the recent spate of national policy
introduced two suites of not less than 50% down payment, interest rate 1.1 times the bank may refuse to lend to
YP
to purchase the third suite So far, it all points to spearhead the policy of bank credit, it is clear ** hope that by controlling bank lending to restrain the purpose of rapidly rising house prices continue to
but we take a look at whether this is really as ** The May, playing the snake hit seven inches?
you see the following data:
2010 first quarter, the Shanghai sets of a total of 15301 real estate transactions, closing an area of 1,794,193.08 square meters, average turnover of 20,095 yuan / square; that more than the total size of real estate sales 36000000000
2010 first quarter, the Shanghai sets of a total of 36,541 second-hand housing transactions, closing an area of 3,536,634.35 square meters, average turnover of 17,990 yuan / square; that the total size of second-hand housing sales over 63.6 billion
Shanghai in the first quarter of 2010 the city's individual housing loans increased by RMB 33.81 billion yuan, of which new housing and second-hand housing loans increased by 16.2 billion yuan and 17.61 billion yuan.
Well, very simple statistical analysis, the house bought a total of about 1,000 billion, of which more than 300 million of bank loans, and that the remaining 700 billion is what? ? ? Is to buy a house (or real estate speculators) in cash,
belstaff blouson!
If the market were the hands of real estate no money, then they should be at midnight to buy a house before the adjustment policies, down 30%, the rest bank loans, that it should be 300 100 000 000 000 in cash, 700 million loan
and now the reverse is true!
Let us assume that the purchase of 100 billion, 50% (ie 500 million) is a rigid demand, is the ordinary people to buy a house, we can think of, P the people are mostly poor,
belstaff jackets, they can not flush with Cash, only 30% down payment and the rest rely on bank loans, 50 billion to 15.0 billion in cash, 35 billion for the credit.
Well, we can clearly see, in the first quarter of Shanghai over 30 billion individual housing loans in fact are the people of the basic loan,
belstaff online, rather than those of the prime real estate that is to say
: 100 billion in real estate by the remaining 50 billion of funds, the number of bank credit is almost not taken! ,
belstaff leather! !
What conclusions can be drawn? That is no shortage of funds in the hands of real estate! Is true that after 2009 the frenzied speculation, real estate funds accumulated in the hands of far more than ** of the estimates, you are restricted to bank loans,
belstaff brad jacket, the impact on real estate speculators, in the short term, can not be reflected!
real estate are not short of money, no loans, no money problems strand breaks, and if you are a real estate person, you will cut prices of houses sold in the hands of it? !
can only be a short period of time affected the majority of people with rigid demand, further increasing the pressure on their purchase, the sad ah!
so my estimate is: short term, the Shanghai housing prices will continue to run high, if the real estate speculators who continue to have sufficient funds in the hands, then the prices will continue to rise, but the rate will not like Over the past few months, then the terrorist; will occur after the situation there is no market price, until the real estate speculators, whether from exhaustion, but in the international environment, the background of potential appreciation of RMB will continue to attract hot money and the influx of hot money,
belstaff leather jacket, and we a ** had the courage and strength to continue and turbulent speculators Game Well?
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