Autumn winds slightly, the weather is getting cooler, and the traditional peak season of the real estate market " Golden September " has passed the "Silver October".
So how is the "Golden September" real estate market going through? Let's browse quickly!
According to statistics from Hefu Research Institute (Zhuhai),
September 1 Zhuhai commercial housing online signing sold a total of 45,871 units, up 6 4% month-on-month in August 2019 (5,555 units), and a significant increase of 138% year-on-year (2,466 units);
transaction area 4.422 million ㎡ , down 11% month-on-month.
▲September 2018-September 2019 online signing trend
This year's "Golden September" has indeed lived up to expectations. From the haze of 2018, the real estate market has been hot and can be seen from the naked eye. It can also be seen from the trend table that the Zhuhai real estate market has been "sky different" from the previous year since 2019.
rush to lose inventory, transactions remain hot
According to statistics from various business formats in Hefu Research Institute (Zhuhai) in September:
residential online signing , a total of 3,603 units, a decrease of 1% from August (3,636 units); ;
commercial online signing sold 332 units, a decrease of 42% from August (576 units);
office online signing , a decrease of 23% from August (478 units);
other online signing sold 1,562 units.
Residential transactions are the focus of the entire market and the key to supporting the market. However, the residential market in September was only barely flat, which indirectly reflects that the inventory pressure of Zhuhai's real estate market is relatively high.
. At present, some real estate companies have adopted the strategy of reducing prices and exchanging prices for volume during the "Golden September and Silver October" period to stimulate sales.
▲In September 2019, various commercial housing transactions were
From the perspective of regional residential online signing:
Doumen residential units sold, down 1260 units, down 14% month-on-month in August (1466 units), Jinwan (including Gaolan Port) residential units sold, down 11% month-on-month in August (877 units).
Main urban area Tangjia performed outstandingly, with 477 residential units sold, becoming the champion of transaction volume in the main urban area. Hengqin and Nanwan were comparable, with 358 and 305 units sold respectively.
▲See list of commercial housing and residential online signings in various regions of Zhuhai in September 2019
mortgage interest rate starts today "change anchor"
Starting today (October 8, 2019), the newly issued commercial personal housing loan interest rate is formed with the loan market quotation interest rate of the corresponding period of the last month as the pricing benchmark.
Past: loan house purchase pricing method is "benchmark interest rate × discount or float" , the national benchmark interest rate is fixed at 4.90%, and the discount and float change with the bank.
Today: will enable "LPR+ points" . Among them, LPR is announced on the 20th of each month, and the added point value is negotiated with the borrower in accordance with the requirements of national and local housing credit policies, and comprehensive loan risk status.
In addition: announcement also requires that the interest rate of the first set of commercial personal housing loan of shall not be lower than the market quotation rate of the corresponding term loan, and the interest rate of the second set of commercial personal housing loan of shall not be lower than the market quotation rate of the corresponding term loan of 60 basis points.
Reference: 's 5-year LPR quote on September 20 is 4.85%, so the interest rate for the newly issued first personal housing loan shall not be lower than the LPR of the term, that is, not less than 4.85%, and the interest rate for the second mortgage loan shall be added 60 points on the basis of 4.85%, that is, not less than 5.45%.
Selection: After the execution of LPR, you can still choose the fixed interest rate or floating interest rate for personal housing loans. If
chooses a fixed interest rate, the loan interest rate is determined by the LPR plus point, and the interest rate remains unchanged during the loan term; if
chooses a floating interest rate, the loan interest rate is determined by the LPR plus point, and is adjusted according to the interest rate adjustment cycle agreed in the loan contract, and the interest rate floats with the reference LPR changes.
This new policy is only for commercial loans, and the provident fund personal housing loan interest rate policy will not be adjusted for the time being .
summary : The anchor replacement of mortgage interest rates is mainly aimed at home buyers. The cost of buying a second house in the future will inevitably increase, but whether it is the current LPR algorithm or the past, it will basically not affect the urgent needs.
Data source: "Hefu Research Institute (Zhuhai)"
