Media disclosure of the Shanghai property market the new deal: a down payment on a second home loan lowest 50%| new deal _ Shanghai | property | news

Original title: Shanghai property market new deal: two suites a strict separation between normal and non-normal

Author: Yang Xiaoyan

On March 24, the 21st century business Herald reporter was informed by the source, Tuesday (March 22), regulatory authorities called the banks to a meeting in Shanghai, the latest housing policy (bank credit-related parts) to research and deploy. However, the final policy will be subject to the morning of 25th file issued by the Shanghai Municipal Government.

According to the sources, Tuesday's meeting point has the following three articles:

First, mortgage interest rates raised to a minimum of 90 percent discount uniform. After a Shanghai market, 85 percent made at the first suite has, as well as individual as low as 82 percent, 83 percent. Two floating interest rate benchmark suite 10% there are also banking on breakthroughs in the concrete implementation.

Second, the implementation of "the recognition does not recognize credits" policy. In other words, regardless of whether the first home loan paid off, as long as the name already have a room, buying another count as part of the second set. Previously, Shanghai implemented "only credits" policy.

Third, the second policy, strict separation between normal and non-normal housing. Common minimum down payment on a second home loan 50%, not common for second homes a minimum of 70%. Previously, Shanghai Bank did not distinguish the difference between ordinary and non-housing.

The source also said, on General and non-specific criteria for ordinary houses, will not rule out the change.

In the eyes of bankers, the second and third combined with greater impact on the Shanghai property market. "This means, the original has a room in his hand, thinking of buying another set of now because second-home payments increase, may choose to sell the first set. May have released a wave of House on the market. "Share said.

Responsible editor: Wang Hao

Article keywords:
Shanghai property market new deal

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媒体披露上海楼市新政：二套房贷款首付最低50%|上海|楼市|新政_新闻资讯

　　原标题：上海楼市新政：二套房严格区分普通和非普通

　　作者：杨晓宴 　　

　　3月24日，21世纪经济报道记者从消息人士处获悉，本周二（3月22日）下午，上海相关监管部门召集各家银行开会，对最新房地产政策（银行信贷相关部分）进行调研和部署。不过，最终的政策将以25日上午上海市政府发布的文件为准。

　　据该消息人士透露，周二的会议要点有以下三条：

　　第一，房贷利率折扣统一上调为最低9折。而此前上海市场上，首套房已经普遍出现8.5折，以及个别低至8.2折、8.3折。二套房利率上浮基准10%也有银行在具体执行中突破。

　　第二，执行“认房不认贷”政策。也就是说，不管首套房的贷款是否付清，只要名下已经有一套房，再买一套都算作第二套。而此前，上海地区执行“只认贷”政策。

　　第三，二套房政策中，严格区分普通和非普通住房。普通二套房的贷款首付最低5成，非普通二套房最低为7成。而此前，上海银行业并没有严格区分普通和非普通住房的差别。

　　上述消息人士还表示，关于普通和非普通住房的具体标准，不排除会有所调整。

　　在银行人士看来，上述第二和第三条结合将对上海楼市造成较大影响。“这就意味着，原来手里有一套房，打算再买一套的，现在因为二套房首付比例提高了，很可能会选择先卖掉第一套。市场上可能会有一波房子释放出来。”有股份行人士称。

责任编辑：王浩成

文章关键词：
上海 楼市 新政

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