水果拉霸多人版

央行降购房贷款门槛 非限购城市首房首付最低百分之二十

作者:中国建筑新闻网 时间:2016-02-03


  ZUOTIAN,YANGXING、YINJIANHUILIANHEFABUXIAOXICHENG,ZAIBUSHISHIXIANGOUCUOSHIDECHENGSHI,JUMINJIATINGSHOUCIGOUMAIPUTONGZHUFANGDESHANGYEXINGGERENZHUFANGDAIKUAN,YUANZESHANGZUIDISHOUFUKUANBILIWEI25%,GEDIKEXIANGXIAFUDONG5GEBAIFENDIAN,GOUMAIERTAOFANGQIEDAIKUANWEIJIEQINGDEJIATING,ZUIDISHOUFUBILIBUDIYU30%。FENXIRENSHIZHICHU,ZAIJINGJIXIAXING、FANGDICHANKUCUNGAOQIDEBEIJINGXIA,XINZHENGYIZAICIJIFEIXIANGOUCHENGSHIGOUFANGXUQIU、CUJINZHONGGUOJINGJIPINGWENYUNXING。


  发布

  非限购城市房贷再松绑


  YANGXING、YINJIANHUIZUOTIANFABUFANGDAIXINZHENG,ZAIBUSHISHIXIANGOUCUOSHIDECHENGSHI,JUMINJIATINGSHOUCIGOUMAIPUTONGZHUFANGDESHANGYEXINGGERENZHUFANGDAIKUAN,YUANZESHANGZUIDISHOUFUKUANBILIWEI25%,GEDIKEXIANGXIAFUDONG5GEBAIFENDIAN;DUIYONGYOUYITAOZHUFANGQIEXIANGYINGGOUFANGDAIKUANWEIJIEQINGDEJUMINJIATING,WEIGAISHANJUZHUTIAOJIANZAICISHENQINGSHANGYEXINGGERENZHUFANGDAIKUANGOUMAIPUTONGZHUFANG,ZUIDISHOUFUKUANBILIDIAOZHENGWEIBUDIYU30%。BEIJING、SHANGHAI、GUANGZHOU、SHENZHEN、SANYAWUGESHISHIXIANGOUCUOSHIDECHENGSHIBUZAICIZHENGCEFANWEINEI。


  QUNIAN12YUEZHAOKAIDEZHONGYANGJINGJIGONGZUOHUIYITICHU,YAO“HUAJIEFANGDICHANKUCUN”,BING“QUXIAOGUOSHIDEXIANZHIXINGCUOSHI”。YENEIRENSHIRENWEI,CICIFANGDAIZHENGCEZAISONGBANG,ZHUYAOYESHIWEILE“QUKUCUN”ZHEIGEMUBIAO。


  ZHONGGUOSHEKEYUANSHUJUXIANSHI,2015NIANSHANGPINZHUFANGZONGKUCUNYUJIDA39.96YIPINGFANGMI,XIANFANGDAISHOUMIANJI4.26YIPINGFANGMI,RUGUOXIANGWANQUANXIAOHUA,XUYAO23GEYUE。MINSHENGZHENGQUANYANJIUYUANDEYANJIUBIAOMING,CONGJIEGOUSHANGKAN,2015NIANNIANDIYI、ER、SANXIANCHENGSHIKUXIAOBIFENBIEWEI8.15、10.23HE25.58,SANXIANCHENGSHIFANGDICHANKUCUNGUOSHENGWENTIZUIWEIYANZHONG。


  ZHONGGUOMINSHENGYINXINGSHOUXIYANJIUYUANWENBINBIAOSHI,ZIQUNIANYILAI,ZHENGFUXIANHOUCHUTAILEYIXILIEWENDINGFANGDICHANSHICHANGDEZHENGCECUOSHI,FANGDICHANJIAOYIQUYUHUOYUE,DANRENGCUNZAIQUYUCHAYI,SAN、SIXIANCHENGSHIDEFANGJIARENGRANDIMI,QUKUCUNYALIYIRANJIAODA。


  反应

  开发商:

  新政效果要看落地情况


  YAHAOJIGOUSHICHANGZONGJIANGUOYIRENWEI,YANGXINGHEYINJIANJUZAICHUNJIEQIANBANBUXINZHENGYIWEISHENYUAN,ZHONGSUOZHOUZHI,CHUNJIESHIFANXIANGGAOFENG,TONGSHINIANMOQIYETONGCHANGHUIJIYUYUANGONGYIDINGDENIANZHONGJIANGLI,CISHIFABUJIANGDISHOUFUDEXINZHENG,JIANGYOULIYUCUJINSHOUWOZIJINDEBAILINGMENHUIXIANGZHIYE,YUJIXINZHENGJIANGHUILINGYUANBENSHILOUSHICHENGJIAODANJIDECHUNJIEYUE,YINGLAIYILUNJIAOYILIANGDEXIAOGAOFENG。


  SHISHISHANG,ZAIZHENGCECHUTAIQIAN,YIJINGYOUER、SANXIANCHENGSHI,SHENZHISIXIANCHENGSHIDEFANGQILOUPANJIARU“HESUIFANXIANGZHIYE”CUXIAODAJUN。


  “JINQILAIKANFANGDEYOUBUSHAOFANXIANGKE,WOMENCHUNJIEQIJIANMEITIANDOUYOURENZAISHOULOUCHUZHIBAN,MANZUGUANGDAGOUFANGZHETEBIESHIFANXIANGKEDEZHIYEXUQIU。”ZHONGBUMOUCHENGSHIXIANGMUFUZERENBIAOSHI,CICIFANGDAIXINZHENGCHUTAI,WEIBUXIANGOUDECHENGSHILOUSHIZAITIANZHENGCECHUNFENG。BUGUO,ZHEIWEIFUZERENTONGSHICHENGREN,YUBEIJING、SHANGHAIYIXIANCHENGSHIXIANGBI,MUQIANER、SANXIANCHENGSHILOUSHIKUCUNRENGRANJIAODA,“ZHENGCEDUILOUSHIJUTIYOUDUODALIHAO,HAIYAOKANJUTILUODIQINGKUANG。”


  购房者:

  降低门槛但购房成本未降


  FANGDAIXINZHENGZUOTIANXIAWUYIJINGGONGBU,XUNSUZAIGOUFANGZHEZHONGYINFAREYI,BUSHAOGOUFANGZHEDUIFANGDAIXINZHENGCHILEGUANTAIDU,YIWEIDASUANZAICHUNJIEQIANHOUZHIYEDEGOUFANGZHEBIAOSHI,ZIJISHUYUGAISHANXINGGOUFANG,CICIZHENGCEJINYIBUXIAJIANGSHOUFUBILI,KEYIJIANGDIZIJIDEGOUFANGMENJIAN。BUGUO,YIXIEGOUFANGZHEDUIZHENGCECHIJINSHENTAIDU,YOURENJIURENWEI,JINGUANSHOUFUBILIXIAJIANG,DANSHIFANGZIJIAGEMEIYOUXIAJIANG,YINCI,DUIYUGOUFANGZHEERYAN,ZONGDEGOUFANGCHENGBENBINGMEIYOUXIAJIANG。


  ZHONGYUANDICHANSHOUXIFENXISHIZHANGDAWEIFENXIRENWEI,FANGDICHANZHENGCEZAISONGBANGYOULIYUCIJIFANGDICHANSHICHANGZAI2016NIANSHANGBANNIANJIXUFUSU。BUGUOCONGGENBENSHANGKAN,ZHEIYIZHENGCEBINGWEIJIEJUEFANGDICHANXUQIUDEGENBENWENTI,DUIYUGOUFANGZHELAISHUO,DAIKUANDELILVBINGWEIJIANGDI。


  影响

  将拉升一线城市楼市信心


  GUOYIBIAOSHI,“BEISHANGGUANGSHEN+HAINAN”DEFANGDICHANSHICHANGZAI2016NIANYIJINGYINGLAI“XIAOYANGCHUN”,CHENGJIAOLIANG、JIAWENBUSHENGWEN。JINGUANXINZHENGBINGWEIDUIZHEIXIECHENGSHIDEFANGDICHANSHICHANGXINGCHENGXINDELIHAOCIJI,DANZHENGTIKUANSONGDEZHENGCEQUSHI,JIANGHUILASHENGGOUFANGZHEDUILOUSHIDEXINXIN,TONGSHIHAIJIANGZHULIZHEIXIECHENGSHIDEFANGDICHANSHICHANGZAI2016NIANBAOCHIPINGWENSHANGSHENG。


