The latest news of Zhengzhou mortgage policy 2020

1. nationwide: further strengthen the safety production in housing and urban and rural construction.

On April 14, the Ministry of Housing and Urban-Rural Development issued a notice, in order to implement the "Several Measures on Further Strengthening the Responsibility for Work Safety and Resolutely Preventing and Curbing Serious Accidents" and "Measures" of the the State Council Municipal Safety Committee, organize a major inspection, investigation and rectification of work safety in the field of housing and urban construction, comprehensively and thoroughly investigate major hidden dangers, make a list, specify requirements, compact responsibilities, and resolutely prevent hidden dangers from turning into accidents. It is necessary to fully promote the safety production management action of housing municipal engineering, compact the main responsibilities of all parties in the construction, strictly fulfill the responsibilities of the main person in charge of the enterprise as the first responsible person, implement the post responsibilities of key personnel, improve the enterprise safety production guarantee system, and accurately investigate and eliminate the major hidden dangers of "enterprise by enterprise, project by project and equipment by equipment". In addition, it is necessary to comprehensively strengthen safety supervision, supervision and inspection, seriously deal with natural disasters and production safety accidents such as earthquakes and extreme weather, and coordinate economic development, epidemic prevention and control, and production safety.

2. Nationwide: Banks in more than 65,438+000 cities across the country cut their mortgage interest rates independently.

On April 14, the People's Bank of China held a press conference on financial statistics for the first quarter of 2023. At the conference, Zou Lan, director of the financial market department of the central bank, said that the reduction of mortgage interest rates mainly occurred at the bank level. Since March, due to the weakening market demand, banks in more than 0/00 cities across the country have lowered their mortgage interest rates independently according to market changes and their own operating conditions, with an average range of 20 to 60 basis points. In addition, some provincial-level market interest rate pricing self-discipline mechanisms also meet the regulatory requirements of local governments. According to the actual situation of each city, the lower limit of down payment ratio and the lower limit of urban interest rates are lowered within the scope of national policies.

3. Nationwide: In March, the sales price of commercial housing decreased month by month, and the number of cities decreased.

On April 15, Sheng Guoqing, chief statistician of the Urban Department of the National Bureau of Statistics, interpreted the statistical data of changes in the sales price of commercial housing in March 2023. In March, the sales price of commercial housing decreased month by month, and the year-on-year growth rate of all cities declined. In March 2023, among 70 large and medium-sized cities, the sales price of commercial housing decreased month by month, and the number of cities with year-on-year decline increased; The sales price of commercial housing in first-tier cities has decreased steadily from the previous month, with a year-on-year decline or a slowdown in growth rate. The sales price of commercial housing in first-tier cities decreased month-on-month, while that in second-and third-tier cities was flat or decreased. In March, among the 70 large and medium-sized cities, the sales prices of newly-built commercial housing and second-hand housing decreased in 38 and 45 cities respectively, two cities and 12 cities less than last month.

4. Zhengzhou City, Henan Province: It is necessary to increase credit support for the real estate industry.

/kloc-in April/April, Zhengzhou held a forum for financial institutions in April1February, and 10 banking institutions reported the credit situation in key areas such as manufacturing, real estate, infrastructure and inclusive finance respectively. The Municipal Bureau of Industry and Information Technology, the Municipal Housing Authority and the Municipal Development and Reform Commission released the planning and financing needs of major projects in key areas such as manufacturing, real estate and infrastructure. The People's Bank of China Zhengzhou Central Sub-branch and Henan Banking Insurance Regulatory Bureau put forward suggestions on how to promote the development of Zhengzhou's financial industry. Increase credit support for manufacturing, real estate, infrastructure, inclusive finance, organic renewal and other key areas.

5. Zhengzhou City, Henan Province: Expand the scope of first-time housing subsidies to all undergraduates and junior college students.

On April 15, Zhengzhou held a news forum.

On April 15, on the second floor of Huanggang Municipal Affairs Service Center, the housing provident fund mutual aid business window of Wuhan City Circle was officially opened recently. Employees who deposit provident fund in Huanggang can apply for provident fund loans directly in Huanggang if they buy a house in Wuhan. 20021,1February, Huanggang housing provident fund center and other housing provident fund centers in eight cities in Wuhan city circle reached three convergence issues: canceling the transfer restriction of normal deposit for six months, mutual recognition and mutual loan, and establishing a direct window linkage mechanism.

