Zhongguang Wang February 17, according to the economic voice of "CNR Financial Review reported that the Spring Festival, the commercial bank's overall lending and the fourth quarter of last year compared to a slight improvement from tight state. This week, this reporter visited, telephone consultation a number of banks learned that part of the interest rates go up before the first suite of 5% -10% of the bank, most have been adjusted to the benchmark interest rate of 7.05%. Present, including four state-owned commercial banks, including most banks, the first suite of interest rate benchmark interest rate by execution.
The implementation of the standards of the banks lending policies of the first suite is the first Fusan Cheng, interest at the benchmark rate; the performance standards of the two suites loans down payment Liu Cheng, interest rates go up 10%. Implementation of the benchmark interest rate on loans in the first suite in most banks, a number of cities have raised the general standard of housing. Following Wuhan, Beijing, Tianjin, Xiamen and other cities, from March 1, Shanghai will adjust the general housing standards. Shanghai to determine the standard of ordinary housing, including the region of the second ring three are the total price of the floor area ratio and size of this adjustment is the price standard. Voice of Commentator of the economy, Shanghai E-House Real Estate Research Institute Yanghongxu to comment.
Whether it is monthly total interest callback pressure to reduce what is the purpose of the first mortgage regression benchmark interest rate to do so
Yanghongxu: This better meet the live demand loan demand, which means that the more differentiated the purposes of mortgage policy, real estate regulation continued to the present, the country's housing prices have begun to fall, initially appeared in the regulation of the effect of process , this time to correct control policies in the past too harsh arising from accidental injury, especially in personal loans, more stringent, and even first-time home buyers this just need to give accidental injury.
Effective after regulatory effect in the present circumstances, and then back to the correction, the better to protect their own needs, especially first-time home buyers loan demand which independent demand, this should be said that our entire regulatory policy toward is coordinated.
More than one city raised the standard of ordinary housing, the purpose of doing so then what is it
Yanghongxu: The purpose of this now relax for the first time home buyers mortgage a little similarities are better improve the existing real estate policies, the better to protect their own needs, especially in ordinary housing demand.
Ordinary residential standards, eight of them in a new country in 2005 after the 2008 property market downturn around the time used to improve a standard around basically untouched. Around the house prices since 2008 are up very high and has even doubled, originally belonging to the common room housing transactions this should be able to enjoy the tax benefits, suddenly, after skyrocketing housing prices will not be eligible to enjoy tax breaks, to adjust the standard more houses can meet the standard of ordinary commercial housing, so that buyers who derive tax benefits, since last year in Beijing, Wuhan, Shanghai began to adjust this standard.
Related to industry analysts said the local government of this adjustment to the standards of ordinary housing, not only encourages a rigid demand, but also to avoid the overall relaxation of the possibility of speculative investment demand, and you agree with this analysis
Yanghongxu: I basically agree, or the protection of ordinary residence in such consumption and purchase, the average residential standards, for example, the area must not exceed 140 square meters, around a little bit different, ordinary buyers of residential the vast majority of independent demand, to protect them this demand with some tax incentives are very legitimate, investment speculators Sony Parts Replacement generally do not buy this house, what they buy is generally the buy more.
The adjustment of housing prices what impact the volume of the city's residential
Yanghongxu: slightly stimulate demand to a certain extent. For example, in 2008 outside of Shanghai Outer Ring prices can enjoy total price of 98 million currently to 1.6 million Apple Keyboard for a 60% price criteria on the fact, equal to the threshold lowered by 60%, the benefit of the surface is quite large, the number of The demand is because of this policy is to be stimulated to be released Hard to say, this entire control policy is tight, or the decline of the entire housing market, housing prices or down, many people may still take a wait-and-see to rely on such a small few percentage points of tax incentives is also difficult to leveraging demand, help, but of little help.
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