Banks tighten mortgage down payment and interest rate the second-hand property market has not seen a start

During the Spring Festival, most second-hand intermediary floor can be "empty" described, and the official data released before the festival also showed that January the city's 10 district second-hand residential registration volume of 1.0921 million square meters, the chain of December 2009 reduced by 30%.　　At the same time, the full House red, and so on, and other intermediary bank issued January data also showed that the volume of December 2009 as a sharp drop of nearly 40%. Industry analysts believe that the bank began to tighten the mortgage down payment and interest rate policy, so that second-hand property market more into the winter. The reporter learned from the intermediary company, "There are few transactions now, can use bleak to describe the current second-hand property market."　　But second-hand property prices are beginning to show signs of decline, the industry believes that after March, the market will usher in a release period. Two sets of mortgage 40% down down the deal big reduction January "Country 11" regulation measures issued, one rule, the second suite of loans down payment must not be less than 40%, although the subsequent implementation of each bank is different, but today, the strength of bank tightening more and more, many buyers reflect the difficulty of the loan also improved a lot. The tightening of mortgages led to a sharp drop in second-hand property.　　Full red January data show that the line volume of the month last December, a sudden decrease of 37.1%. The Full House Red Heng Bao Branch people to the reporter said: "Now every day the consultant is less than 40%, one day about six or seven guests." There are almost no deals, and many buyers have already entered the wait-and-see situation. "What caused this situation?" "Banks to tighten the mortgage, second-hand housing two sets of mortgages, down payment must be 40%, basically there is no room for negotiation." At the same time, the qualification of the lender to audit a lot of strict, only to be considered to be relatively high-quality customers, banks will give 70 percent interest rate concessions, otherwise it is 85 percent ", the full house red above people." It seems to have been playing the edge of the mortgage situation, is now beginning to change.　　Reporters during the spring visit on the pavement found that most of the floor closed, even if there is a floor open, is also empty. Property prices began to show signs of decline in January second-hand transactions, there are policy regulation and the seasonal reasons for the Spring Festival, there is also a major reason for the high property prices. In the statistics of famous intermediary organizations such as the Full House red, the rich property, Zhongyuan real estate and so on, the data of second-hand property prices in Guangzhou are different, but they all show a rapid upward trend. For example, the Full House Red Research department data show that in December 09, the price of second-hand housing sold to 9968 yuan/square meters, rose 37.4% from January 09; the second-hand average price rose to 11485 yuan/square meters in December 09, up 48.8% from January 09.　　By the end of 09, housing prices under the second-hand housing buyers have been "miserable." However, as the regulation continued, the market began to show signs of a reduction in prices. Full Red January report showed that the same month second-hand transaction average price of 9701 yuan/square meters, the chain fell 2.7%, is the first decline in nearly 5 months; The January report also showed that the average price of second-hand residential transactions in the monthFor 11128 yuan/square meters, the chain slightly reduced by 3.1%. Shoven, senior director of the research department, said: "If there is no new regulation, the first quarter of the policy after digestion period, the second-hand property market in late March and early April will usher in a demand release stage."