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 on the property market;
Second, the same city will also implement different interest rates for buyers of different grades.
And this kind of interest rate increase and differential interest rate for specific cities and specific property buyers is very likely to be promoted nationwide in the future. Because destocking in third-and fourth-tier cities is still going on, raising interest rates across the board is suspected of being "one size fits all". After the directional interest rate increase, there will be a huge gap in interest expenses of buyers who enjoy different interest rates.
For example, for the same loan of 3 million yuan for 20 years, the repayment method of equal principal and interest is adopted:
① Enjoy a 15% discount on the loan interest rate, with monthly repayment of 1844 1 yuan, with a total repayment of 4.426 million yuan;
(2) According to the benchmark loan interest rate, the monthly repayment is 19633 yuan, and the total repayment amount is 471.2000 yuan;
③ The loan interest rate rose by 20%, and the monthly repayment was 2 1.286 yuan, with a total repayment of 5 1.09 million 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 continues to raise 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 part of the "long-term mechanism for property market regulation". The house is for living, not for speculation! The state has quietly seized the throat of the property market from the supply side (increasing land supply) and the demand side (restraining the demand for real estate speculation from the capital side).
2
Eight districts in Beijing 13 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 has dealt a devastating blow to commercial properties, to "targeted interest rate increase in the property market" ... Beijing's property market regulation has been continuously upgraded!
Beijing's real estate market is also undergoing a reversal:
It is reported that some second-hand houses in Beijing have reduced prices, and the price reduction of individual houses in the same real estate has exceeded10%; A number of big-name second-hand housing agents closed some of their stores. The data shows that in the second week of April, the proportion of car owners with reduced prices 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 dropped, and the average house prices in Dongcheng District, Xicheng District, Shijingshan, Chaoyang, Fengtai and Tongzhou have dropped by 5.4%, 3.8%, 2.3%, 2%, 2% and 1% respectively, among which the house prices in 9 districts with the top 20 chain home system have dropped. The price of individual houses was reduced by 4 million yuan.
What are the housing prices 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 decreased by 0. 1 percentage point compared with February.
Shenzhen: Since last June 165438+ 10, the transaction volume of new houses in Shenzhen has been declining for five consecutive months, among which 803 sets were sold in March, setting a new low since September of 201/. In addition, housing prices in Shenzhen are also falling. Since June last year, 65438+ 10, the price chain index has been negative for five consecutive months.
Under strict control, the property market is far more than these cities, and some third-and fourth-tier cities are also following up.
three
School district housing is no longer a price per day.
1 1 square-meter bungalow aisle hawking 1.5 million yuan even if it is a "fake divorce", it will be squeezed into the upside-down school district in the east and west of Beijing ... Anxious parents are both victims and important promoters of the school district housing price increase.
After the Spring Festival this year, Beijing began to strictly control degree rooms. There are two main measures:
First, establish a university district system, draw lots in the district to obtain degrees, so that more communities can dilute the "degree bonus"; Empty hanging households, collective households, household registration, etc. Can't get a degree.
Secondly, the definition of degree rooms should be tightened, and conditions such as corridor rooms, garages, renting illegal houses, office buildings, basements, and multi-person sharing should not be considered as admission qualifications.
There is the strangest room in the degree room-the "aisle room". For the "corridor room", Beijing's latest regulations in March this year said:
No real estate transfer registration, no hukou, no admission qualification; 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, of course, it is no exception.
The regulatory lethality of this school district and degree room should not be underestimated. Take the "corridor house" as an example. After the full implementation of the New Deal, such "houses" lose their degrees first, and then they can't transfer ownership or register their accounts. The unit price of such a square meter is 6.5438+0.5 million yuan, or it is halved.