Most banks in Ji'nan have a 5% rise in mortgage interest rates.
source: Ji'nan times Author: Tian He
since the 2013 bank "money shortage", housing loans have tightened. Recently, I visited the Ji'nan market and learned that the interest rates of all banks in the city were generally rising, and joint-stock banks had stopped lending business. Only a few banks such as postal savings bank can still execute the benchmark interest rate, and can complete all the formalities within two weeks.
market survey most banks first set of mortgage interest rates floating 5%
23 day - 24 days - 24, the author visited the Ji'nan banks found that the mortgage continues to tighten, the first suite of state-owned banks, industrial, agricultural, construction and other state-owned banks have risen 5%, the two suites, the vast majority of bank lending rates are floating 10%.
at the same time, many joint-stock banks simply stop the mortgage business. Mr. Zhang, who had just bought a house and prepared for 300 thousand of the loan, was "shut out" by a bank. "The bank told me that there are too many people in the loan now, and the loan will be slow, let me go to other banks to see it."
some banks have even raised the requirement for the standard of the loan house. A bank credit department staff member near seven roads said that the application for personal housing loans of the bank must be built after 1994. Another bank said that the loan period of second-hand housing loans lenders less than 70 years old, the house must be within 15 years of the house.
mortgage policy is getting tighter every day, and banks can still execute the benchmark interest rate. 23, the postal savings bank related people revealed: "at present in our bank for the first suite of loan business, for high quality customers can still carry out the benchmark interest rate, not floating." The source said that at least until the end of March this year, the postal savings bank of high quality customers can still handle the first suite loan according to the benchmark interest rate. In six months, the loan interest rate is 5.6%, the rate of six months to one year is 6%, the one to three years 6.15%, three to five years 6.4%, and the loan interest rate of five years is 6.55%.
industry analysis can carry out "benchmark" because of the advantage of
why the same is the bank, but the same is the bank, the mortgage interest rate is different, some floating, some can carry out the benchmark interest rate?
it is known that since the first quarter of this year, the central bank has been increasing the strength of the capital, the bank is generally "tight money". And the balance of treasure and other Internet banking has sprung up, which has also diverted a large number of bank deposits, exacerbating the tight bank funding. After the last year's accumulated loans, the funds of the banks were not enough. The ratio between bank deposits and loans has been shrinking and the amount of loans is not enough. This is the main reason for many banks to raise their mortgage interest rates and suspend their mortgage business.
a joint-stock bank staff member is helpless to say that compared with the business type loan, the income of the consumer loan is low, so the bank is more willing to do the higher income management loan and give up the mortgage in the case of the higher deposit and loan and the tight credit line.
"the reason why the postal savings bank can still carry out the benchmark interest rate is precisely because of its large loan to deposit ratio advantage." The personage introduces, the postal savings bank network is many, the deposit scale has the guarantee, the deposit loan ratio is relatively low, the credit quota is relatively sufficient, therefore can let the customer enjoy the looser credit policy.
lender said that the tightening of housing loans or the delay in the purchase of
"the mortgage rate rises, the rate of lending is also slowing down, we intend to not buy a house for the time being." The tightening of mortgage policy has led to the withdrawal of Mr Lu's husband and wife in the election room.
reporters inquired about the real estate transactions in Ji'nan area and learned that after the tightening of mortgage loans, the volume of commercial housing transactions also declined along with the decline. March 3rd -9 day, the volume of commercial housing in Ji'nan fell 8.4%. On March 10th -16, the volume of commercial housing fell 36.3%, -23 day in March 17th was warm, and commercial housing transactions increased by 12.3%, but it was also gloomy relative to the marketing strength of developers and gongs and drums.