  “SUIRANYIXIANCHENGSHIXIANGOU,BUZHIXINGXINSHOUFUZHENGCE,DANXINLIYINGXIANGDA。”ZHONGYUANDICHANSHOUXIFENXISHIZHANGDAWEIBIAOSHI,ZHONGYUANJIANCEDE21GECHENGSHISHUJUXIANSHI,1YUEERSHOUZHUZHAICHENGJIAOMIANJIJIAOQUNIAN12YUETONGQISHANGSHENG2%,QIZHONGYIXIANCHENGSHISHANGSHENG4%。KEYIKANCHU,GOUFANGZHERUSHIYIYUANRENGJIAOQIANGLIE。YUJI2016NIANLOUSHIYIRANJIANGYANXUKAIMENHONGQUSHI,

  

  2016NIANSHANGBANNIANSHICHANGYIRANJIANGYANXUSHANGXINGQUSHI。


  分析

  有利于刚需和“首改”需求入市


  RONG360FANGDAIFENXISHIHAOJUNCHENGBIAOSHI,ZAIDANGQIANGAOKUCUNYALIZHIXIA,FANGDICHANSHICHANGJITOUZIKAIFAZENGSUYIWEIJIJINGJIZENGZHANG,YOUQISHIFANGZIYANZHONGGUOSHENGDESAN、SIXIANCHENGSHIJISHAOBUFENERXIANCHENGSHI,KUCUNYALIHENDA。FANGDAIXINZHENGYIDANQUANMIANSHISHI,ZHEIXIECHENGSHIJIANGZHIJIESHOUHUI。ERSHICHANGYUANBENJIUHUOBAODEYIXIANCHENGSHI,JISHIBUZAICICIZHENGCEFANWEINEI,LOUSHICHENGJIAOLIANGXIANGBIYEJIANGYINGLAIXINYILUNDEBAOFAQI。

 

  WENBINBIAOSHI,SUIZHECHENGXIANGJUMINSHOURUSHUIPINGDETIGAOHECHENGSHIHUAJINCHENGJIAKUAI,JUMINZHUFANGGANGXINGXUQIUHEGAISHANXINGXUQIUWANGSHENG,YANGXINGANZHAO“FENLEIZHIDAO,YINDISHICE”DEYUANZE,ZHENDUIFEI“XIANGOU”CHENGSHIJIANGDIZHUFANGDAIKUANSHOUFUBILI,YOUZHUYUTIGAOJUMINGOUFANGNENGLI,CUJINFANGDICHANSHICHANGPINGWENJIANKANGFAZHAN。


  SHANGHAIYIJUFANGDICHANYANJIUYUANFUYUANZHANGYANGHONGXUBIAOSHI,FANGDAIZHENGCESHIYINGXIANGLOUSHIDEDIYIZHONGYAOZHENGCE,SHOUFUMENJIANJIANGDI,YOULIYUGANGXUHESHOUGAIXUQIURUSHI,YOUQISHIDUIYUNEIXIESHOURUBUDIDANJIXUBUDUODENIANQINGREN、NIANQINGJIATING,KEWEISHI“JISHIYU”。YINCI,ZHEIYIZHENGCECIJIPUTONGZHUZHAIXUQIU,YOUZHUYUGANGXUHESHOUCIGAISHANXUQIUDESHIFANG,WEILAIHAIHUIYOUQITAKUANSONGZHENGCECHUTAI,JINYIBUCUJINLOUSHIFUSU。2016NIAN,QUANGUOLOUSHIJIANGJIXUHUINUAN。


  对三四线城市去库存作用不大


  “SHOUCIGOUFANGJIATINGZUIDI20%DESHOUFUBILI,YIYU2008NIANJIUSHIZHENGCEDELIDUQIPING,1.5XIANCHENGSHI(JINGJIFAZHANJIAOHAODEERXIANCHENGSHI)HEERXIANCHENGSHIJIANGYINGLAIZHONGDALIHAO。”GUOYIFENXIRENWEI,ZAIJINJINIANYIXIANCHENGSHIFANGJIAGAOQI、SHENGHUOCHENGBENJUGAOBUXIADEBEIJINGXIA,BUFENBAILINGXUANZEJINGJIFADA、RENCAIQUEKOUDA、XINCHOUSHUIPINGJIAOGAODE1.5XIANJIERXIANCHENGSHIJIUYEJIJUZHU,XINZHENGWUYIWEIZHEIBUFENRENQUNDAILAILEANJUJIHUI,JIANGCUJINZHEIXIECHENGSHIZHUZHAISHICHANGCHENGJIAOLIANGDETISHENG,SUIZHEJIAOYILIANGDEHUINUAN,FANGJIAYEYOUWANGWENBUSHANGZHANG。


