More than 60% of home buyers need housing support

Author: 0 Points Advisory body Zhang a fan high school English different purchase demand have the loan to choose to buy the house of home buyers accounted for more than 60% of the loan choice of more than 70% of the first home purchase control policy frequency, a dose of strict than a dose, the adjustment of a down payment, strict control of three sets of loans, whether it is "recognition of housing and credit" assessment criteria are also Is "let housing return to people's livelihood consumer goods" policy annotation, all show the government to borrow housing housing demand to regulate the determination. The demand of the hand, the hand grasping supply, tightening loans, crackdown on hoarding, even the inventory of local financing platform, to stop the cooperation of silver letter may also be implicated in the interests of property developers. The Government adjusted the policy and the people expected it. Down or down? To buy or not to buy? This is a problem.　　But with developers to adhere to the price of cold, home buyers are always like a speech from the monologue, policy changes, expected to change, buyers will go? A recent survey by the 0-point research consultancy Group suggests: under the background of gradual tightening of loan policy, there are still 63.2% of the residents (hereinafter referred to as "homebuyers") who want to buy a house dream through loans, of which 74.2% of the buyers are eager to buy a house, and 49.7% of 60 , 70后 buyers need to buy two suites.　　Different home buyers for the acceptance of a small down payment slightly different, after the implementation of the new deal, nearly 90% of the purchase of a house and 30% or so two of the buyers can still realize the dream of buying a house. Regulation of the policy of frequent loans to buy homes are more and more fire, a room millions of, even in front with second-hand, small, marginal areas such as the terms of the bargain, so many people can not pay in full and have to resort to loans. The survey shows that buyers who plan to borrow to buy a house account for more than 60%, far more than 26.3% of the total payment option. Among them, the choice of commercial loans accounted for the largest, up to more than half, followed by Provident Fund loans, 9.6% lower than the business loan, but also 9.1% of the buyers choose combination of loans.　　This means that the housing policy is closely related to this group of people.　　As the commercial loan interest rate is higher than the Provident Fund loan, the Provident Fund purchase price is obviously the choice, but the commercial loan also has many stealth concessions, such as the approval fast, the formalities are few and so on, therefore in the multi-party weighing, also has many people to choose the commercial loan.　　60, 70 to seek to improve housing prices, buy a house is imminent, the favor of the process of small loans fast merchants to buy a house, and 60, 70 after the payment method is more diverse. Survey shows that 40.4% of the home buyers favor business loans, respectively, is to choose the entire payment and Provident Fund loans of about twice times, also far higher than 60后, 70后 the proportion of the choice of business loans.　　And 60后, 70后 choose the whole payment, business loans, Provident Fund ratio is more balanced, in 25%, of which 60后, 70后 the proportion of the whole payment is higher than the 7%, in addition to the two age group to choose Provident Fund loans and combination of loans of the proportion of the difference is small. 60后, 70后 buy a house to improve, and then have a dream with no hope, in the high prices in the busy. As many as 74.2% of home buyers are the first to buy a house, much higher than the proportion of people who buy a house again to seek improvement.　　And 60后, 70后 buyers, a large part of the improvement of housing demand, accounting for about half of the total number of such buyers, respectively, 35.4% of the 60后, 70后 to expand the living space to buy two suites, 14.3% of the buyers in order to seek the improvement of living environment.　　The improvement plan gives way to a dwelling dream this is a game of house price and demand, and the loan policy also plays a subtle moderating role. The survey shows that the first-suite buyers can accept 30% or more down payment or the proportion of the total payments to 88.4%, according to the new deal under the requirements of 30%, most first-suite buyers can also achieve their own dream of buying a house. But for the improvement of homebuyers, the situation is less optimistic, their acceptance of the first payment is basically the same as the first suite of buyers or even slightly higher, but because the new deal for two suite loans erected a down payment threshold of 50%, two types of improvement in demand for home buyers, willing to lift their legs across the high threshold of the people are only about 30%,　　Most of the buyers who improve their living environment will choose to pay for the whole, while 8.7% of those who expand their living space still choose to borrow. For many looking forward to buy the first suites of the family, the years of the first payment has not been saved, and became the dream of the first home. And most 60后, 70后 second house buyers are expected to look at the policy, the down payment, for their own improvement plan for some time.