The new mortgage deal quickly landed in guangdong
The journalists learned that the self-regulatory mechanism for the pricing of interest rates in guangdong market, in accordance with the principle of city-driven planning and in accordance with the changing situation in the local real estate market and the requirements of municipal regulation, has made the following adjustments to the differentiated housing credit policy in the cities of joohai, fushan, xianguang, hagen, mezhou, huezhou, saixi, dong chang, nakang, jiangmen, yangjiang, changjiang, mau, zhongqing, qingyang, chuzhou, tayang, yun fao city and yun fao city:
1. For households that have made loans for the purchase of first-commodity housing, the minimum down payment rate for commercial personal housing loans has been adjusted to no less than 15 per cent, eliminating the floor interest rate。
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 2024 and can be implemented in accordance with this policy by completing contracts for the purchase and sale of goods or real estate contracts after 24 may 2024 (including 24 may 2024)。
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. Journalists have learned that the level of specific interest rates will be determined by autonomous consultation between commercial banks and borrowers in accordance with market and rule of law principles。
Journalists were also informed that the number of housing units in residential households was determined in accordance with the circular of the general directorate of financial supervision of the people's bank of china, ministry of housing, urban and rural construction, concerning the criteria for the identification of housing units in individual housing loans (2023) documents such as no. 52) require accounting for the number of housing units owned by the household, using the results of a survey of the number of housing units issued by the relevant departments of the city government or the certificate of certification. In short, the number of housing units is based on the results of a register or certification issued by the relevant government departments, such as the building sector or the natural resource sector。
A reporter
