{"id":1963,"date":"2024-09-29T22:20:55","date_gmt":"2024-09-29T14:20:55","guid":{"rendered":"https:\/\/www.kafeizha.com\/?p=1963"},"modified":"2024-09-29T22:20:55","modified_gmt":"2024-09-29T14:20:55","slug":"%e4%b8%ad%e5%9b%bd%e6%8e%a8%e5%87%ba%e6%88%bf%e5%9c%b0%e4%ba%a7%e5%88%ba%e6%bf%80%e6%94%bf%e7%ad%96%ef%bc%9a%e6%88%bf%e8%b4%b7%e5%88%a9%e7%8e%87%e4%b8%8b%e8%b0%83%e4%b8%8e%e4%ba%8c%e5%a5%97%e6%88%bf","status":"publish","type":"post","link":"https:\/\/news.tomjun.com\/?p=1963","title":{"rendered":"\u4e2d\u56fd\u63a8\u51fa\u623f\u5730\u4ea7\u523a\u6fc0\u653f\u7b56\uff1a\u623f\u8d37\u5229\u7387\u4e0b\u8c03\u4e0e\u4e8c\u5957\u623f\u89c4\u5219\u8c03\u6574"},"content":{"rendered":"

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\u65b0\u95fb\u6765\u6e90\uff1a<\/b>www.bloomberg.com
\u539f\u6587\u5730\u5740\uff1a<\/b>China Property Stimulus Includes Mortgage Rate Cut, Change to Second Home Rules<\/a>
\u65b0\u95fb\u65e5\u671f\uff1a<\/b>2024-09-24
\u539f\u6587\u6458\u8981\uff1a<\/b><\/font><\/p>\n

China unveiled its biggest package yet to shore up its beleaguered property market, lowering borrowing costs on as much as $5.3 trillion in mortgages and easing down-payment requirements for second home purchases to a historical low. The  will cut outstanding mortgage rates for individual borrowers by an average of 0.5 percentage point, Governor  said at a press conference on Tuesday. The minimum down-payment ratio on second home purchases will be lowered to 15% from 25%. The plan, confirming  by Bloomberg News, underscores Beijing\u2019s urgency to stem a housing-led slowdown in Asia\u2019s largest economy as it faces the prospect of increasing protectionism and a shaky global outlook. The moves comes as economists at banks including ,  and Bank of America Corp. predicted that China will of delivering on its growth target this year. Subscribe to the Bloomberg Daybreak podcast on , or you listen.\u200b\u200b\u200b\u200b\u200b\u200bThe PBOC didn\u2019t specify whether the mortgage refinancing plan this year will apply to first-home purchasers only, which would be the same as its first reduction , or expand to also include second-home buyers. Mortgage rates for purchasing second homes are much higher than for first homes. Homeowners will be able to renegotiate terms with their current lenders first, Governor Pan said. Regulators will then consider whether to allow borrowers to refinance with a different bank, he added. Mortgage refinancing between banks, if later approved, would be the first time since the global financial crisis and would likely ramp up competition among lenders.Separately, the PBOC will ramp up its re-lending program for state-owned firms to acquire unsold property inventories. It will now provide 100% of the principal of bank loans for such purchases, up from  announced in May, Pan said. A Bloomberg Intelligence  of Chinese property developer shares rose 4.6% on Tuesday, though it\u2019s still down 31% from this year\u2019s high in mid-May. Dollar bonds issued by developers were little changed Tuesday morning, according to data compiled by Bloomberg.\u201cThis package is China\u2019s biggest and widest supporting measures on home loans yet, as it covers both new home-buying and outstanding purchases,\u201d said Yan Yuejin, vice president of Shanghai E-house\u2019s research arm.Policymakers have taken forceful steps to lower financing costs this year including  a central government-guided mortgage rate floor for first home purchases. But such moves have mostly benefited new property buyers, exacerbating the disparity with existing homeowners that has driven a wave of early mortgage repayments and  lenders in recent years.Currently, existing mortgages carry an average interest rate of about 4%, compared with 3.2% on newly issued loans for a first home and 3.5% for a second home, according to data compiled by China Real Estate Information Corp. in late August.  The move will ease mortgage burdens for an estimated 150 million people, cutting their annual interest expenses by about 150 billion yuan ($21 billion), Pan said. While China has pushed average mortgage costs to a record low this year, most households haven\u2019t benefited because banks won\u2019t reprice existing loans until next year.Still, it will likely add pressure on the nation\u2019s biggest banks, which have been struggling with record low margins, sinking profits and rising bad loans. Pan said the new round of interest-rate adjustments will have a neutral impact on bank profits and margins, given that more funding is freed up and deposit rates will follow suit. Officials also announced on Tuesday they would  to the largest lenders for the first time in more than a decade, to help them battle with eroding profits and capital shortfalls. Banks have resorted to multiple deposit rate cuts to mitigate the impact of lower loan rates. Combined profits at China\u2019s commercial lenders rose 0.4% in the first half, the slowest pace since 2020, according to official data. The sector\u2019s net interest margins have continued to decline, hitting a record low of 1.54% at the end of June, well below the 1.8% threshold regarded as necessary to maintain reasonable profitability.The reduction to the minimum down-payment ratio for second-home buyers follows a sizable  in May. Top regulators have said China will support homebuyers seeking to upgrade to bigger homes. Market watchers warned that the basket of policies is far from enough to revive the real estate sector and economy. \u201cThe package a step in the right direction, compared with the previous drip-feeding support,\u201d said , head of China economics at Capital Economics. \u201cBut it will probably be insufficient to drive a turnaround in growth unless followed up with greater fiscal support.\u201dGiven downbeat sentiment, households are unlikely to be swayed to take on a larger mortgage to acquire a second property when price momentum is still trending downward, said , chief economist for Greater China at ING Bank NV. The higher portion of PBOC financing for the property destocking initiative also won\u2019t be enough to significantly improve its takeup until more fiscal subsidies are provided, Evans-Pritchard cautioned. China\u2019s  is now into its fourth year with no signs of letting up. The slump in home sales  in August as the impact of policy loosening measures waned and buyers were deterred by expectations for  to keep falling.\u201cFor a recovery of the property market, two things need to happen: First, we need to see prices stabilize, if not recover. Second, we need to see excess housing inventories come down toward historical norms,\u201d ING\u2019s Song said. \u201cUntil then, the drag on growth will continue.\u201dRead this next: <\/pre>\n
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