Home buyers down payment down to the 20% North drifters to Beijing to buy a house 河南理工大学研究生处

Home buyers down payment down to the 20% North drifters adhere to Beijing housing more than 7 point source: Beijing daily morning, carrying a black shoulder bag, carrying a snack box in Beijing West Railway Station, Xiao Hao, heavy heart. Near the Spring Festival, he is going home. In Beijing, "floating" for 15 years, ready to get married in 2016, Xiao Hao and his girlfriend plans to buy a house in the suburbs of Beijing. On the night before the train, the central bank and the China Banking Regulatory Commission issued an unlimited purchase of the city "down payment minimum 20%" message, let him hesitate. Shoufu down to 20% of the old home, should adhere to Beijing buy a house? Beijing spring force, such a topic, slowly ferment. "20% Shoufu" stir up the day before yesterday evening, the central bank and the CBRC issued a notice in the implementation of the restriction measures in the city, residents’ families for the purchase of ordinary housing commercial housing loans to individuals, in principle, the minimum down payment ratio of 25%, down 5 percentage points over the floating. This means that the minimum 20% payment can be bought in many cities called "one point five lines" and "second tier" and smaller cities. This news, once let the small Hao company WeChat to waves. "Go home just look at the house", "we are cheap there, you take the year-end bonus to my house, Shoufu enough" and other topics, one after another. With the "restriction" color gradually faded, is currently the only country in Beijing, Shanghai, Guangzhou, Shenzhen and Hainan Province, Sanya local purchase policy still remain. The central bank and China Banking Regulatory Commission at this time issued a policy to reduce the down payment, the industry insiders believe that "encourage everyone to buy a house back to the Spring Festival."". While picking up things, while chasing a few groups of buyers, fellow villagers to discuss the content of small Hao, and did not rush to speak. But these conversations did have an impact on him. Over the years, Xiao Hao and his girlfriend to licensing, a year after the new year back home, to the "family", but Xiao Hao’s parents’ house is a more than 50 square meters of the two bedroom. During the Spring Festival, if Xiao Hao and his sister go home together, only mother and sister sleep in the room, and they sleep with their father. Next year, when the new year, father estimated that you can only sleep in the living room sofa. If you can change a three bedroom, then go back to the father, at least do not sleep in the living room." Xiao Hao said. Two sets of loans just need to back up? After graduating from college for 9 years, although the annual salary has reached 200 thousand yuan after taxes, but little Hao silk dare not relax. "It’s not easy for mom and dad to read for us. In the past few years, my family is paying the money back, and I read my sister to college." Xiao Hao said. Live frugally for so many years, and this year’s year-end bonus, Xiao Hao saved 320 thousand yuan. The new house in our hometown is close to 10 thousand yuan per square meter. According to the 20% down payment, a more than 100 square meter house, the down payment is enough. Beijing and Zhengzhou are "Shuangcheng" for Xiao hao". But each people just need to purchase, if in the home business loan to buy a house, and then returned to Beijing to buy a house, to have mortgage, loans in the "two" of the situation facing credit records on display. theory

老家购房首付降到两成 北漂一族该不该坚守北京买房   来源: 北京日报   早晨7点多,背着个黑色双肩旅行包,拎着点心匣子出现在北京西站的小郝,心里沉甸甸的。   临近春节,他这是要回家了。在北京“漂”了15年,准备2016年结婚的小郝和女友打算在北京郊区买套房子。可上火车的前一天晚上,央行和银监会发布的不限购城市“首付最低两成”消息,让他犹豫了。   老家的首付已经降到两成,该不该坚守北京买房?春运返京的大军中,这样一个话题,在慢慢发酵。   “两成首付”激起波澜   前日晚间,央行和银监会下发通知,在不实施“限购”措施的城市,居民家庭首次购买普通住房的商业性个人住房贷款,原则上最低首付款比例为25%,各地可向下浮动5个百分点。这也就意味着,最低两成首付,就可以在很多被称作“一点五线”和“二线”及更小的城市中买房了。   这个消息,一度让小郝所在的公司微信群起了波澜。“回家正好看看房子”,“我们那边便宜,你拿着年终奖来我家,首付就够了”等话题,此起彼伏。   随着“限购令”的成色渐渐褪去,目前全国仅有北京、上海、广州、深圳和海南省三亚局部地区仍旧维持限购政策。而央行、银监会在此时发布降低首付款的政策,被业内人士认为是“鼓励大家春节回老家买房”。   一边收拾东西,一边追着几个购房群、老乡群看讨论内容的小郝,并没有急着发言。但这些对话确实在他心中产生了影响。   过了年,小郝和女友即将领证,以后每年过年回家,就得“拖家带口”,可小郝的父母家只是一间50多平方米的两室一厅。过春节时,如果小郝和妹妹一起回家,只能母亲和妹妹睡一屋,自己和父亲睡一屋。明年再过年时,父亲估计就只能睡在客厅沙发上了。   “如果能换个三居室,以后回去爸爸至少不用睡客厅。”小郝说。   贷款二套 刚需背得起吗?   大学毕业后工作了9年,虽然年薪已经到了税后20万元,但小郝丝毫不敢放松。   “爸爸妈妈供着我们读书不容易,前几年我们家都在还钱,我还供着妹妹读了大学。”小郝说。   省吃俭用这么多年,加上今年的年终奖,小郝攒下了32万元。老家的新房子,已经接近每平方米1万元。如果按照两成首付计算,一套100多平方米的房子,首付足够了。   北京和郑州,对小郝来说是“双城”。但和每个刚需购房人一样,如果要在老家商贷买了房,回到北京再买房时,就要面临征信记录上显示尚有房贷、在贷款中算“二套”的情况。   按照现行的贷款政策,小郝父母的年龄已经无法再贷款,而其妹尚无完整收入记录,也不能贷款。只有用小郝的名字买房、贷款;但如果在郑州买了房、贷了款,他们再买北京的房子时,就需要首付五成,并且承受1.1倍的利率。   “这事儿我真没想过。”回到家的小郝已经心动,可是当记者提醒他注意北京买房的利率变化时,他犹豫了。   如何把钱“用在刀刃上”?   让小郝动摇的,还有他父母的态度。   “你都在北京了,钱要用在刀刃上。”小郝妈妈直接说,如果小两口以后扎根在北京,就根本不用在郑州买房。   小郝的爸爸妈妈也会在电视中看到和北京房价相关的新闻。“当时买不起,现在更买不起啊。”小郝妈妈说。   2007年小郝毕业,朝阳还有单价每平方米8000多元的房子,可对那会儿的小郝来说,这简直是“天价”。   “你在郑州买了房,是想为回来发展留条路吗?”记者问。小郝没有回答。   亚豪机构分析师郭毅说,北京新增常住人口已由50万人 年减少到30万人 年,部分白领选择经济发达、人才缺口大、薪酬水平较高的“一点五线”及“二线”城市就业及居住。在这样的背景下,小郝也有可能成为回老家发展的一员。   “我还是回北京后再看看。听说房山、门头沟还都有每平方米两万多元的自住房,我和媳妇凑个三成首付,咬牙过了这几年,再给老人换房吧。”小郝说。   尽管小郝做出了这样的决定,但贷款机构伟嘉安捷分析师吴昊认为,降低不限购城市的首付比例,会加快三四线城市的房地产成交节奏。   “不限购城市几乎覆盖了房地产市场大部分城区,首付比例的下调将有助于刺激不少贷款需求释放,对楼市加快去库存具有积极作用。”(记者 耿诺) 进入【新浪财经股吧】讨论相关的主题文章: