To buying a house person, the room borrows a bit change of interest rate to will affect its insecurity nerve. The near future, first " accumulation fund is new politics " brush screen again, cause market attention.
On September 13 evening, management center of Beijing housing accumulation fund is released " about adjusting the announcement of policy of loan of housing of individual of housing accumulation fund " (the following abbreviation " announcement " ) , be called " history on policy of loan of the most severe accumulation fund " . Policy change includes accumulation fund loan to execute " identify a room again borrow " , loan specified amount is spent put accumulation fund of link up with of fixed number of year, 2 flatlet to borrow money with capture highest forehead is spent reduce from 800 thousand yuan reach 600 thousand yuan, lunar reimbursement specified amount does not exceed lunar income 60% wait for many respects.
" negotiable securities daily " the reporter visits discovery, as a result of new politics obligate 3 days (14 days, 15 days, 16 days) transfer period, many person that buy a house quickened a net to sign a process before policy carries out: On September 14 that day, beijing residence autograph makes an appointment with a cycle of songs in a traditional opera to achieve 2251, and Beijing of before this 3 months average house autograph makes an appointment with day a cycle of songs in a traditional opera is in 500 or so only; After this two days (on the weekend) net autograph measures remarkable also prep above before this on the weekend the amount of time.
Accumulation fund is new politics involve multinomial adjust
" negotiable securities daily " the reporter is combed carefully afore-mentioned " announcement " discovery, new politics the adjustment that borrows money to accumulation fund basically is involved many more the following the content of the respect.
Above all, according to the announcement, loan applicant under one's name is recorded without housing loan and do not have housing in this city, press a flatlet loan policy to deal with; Every does not attribute a flatlet situation, be to be 2 flatlet by check and ratify, by 2 flatlet loan policy is dealt with; Be covered to reach above housing to have two by check and ratify, do not grant to borrow money.
The 2nd, new politics execute loan specified amount to spend the capture with accumulation fund of loan applicant housing to put couple of fixed number of year, every capture puts a year to be able to borrow 100 thousand yuan, highest can borrow 1.2 million yuan. If loan application is factitious married, loan specified amount spends business accounting to put the one party with longer fixed number of year to calculate with the capture in both sides of husband and wife.
The 3rd, new politics spend to highest loan specified amount execute a difference to change. Loan applicant census register all is in Beijing east the city zone or on the west of the city zone, buy a town first housing beyond 6 areas, highest loan specified amount is spent but rise 200 thousand yuan; Census register of stage of the rising sun, Haidian, abundant, Shi Jingshan area buys a town first housing beyond 6 areas, highest loan specified amount is spent but rise 100 thousand yuan. Other condition buys first housing, highest loan specified amount is spent it is 1.2 million yuan; Highest loan specified amount spends 2 flatlet it is 600 thousand yuan.
The 4th, new politics consult active business shifts policy, adjusted head pay proportion. Buy economy of applicable housing, head pay scale not under 20% ; First housing that buys the policy sex housing such as mutual property right, head pay scale not under 30% ; Buy first besides policy sex housing common oneself housing head pays scale not under 35% , first blame is common from housing head pay scale not under 40% . Buy common from housing and for 2 ring room, head pay scale not under 60% ; Buy blame is common from housing and those who be room of the 2nd ring, head pay scale not under 80% .
The 5th was to adjust loan fixed number of year. Loan time limit from the longest can calculate to loan applicant 70 one full year of life are adjusted for in principle highest must not exceed 65 one full year of life. If loan application is factitious married, loan time limit is calculated with the longer one party in both sides of husband and wife.
The 6th it is to adjust lunar reimbursement specified number. In make sure the premise of basic living expenses issues loan applicant, by calculative of law of reimbursement of principal and interest waiting for the forehead month all reimbursement specified amount does not exceed loan applicant lunar income the standard of 60% , determine loan amount and loan term.