7. Huzhou City, Zhejiang Province: The loan amount for imported talents and newly employed college students can be increased by 30%.

Recently, the Housing Provident Fund Management Center of Huzhou City, Zhejiang Province issued a new policy of adjusting the provident fund, and "loosened" the first home loan policy of the provident fund in many aspects. For the first time, the provident fund loan was used to purchase the first set of independent housing, and the calculation multiple of the loan amount was adjusted from the current 10 to 15; The loan amount for purchasing new green buildings can be increased; The loan amount for imported talents and newly employed college students can rise by 30%. After the increase, the maximum loan for dual-employee families is 700,000, and the maximum loan for single-employee families is 550,000.

8. Zhuzhou City, Hunan Province: Focus on solving the problem of overdue delivery, orderly supply land, and activate the second-hand housing market.

Recently, Zhuzhou Municipal People's Government held a special meeting to study and support the development of the city's real estate industry. On the basis of previous research, a symposium on the development of real estate construction industry in the year of cultivating market players was held to listen to opinions and suggestions. Combined with the current real estate market situation, Zhuzhou City has formulated the Work Plan on Implementing Youth Innovation and Entrepreneurship Action. Chen Huiqing pointed out that it is necessary to strengthen the connection with the housing construction departments at higher levels, aggregate higher-level policies and increase support, focus on solving the problem of overdue delivery, meeting rigid demand, orderly land supply, activating the second-hand housing market, increasing the supply of affordable housing, developing the housing rental market, destocking parking spaces, standardizing market order, attracting the surrounding people to buy houses, and correctly guiding public opinion, and promptly revise and improve the "Several Measures (Draft) on Promoting the Healthy Development of the Real Estate Industry" to improve the standardization of measures.

Financing trend:

1. Shenzhen Railway Group: It is planned to issue/kloc-0.4 billion yuan ultra-short-term financing bonds with a term of 270 days.

On April 14, Shenzhen Metro Group released the subscription instructions for the third phase of ultra-short-term financing bonds in 2023. The issuance scale of debt financing instruments in this period is 6,543.804 billion yuan with a term of 270 days. The subscription range is 1.50%-2.00%. The release date is April 14, 2023. This issuance adopts the methods of bookkeeping and filing by the lead underwriter, centralized placement and designated account raising. China Everbright Bank Co., Ltd. is the lead underwriter and China Everbright Bank Co., Ltd. is the bookkeeping manager.

2. Xiamen International Trade: issued 654.38+0 billion yuan.

Ultra-short-term financing bonds with a maturity of 179 days.

On April 14, Xiamen International Trade Holdings released the subscription instructions for the fifth ultra-short-term financing bonds in 2023. The issuance scale of debt financing instruments in this period is 654.38 billion yuan, with a term of 179 days. The specific subscription period is from April 14 to April 17, 2023. The debt financing instruments in this issue are issued at face value, and the subscription scope is 2.60. Date of issue: April 2023 15; Date of issuance: April 2023 18; Date of payment: April 2023 18; Date of listing: April 20222 19; Date of payment/interest payment: June 10.

3. Financial Street: It is planned to borrow from the controlling shareholder Financial Street Group, with a total amount not exceeding 65.438+0.5 billion yuan.

On April 14, Financial Street Holdings disclosed the related party transaction announcement with Beijing Financial Street Investment (Group) Co., Ltd. According to the business needs, Financial Street plans to borrow from the controlling shareholder Beijing Financial Street Investment (Group) Co., Ltd., with the total amount of the loan not exceeding/Kloc-0.5 billion yuan, the annual interest rate not exceeding 5% and the term of three years. The loan principal does not exceed 654.38+0.5 billion yuan, the loan interest does not exceed 225 million yuan, and the principal and interest do not exceed 654.38+0.72 billion yuan. Financial Street said that Financial Street Group provides stable financial support and smooth financing channels for the company's long-term development, which can save financial transaction costs and reduce financing costs and risks. Financial Street Group's loans are flexible and can meet the company's capital needs. This related party transaction meets the needs of the company's business development.

Investment trends:

Chengdu, Sichuan Province 1: There are 654 residential stock projects with a total land area of 3,202 hectares.

On April 14, according to the residential land information of Chengdu released by official website of Chengdu Planning and Natural Resources Bureau. Up to now, there are 654 housing stock projects in Chengdu, with a total area of 3,202 hectares, of which131kloc-0/hectare has not been started, 189 1 hectare has not been started, and 569 hectares have not been sold.

2. Beijing: The pre-applied residential land in Songzhuang, Tongzhou District 1 case was listed, and the starting price was10.94 billion yuan.

On April 14, the Beijing Municipal Planning and Natural Resources Commission issued the announcement of 1 pre-application, namely TZ03-0202-6004, R2, the first-level development project of songzhuang town 6006 plot in Tongzhou District. This plot is located in the east of songzhuang town Zhaixinzhuang Group in Tongzhou District, with a construction land area of 543 15.6 12 square meters and a planned construction area of ≤97768. 1.0 16 square meters. The nature of the land is R2 Phase II residential land, and the degree of land development is six connections and one leveling. The initial transaction price of this plot is 65.438+0.94 billion yuan, and the pre-applied deposit is 65.438+0.00 million yuan. Pre-application will be accepted from April 14. If the enterprise completes the pre-application procedures before noon on April 18, 2023, it will be transferred to the second batch of commercial housing land supply in Beijing in 2023. Up to now, there have been 29 pre-applications for residential land in Beijing. If the pre-application procedures can be completed before noon on April 18, you can enter the second batch of centralized land auctions in Beijing this year.

Business dynamics:

1, oct: the sales in the first three months was 81.300 million yuan, down 56% year-on-year.

14 In April, OCT announced that in March 2023, the company realized the contracted sales area of139,000 square meters, with a contracted sales amount of 2.89 billion yuan; In March 2023, the company realized the contracted sales area of 452,000 square meters, which was 565,438+0% lower than the same period of last year. The contracted sales amount was 86,543.8+0.3 billion yuan, down 56% year-on-year. In March 2023, there was no new land in OCT. During the Tomb-Sweeping Day holiday in 2023, OCT participated in scenic spots, hotels and open tourist areas and received 778,000 person-times, which was the same as that in 20 19.

2. Blu-ray Development: It is planned to buy back 28,477,300 shares by judicial auction.

/kloc-In April, Blu-ray Development held the 41st meeting of the 7th Board of Directors on June 22nd, 2020. At the meeting, the Proposal on Repurchase of the Company's Shares by Centralized Bidding Transaction was reviewed and approved, and it was agreed to repurchase the shares by centralized bidding transaction, and all of them were used for the later implementation of the equity incentive plan. Blu-ray Development repurchased 28,477,300 shares according to the capital situation, accounting for 0.94% of the total share capital. It is worth noting that this is not the first time that Blu-ray Development shares have been put on the auction table. On 20021September 10, Blu-ray Development announced the results of the judicial auction of some shares of the company held by the controlling shareholder. The shares auctioned by the judiciary this time are 64,789,800 shares of unrestricted shares of Blu-ray Development held by Blu-ray Investment Holding Group Co., Ltd., the controlling shareholder of Blu-ray Development, accounting for 2. 13% of the total share capital of Blu-ray Development. In addition, on August 265438, 20265438, Blu-ray Development announced that due to the default of stock pledge and debt, some shares of the company held by the controlling shareholder were judicially auctioned, saying that three judicial auctions would be held on September 20021day, September 9 and September 15. The cumulative number of shares to be auctioned in the three equity auctions is 234 million shares, accounting for 7.72% of the total share capital.

3.CCCC Real Estate: The net profit of 202 1 decreased by 32% to 236 million, with annual sales of 56 billion.

4. Xiamen Housing and Construction Group: Accepting the equity transfer of Xiamen Anzhu Group 100%, which involves major asset restructuring.

Recently, Xiamen Housing and Construction Group Co., Ltd. issued a major asset restructuring announcement, entrusting New Century Rating with credit rating. On March 1 2023, the General Office of Xiamen Municipal Committee issued the Implementation Plan for Layout Optimization and Structural Adjustment of State-owned Economy in Xiamen. In the implementation plan, it is decided to rename Xiamen Housing and Construction Group Co., Ltd. as Xiamen Anju Holding Group Co., Ltd. (hereinafter referred to as "Anju Holding") and transfer the equity of Xiamen Anzhu Group Co., Ltd. to Xiamen Anju Holding Group Co., Ltd. It is reported that this transaction is in the form of free transfer, and the original shareholder is Xiamen SASAC. The State-owned Assets Supervision and Administration Commission of Xiamen City held 65,438+000% equity of Zhujian Group, and then the State-owned Assets Supervision and Administration Commission of Xiamen City transferred 65,438+000% equity of Anzhu Group to Zhujian Group.

