New disk buyers switch to the developer two press
The HKMA has also introduced counter-cyclical measures to tighten mortgages. Apart from investors and Mainland buyers, it is also intended to limit the purchasing power of family-funded applications. However, it was not blocked by the developers through their financial institutions to borrow money to buyers loopholes, tightening mortgage on the primary market impact is limited. And Tsuen Wan’s new sea of love in the mortgage under the new tactics, the first day of open demonstration units, still more than a thousand votes.
The government continued to add spicy, more than a property to be levied 15% heavy tax, but the property market is hot, many buyers mobilize the family to buy, the use of home buyers do not buy property tax. Recently, many new cases of parents to buy their children to buy a case, in addition to providing the first phase, but also as a guarantor to assist their children to create a mortgage. Such as Kai Tak 1, 2 at the beginning of the sale, the “rich father” to pay 500 million yuan to buy their children for the first time.
Sea of love the landlord did not diminish
Although the HKMA has tightened its mortgage again, it seems to have only hit the bank’s business, and the developers have already responded, so there is no impact on the new market. Cheung Kong (1113) Tsuen Wan Sea Love Last morning, the HKMA opened the first day before the opening of the demonstration units, the landlords and agents packed in Tsim Sha Tsui Hong Kong King Peak shopping malls underground; to announce the move, the reporter at night about 7:00 to observe the scene, the land dragon has not seen.
In recent years, developers to sell new disk, the majority of the high number of two to the buyers will be on the individual through its financial institutions by a press on the press, completely out of bank mortgage constraints. (5.25%) minus 1%; with the construction period can be more by 85% of the press, the first 3, the first three years of interest, The annual interest rate is P (5%) minus 2.25%, followed by P; two press up to up to three percent, but one can not exceed 80% of property prices.
Even if the developer provides a maximum of 25 to 28 years of retirement, it has been shorter than the bank’s maximum of 30 years. However, the pressure test is more lenient and the buyer is more likely to have a higher number of loans.
In addition to the developers to borrow money, the financial companies continue to ignore the high-risk environment, and even to the mainland background buyers “by convex” to buy luxury. For example, the most expensive houses in Hong Kong, which have traded at the peak of $ 1.08 billion, have sold $ 600 million to the finance company, exceeding the 50%