Ji'nan: commercial loans have discounted public loans but no provident fund loans to buy houses are discriminated against.
Ji'nan new housing cap can be used for the public loan. After this news release, the impact on the city property market geometry? 19, the reporter visited the survey found that, in order to return to the cage funds as soon as possible, part of the property in order to attract buyers of commercial loans, house prices have been treated differently, commercial loans have discounts, public loans are not. Some other projects clearly indicated that they did not want to wait until the ceiling was closed.
developers have discounted the price of commercial loans, and there are no new houses, such as no new houses, which can not be used for public loans.
18, the reporter came to a sales center of a high tech Zone. The project opened after the year. At present, it has already sealed the top. Although it can be used for public loans, the price of the developers to business loans and loans is not the same. Buyers can enjoy 2% off of the total housing price if they make loans. The consultant gave a reporter an account, the buyer paid 30% payments, 25 year loan, the business loan discount, the monthly payment of the public loan is only 105.84 yuan less than the commercial loan. "With a discount, the commercial loan and the public loan can not be much money, and the approval and lending time of the provident fund loan are slower than the commercial loan. No matter how the account is calculated, it will not be much better than the commercial loan." Another property located on Olympic Road West has the same problem. Property consultant said, in early April, there was a new housing launch. Because there was no cap, it was uncertain whether to wait until the ceiling was repaid. "The price of public loans should be higher than that of commercial loans, and the average price is about one to two points." Real estate consultant said that this calculation, the amount of commercial loan repayment is not much less than the provident fund, the impact on buyers is relatively small.
a number of buildings are not willing to wait until the top of the office and the distinction between the "public loan merchant loan" is different, the provincial capital is clearly expressed: do not want to wait until the top of the loan. Located in the ten road east of a garden, is expected to open in June this year, when the reporter is able to deal with the provident fund loan to buy a purchase, the front desk staff said that the public loan policy has been adjusted, it is still uncertain, everything should wait until the opening.
, then, the reporter opened the west station section of a sales office that has opened the sales office telephone, consulting whether the provident fund loan, the operator told reporters that now can not handle public loans, and not one of them can not do "the building here, many do not handle the loan." Staff said that after the introduction of the new policy, public loan approval and lending were tight, and the real estate needed to be capped to lend, so the public loans were temporarily stopped.
caps can only be processed, can not buyers wait until the roof of the building and then apply for loans? The front desk staff of a real estate center near the center told reporters that it usually takes two or three years from the purchase to the capping. "It's time for office loans, but no house." Buyers can not pay part of the housing price at the beginning of the opening, then the housing payment until the top of the cap? Staff response, developers for reasons such as withdrawal of funds and so on, it is impossible to wait until the capping to help deal with public loans.
regulatory department: the same housing discrimination public loan will be checked in the interview, many buyers question: for the same source, if the use of provident fund loans to buy expensive, this discrimination is not unreasonable? In this regard, the person in charge of the Ji'nan housing provident fund management center said that, according to the relevant regulations, in the local administrative region, the real estate development enterprises should provide convenience for the buyers who apply for housing provident fund loans when they are in advance or present sale, and shall not refuse or obstruct the use of provident fund loans. Taking advantage of commercial banks' personal housing loan prices and other means to improve the conditions of housing provident fund loans in disguise. Real estate development enterprises should cooperate with the relevant materials required to provide housing provident fund mortgage loans, and may not increase incidental conditions in any form.
"according to the relevant requirements, if buyers find this behavior when buying a house, they can call (0531) 81959351 phone to report." The person in charge said that the administrative department of urban and rural construction in Ji'nan and the central provident fund center will strengthen the investigation and punishment of the illegal behavior of the real estate development enterprises. The real estate administration department will order the time limit to be corrected by the administrative department of the real estate, which will be a bad credit. Records are recorded in the enterprise credit file.