Honored guest:
■ Liu Lanlan of minister of ministry of information of the whole journey that achieve standard
■ Shen Wei of chief inspector of market of beautiful city stock
■ Ma Jian of associate professor of college of building of university of Xi'an building science and technology
■ Wang Tao of the personage inside senior course of study
On April 23, management center of Xi'an housing accumulation fund issues the announcement that accuses one class to answer about starting fund liquidity risk to prevent, inform main content is: Since May 13, suspensive Xi'an area (contain Xi Xianxin area) beyond accumulation fund of the extraction that buy a house; Accumulation fund borrows money head pay scale to rise, first head pay 35% , 2 head pay 40% ; Loan specified amount is spent suffer capture to put remaining sum of fixed number of year, account, multiple to reduce wait for limitation, the forehead is spent have reduce. The personage inside course of study is analysed, the person that policy tightens up accumulation fund to buy a house to just needing, head pay scale to rise, pressure can be increased for certain. Nevertheless, loan of use accumulation fund buys the scale of the room to be less than 1/10, affect to building city so finite.
Policy is adjusted meaning in " caution " Xi'an building city
The adjusting control of accumulation fund policy is tightened up, where to the meaning of Xi'an building city?
Ma Jian: The adjustment of policy of this accumulation fund, it is on one hand " use strategy because of the city, classification is directive " reflect, it is to be on guard on the other hand the fund liquidity risk that building city overheat creates. To Xi'an building city character, mean adjusting control policy to begin an influence to arrive to just wanted a settle or live in a strange place group.
Liu Lanlan: "Jin Sanyin 4 " since, xi'an building city presents supply and demand the posture of get warm again after a cold spell of two flourishing, the tradition just needed to reach improvement demand to be able to release, get the market however to good expect an impact, the part invests a gender to buy a room to look up somewhat. Holding to a room to live below the policy environment that does not fry, xi'an rolls out accumulation fund to tighten up policy, be on guard further risk of liquidity of fund of housing accumulation fund, conduce to the market benign development, safeguard just needed housing loan demand, control the appearance such as the overheat that city of circumjacent area building appears.
Shen Wei: Of policy of this accumulation fund tighten up, actual sex effect is not big, more outstanding performance is: It is on one hand those who restricted fund pour out of, from the point of the circumstance of associate with, different ground loan is occupied 1/3; Give the caution of the market on the other hand, in the 70 cities data March, xi'an with compared to the same period of 24.4% go up rank the whole nation once more the first, it is need for certain right now for " firm building city " come out to make known one's position, the adjusting control policy of in former years also can obtain accumulation fund above all " make sb the first aim of attack " .
Policy is tightened up won't affect Xi'an house price
To buying a house person, this second policy is medium an adjustment that pays scale and loan specified amount to spend whether can affect the desire that buy a house, right what does the influence of the person that buy a house have?
Wang Tao: Data shows, in the person buy a house that mortgages loan, 90% , 95% it is business is borrowed, the proportion that place of accumulation fund loan holds is in 5% , 10% , different building dish this one scale may have a few difference. Can see from this, in the person buy a house that buys a house in loan, the proportion that place of loan of use accumulation fund holds is less than 1/10. So, head pay rise, the multiple that loan specified amount spends drops, can affect inadequacy only the person buy a house of 10% , do not have an influence to the person buy a house of 90% above, also more do not talk to go up the influence of pair of house price.
Liu Lanlan: This second policy is adjusted raised accumulation fund loan head pays proportion, reduced specified amount of accumulation fund loan to spend, strengthened pair of loan applicant qualification test. the person buy a house that borrows money to using accumulation fund, the pressure that buy a house greatens somewhat.
Shen Wei: Without doubt, the to account remaining sum requirement of accumulation fund policy that carries out since May 13 relatively before taller, this is about to seek the accumulation fund of month of worker pay more. On the other hand, nowadays most the loan mode of the mainstream still is business is borrowed, just be combination next borrow or accumulation fund. But business borrows interest rate house not to fall high, the item that supportive combination borrows is little little. And pure use accumulation fund, likelihood or meeting are faced with the person that just needed to buy a house head pay insufficient corner, the person that buy a house to just needing so, current accumulation fund policy not " friendly " .
Just needed to be able to extract accumulation fund remaining sum to do business to borrow
Of accumulation fund policy tighten up, the use of the person that let buy a house to accumulation fund more feel " chicken ribs " , dan Liaosheng at notting have, how is gift nicer use accumulation fund implementation to buy a house?
Shen Wei: Different ground buys the word of the room, still suggest to be executed in this second policy previously, namely before May 13, draw account fund as early as possible. As to head pay a doorsill exorbitant, be inferior to coming out accumulation fund extraction to do business to borrow, this ability is right just needed for truly advantageous. The person that just needed to buy a house cannot be enjoyed at the same time " low interest rate and low head pay " , if want to enjoy low interest rate, with respect to the choice accumulation fund borrows money, but must rise head pay; If want to enjoy low head pay, with respect to the choice the quotient with a few higher interest rate is borrowed, can come out extraction of accumulation fund remaining sum to use.
Ma Jian: In " the house lives to be not fried " national policy is oriented below, and population is added fast below the premise that puts delay, xi'an house price should be met present the state with certain hasten, the person that so the proposal buys a house, be versed in firewood estate or relatively should rational choice buy room opportunity especially, avoid to buy deed blindly, appropriate house is bought inside the limits of in one's power, ability enjoys the welfare that borrows money to accumulation fund quite.
Liu Lanlan: All the time since, accumulation fund becomes the person that buy a house with the advantage such as low interest rate optimal loan choice, face demand of individual housing area however increase reach the raise on the price, specified amount of accumulation fund loan is spent also demand of loan of housing of difficult contented and general merchandise, the person that buy a house can change the target that buy a house to price fixing the product such as room of room, mutual property right, in order to alleviate buy industry pressure. China business signs up for Di Fang of reporter Du Meng
