Hefei is the capital of Anhui Province, the sub-center of the Yangtze River Delta urban agglomeration, and a strategic dual-node city with the Belt and Road Initiative and the Yangtze River Economic Belt. Whether it is economic development, urban construction or political culture, many people choose to work and live in Hefei. In recent years, Hefei's urban advantages have made Hefei's housing prices rise abnormally, and the increase is staggering. The housing price problem in Hefei has become the focus of many people's attention. The prices of both new and second-hand houses are at historical highs. Due to the high housing prices, many people now borrow money to buy a house. The following small series will tell you about the new policy of Hefei's second-hand housing loan. Is Hefei's second-hand housing not given loans, and Hefei's second-hand housing is not sold?

First, Hefei second-hand housing loan new policy

Whether for new houses or second-hand houses, buying a house by loan is a way to alleviate the pressure of buying a house, but the policies for new house loans and second-hand house loans are different in different regions. Let's take a look at the new policy of second-hand housing loan in Hefei.

1. If you have a suite in Hefei and a suite in other places, and both suites have loan records, you won't pay back the money. Then buy a second suite in Hefei with a down payment of 60%.

2. No room, no loan record, 30% down payment. 40% of the first loan without a house has been settled and 50% has not been settled. There is a suite in Hefei with no loan record of 40%, the first loan record has been settled 40%, and the outstanding 50%.

As Beijing, Nanjing and other cities cancel the 10% discount on the interest rate of the first home mortgage, the wind of tightening monetary policy in the property market is getting closer and closer. It is learned from some banks in Hefei that although banks are still implementing the previous interest rate concessions of 15%, 93% and 10%, it is expected that the cancellation of discounts will be the future trend.

Second, Hefei second-hand housing does not give loans?

There is news on the Internet that second-hand houses in Hefei are not allowed to lend, which makes many people who want to buy a house in Hefei very nervous. Second-hand housing is the mainstream transaction property in the real estate market. If the second-hand house is not allowed to lend, it means that the second-hand house is not allowed to buy and sell in disguise. Is it true that Hefei won't lend second-hand houses?

2065 438+09. 8. 23 It is reported that Hefei's mortgage policy has been tightened, and 12 Bank has stopped the second-hand housing loan business; Although the other six companies still have places, the processing time is more than half a year. At the same time, the interest rate of second-hand housing loans in Hefei has generally risen, which is about 20%-30% higher than the benchmark interest rate.

Hefei definitely wants to sell more new houses and land to maintain land income, so it is necessary to "limit" the transaction of second-hand houses.

Hefei stopped the second-hand housing loan business, mainly to freeze the second-hand housing transactions and let the market turn cold; Thereby promoting the turnover of new houses. In fact, the second-hand housing inventory is mainly in the hands of residents, and the overall risk is relatively low, and it can also withstand a long period of sideways. Now freezing transactions can also squeeze out highly leveraged real estate speculators, which is multifaceted.

Third, second-hand houses in Hefei cannot be sold.

Housing prices in Hefei have experienced a crazy rise in recent years. Many people who live and work in Hefei say that the income level of Hefei people can't support such high housing prices, and second-hand houses in Hefei can't be sold. Is it true?/You don't say.

Let's take a look at the listing of second-hand houses in Hefei, which has exceeded 54,000 sets. According to the number of houses sold in the last 90 years published by Chain Home, it is theoretically enough to sell for 48.8 months.

1, Binhu: 23,800 yuan/_ In Shilu County, Wanxinlang, due to its high positioning and extremely limited customer base, it is often impossible to sell a set for several months.

2. Yaohai: Hefei has a large number of listed second-hand houses, close to 9,000 sets. Because the regional value is not obvious, most houses are relatively old, and many houses have long been neglected.

3. Luyang: The non-school districts along the Central Road in the old city are old and small, and many of them are madly reducing prices.

4. Shushan: The whole north of Changjiang Road is in total collapse in terms of price decline, appreciation space, premium space and transaction cycle.

In the cold environment of second-hand houses in Hefei, some customers can't stand the pressure and choose to sell houses at low prices. Although there are not many such cases, they also reflect the grim situation of the property market.

The above is about the new policy of Hefei's second-hand housing loan. Does Hefei's second-hand housing not give loans and Hefei's second-hand housing cannot be sold? I hope I can help you!