  BUGUO,GUOYITONGSHIBIAOSHI,XINZHENGDUIYUBUFENJINGJIQIANFADADESAN、SIXIANCHENGSHIZUOYONGBUDA,ZHEIXIECHENGSHIZAIYOUYEWUCHANDEXIANZHUANGXIA,RENKOUJINGLIUCHUDEQINGKUANGNANYIDEDAOGAISHAN,QUYUFANGDICHANSHICHANGQUESHAOZENGLIANGXUQIU,JINPINGXIAOFUJIANGDISHOUFURENGRANNANYITIZHENCHENGJIAOLIANGDESHANGSHENG,QUKUCUNXINGSHIYIRANYANJUN。


  FANGDAISHOUFUBICHUANGQINIANLAIZUIDI


  2010NIAN4YUE30RI

  BEICHENGWEISHISHANGZUIYANLIDEXIN“GUOSHITIAO”FABU:SHOUTAOZIZHUFANGQIETAOXINGJIANZHUMIANJIZAI90PINGFANGMIYISHANG,SHOUFUBILIBUDEDIYU30%,ERTAOBUDEDIYU50%。


  2010年9月29日

  “929XINZHENG”FABU:SUOYOUFANGDAISHOUFUBILI(BAOKUOSHOUTAO)DOUDIAOZHENGZHI30%JIYISHANG。


  2011年1月26日

  “XINGUOBATIAO”FABU:ERTAOFANGDAISHOUFUBUDIYU60%。


  2013年2月20日

  “GUOWUTIAOXIZE”GUIDING:DUIFANGJIASHANGZHANGGUOKUAIDECHENGSHI,JINYIBUTIGAOERTAOFANGSHOUFUKUANBILI,DUIFANGJIASHANGZHANGGUOKUAIDECHENGSHI,KEJINYIBUTIGAODIERTAOZHUFANGDAIKUANDESHOUFUKUANBILIHEDAIKUANLILV。QIHOU,YIXIANCHENGSHIERTAOFANGDAILILVXIAXIANSHANGFUZHI1.2BEI,GEBIECHENGSHIJIANGSHOUFUTIGAOZHIQICHENG。


  2014年9月30日

  “930XINZHENG”FABU:DUIYONGYOUYITAOZHUFANGBINGYIJIEQINGXIANGYINGGOUFANGDAIKUANDEJIATING,WEIGAISHANJUZHUTIAOJIANZAICISHENQINGDAIKUANGOUMAIPUTONGSHANGPINZHUFANG,ZHIXINGSHOUTAOFANGDAIKUANZHENGCE。TONGSHI,CHULEBEISHANGGUANGSHENHESANYADENGWUGERENGZAISHISHIXIANGOUDECHENGSHI,QUXIAOSANTAOJIYISHANGDE“XIANDAILING”。


  2015年3月30日

  “330XINZHENG”GUIDING:DUIYONGYOUYITAOZHUFANGQIEXIANGYINGGOUFANGDAIKUANWEIJIEQINGDEJIATING,WEIGAISHANJUZHUTIAOJIANZAICISHENQINGSHANGYEXINGGERENZHUFANGDAIKUANGOUMAIPUTONGZIZHUFANG,ZUIDISHOUFUBILIDIAOZHENGWEIBUDIYU40%;DUIYONGYOUYITAOZHUFANGBINGYIJIEQINGDAIKUANDEJIATING,WEIGAISHANJUZHUTIAOJIANZAICISHENQINGGONGJIJINDAIKUANGOUMAIPUTONGZIZHUFANG,ZUIDISHOUFUBILIWEI30%。


  2015年9月30日

  “930XINZHENG”GUIDING:BUSHISHI“XIANGOU”CUOSHIDECHENGSHI,DUIJUMINJIATINGSHOUCIGOUMAIPUTONGZHUFANGDESHANGYEXINGGERENZHUFANGDAIKUAN,ZUIDISHOUFUKUANBILIDIAOZHENGWEIBUDIYU25%。


  追问

  

  1.首付比例还有下调空间吗?


