House-

　　buying loan policy adjustments have successively increased the details of the "home-buying plan" determine success or failure

　　 pay off consumer loans before buying a house

Currently, the real estate market is gradually cooling down.

　　Text/Photo: Long Lele, All Media Reporter, Guangzhou Daily

　　Recently, Guangzhou's real estate market has continued its funding policy, strictly inspecting the inflow of operating loans to real estate, strictly inspecting the source of down payment funds, and strictly controlling the real estate financial bubble... Under a series of combined controls, the real estate market has gradually cooled down.

For home buyers, the current financial policy environment objectively makes the operation of applying for a loan more difficult and more detailed. If you want to successfully complete the "home purchase plan", more preparations are needed.

Loan policy:

　　Interest rate rises and lending slows down

　　Although the LPR for more than 5 years has remained unchanged for 11 consecutive months.

However, the market performance is different when it comes to mortgage interest rates.

It is understood that mortgage interest rates in the Guangzhou area have been raised recently.

At present, the mainstream first home loan interest rate in Guangzhou is about 5.2%, and the second home loan interest rate is about 5.4%.

Before this increase, taking the first home as an example, the first home loan interest rate in Guangzhou was between 4.8% and 5.05%, with an increase of 4% to 8%.

This also means that for a set of 3 million yuan of real estate, if the down payment is 30% and the 30-year period is repaid with equal principal and interest, the monthly repayment amount will increase by 300 yuan to 500 yuan.

　　In addition, buyers generally feel that the lending time has been extended.

"I bought the house in November last year and didn't lend money until the end of February this year." Miss Zhang, who just bought a house in Tianhe North School District, told reporters.

The reporter visited a number of bank outlets and learned that most banks indicated that the current quota is tight and the lending cycle is relatively slow.

"Generally, it is more than two or three months, and the loan time cannot be promised."

Down payment policy:

　　Strictly check the source of funds

　　Regulations on down payment are also increasing. Since March 17, Guangzhou has implemented a new down payment review policy. When applying for a mortgage, it is necessary to provide the flow of the down payment account at the same time to prove that the down payment funds are self-owned funds.

If the down payment is from a transfer, it is also necessary to prove that the transferor and the purchaser are immediate relatives and at the same time provide proof of own funds.

　　In addition, for home buyers who have applied for consumer loans or business loans a year before buying a house, it is more difficult to approve loans, and many banks have indicated that they will not approve mortgage applications from such customers.

　　"Strict supervision is unprecedented." Zheng Dayuan, a senior mortgage expert, commented on the current strict investigation of the source of down payment funds.

Market impact:

　　The property market "Xiaoyangchun" high in the beginning and low in the end

　　In March and April every year, it is called "Xiaoyangchun" by the real estate industry.

However, when "Xiaoyangchun" encounters "strict supervision" on capital, how will the market change?

According to NetEase Real Estate Data Center's monitoring of Sunshine Family Margin data, last week (March 15~March 21), the first-hand building in Guangzhou sold 2,825 sets of online signings, an increase of 123 sets from the previous week.

Since February, the weekly turnover of new houses in Guangzhou has been below 3,000 units for 7 consecutive weeks.

From the perspective of transaction structure, the five outer suburbs were the main transaction volume, with transaction volume rising by 13.97% from the previous month, while the central six districts fell by 12.46% from the previous month.

　　"From the current point of view, this year's Xiaoyangchun is likely to show a pattern of'high before and low'." Huang Tao, general manager of the Zhongyuan Real Estate Project Department, told reporters that the current transaction situation in March was better than that in February, but the tightening of financial The policy will gradually be transmitted to the market and affect the performance of the "Xiaoyangchun" in the later period.

"The most affected are the improved buyers who are'sell one buy one'."

　　As for the transaction structure of first-hand housing, Huang Tao said that the current price in the central city of Guangzhou determines that the main buyers are improved buyers.

The peripheral area is dominated by rigid-need buyers, who are relatively less affected under the current policy.

Home purchase advice:

　　Consumption loan business loan is paid off in advance

　　For a series of changes in the mortgage policy, what should be paid special attention to for home buyers who are planning to buy a house?

Senior mortgage expert Zheng Dayuan said that the long loan cycle and strict inspection of down payment funds are indeed related to the success or failure of home ownership, and special attention needs to be paid to details.

On the practical level, Zheng Dayuan gave three suggestions.

　　First of all, the current policies are changing. If there is a home ownership plan, it is recommended to plan in terms of housing qualifications, loan qualifications, down payment ratio, loan time, etc., and if necessary, ask professionals to help prepare a full set of information;

　　Secondly, we must be prudent in capital management, have sufficient funds, and do not advance funds to cross the bridge.

It is best to pay off all kinds of business loans, consumer loans, and credit loans applied for before buying a house, so as not to fail the qualifications when applying for a mortgage;

　　Finally, for second-hand housing transactions, especially the improvement needs of "sell one buy one", sellers and buyers should actively communicate and plan, and operate as soon as possible after reaching an agreement to avoid the next step of the home ownership plan due to policy changes.