Beijing High house price again play drums spread Flower Bank two sets of mortgage

Beijing High house prices again play drums spread flowers. CFP Pictures Click here to see all the financial news pictures Beijing high house prices again play drums to improve the demand for the first home buyers and speculators began to cautious now, Beijing new house prices climbed, second-hand housing price is rising. In the end what demand is the mainstream demand for home purchase? And what people propped up the high prices in Beijing?　　China Securities News reporter through the investigation found that Beijing's new house market, many first time buyers began to turn to wait and see or second-hand housing market Amoy room, improve the demand for new homes in the mainstream demand; in the second-hand housing market, investment and speculative demand is not very active, there are two times to improve the demand for home buyers become second-hand house "big customers." Improved demand is on the rise compared with the robust demand in the January-March. I love my family. Data from real estate brokers show that about 50% of the company's listings are selling homes to house rooms, a percentage increase of about 15% from the start of the year.　　There is no doubt that those who intend to "improve" will become the next new house, the stock of the purchase power, due to the accumulation of the first suite, they have a stronger purchasing power. New house: The rigid demand setback May, the Beijing whole city newly built house price rose 0.5% per cent, the commodity house sales reduced to 15164 sets, compared with April 2122 sets.　　As a result of a considerable number of public price increases, many people for the first time home buyers turn to wait and see, some people turn to second-hand housing city to be ridiculed Taobao. Miss Wang, first time home purchase, saw the new "Sun A.D." in Beijing's north third ring in early May. "The location is good and the room is clean." "At the end of April, the solar average price of 18,000 yuan per square metre, and can enjoy the entire paragraph 92 percent, mortgage 95 percent discount." But by the end of May, when building 2nd opened, it rose to 21,500 yuan. "Just one months on the rise of more than 20%, think or forget it."　　"said Miss Wang. In Beijing Jinrongjie work of Linan recently also discouraged the idea of buying a new house. Linan initially wanted to choose the Jin Thai city, Laguna Bay has sold out, he turned his eyes to the relatively low price, and the subway concept of the South third ring. "I asked about the opening of the ' city ', the house to a square meter of 15000 yuan, and last month, developers revealed that the news is 13000 yuan, rose too fast."　　"he said. First-time home buyers have turned to the sidelines, with demand from their home buyers shifting to improved demand and investment demand.　　Corresponding to this, Beijing high-end luxury market activity increased significantly. Located in Beijing West two ring, Purple Palace since the opening last September, has been maintaining 33000 yuan per square metre of the average price, area of 300 square meters, but still popular.　　"There are only 4 sets of 150 houses in the opening, especially in the recent period of time to sell particularly good," purple Imperial Sales manager Hu to the China Securities newspaper reporter said, buyers here generally not only have a house, many people are for the purpose of improving housing, many are to facilitate the children to learn. Since this year, in Beijing to Purple Royal mansion, Beijing, ocean millionAnd the city for the representative of the city mansion selling.　　According to the monitoring, May Beijing to deal 500 million yuan, ocean million and the city 3 months to sell nearly 1.2 billion yuan, of which May turnover is up to 460 million yuan. In this respect, Hu Wei, deputy general manager of the real estate agency, said: "There is a certain level of housing consumption, when the initial demand for home ownership gradually released, the purchase of large-type luxury homes and other improved demand will take the opportunity to market." "Because of fear of inflation, currency is difficult to maintain value, many investors again appeared in the real estate market, the early cash funds into the property again."　　Analysts pointed out that the speculators "cautious" a lot, from the previous two years of "speculation" to "investment" change, not to short-term speculation profit as the goal, more is the choice of strong value, with value-added space of the housing. Second-hand housing: Investment customers deterred Miss Zhang in the Chaoyang door has a set of 69 square meters of small apartment, the beginning of the price of 1.45 million yuan, so far failed to deal.　　