你的位置:奥达菲股票信息网 > 股吧资讯 > 【519018基金净值】上海天津双双收紧房贷政策(2016-11-29)

【519018基金净值】上海天津双双收紧房贷政策(2016-11-29)

519018基金净值——流通股本

  28日,天津、上海同时出台收紧住房贷款政策。这意味着,继新一轮收紧限购令之后,新一轮的限贷政策开始了。
  当日晚,上海市住房和城乡建设委员会、中国人民银行上海市分行、上海银监局联合下发了《关于促进本市房地产市场平稳健康有序发展进一步完善差别化管理办法的通知》住房信贷政策”。自29日起,首套住房(即本市无住房且无商品房贷款记录或公积金住房贷款记录的家庭)申请完成,商业贷款首付比例将提高至不低于35%。购买第二套住房的普通自住住房,申请商业贷款的首付比例提高到50%,购买非普通自住住房的,首付比例不低于70%。

519018基金净值

  但值得注意的是,第二套住房的认定改为在上海有房者,或在上海无房但有住房贷款记录者,这意味着第二套住房开启了“认房认贷”模式。
  通知同时要求,各商业银行要继续加强对首付资金来源和收入证明真实性的核查,根据借款人家庭信用状况和偿债能力,认真把握具体执行水平,对具有投资性、投机性购房特点的,严格确定首付比例和利率。

519018基金净值——002337

  易居研究院智库中心研究总监严跃进表示,该政策加大了购房首付压力,对高杠杆购房等行为的调控影响较为明显。

  阎跃进还分析,当前上海房地产市场面临三大压力:一是库存规模相对不足,迫切需要通过政策调整实现供需平衡。此外,房价上涨趋势依然明显,房价难以控制。同时,看涨预期依然强烈,需要政策引导。
  在上海收紧房贷的同时,天津也在放开房贷调控。中国人民银行天津分行将在其网站上正式实施差别化信贷政策。

519018基金净值——股权分置改革论文

  Specifically, the lowest minimum payment is 30% for residential families applying for commercial personal housing loans, and the lowest minimum payment for households with one housing and the corresponding housing loan is not settled.In order to improve the living conditions and apply for commercial personal housing loans to buy housing again, the minimum down payment ratio is 40%, but for non Tianjin households with household registration in the six districts of the city, Wuqing district within the scope of the purchase of the first housing, the minimum down payment loan ratio of 40%.
  At the same time, the “credit policy” points out that before the individual housing loan stage guarantee loan, the filing procedures of the house purchase contract should be completed, and the borrower has provided the down payment and deed tax invoice, and the certificate of payable fees.For the real estate development enterprises that cannot provide full guarantee, they are not allowed to issue individual housing loans before the completion of mortgage or mortgage notice registration.For the real estate development enterprises that have been identified as serious violations of laws and regulations by the industry authorities, such as “reluctant to sell”, “bid up house prices” and “down payment”, it is not allowed to carry out phased guarantee cooperation.

  Zhang Dawei, chief analyst of Zhongyuan Real estate, believes that the tightening of Shanghai and Tianjin once again shows the determination and will of the government to curb house prices.Under continuous regulation, it is expected that the house prices of several cities with rapid rise in house prices after the fourth quarter will turn from slight rise in October to slight fall in the future.

519018基金净值——050009

  [related reports]
  

  Considering that the absolute price level has far exceeded the city residents’ income and rent, they can meet the typical characteristics of price bubbles.Under the policy of the state restraining asset price bubble policy, the rationality of the investment value of hot city housing may need to be reassessed.

以上是由奥德菲网为您整理编辑【519018基金净值】上海天津双双收紧房贷政策的全部内容,旨在促进信息交流。同时,为您提供流通股本、股权分置改革论文、002337、050009等文章资讯。

声明:本文观点与本站立场无关,不承担任何责任。部分内容文章及图片来自互联网或自媒体,版权归属于原作者,不保证该信息的准确性、真实性、完整性、有效性、及时性、原创性等,如无意侵犯媒体或个人知识产权,请来电或致函告之,本站将在第一时间处理。未经证实的信息仅供参考,不做任何投资和交易根据,据此操作风险自担。本站拥有对此声明的最终解释权。

转载请注明:奥达菲股票信息网 » 【519018基金净值】上海天津双双收紧房贷政策(2016-11-29)

发表评论

电子邮件地址不会被公开。 必填项已用*标注

近期文章

随机文章

热门标签