Bank of Ji'nan has already stopped lending at 30%.
by the end of the year, the mortgage business was further tightened with the decrease of the credit balance of all the banks throughout the year. Online financial search platform "Rong 360" recently released report shows that Ji'nan has many banks stop lending, and mortgage interest rate discount is rare.
Zhongguancun Internet Financial Industry Association and the 360 Research Institute of Finance and Finance Survey of nearly 500 bank loans in 32 key cities throughout the country show that 17 cities, including Ji'nan, have suspended housing loans in 32 cities. In the survey, only 6.37% of the first set of banks can carry out 15% off interest rates, 16.04% banks carry out 10 percent off interest rates, 44.58% banks carry out benchmark interest rates, 16.27% banks carry out benchmark interest rates, and 16.75% of banks say they have stopped housing loans.
360 of the report made statistics on 20 banks in Ji'nan, including 6 banks in peace, people's livelihood, wide hair, HSBC, Standard Chartered and East Asia, which accounted for 30% of the total. Of the 14 banks that still handle the mortgage business, only 3 banks offer discount rates to the first suite, with a minimum discount of 10 percent off. The credit policy for the two suite is much more severe than that of the first suite. The down payment requirement is at least 6, and the loan interest rate will float 10%.
"don't say it's a discount rate. The mortgage that you apply for in October will be approved before the end of the year." The reporter learned from a bank in Ji'nan that the mortgage tightening phenomenon appeared in December, but this year the situation is ahead of schedule.
it is reported that the main reason for the bank to suspend or tighten personal housing loans is that the previous financial institutions have overdrawn the excessive amount of credit on the basis of the establishment of the total amount of the whole year. In the first half of this year, the medium and long term loans of households increased by 1 trillion and 230 billion yuan, and the monthly statistics were more than 200 billion yuan per month. In 2012, the median long-term loans increased by 1 trillion and 330 billion yuan, and the monthly increment was only over 100 billion yuan. This shows that the first half of this year, personal loans have been equivalent to last year's scale.
according to the introduction, by the end of the year, the influence of the credit line will be greater. In December, there will be a situation of "no loan can be released". Some banks, even if they do not expressly stop lending, will not grant loans or loans to applicants until at least early next year.