Related Questions and Answers: Related Questions and Answers: What is the mortgage interest rate of banks in 2020? How to choose? On April 20th, 2020, the People's Bank of China authorized the National Interbank Funding Center to publish the loan market quotation (LPR).

This is also the biggest decline after the mortgage interest rate is linked to LPR.

Some netizens said: Even if LPR drops, the minimum mortgage interest rate is only 5. 1%, and the new house purchase loan has not dropped.

Koala consulted Guangzhou 14 banks as pets and found that the mortgage interest rates of 12 banks were lowered along with LPR.

However, after 20 days, the bank's mortgage interest rate has quietly changed. Two banks actually said that the interest rate of the first suite would not be raised, which can be said to be very favorable according to the LPR benchmark.

In addition, the koala also found the following changes:

Five banks rebounded quietly, five banks continued to fall, and eight banks had interest rates below 5%. The highest interest rate of the first set is 5.20%, and the lowest is 4.65%. The second set of interest rates is the highest 5.53% and the lowest 5.25%.

Let's take a look at the latest mortgage interest rates of major banks in Guangzhou!

0 1

The mortgage interest rate of Guangzhou Best Hui Bank has dropped.

First of all, since the implementation of LPR policy, the calculation formula of mortgage interest rate now is:

Mortgage interest rate =LPR interest rate+basis point

Among them, the LPR interest rate will be updated on the 20th of each month. The shortest repricing period of existing mortgage loans is one year, that is, the interest rate of loan buyers needs to be adjusted once a year.

According to Xiao koala, compared with April 20, the first set of interest rates of at least five banks have been raised; At least three banks' interest rates on second home loans have gone up (while the first home loan has not been settled).

However, the first set of interest rates of at least five banks has declined; The interest rate of four sets and two suites is lowered.

The following are the latest loan interest rates of 20 banks within the statistical scope:

On the whole, the downward adjustment of mortgage interest rates of most banks is influenced by the downward adjustment of LPR.

From the overall situation of the country, the average interest rate of the latest first home mortgage is 5.43%, and the average interest rate of the second home mortgage is 5.74%.

In addition, HSBC increased 10bp on the basis of the first set in March, and directly pressured the LPR interest rate in April.

The interest rate of the first home mortgage is only 4.65%, which is the most favorable bank.

However, Koala learned that some banks are subdivided according to whether customers are the first or second set, whether the first home loan is paid off, and customer qualifications. The mortgage interest rates corresponding to different conditions are different.

The loan amount will also lead to different points. For example, the Agricultural Bank of China said that if the first home loan amount is more than 2 million, it will be cheaper than the mortgage interest rate below 2 million.

In addition, in the banks consulted by Koala, it is basically said that you can apply for a mortgage in 3-5 days, which is still a good loan at present.

02

Does the decline in interest rates have a big impact on buyers?

On April 20, the central bank ushered in the biggest interest rate cut.

Among them, the interest rate of 1 year LPR is 3.85%, compared with 4.05% before; The 5-year LPR interest rate is 4.65%, compared with 4.75% before.

(China People's Bank official website screenshot)

After the interest rate cut, will it have a big impact on property buyers?

The 5-year LPR is reduced from 4.75% to 4.65%. Take the loan of 6,543,800 yuan (monthly payment of 30 years) as an example. If the loan is repaid to 60 yuan every month, the accumulated interest can be saved by 265.438+0.637.9 yuan.

As the reference interest rate of mortgage loans, the LPR with a term of more than five years is the third reduction since the interest rate reform last year.

According to professional prediction, the probability of LPR appearing in May will decrease.

In addition, koala also prepared the housing loan policy provided by the bank for everyone. At present, the housing loan policy being implemented in Guangzhou is aimed at the restricted purchase and loan areas. Come and see your loan qualification!

Note: The specific loan interest rate is subject to the approval of the bank, and the above contents are for reference only!