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Just now, in order to better meet the residents' diversified needs for improved housing, Chengdu City has optimized and adjusted the standards for recognizing the number of housing units in personal housing loans, which will be officially implemented on August 13, 2024.

Compared with the previous adjustment, there are four major changes:

1. From “city-wide inspection” to “only inspecting districts (cities) and counties where new houses are purchased”.

According to the previous policy, for resident families with an outstanding loan, the second home loan policy will be implemented when they purchase a home in the main urban area of ​​Chengdu.There will no longer be city-wide house inspections. As long as there is no housing in the district (city) or county where the house is purchased, the first home loan policy will be implemented.

Example: Ms. Wang and her family have purchased a house in Jinjiang District and have not yet paid off the loan, but want to replace it with a house in Hi-Tech South District. Her subsequent purchase can be identified as her first house.

2. From “must sell” to “just need to list”.

In the past, if an existing house with an outstanding loan was listed and had not yet been sold or transferred, the purchase of another house would be considered a second home.As long as the property is listed after obtaining the property verification code, that house will be deducted when the number of houses is checked.

For example: Mr. Li's family has a total of 1 house.If he puts the house on the market, he can apply the first home loan policy for any new home purchase;Mr. Zeng's family currently owns two houses, and the loans for both have not been paid off. After he lists these two houses at one time, they can also be recognized as the first house.

How to understand the adjustments and optimizations made by Chengdu to the first home recognition system?

Industry insiders said that after the high-level meeting on April 30 this year proposed "coordinated research on policy measures to digest existing real estate and optimize incremental housing",Supporting measures to "stabilize the market" began to be accelerated.

Among them, on May 17, the regulatory authorities launched a number of measures to adjust loan interest rates and down payment ratios. After the adjustment, the down payment ratio for the first home was lowered to no less than 15%, and the down payment ratio for the second home was no less than 25%.

"In fact, banks have gradually begun to implement the policy of 'recognizing housing but not loans'. When a resident family (including the borrower's spouse and minor children) applies for a loan to purchase commercial housing, if the family members do not own a complete house in the local area, regardless of whether they have used the loan to purchase a house, banking financial institutions will implement the housing credit policy according to the first house." The person said.The implementation of today's policies will allow the housing and construction departments and banks to completely connect the chain of "recognizing housing but not loans" to better meet the demand for improved housing.

therefore,In the industry’s view, the optimization of the first home recognition standards will further stimulate the “old for new” strategy, and replacement and improvement will enter a window period.An insider also revealed that "With the recent announcements from Shenzhen and Shanghai, the housing 'old for new' policy has been expanded to more first-tier cities and key second-tier cities. Once Chengdu follows suit and multiple measures are implemented together, the transaction volume in the new and second-hand housing markets is expected to increase further, effectively stabilizing market expectations."