  ZHONGGUOYINXINGGUOJIJINRONGYANJIUSUOGAOJIYANJIUYUANLIPEIJIABIAOSHI,“SHOUFUBI”WULUNHENGXIANGHAISHIZONGXIANG,DOUHAICHUYUPIANGAOSHUIPING,YOUJINYIBUXIADIAOKONGJIAN。GENJUIMFDIAOCHASHUJU,GUOJISHANGDADUOSHUGUOJIACAIYONG20%DESHOUFUBILI。CONGLISHIKAN,2010NIANZHIQIAN,WOGUOZHUFANGDIYADAIKUANDESHOUFUBILIYIZHIWEI20%。


  2.新政能否提振春节楼市?


  RONG360FANGDAIFENXISHIHAOJUNCHENGBIAOSHI,MUQIANZHENGZHIWOGUONONGLIXINNIANQIANXI,GEDAYINXINGDEFANGDAIZHENGZHUJIANQUJIN,GEDALOUPANYEJIJIANGFENGPAN,CISHITUICHUGAIXIANGLIHAOZHENGCENENGFOUQIDAOLIGANJIANYINGDEZUOYONGHAIBUHAOSHUO,DUIYULOUSHINENGGOUQIDAODUODADETIZHENZUOYONG,YEHAIYOUDAIHOUXUDEJINYIBUGUANCHA。WOMENYUJI,JINGGUOCHUNJIEDEZHENGCEFAJIAO,CHUNJIEHOUJIANGYINGLAI2016NIANLOUSHIDEDIYIGUNUANLIU。


  3.房价接下来会因此飙升吗?


  LIPEIJIABIAOSHI,KAOLVDAODANGQIANFANGDICHANSHICHANGGONGQIUGEJUWEIFASHENGGENBENGAIBIAN,JUMINZHUFANGXIAOFEIGENGQULIXING,YOUQISHISHOUCIGOUFANGZHEDEXUQIUSHULIANGYOUSUOJIANSHAO,FANGDICHANXINZHENGBUHUIDAILAIFANGDICHANJIAGEDEGUOKUAISHANGZHANG。


  4.新政的去库存效果会如何?


  WEIYEWOAIWOJIAJITUANFUZONGCAIHUJINGHUIBIAOSHI,ZAI2016NIANQUKUCUNDEDABEIJINGXIA,FANGDAIXINZHENGJISHICHANGCHUANDILEJIJIZHENGXIANGDEXINHAO,DANSHIDUIQUKUCUNDESHIJIXIAOGUOKONGPABUDA。SHOUFUJIANGDI,YIWEIZHEJIANSHAODESHOUFUBUFENZHUANYIZHIWEILAIDEYUEGONG,WEILAIDEHAIKUANCHENGBENJIUHUITIGAO,HAIKUANYALIJIUHUIJIADA,JISHISHOUFUBILIXIAJIANG,GOUFANGJIATINGYEWEIBIGANXIANGYINXINGDAIKUAN。SUOYI,FEIXIANGOUCHENGSHIQUKUCUNYAOKAOCHANYEBUJUHEGONGGONGZIYUANFENPEIDEDIAOZHENG,YAOKAOJIANGFANGJIA、JIANSHUIFEIDENGJIANSHAOGOUFANGRENFUDANDEYOUXIAOJUCUO。


  5.未来还会以什么措施去库存?


  FANGDICHANZHUANJIA、QUANGUOFANGDICHANSHANGHUILIANMENGZHIXINGZHUXIGUYUNCHANGBIAOSHI,MUQIANZHENGFUZAIQUANFANGWEIJIAREFANGDICHAN,CHULEJINYIBUJIANGDISHOUFUBI,HAIKEYICHANGSHIJIANGDIJIAOYIHUANJIESHUIFEI,RANGYOUFANGDERENJINRUSHICHANG,PANHUOSHICHANG。


  TAHAIBIAOSHI,ZAIERTAOFANGFANGMIAN,GUOJIAZHENGCEBUQIANGSHI,YIBUYIBULAI,ZAICIJISAN、SICHENGSHIGOUMAILIFANGMIANHUIQIDAOYIDINGZUOYONG。JINCHENGNONGMINGONGCHENGWEICHENGSHIMAIFANGDEZHUYAOTUPOKOU,TAMENGOUMAILIBUQIANG,RUGUOCAIQUGENGDUOCUOSHIJIFANONGMINGOUMAILI,CHANGSHIJIANGZHAIJIDIBIANXIAN,JIANGDUIQUKUCUNYOUJIAODABANGZHU。BUGUOZHEISHEJITUDIZHIGAIGEWENTI,GUJIZHAIJIDIBIANXIANHENNANCHUTAI,JIANYIJIAKUAISHIDIAN。