Although the location of the apartment is very good, but some investors have seen the house said that the monthly rent is the highest 4500 yuan, the rent is higher, as an investment is not very cost-effective. Beijing's investors are not behaving aggressively in the run-up to the price hike in Beijing, which has much to do with fast-rising housing prices. I love my family Deputy general manager Hu Jinghui pointed out that from the company's May transaction data, investment-type demand is less than 8% of the total demand, improve the proportion of demand from the beginning of the 30% rise to about 60%, become the main demand for home purchase.　　In the improvement of demand, the proportion of passive improvement is more and more high, the main reason is the original housing demolition, unit relocation, children to school. Beijing CBD Surrounding areas are investors and even speculators are very favored area, become the first choice to observe investment needs.　　I love my house. City Apartment store manager told reporters that from the store's customer situation, the first home purchase, improve the real estate, investment in the proportion of 30%, 40% and 30%, the total number of live demand accounted for about 70%, is still a CBD area of mainstream demand. "CBD surrounding second-hand housing prices are a little high, rising too fast, investors are very rational, not blindly shot." I love my family, the city apartment store manager, the end of last year, the city around a room sold price between 15,000-16,000 yuan, April rose to 18,000-19,000 yuan, the current transaction price is not less than 20,000 yuan. And last year, the city's two-bedroom monthly rent has been to 8000 yuan high, at present in 5500 yuan-6000 yuan, the rent is relatively stable or even decreased.　　In this way, rational investors tend to choose to wait and see.　　Hu Jinghui stressed that last year, Beijing CBD surrounding areas of second-hand housing prices fell larger, this year's increase is also greater, plus the CBD surrounding the new disk open position higher, the Canton Canal door 10th to shoot out 15,000 yuan of floor land price, raising the second-hand house owner's psychological price, so that some investors deterred. Beijing CBD area of an intermediary to reporters, the beginning of the year, the CBD lot of house growth although generally in more than 15%, New Town InternationalEven as high as 30%, but the rent is not high, generally not more than 10%, curbing some investment demand.　　His customers to improve the needs of the majority, and some white-collar workers for the first time, even if the price in the purchase of a few months after the rise of 5000 yuan/square meters, individual customers still unwilling to put the house shot. Two sets of mortgages: Banks hit the edge of the commodity house hot selling can not be separated from active investors and speculators, but also inseparable from the improvement of home buyers, and this part of the group on the down payment and interest rates are very sensitive. To a certain extent, the commercial bank's two sets of mortgage policy determines this part of the group's willingness to purchase.　　As far as the present situation is, the two sets of loan policies of commercial banks have played an important supporting role in these demands. Hu Jinghui that Beijing's two mortgages, although much more relaxed than at the beginning of the year, but the overall still more stringent than Shenzhen and other southern cities, leading to investment demand did not appear significantly magnified, speculators will be more cautious.　　But according to the reporter's understanding, in the actual operation, the commercial bank to two sets of mortgages the attitude is still very flexible. China Securities News reporter to a real estate intermediary, consulting, first suite loan still has more than 300,000 yuan outstanding, buy second Suite can enjoy down payment and interest rate concessions. The person immediately consulted a commercial bank's account manager, the answer is that the down payment can be discounted to 2.1, loans 7.9, interest rate 70 percent.　　Reporters worried that the income proved unable to meet the bank's requirements, the person said it is not a big problem, as long as a relative to the common lender can, of course, monthly or by the reporter himself to bear. The intermediary said: "The commercial banks are now a relatively loose lending, not after September, I am afraid, if the full year of the lending task if completed well, the end of the year to extend the loan will be strict." In addition, banks have a different degree of rigour in lending audits. "The Chinese securities newspaper reporter in the interview learned that, on the surface, most commercial banks are the principle of the second suite of the down payment can not be less than 40%, but can enjoy about 70 percent of the interest rate concessions." But in fact, some commercial banks, if the customer is the bank's VIP, credit is good, the first set of loans in the bank application, you can apply for two mortgage concessions, down payment can be as low as 2.2, the interest rate can hit to 701 percent.