Beijing Suburbs Of Beijing To Implement The Most Stringent Regulation Of Secondary Mortgage Policy P

The first set of non-local residence 5 percent down payment

, interest rate 85 fold , two sets of 6-7 percent down payment , interest rate 1.1-1.2 times , which is close to Beijing, Hebei Yanjiao , Xianghe , Langfang , Gu'an other places , the recent purchase for foreigners Implemented so far called the most severe restrictions.

Hebei Province and Beijing bordering the strip in March this year since the area of real estate speculation one of the most crazy . In less than 6 months , the average price of commercial housing Yanjiao from 5,000 yuan / square meter up to 8,000 yuan / square meter , a number of properties for sale break million mark .

Some observers of , with the property market in August to pick up, Hebei and other places severe Yanjiao mortgage policy, does not rule out the possibility for other cities to follow the object , even a rehearsal for the real estate market the next wave of regulation . For some time , purchase discount rate will be the normal exit or .

The first set of the first outsiders Fu Wucheng

" Two percent down payment ? it was last year , now it is five percent . " Sept. 9 , on the city , such as Galaxy Haoyue Yanjiao 8 in the sale of properties for sale all over the sales staff said to the reporter , and now Yanjiao buy a house , if not a local, or whether the first two sets of suites , multi- sets need to be the first Fuwu Cheng (inclusive) or more of the .

According to the Department of housing construction , the central bank , China Banking Regulatory Commission in June for the mortgage New Deal The circular called for Bu Neng over local tax of 1 -year certificate or social insurance contributions that the non-resident , Shen Qing Zhufangdaikuan , the loans were An second ( and more ) The differential housing credit policy implementation .

Reporter from Yanjiao Industrial and Commercial Bank of China , Agricultural Bank of China showed that the current outsiders in Yanjiao buy a house, are the implementation of the first set , two sets of 50% down payment , interest rate 1.1 times , CCB is the first set of 50% down payment , interest rate 1.1 times , 2 Cover 60% down payment , interest rate 1.2 times , Bank of China is the first set of two sets of 50% down payment , interest rate 1.1 times , three sets of 60% down payment rate 1.2 times .

Hebei, said a person in a commercial bank , the first in early July of this policy started in Hebei Province , the bank carried out the other banks Gen Jin , although the interest rate be distinct from the first suite down payment up to half from Du .

"This is the most stringent policy on the mortgage . " Vanke Beijing Jin Xiao , director of marketing , said , although restrictions on foreigners purchasing Beijing , but can provide more than one year as long as social security or tax that are can be done Two or three percent of the down payment .

Centaline Dawei , director of Beijing three markets that generally buy a house in the Yanjiao who are working in Beijing and overseas investors off , not likely to open up to social security or tax that so severely restricted , prices fell Yanjiao Can be expected .

For example, he said , a 100 square meters of commercial housing , previously only two percent down payment , 20 million people, a lot of small white-collar workers in Beijing can be purchased with savings , which is the root cause of Yanjiao popular ; and beyond the minimum required down payment 500 000 This figure , you can buy a 1.5 million yuan Beijing down payment of real estate . The proportion of foreign investment in Yanjiao very high , this part of the two sets of buyers is more than most , since the basic difficulty in lending .

Yanjiao prices tumbling down 4000

Yanjiao , the administrative Sanhe City , Hebei Province , bordering with the Tongzhou District of Beijing from the Beijing International Trade is only 30 minutes by car . Since 2005 , Yanjiao become buyers of the concentration of Peking Man , or even heard time and again , " Yanjiao will be incorporated into Beijing , " the rumors , seen as a piece of Beijing " enclave . "

Since March of this year , Beijing Tongzhou District, announced by the impact of new town planning , housing prices from 15,000 yuan / square meter rose to 25,000 yuan / square meters, close to the Tongzhou Yanjiao also affected by stimulation, rates from less than 5,000 yuan / Square meters, flew to 8,000 yuan / square meters , a lot of breakthroughs million average price of flats , or even more than in Tongzhou .

Local official figures , Yanjiao local residents 2,000 yuan per capita monthly income of up and down , however , the local property market, mainly from Beijing and in the field of purchasing power support .

The same situation appears in the Beijing suburb of Xianghe , Langfang , Gu'an , etc. , these areas over the past few years, Beijingers are also buyers and investors of the hot spot . Since 2007 , developers have access to many famous domestic Xianghe , Shanghai 's real estate green green mansion in Xianghe sold 4,500 yuan / square meter ; Beijing, many second and third line property developers such as the Radiant Group, then retreated to Beijing Royal real estate Langfang, Gu'an , in this enclosure , located in Langfang city sold 19 Radiant 8,000 yuan / square meter ; and Gu'an townhouse located in the city peacock more than 100 million were offered for a price .

After the implementation in the New Deal , prices shot up this momentum has been initially contained . Beijing Zhongyuan Real Estate statistics show that the commercial housing price Yanjiao significantly reduced recently , many projects more than 20% price reduction . As the city three or four thousand dollars by the end of last year 's average price of 3,4 months of this year soared to 11,000 yuan / square meter , now down to 7,000 yuan / square meter , day foreign city by the end of last year rose to 11,800 yuan to 6,000 yuan after Recently reduced to about 7,800 yuan / square meter .

The first suite offers out into normal ?

The next concern is the severe restriction is in Hebei will be the next wave of regulation of miniature preview of the property market ?

Control the property market during the four months later, is now in complex and delicate "middle "stage. In August , more than the national first-tier cities both commercial housing turnover and prices rebound , Beijing, Shanghai , Shenzhen, average transaction price back above 20,000 . The regulation concerns the effectiveness of the show , the second regulation is expected to put strong .

" Yanjiao property market volume and price can be expected or has been , and continue to occur if the irrational market rebound , a number of other cities are likely to appear first suite policy continued to tighten . " Dawei analysis said .

Starting from August , Beijing announced a number of commercial banks , on the second suite Standards, identified as " recognition has recognized the Housing Loan "; early September , Beijing re- tighten monetary policy mortgage Eighty per cent of banks have canceled the first suite Qizhe rate Now about 8.5 fold .

I love my family , said Hu Jinghui , vice president , from the control have started with the abolition of 7 discounts , but there are a considerable number of banks can apply down into in August approved the following applications be difficult .

Hu Jinghui analysis, in this regard with the amount of the bank lending , on the other hand may also be interested in tightening measures , " in the implementation of strict lending level of stealth . "

Xi'an branch of the Bank of China have also said that early in the 6,7 month, Xi'an Commercial Bank started the implementation of the 3 percent down payment , interest rate discount of 85 fold or even nine mortgage policy .

Dawei that , while there is no adjustment of the central bank benchmark interest rate , but home buyers out of the prime rate has become a reality , Yanjiao is likely to be the object of other cities to follow .

Also the industry , told reporters that on the two sets of multi- suite to the credit limit is , but should not be out of the first suite offers , but should adhere to , because the principal is out of this Diaokong speculative investment demand , rather than rigid requirements .

by: himfr

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