Recently, the interest rate of the first housing provident fund loan in Chengdu was officially lowered, and the latest loan interest rate has dropped to 3.1%, which is a real benefit for home buyers.
Not only that, many places across the country have also adjusted the interest rate of first-home homes, and further relaxed the interest rate on commercial loan interest rates, provident fund interest rates, and personal income tax on selling and changing houses. This is also called the "National Day gift package". Many industry insiders interpret this as "a strong signal of to save the market ".
Latest, Chengdu provident fund loan interest rate dropped to 3.1%
On the evening of September 30, the central bank issued a notice that starting from October 1, 2022, the provident fund loan interest rate for the first personal housing provident fund loan will be reduced by 0.15 percentage points. This means that the interest rate for more than 5 years has been adjusted from the original 3.25% to 3.1%. The interest rate for the second home loan policy remains unchanged.
This is after 7 years, the central bank has once again lowered the interest rate for the first personal housing provident fund loan. The last adjustment dates back to October 2015.
At present, according to the Chengdu Housing Provident Fund Management Center, the interest rate of personal housing provident fund loans has been adjusted. The loan interest rate for the first home for less than five years (including five years) is 2.6%, and 3.1% for more than five years. The second house has a period of less than five years (including 5 years) and 3.575% for more than five years.
After executing the new provident fund loan interest rate , for first-home buyers, they will really save the cost of buying a house.
is calculated based on a provident fund loan of with a total of 1 million yuan and a period of 30 years. Under the repayment method of equal principal and interest, after the 3.1% interest rate is implemented, the monthly monthly payment of provident fund loan will be reduced by 82 yuan, and the cumulative monthly payment in 30 years will be reduced by nearly 30,000 yuan.
multiple lands have lowered the interest rate for first-home homes, with a minimum of 3.7%! Will Chengdu follow up?
Provident fund loans are welcomed, so how about commercial loans?
For this reason, the Cover News reporter learned from the four major banks in Chengdu and many banks that the minimum mortgage interest rate for first-home homes in Chengdu is still implemented at 4.3%. If the first mortgage is settled and you want to buy a second home, you can also execute it at an interest rate of 4.3%. According to a real estate agent of Lianjia, some small banks can even achieve 4.1%.
. Just recently, Qingyuan City, Guangdong Province issued a new policy, and the interest rate for first-home commercial loans can be as low as 3.7%!
It is understood that this is the first city to respond to the policy since the People's Bank of China and Banking and Insurance Regulatory Commission decided to phased adjustments to the implementation of the differentiated housing credit policy at the end of September.
In addition, Wuhan and Jining have also recently implemented the "lower limit on mortgage interest rates", and the interest rates of the first home loans are implemented at 3.9% and 3.95% respectively.
Cover News reporter noticed that there are two major categories of this "targeted interest rate cut":
First of all, time limits, the window period for interest rate cuts starts today and ends before the end of 2022; secondly, interest rates are linked to housing prices, and this policy can only be applied in cities where the sales prices of newly built commercial housing have fallen continuously from June to August 2022.
Which cities meet the requirements of continuous decline in housing prices in the past three months?
6-August "Sales Price Index for Newly Built Commercial Housing in 70 Large and Medium Cities", there are 23 cities that meet the requirements, namely:
Tianjin, Wuhan, Guiyang, Kunming, Luzhou , Shijiazhuang, Dalian, Harbin, Lanzhou, Qinhuangdao , Botou , Wenzhou , Anqing , Quanzhou , Jining, Yichang , Xiangyang , Yueyang , Changde , Zhanjiang , Guilin, Beihai , Dali.
is also listed among the new first-tier cities, Tianjin and Wuhan. The Luzhou City in the province also meets the , but Chengdu obviously does not meet the html.
So at present, the interest rate of first-home mortgage in Chengdu should not be able to exceed 4.1%.
More than one favorable policy has been superimposed, and the opportunity to " get on the car " is here.
In addition to provident fund and commercial loan interest rates have been reduced, a few days ago, a tax refund discount for buying and changing houses was also issued for one year.
htmlOn September 30, the State Administration of Taxation of the Ministry of Finance announced: Announcement on the personal income tax policy for the replacement of housing for residents. From October 1, 2022 to December 31, 2023, taxpayers who sell their own houses and repurchase their houses in the market within one year after the sale of the current house will be given tax refund preferential treatment for the personal income tax paid for the sale of the current house.Among them, if the amount of newly purchased housing is greater than or equal to the amount of the current housing transfer, all personal income tax paid shall be refunded; if the amount of newly purchased housing is less than the amount of the current housing transfer, the personal income tax paid for the sale of the current housing shall be refunded in proportion to the amount of the newly purchased housing to the amount of the current housing transfer.
Before in Chengdu, second-hand houses were "only only" (the houses of five years and the only houses of the family) were exempt from personal income tax. Houses that do not meet the "only only ones of five years" must pay personal income tax. Calculated at 1% of personal income tax, a house in most cities can save taxes between 30,000 and 50,000 yuan, while some housing units in Beijing, Shanghai, Guangzhou and other cities may save more than hundreds of thousands of yuan.
Due to current market practices, the personal income tax for second-hand housing transactions is often borne by the buyer. After the new policy of replacing the personal income tax refund is implemented, it will help increase the liquidity of the property with personal income tax.
is based on many favorable factors at present. For home buyers, the overall environment gives room for buying a house very generous, and it is a good opportunity to "get on the car"!
Cover News Reporter Han Qinqing
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