A number of banks to implement the New Deal analysis said Shenzhen house prices may lead down

Analysts believe that Shenzhen house prices may lead to the State Council issued a new property control policy, a number of banks quickly tighten credit. 17th, the State Council issued the "about resolutely curb the rapid rise in the price of some cities," notice, as the "notice" announced at the weekend, the current major banks on the third suite is not a loan is still uncertain.　　In this respect, Longbin, chief analyst of the brilliant group, said that the regulation policy is very strong, some speculative overheating of the property market will have a great impact, Shenzhen housing prices or leading the country down. On the day of 16th, ICBC took the lead in determining the formal implementation of differentiated housing credit policy, the new contract and the approval of individual housing loans to implement new rules: for the purchase of the first set of housing and the building area of 90 square meters above the family, the first payment should not be less than 30%; for loans to buy a second housing family The ratio of the first payment shall not be less than 50%, and the loan rate shall not be less than 1.1 times times the benchmark rate. Subsequently, the construction, the middle, the exchange, the agriculture four big banks also successively expressed the strict implementation new deal. According to industry sources, in addition to individual banks, the current first suite 70 percent preferential policies have been basically abolished, and because of the current policy implementation is very strong, individual banks, the first set of 70 percent preferential policies will soon be abolished.　　At the same time, several banks have started to implement a 50% down payment and 1.1 times times the benchmark interest rate policy. Ms. Li, the first-time home buyer, just bought a house last week, and according to her, it is very difficult to get a 70 percent discount in the bank and she has a 40% down payment to get a 75 percent discount.　　On the real estate deal, she believes that the policy is mainly aimed at multiple homebuyers, because she bought the house is not ready to sell, so the policy has no effect on her. "The policy crackdown on the property market is obvious, including raising the two down payment, raising interest rates and restricting the purchase of a third house, and so on, mainly to curb speculation and speculative housing, the first time home buyers actually have no substantial impact." Of course, the policy of the home buyers psychological impact is relatively large. "Longbin that the policy will have a very big impact on those who have insufficient capital and lots of loans, and the Shenzhen real estate market is clearly speculative, and the market is expected to react soon."　　He estimates that Shenzhen may be the first to fall in prices this year, a two-month period, turnover may be reduced by 30%. What effect will the new deal have on the property market in Beijing, Shanghai and Guangzhou? Longbin that the real estate market in Beijing and Shanghai are both strong in nature and speculative, two cities have strong purchasing power, so the ability to resist will be stronger than in Shenzhen.　　Guangzhou property market because of the strong, the new deal on its impact is relatively small, and Guangzhou is about to host the Asian Games, all the works in the city will be shut down for 3 months, which will have a certain impact on the supply of the property market, so the price of Guangzhou property prices will not be too large. In the second half of 2007, a series of regulation of the property market policy, as well as the subsequent financial crisis, the real estate markets plunged into a slump. From the second half of 2008, the "9 27" policy began quietly loosening, the property market slowly into a retaliatory rebound phase, has been to the way crazy up to the present situation. Longbin analysis,Real estate prices will be reduced in the near future, second-hand housing market and the suburbs of low cost performance will be the earliest reflected. Second-hand housing market more than the speculation tenants, under the influence of the policy, rob the possibility of shipping, and some cities in the suburbs of low cost performance due to supply concentration, high price, will also be the first to decline. But the impact of the policy is only short-term, the housing price adjustment is only temporary, in the long run, China's entire real estate industry is still good, so for those who own enough money for speculators and developers, the new deal has limited impact.