2023-07-10 08:04:07
The central bank’s 70% loan limit is not a good idea. When it was announced on June 15, it sparked a controversy regarding “hiring people who want to change houses.” thorough” criticism. In this regard, Xu Jiaxin, executive director of the real estate planning and research office of the real estate company, said that in 2010, the central bank also resorted to the method of cutting books when buying houses. She believes that this method is “giving each other a way out”, especially letting house buyers, banks and real estate agents. These three people have the same way of life.
Netizens criticized the central bank’s good intentions for incomplete house crackdowns. Xu Jiaxin believes that the central bank’s move is to let the three types of people, the house swappers, the banks and the real estate brokerage industry, have a way out.Real estate market diagram/Provided by Fang Zhongye
The central bank’s mid-June interest rate meeting introduced the fifth wave of credit control, and the loan ratio of the second household was limited to 70%. The outside world is worried that it may hit the self-occupied home buyers. Lei Zhongda, who is also a member of the central bank and the new chairman of Mega Financial Holdings The next day, he said bluntly that this policy is indeed very hurtful to the “buy first, then sell” house changers. He will report to the central bank to see if he can propose supporting measures. “, “Fighting match-fixing”, thinking that the central bank’s housing crackdown is not thorough enough.
When the central bank announced the matching package today, it emphasized that in order to achieve the purpose of this credit control and take into account the actual capital needs of people who change houses, the practice of cutting the book was launched following discussing with a number of major banks. Because without this package, the mortgage rate dropped from 80% to 70%. If you want to change a house or buy a pre-sale house before, you will suddenly need to raise 1 million more in cash if you buy a 10 million yuan house. RMB 10,000 in cash, and the capital turnover will be immediate.
Xu Jiaxin is here todayFacebook “Xu Jiaxin Real Estate Life Office”The post stated, “This matter was done once in 2010 when the central bank was buying houses. At that time, the regulations were stricter. In the end, it was also stuck in the lack of loans for the house-moving family. It was also solved by cutting knots. Joe, it’s because the bank is facing the front line and really needs customers, and there are endless buttocks.
Xu Jiaxin: The central bank has let three kinds of people live
In an interview later, she said that the central bank’s package today “released three types of people to make a living”. The second is the bank, which can’t release the full position, and can put the loan in the sale of the house with better credit quality. She said that the last time the central bank implemented it in 2010, it was not for the construction business to go to Qiao, but to get the self-use customer, and the bank quickly There is such an approach (cutting the book) only when there is a collapse.
The third way of life is Fang Zhongye. Xu Jiaxin lamented that the real estate brokerage industry has had no house to sell for a long time (meaning that the transaction is cold), and now the new package is cut and ordered to replace the house and the family is forced to sell it within one year. The homeowner is under time pressure and is generally more willing to give up the price . Therefore, the central bank’s move today is actually “giving each other a way out.”
In response to many criticisms in the market that the central bank’s move is not ruthless, she said, “Some people think that this is because the house purchase is not thorough. If you have a pair of children, you bought two houses before, and when the children grow up, you will be under pressure. Parents, I hope that by then You can still say something like this that doesn’t know the suffering of others.”
She also shared on Facebook earlier that although some people say that selective credit control is useless, in fact, some people still get it. . Another kind of unlucky thing is that in the past few years, I have bought pre-sales and made up my mind to use them myself. I don’t know that the house delivery price has exceeded the luxury house standard, and the loan is shrinking immediately, and I can’t sell it even if I want to sell it. The friends who got it said that life is really an absurd drama intertwined with sorrow and joy. With regard to the supporting measures introduced by the central bank today, she hopes that everyone can understand the hardships of house buyers.
further reading
Experts on the central bank’s loosening of loan restrictions: avoid hurting innocent people
Ye Yiru, Special Correspondent of Yahoo Finance: 22 years of experience in financial mainstream media, from the bubble of Web1.0 in 2000 to Web3.0 of the Meta universe, witnessed the history of the rise and fall of large and small business groups in Taiwan, and experienced five international financial crises. Think that finance is life, omnipresent, no matter how difficult financial management knowledge should be explained in a simple way. No matter you are young or old, you should manage money. If you don’t manage money, money will ignore you.
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