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正确有东莞:公积金利好助力刚需客买房

作者:www.ykf999.com 时间:2018-5-4 19:04:56 字号: [

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原标题:公积金利好助力刚需客买房“五一”前,东莞住房公积金管理中心放出大招:5月1日起使用东莞住房公积金贷款买房,首套房最高贷款额度可达到120万元!这让许多刚需或首次改善型买家欢呼雀跃!目前,东莞的商业贷款利率普遍上浮20%,实际利率已经达到%,利率仅为%的公积金实在有点“白菜价”的意思。

南城的林先生告诉笔者,按照目前的公积金政策,他将自己早前购买的一套小公寓出售后,可以置换一套三房户型作为婚房,月供仅需要六千多元,比申请商业贷款月供少了两三千元,这样月供不会过多降低生活品质,他可以放心地换房了!据东莞住房公积金管理中心统计,去年东莞市发放的组合贷款达到120万元的贷款约占总量为10%,发放的贷款中94%为首套住房,33%为90平方米以下、60%为90~144平方米的住房,当前市场供应144平方米以下的普通住房占比达到70%,因此贷款额度为120万元,基本可以满足首套刚性购房需求。

从之前的限购、限外、限贷、限售、限价严格的楼市调控政策,到今年的“买房下定两日可反悔”、公积金贷款额度提高至120万元等等利好,都是为了“满足首套刚需、支持改善需求、遏制投机炒房”,保证房价平稳,维持房地产市场稳定,让自住刚需购房者能够买得起房,对于自住购房者来说显然是一个好消息。(蒋幸端)(责编:伍振国、孙红丽)。

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