with a uniform down payment ratio of 15%.
Industry insiders said that reducing the proportion of down payment means directly reduced the threshold for buying funds, reducing the initial funding pressure of home buyers, conducive to expanding the buyable group, and activating the potential needs of the market.
The launch of a series of "combination boxing", whether it is a home buyer or the entire real estate market, has brought real benefits and changes.The reporter was informed that in October, the total transaction volume of new commercial housing and second -hand housing in Hubei Province increased by 4.6%year -on -year. The monthly transaction volume of new houses in Wuhan has exceeded 10,000 sets this year.
Batch low -down stock loan interest rate
For the time being, the financial institutions in Hubei Province have reduced the implementation interest rate higher than the loan market quotation interest rate (LPR) -30bp existing mortgage (including the first, two sets and above) to LPR-30bp in batches.The deconter of 0.34 percentage points benefited more than 243 households and 7.29 million households in our province, and the average annual reduction of family interest expenses was about 3 billion yuan.
Industry insiders pointed out that due to the different repayment days, the interest rates of different borrowers will be different after adjustment.After the price is redo, it will show the decline in the latest loan market quotation interest rate, and the interest rate of borrower will be adjusted to the same level.On the redo -price date, according to the latest loan market quotation interest rate, these batch -adjusted stock mortgage interest rates will eventually be reduced to 3.3%.The adjustment of the interest rate of the stock mortgage can greatly reduce the monthly supply and interest burden of the borrower, improve its cash flow constraints, improve its expected income, and ensure their spending capacity.
In addition, industry insiders told reporters, "As the major banks have released the normalized adjustment rules of the interest rate of stock mortgages one after another, there are concerns that buyers have continued to increase the spread of new and old mortgages after buying houses.It is conducive to stabilizing market expectations.On October 31, the Peoples Bank of China released the nations newly issued commercial personal housing loan with a weighted average interest rate of 3.33%in the third quarter of 2024, a decrease of 0.12 percentage points from the end of the second quarter, a new low of statistics.
The reporter learned that in the third quarter, Hubeis newly issued mortgage interest rate was 0.14 percentage points lower than the national average, which was 3.19%, and it was also at the lowest level.
With the decline of LPR on October 21, Hubei Province is currently decreased from about 3.2%to about 3.1%from the previous previous 3.2%EssenceThe reporter consulted the relevant bank experts and learned that the operating cost was an important consideration for the banks reasonable determination of the mortgage interest rate in addition to the guidance of policy interest rates.
According to the calculation of multiple banks, after considering the cost of funds, risks, operations, capital, taxation, etc.The interest rate of mortgages is significantly lower than 3%.The main banks in Hubei Province have determined the new mortgage interest rate at about 3.1%. It is a market -based decision -making based on the market environment and business stability, which is conducive to promoting the sustainable and healthy development of the market.
Help to ensure affordable housing construction
At the end of September, the Peoples Bank of China issued a notice to optimize the affordable housing and then optimize againRelevant requirements for loans, for loans that meet the requirements of financial institutions, the proportion of the Peoples Bank of China to financial institutions to financial institutions has increased from 60%of the loan principal to 100%, further enhancing the market -oriented incentives of financial institutions and the acquisition entities.
Industry experts said that this move will promote the expansion of affordable housing loans, help promote the inventory of commercial housing, increase the supply of affordable housing, and support the construction of a new model of real estate development, which is betterMeet the demand for housing in groups of wage income groups.
According to the person in charge of the Hubei Branch of the Peoples Bank of China, the financial institutions of Hubei Province have accumulated 2.42 billion yuan in credit housing related projects for 18 guarantee housing projects, which are related to Wuhan and Huangshi City.The project invested 570 million yuan.
"On the whole, a number of new real estate finance policies that have recently landed have a positive impact on the market.The good situation of stabilizing and warm -up is becoming more and more prominent. "Some experts in the real estate industry told reporters that the market conditions in the fourth quarter are worth looking forward to.
(Source: Polar News)