In the meantime, new politics still adjusted assure means, cut loan to file a material, cut archives material.
Policy transfers quantity of period net autograph jumps
New politics, the part was about to choose to quicken a net to sign a process by the person buy a house of the influence.
The Du Nv that the near future is buying a house person tell " negotiable securities daily " reporter: "I just referred aptitude examine and verify on September 12, intermediary says to the net can go out to sign before doing not have accident word weekday, fear person queueing up appears more particularly now accident state. I am graduation had a job 2016, if according to new politics ' loan specified amount is spent put couple of fixed number of year with capture ' regulation, specified amount of accumulation fund loan is spent will reach 300 thousand yuan from 1.2 million yuan of pelter, skimpy share can will turn to borrow money for commerce. Skimpy share can will turn to borrow money for commerce..
The inn of intermediary of some large house property grows area of Beijing rising sun tell " negotiable securities daily " reporter: "Policy, the person that buy a house calls ceaselessly detail of policy of understanding asking ask, our inn several agent Zhou Wu picks up the telephone in the evening seek advice to receive midnight all the time after 12 o'clock.
In fact, on September 13 accumulation fund is new politics release inside a hour, this are adjusted pay close attention to because of the whole people and " on hot search " . The person that buy a house expresses, "House property intermediary prepares and submit a data with respect to connection that evening, handle net lot quickly, the hope is driven in new politics before be being carried out formally, deal with end " .
Live according to Beijing build appoint statistical data, in June 2018 portion, with the lunar residence August the autograph made an appointment with a cycle of songs in a traditional opera to be 15827 respectively July, 14826 mix 15036, autograph of average and daily residence makes an appointment with a cycle of songs in a traditional opera to be controlled in 500. " negotiable securities daily " the reporter consults Beijing lives build appoint lot of the room that put an amount makes an appointment with statistical data to discover, residential autograph made an appointment with a cycle of songs in a traditional opera to achieve 2251 on September 14, since be 3 years (from September 2015 portion) the 2nd high point, only under 2927 of September 30, 2016. In the meantime, with residence of 16 days the autograph made an appointment with a cycle of songs in a traditional opera to also be achieved on September 15 mix 841 for 1397.
Be worth what carry is, from March 2017 after adjusting control of share building city, beijing region house clinchs a deal the quantity lasts low fan. In April 2017 since the portion, what autograph of odd-numbered days residence makes an appointment with a cycle of songs in a traditional opera to exceed 1000 to cover is only 5 days, ordinal 1094 was on April 28, 2017, 1062 of May 4, 2018, 1034 of June 29, 2018, 2251 of September 14, 2018 mix 1397 of September 15, 2018.
And just met with 16 days on September 15 on the weekend, although the net signs a quantity relatively decreased on September 14, but relatively still increased number 4 before this weekend decuple. On August 18 - 4 of September 13 weekend, the net signs a quantity to be respectively: On August 18 63, on August 19 66; August 25 is 53, on August 26 56; September 1 is 37, september 2 is 44; September 8 is 62, september 9 is 72; Earlier before had appeared even net autograph quantity is the circumstance of 0 on the weekend.
Expenses of the interest that buy a house " detail Zhang "
With " every capture puts a year to be able to borrow 100 thousand yuan, capture puts 12 years to be able to borrow 1.2 million highest yuan " for exemple. If according to 22 years old university undergraduate course graduates,capture begins to put accumulation fund after assuming office, can borrow below normal circumstance full capture of 1.2 million need puts 11 years of above, namely 34 years old or so. The policy setting that center of loan of Beijing accumulation fund gives out is main it is to guide a citizen reasonable housing is consumed "
Nevertheless, buy room age on average according to instantly Beijing market (28 years old) or so computation, new politics after carrying out, the specified amount of accumulation fund loan of 28 years old of people that buy a house is spent will reach 500 thousand yuan from 1.2 million yuan of pelter, loan specified amount spends skimpy share to be able to turn to borrow money for commerce only.
