ICBC Shaoxing Branch responds to "down payment down" rumors: personal housing credit policy has not been adjusted

Zhongxin Jingwei Client, February 26th (Wei Wei) Recently, there are rumors in the market that the Industrial and Commercial Bank of China Shaoxing District has begun to implement a 30% down payment policy for second homes, and it will be piloted in the Zhejiang region, possibly in other regions of the country. In this regard, the relevant person in charge of ICBC Shaoxing Branch told reporters from China and Singapore Jingwei that the rumor was false.

The above-mentioned person in charge said that the bank's personal housing credit policy has not been adjusted and changed recently. The bank adheres to the positioning of "houses are used for living, not for speculation," to support residents' reasonable housing loan needs, and to maintain the stable and healthy development of the real estate market.

Not long ago, Zheshang Bank announced that it would reduce the loan for first homes in non-restricted cities to 20%.

On February 24, a reporter from China and Singapore Jingwei was informed that Zhejiang Commercial Bank recently issued a notice to adjust personal loans, reducing the proportion of down payment loans for non-restricted urban households to purchase ordinary housing for the first time from 30% to 20%.

Zheshang Bank responded that the bank has always strictly implemented the regulatory department's differentiated credit policies for restricted and non-restricted cities, and at the same time complies with the local housing loan control measures of the branches, which is basically equivalent to the interbank implementation requirements.

In fact, as early as 2016, the central bank issued a document. In cities other than “restricted purchases”, households purchase ordinary housing for the first time. In principle, the minimum down payment ratio is 25%, which can fluctuate by 5 percentage points. In addition, the minimum down payment proportion of households whose corresponding home purchase loans have not been settled shall be adjusted to not less than 30%.

Zhongyuan Real Estate Chief Analyst Zhang Dawei pointed out that the latest central bank down payment ratio regulations were issued on February 2, 2016. Including Zheshang Bank, the banks have not adjusted their policies, and the credit policies currently implemented are those implemented by the central bank.

He believes that credit is the most critical factor affecting the property market, and the market is predicting policy changes, so there is some speculation.

Yan Yuejin, research director of the Think Tank Center of the E-House Research Institute believes that although such incidents are not necessarily true, it objectively shows that current buyers are more concerned about the down payment policy for loans, and fully shows everyone's expectations for policy adjustments. Although the operations of banks in various regions are uncertain at present, it is highly likely that the down payment policy may be further reduced.

Recently, the central bank has successively stated that "housing and housing is not speculative" is still the dominant direction of control policies. On February 21, the People's Bank of China held a 2020 financial market work teleconference that it is necessary to maintain the continuity, consistency, and stability of real estate financial policies, continue to implement policies based on the city, and implement a long-term real estate management mechanism to promote the market. Run smoothly.

Dong Ximiao, the principal researcher of Xinwang Bank, previously analyzed in an interview with the reporter of Sino-Singapore Jingwei that, in the next step, the central bank and financial institutions will comprehensively use a variety of methods according to the different areas and subjects of housing purchases, combining both price and price, combining length and shortness, and regulating the total Adjusting prices and adjusting prices to meet rigid demand and curb investment speculation, focusing on the present and guiding expectations, further implement differentiated housing credit policies. (Zhongxin Jingwei APP)

Zhongxin Jingwei All rights reserved. Without written authorization, no unit or individual may reproduce, extract or use it in other ways.