Non -restricted region's first settlement of 20%and two sets of down payment is 30%. Many banks in Jinan have landed on the ground

On September 22, Jinan's real estate restriction area was adjusted for a week. New Yellow River reporters found that many banks have followed up credit policies, and the proportion of "first payment of the first house of non -restricted regions and 30%down payment for the second suite".

From September 16th, Jinan City has been adjusted for the second time during the year. In addition to the second ring roads and urban areas, new houses and second -hand houses in non -purchase areas will no longer have units and sales restrictions. There are no more taxes and social security requirements for buying a house. At the same time, the credit policy of non -purchasing areas is implemented to implement "recognition of loans and not recognizing houses".

"After the adjustment of the Jinan property market restriction area, the China Merchants Bank has adjusted the loan policy. The first set of houses in the non-purchasing area is 20%, and the interest rate execution of LPR-20BP (ie 4.1%); the down payment ratio of the second house is 30%, the interest rate execution LPR+60bp (ie 4.9%4.9% ). For foreign personnel, non -purchasing regions do not need to provide academic qualifications or social security. "The relevant person in charge of China Merchants Bank told Xinhuanghe reporter.

The reporter's interview found that the non -restricted area "20%down payment in the first house and 30%down payment for two sets" is the proportion of most banks landing. At present, some banks have officially implemented new credit policies, and banks such as the Construction Bank Jinan Branch and Qingdao Bank Jinan Branch have also begun to accept.

In addition, some banks also uniformly implement the ratio of 30%down payment and 40%down payment of the first house for purchase restrictions and non -purchase areas.

Some real estate sales agencies have stated that they have received pre -inquiries on the adjustment of credit policy adjustments. However, during the verification process of reporters and banks, some banks stated that it was inconvenient to confirm publicly at this stage. Another bank is still in the investigation stage.

"The non -restricted area expands and the ratio of down payment is reduced. With the unchanged funds in the hand, you can buy a house with a higher total price, and the choice has increased a lot. It is very friendly for people like us." Recently Mr. Han, who is watching the house. With more banks' new credit policies, the convenience of home buyers will be further improved.

New Yellow River Client Reporter: Editor of Gao Ying: Sun Feifei

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