" negotiable securities daily " the reporter made simple calculation, if buy room person 28 years old to buy a flatlet, accumulation fund already capture puts 5 years, according to originally loan 1.2 million yuan, borrow money 25 years, computation of law of reimbursement of principal and interest waiting for the forehead, amount of every months of reimbursement is 5847.79 yuan, accrual amount is 554337 yuan; If apply for 1.2 million yuan to combine loan (accumulation fund 500 thousand yuan, business borrows 700 thousand yuan) , amount of every months of reimbursement is 6689.33 yuan, accrual amount is 806799 yuan. That is to say, amount of every months of reimbursement increased the person that buy a house 841.54 yuan, interest total expenses increased 252462 yuan.
Weigh a pound! 9 branches of Shanghai weigh a fist jointly punish head pays borrow, violate compasses extraction accumulation fundOn September 10, the 9 branches such as bureau of bureau of tax of bureau of management board of Shanghai housing and committee of management of urban and rural construction, building, public security bureau, judicatory, state, silver-colored inspect are released jointly " about beginning estate market order is special 2018 the announcement of punish " (later development abbreviation " announcement " ) , energetically false information, spec fries punish room, fictitious trade, violate compasses extraction accumulation fund to wait break the law violate compasses act.
" announcement " clear, the congenial hype action that needs repair includes to pass offer " head pay borrow " perhaps adopt " in installment head pay " wait for a form, violate compasses to fry room person pay for sb and expect to be repaid later to perhaps covert head of pay for sb and expect to be repaid later pays. The field is used in housing accumulation fund, prohibit assisting capture to put a worker to violate accumulation fund of compasses extraction housing, diddle housing accumulation fund to borrow money with false passport, poundage of collection high specified number. Also prohibit limitation, obstruct, reject to buy room person to use housing to accumulation fund borrows money or mortgage loan.
" announcement " say, violate compasses orgnaization to checking the irregularity of fact, adopt net of contract of commercial bank of suspensive banking service, time-out and its business collaboration, time-out to sign aptitude, bring into industrial and commercial key to superintend the measure such as list. In addition, limitation its attend land action to pat hang.
Severe leap forward of chief inspector of research of wisdom warehouse center expresses easy house academy, this Shanghai estate order is rectified, what city of key of the whole nation that build a department lives to be checked greatly before according with this is oriented, rectify a circumstance to look from order so, train of thought is clear, can be opposite on the whole relatively apparent effect is formed in business of orgnaization of room look forward to, intermediary, representative, ad and the group such as the person that buy a house.
Severe leap forward expresses, this " announcement " put forward additionally new asked at 3 o'clock:
The first, policy regulation is praedial to was not being dealt with the commodity house that register, should investigate change open to booking contract, change to buy the way such as room person. Similar way is to be on guard actually through more name and retreat a room to wait to avoid policy is superintended back and forth. Also be to be on guard at the same time orgnaization of of all kinds representative shares the appearance that fries a room.
The 2nd, policy is restricted clearly examine and verify of look forward to, this and the policy regulation that bought room respect to the enterprise in the past are consistent. Actually so future registers a company to buy a house to a few people, relevant examine and verify is met hasten is severe, this also is to ensure the active be born of this kind of policy.
The 3rd, policy makes clear a canal to dominate phone sale action, the phone that is a purpose to of all kinds sale is annoyed, predict to be able to be investigated. This kind of practice, also be to conduce to purify a building to trade order.
Severe leap forward says, this policy sets, before September 20 need publishs relevant and specific plan, predict so in September the last ten-day of a month, do not eliminate canal of city of each district building to accuse to be able to upgrade, especially the building trades of order rectify meeting hasten to father. So near future of relevant room look forward to trades respect or need are careful, should not have of all kinds violate compasses or illegal phenomenon.
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