Mortgage war to non – residential property

the first quarter of this year’s property market to the good, but the residential due to the impact of hot strokes, trading volume is too small, but the number of shops and shops to maintain high prices. There will be two new mortgage schemes, and the owners can choose to press as low as H + 1.35%. “The new savings will be made by the owners.” Interest on commercial mortgage scheme “and” Super Shock Bacheng Mortgage Scheme “, which is almost identical to residential mortgage.

Trading on the double-digit

Meridian mortgage referral marketing director Liu Yuanyuan said that as of April this year, the number of registered industrial and commercial shops accounted for 10% of the overall property turnover, is following 2013, once again recorded double-digit market share. In April this year, the turnover of industrial and commercial shops increased by 50% on a monthly basis, a record high after November 2015, recorded 10.5 billion yuan, reflecting the increase in the purchasing power of industrial and commercial shops on the market.

Huang Hongcheng, chief executive officer of the United Food Store, said that the property and shop property market, due to the simple tax system, the more flexible transfer of transactions, coupled with the rising market demand, so in recent years, investors and users sought after, and the first four months of this year, The number of registered registrations has reached 2,741 cases, representing an increase of more than 1.3 times as compared with 1,173 cases in the same period last year. The registered value also increased to about 27.736 billion yuan, representing an increase of about 82% from about $ 15.246 billion in the same period last year. This shows that the market demand for industrial and commercial properties Is rising rapidly.

However, the HKMA has strictly stipulated that non-residential properties can only be made under the mortgage ratio of 40% and that of traditional banks. The valuation of industrial and commercial properties is also very conservative. As a result, the undervaluation is very common. At present, Can only be contracted about 30% of the mortgage, disguised so that investors rise to the threshold of the market, and the surge in demand for the actual situation divergence.

In addition, the Central Plains mortgage brokerage manager Wang Meifeng said yesterday that the Central Plains mortgage and the Central Plains (industrial and commercial) cooperation in the introduction of “commercial and commercial mortgage concessions”, the whole as low as H + 1.35%, and cash rebate, the amount of loans up to valuation 40 %, Repayment period of up to 25 years. In addition, 80% of the commercial and commercial high-yield mortgage schemes are available for a period of 25 years. The period is as low as