It was learned from banks and intermediaries that the mortgage policy for new and second-hand houses in Beijing has been tightened again. Since May 1 day, the benchmark interest rate has been implemented for the first suite of new houses and second-hand houses in some banks, while the second suite has risen by 20% on the basis of the benchmark interest rate.

This news means that the central bank's "targeted interest rate hike" for the property market has begun.

1, what is a directional interest rate hike?

The so-called "directional interest rate hike" has two meanings:

First, due to the different situation of the property market in different cities, the whole country has implemented the regulation means of "sub-city policy". Hot cities like Beijing will be ordered to raise interest rates for the property market;

Second, the same city will also implement different interest rates for different grades of buyers.

And this kind of interest rate increase and differential interest rate for specific cities and specific buyers is very likely to be promoted nationwide in the future. Because destocking in third-and fourth-tier cities is still going on, a comprehensive interest rate hike is suspected of being "one size fits all". After the directional interest rate increase, the interest expenses of buyers who enjoy different grades of interest rates will have a huge gap.

For example, for the same loan of 3 million yuan, the time is 20 years, and the repayment method of equal principal and interest is adopted:

① If you enjoy a 15% discount on the loan interest rate, the monthly repayment will be 1844 1 yuan, and the accumulated total repayment will be 4.426 million yuan;

② According to the benchmark interest rate of the loan interest rate, the monthly repayment is 19633 yuan, and the cumulative total repayment is 471.2000 yuan;

③ If the loan interest rate rises by 20%, the monthly repayment will be 2 1286 yuan, and the accumulated total repayment will be 5109,000 yuan.

The minimum and maximum monthly payment gap reached 2,845 yuan, and the total repayment gap reached 683,000 yuan. Moreover, if the central bank keeps raising interest rates in the future, you should always wear the "handcuffs" of 1.2 times the interest rate.

It can be seen that "targeted interest rate hikes" are extremely lethal to the property market. This practice is likely to become a part of the "long-term mechanism for property market regulation". The house is for living, not for speculation! Quietly, the state seized the throat of the property market from both the supply side (increasing land supply) and the demand side (restraining the demand for real estate speculation from the aspect of funds).

2

Beijing/kloc-8 of 0/3 districts fell by nearly 70%, and second-hand housing owners reduced their prices.

From "virgin loan", "divorce loan" and "new housing policy for school districts", increasing land supply and devastating blow to commercial property, to "targeted interest rate increase in the property market" ... Beijing's property market regulation is constantly upgrading!

Beijing's property market is also undergoing a reversal:

It is reported that some second-hand houses in Beijing have been reduced in price, and the price reduction of individual houses in the same property has exceeded10%; A number of big-name second-hand housing agents closed some of their own stores. The data shows that in the second week of April, the proportion of price reduction owners rose to 66.9%, the highest level since 20 16.

The data shows that the average house prices in 8 districts of Beijing 13 have fallen, and the average house prices in Dongcheng District, Xicheng District, Shijingshan District, Chaoyang District, Fengtai District and Tongzhou District have dropped by 5.4%, 3.8%, 2.3%, 2%, 2% and 1%, among which 9 districts rank among the top 20 in the chain home system. The price of individual houses was reduced by 4 million yuan.

What is the housing price situation in other cities?

Shanghai: With the continuous effect of regulatory policies, the Shanghai real estate market has not shown a rapid upward trend. The data shows that the price of new commercial housing dropped by 0. 1 percentage point from February.

Shenzhen: Since last year 1 1 month, the turnover of new houses in Shenzhen has been declining for five consecutive months, among which, the monthly turnover in March was 803 sets, setting a new low since the data was available in September of 201year. In addition, housing prices in Shenzhen are also declining. Since last year 10, the price chain index has been negative for five consecutive months.

Under strict control, the property market "enters the winter" far more than these cities, and some cities in the third and fourth lines are also following up.

three

School district housing is no longer a price per day.

1 1 square-meter bungalow aisle hawking1500,000 yuan, even if they "fake divorce", they have to squeeze into the upside-down school districts in the east and west of Beijing ... Anxious parents are both victims and important promoters of the rising housing prices in the school districts.

After the Spring Festival this year, Beijing began to strictly control degree rooms. There are two main measures:

First, it is to establish a university district system, and draw lots to obtain degrees in the district, so that more communities can dilute the "degree bonus"; Empty hanging households, collective households, household registration, etc., can not get a degree.

Secondly, the definition of degree room should be tightened, and the conditions such as corridor room, garage, renting illegally built houses, office buildings, basements, and multi-person sharing are not considered as admission qualifications.

There is one of the strangest rooms in the degree room-"aisle room". For "corridor rooms", the latest regulations in Beijing in March this year said:

No real estate transfer registration, no hukou, and no admission qualification are allowed; The "corridor" of the bungalow should be marked in the real estate registration; Strictly control the unauthorized division of a residential bungalow into multiple rooms. According to media reports, the above regulations have been implemented in Haidian District. As for other districts, it is certainly no exception.

The regulatory lethality of this school district and degree room should not be underestimated. Take the "corridor houses" as an example. After the full implementation of the New Deal, such "houses" lost their degrees first, and then they could not transfer their registration or register their accounts. In this way, the unit price of one square meter/kloc-0.5 million yuan, or halved.