Real estate regulatory policy three bursts of rigid demand is queued

Since September 29, "State five" after the introduction of the property market regulation of the rules frequency.　　Major cities have issued restrictions on lending orders, restrictions on purchase orders, the real estate regulation to the end of the determination to see. "China entrepreneur net" compared with previous years, this year's "Golden Nine silver Ten" slightly plain, and "winter" seems to come ahead. Recently, the sale of commercial housing funds supervision, strengthen the intermediary industry norms, the rise of the first set of mortgage rates of three policies is particularly interesting. Among them, the total cancellation of the first set of mortgage 70 percent interest rate is controversial.　　Industry insiders believe the policy has greatly curbed rigid demand. According to the China Securities Daily, a number of banks have confirmed that the minimum standard of home loans for commercial banks to buy their first homes since November 1 has changed to a minimum down payment of 30%, with interest rates down 15% from the benchmark rate, and two housing units headed by a minimum of 50%, The interest rate is 1.1 times times the benchmark interest rate, prohibiting the provision of loans to third and above housing.　　This means that the first mortgage rate has been raised to 85% of the benchmark interest rate, and the 70 percent-discount era has now ended. I love my family. Hu Jinghui, deputy general manager of real estate brokerage company, said to the Chinese entrepreneur, "70 percent discount is normal, the implementation of this policy has certain historical conditions, is in the financial crisis for the rescue, the city and forced to adopt a very preferential policy." "In the securities industry, Mr. Tian to the" Chinese entrepreneurs, "reporter complained, originally in the recent plan to buy a wedding house, but because the funds are not sufficient, and encountered the first mortgage rate hike, had to postpone the purchase date," or wait and see for a while.　　"Similar to Mr. Tian, because the mortgage interest rate cancellation and postpone the purchase of a few people should be a minority, there are comments that the first set of mortgage rate hike, stabbed the poor to buy a dream." Hu Jinghui that the government has learned from the previous two macro-control, in the case of inadequate supply will not easily withdraw the demand for repression. At present, the real estate market in short supply, new house, the supply of housing is not sufficient, if not postponed, do not inhibit a certain demand for housing will lead to volume amplification, resulting in rapid price rebound, or even more than the highest point in history, "this round of regulation failed." "In Hu Jinghui's view, the first suite rate hike is not mainly to combat investment hype, but to just need a clan to" queue up ", the financial strength is not very strong, the purchase will not be very urgent for the first time home buyers to postpone the consumption," just need to have a hurry, the rich have no money, we don't all crowded in this, The rush of the swarm will cause a price boost. "Changes in market conditions determine the flexibility of the Government's price instruments and, with the change in supply and demand, do not preclude the possibility of a further easing of preferential conditions, which, conversely, worsen the supply and demand situation and tighten policy again." "If house prices are difficult to control or the supply and demand conflict is so serious, it is possible to turn 85 percent to 90 percent, but if consumption eases, the interest rate will be back again," Hu Jinghui.