In addition to guangzhou and shenzhen, the china securities network has adjusted its mortgage policies in 19 other municipalities in guangdong province。
On 24 may, the self-regulatory mechanism for the pricing of interest rates in the guangdong market adjusted the differentiated housing credit policy of the cities of joohai, xiang, fushan, shu guan, hagen, mezhou, huizhou, xiangyi, dongshan, chuang, jiangmen, yangjiang, changjiang, maoming, zhangqing, qingyang, tsuzhou, tayang city and yunfou city in 19 cities in accordance with the principle of city-driven planning。
The adjustment is as follows: first, for households in which loans are made for the purchase of first-commodity housing, the minimum down payment rate for commercial personal housing loans is adjusted to not less than 15 per cent and the interest rate floor is eliminated。
For households that have made loans for the purchase of second-commodity housing, the minimum down payment rate for commercial personal housing loans is no less than 25 per cent and the minimum interest rate is eliminated。
In the case of households with two or more units of housing and whose loans have been closed for the corresponding purchase, the banking financial institution may apply for a loan for the purchase of the dwelling, taking into account the borrower's solvency, credit position, etc., and may carefully determine and specify the amount of the down payment and the interest rate on the loan。
For households with two or more dwellings and with outstanding housing loans, commercial personal housing loans are suspended。
The above-mentioned policy has been in force since 24 may and can be implemented in accordance with this policy by completing contracts for the purchase and purchase of premises or real estate contracts after 24 may, including 24 may。
It is worth mentioning that the cancellation of the floor of the commercial personal housing loan rate for first and second flats means that the above-mentioned 19 cities have marketed the interest rate for mortgages. Specific interest rate levels will be determined by autonomous consultation between commercial banks and borrowers in accordance with market and rule of law principles. (chou liang)
