The new down payment policy has been implemented for 20 days. What properties in Kunming have implemented the policy of 20% down payment, and which banks can handle commercial loans with 20% down payment? Up to now, more than 30 properties in the main city of Kunming, such as Vanke Park, Runcheng, Helen International and Xicheng Times, have started to implement 20% down payment, and there are as many as 8 cooperative banks.
More than 30 properties in the main city of Kunming implement the 20% down payment policy, mostly popular properties!
Up to now, more than 30 properties in Kunming can handle 20% down payment, and most of the banks that can handle 20% down payment are China Merchants Bank, Bank of China and China Construction Bank. In addition, a small number of properties can also apply for 20% down payment commercial loans in ICBC, Agricultural Bank of China, Ping An Bank (0000 1, share bar), Shanghai Pudong Development Bank (600000, share bar) and Minsheng Bank (6000 16, share bar).
Among the five districts of the main city, Guandu District 10 buildings, including Vanke Park, China Merchants Mansion, Shi Hao chansons Times, Yaoxing Fontainebleau, Lingxiu Xingyuan, Vanke Charming City, Cui Yi Garden, Shengyipin, Helen International and Shanhaiwan, can all apply for 20% down payment. Among them, China Merchants Mansion and Cuiyiyuan are selling villa products, and the rest are high-rise residential products. In these properties, in addition to China Merchants Bank, China Construction Bank and other banks, Shanhaiwan can also apply for a 20% down payment at Ping An Bank.
Runcheng in Xishan District, Yunnan Radio and Television International Media Center and Junfa Jiuxia Yunshui can all apply for a 20% down payment business loan. Among them, the villa products sold by Junfa Jiuxia Yunshui can apply for a 20% down payment at Shanghai Pudong Development Bank; The other two properties are high-rise residential buildings, and 20% down payment can be applied for commercial loans at CCB.
Eight buildings in Panlong District, such as Zidongyuan, Zidongyangyuan, Landmark Plaza, New World, Junfa Tangshengcheng, Jin Yue Four Seasons, Vanke Baisha Runyuan and the famous city Dongshang, can apply for a 20% down payment commercial loan. Among them, Zidongyuan and Zidongyang Garden are small high-rise residential buildings; Vanke Baisha Runyuan is selling houses, and the rest are high-rise residential products. Among the properties that can be executed with a down payment of 20%, in addition to ICBC, CCB and China Merchants Bank, Mingcheng Dongshang can also handle commercial loans with a down payment of 20% at Shanghai Pudong Development Bank.
Wuhua District has six properties, namely Evergrande Du Ming, Xicheng Times, Garden City, Zhonghai Jinyuan, Greentown Chunjiang Yue Ming and Wancai City, which can be paid down by 20%. Six projects are mainly high-rise residential buildings. Among them, Garden City can apply for a 20% down payment commercial loan at Minsheng Bank.
Chenggong New Town also began to implement the 20% down payment policy for some properties, namely Huijingyuan, Pan-Asian City-State, Dianchi Pearl Plaza and Yuhua International. These projects are high-rise residential buildings, among which Huijingyuan and Dianchi Mingzhu Square can handle 20% down payment in CCB; Pan Asia Baoli and Yuhua International can apply for a 20% down payment in BOC.
The down payment dropped to 20%, and the property market responded quickly.
On September 30 last year, before the National Day, the central bank made a big move and announced that the minimum down payment ratio for the first suite was adjusted to not less than 25% in cities that are not limited to purchase. However, apart from the introduction of this policy, the response of Kunming property market was not immediate, and only a few properties began to implement 25% down payment until the end of the year. After a lapse of four months, on February 2 this year, the central bank announced again that in cities that do not implement purchase restrictions, the down payment for the first home commercial loan can be reduced to a minimum of 20%. Different from before, after the down payment was reduced to 20%, the response of the property market was relatively rapid.
Half a month after the introduction of this policy, Vanke took the lead in saying on its official WeChat that "Kunming Vanke has three sets, with full support of 20%". Only 20 days after the introduction of the New Deal, there are more than 30 buildings in Kunming where 20% down payment can be made. Most banks that can handle 20% down payment for commercial loans are China Merchants Bank, China Construction Bank and China Bank.
During the investigation, some properties indicated that they have not received the notice of implementing the 20% down payment, but they may be implemented in the future. In addition, according to the property consultant, there is no threshold for some properties to handle 20% down payment commercial loans, which can be handled only by looking at personal credit information, but some properties are mainly aimed at civil servants, institutions and other groups with stable income.
(The above answers were published on 20 16-02-24. Please refer to the actual situation for the current purchase policy. )
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