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"money shortage" allowed banks to slow down the rate of approval for personal housing mortgage loans. (data sheet) "the volume of housing turnover in July this year has dropped a lot, which is quite related to bad housing loans." Reporters learned that the major banks have tightened their personal housing loan business, and the life of the provincial real estate agency is not easy. Under the dual role of tight bank credit lines and high cost of obtaining capital, small and micro enterprises' loans "grab" a lot of personal loans.
this reporter Zhang
"the owner of the house has been urging me several times, but this mortgage is not to come down, if it is dragged down, the house will be free." Ji'nan citizen Chen Qingsong in May this year saw a set of second-hand housing, before the payment of a deposit, he also specially consulted the intermediary on mortgage loans, when the intermediary vowed to say, as long as the complete formalities, after the application of material more than a month can run a house loan. But now he has been reporting materials for three months, and the loan of the state-owned bank is not yet in place.
"second-hand housing mortgage loans in the past can certainly be faster than the intermediary itself, but now it's hard to say." Real estate intermediary Mr. Ju told reporters that when issuing loans, banks will give priority to cooperative development. Real estate developers will sign cooperative banks when they sell new houses.
Mr. Ju said that through intermediaries for second-hand housing loans, as long as the procedures are complete, there has been little delay in the past. "In recent months, all banks have slowed down the pace of approval for personal housing mortgage loans, and they are not waiting for loans. They need to wait in line." Mr. Ju reluctantly said that the mortgage can not be done, in addition to the urgency of the buyers and sellers, the real estate intermediary business volume has also been greatly affected.
because of the relative simplification of the examination and approval procedure, the rate of the loan of the joint-stock commercial banks is generally faster than that of the state-owned banks, and it will be enough for half a month in the normal case. But at present, individual banks have already tightened their control over the amount of personal housing loans that they used to be "fragrant pastry".
reporters learned from a city commercial bank that although their performance is not outstanding in the banking sector, they are reluctant to accept the mortgage business. "Can not be said to be closed, but enthusiasm is not very high."
reporter learned from a number of joint-stock banks that a large number of mortgage services are flowing from "big banks" to "small banks", which have also been confirmed by some buyers.
small and micro enterprise loan interest rates have risen to 30%
in a joint-stock bank credit department, Ms. Yang said that the structure of bank credit is being inclined to the credit of small and medium-sized enterprises which are encouraged by the country and have higher income. The current personal housing loans are basically the benchmark interest rate, cooperative property or the first suite will be slightly discounted. If the same fund is granted to small and micro enterprises, the loan interest rate can float up to 30% on the basis of the benchmark interest rate. "Although the risk of corporate loans is higher, its higher short-term yield will take away a lot of loan quotas."
the tightening of individual mortgage business, as can be seen in last year's bank statements, the annual report of CITIC Bank in 2012 showed that the growth rate of housing mortgage loans was 8.79%, lower than the average growth of 15.96% of the bank's loan, far less than the 25.98% of small and micro enterprises. Comparing Minsheng Bank's annual report in recent three years, we can find that the balance of personal housing loans is decreasing year after year.