Ji'nan mortgage lending shortened to two or three weeks, the central bank propaganda effect appeared
the bank is sufficient, the lending time shortens
"from the end of May, it is obvious that the bank lending is not so difficult, basically restored to normal." In June 5th, in Ji'nan, Shandong, Zhang Haibao, a financial manager for Fus real estate, said there was not a long backlog in the store, much better than the year after. In January and February, lending time is the longest, at least two or three months to lay down the loan. By March and April, the waiting time for loans has been reduced to one month. Generally speaking, the time of examination and approval of the bank is not long, and the mortgage of the bank is completed. After his right to license, it is a normal phenomenon. He feels that the "yelling" of the central bank has played a role.
5 afternoon, the reporter came to the industrial and Commercial Bank of China Yuan Yuan Branch loan center. Staff said that the first suite of commercial lending benchmark interest rate to float 5%, but the amount is relatively adequate. "In March and April, the volume was particularly tight. We used last year's quota. Every day there are many customers at the door to ask when to lend money. The staff said there was no money at that time. The situation has improved since late May. Agricultural Bank of peace branch of the personal loan department staff said, from the approval to the loan, if the information is complete, the transfer of mortgage is smooth, the whole process in two or three weeks.
interview, the Construction Bank, the Agricultural Bank and other banks all said that the current amount is more normal, can normally approve the loan, the whole process of view, the new house is generally two weeks to a month, second-hand housing generally about a month. This is a significant improvement over the previous two months.
most bank mortgage rates rise to 5% to 15%
what is the interest rate of the first suite of commercial loans? Construction Bank Quancheng branch of the personal loan department said that the first suite loan interest rate on the basis of floating 5%, that is, more than five years of loan interest rate is 6.8775%. He calculated an account, loans 450 thousand yuan, 20 years of equal principal and interest repaid, after floating 5%, more than 90 yuan a month.
in addition to the four major state-owned banks, many joint-stock banks have different loan policies. "We are also up to 5% of the benchmark, and may be adjusted later." Qilu Bank of the source Street Branch of the relevant people said.
CITIC Bank loan department said that the first suite of commercial lending interest rates to float 10%. Societe Generale Bank said that at present, the second-hand housing is very few, and the new house is generally up to 10%. Some large cooperative projects can go up 5%. China Bank of Jiefang Road branch of the loan department said that under normal circumstances the first suite floated 5%, like some bad credit records of customers, according to the specific circumstances to float from 10% to 15%.
China's postal savings bank's policy is looser. Ji'nan City branch business department responsible person said that the first suite of commercial lending interest rates on the basis of floating 3%. "But VIP customers can enjoy the benchmark interest rate." The person in charge said that customers can automatically upgrade to VIP if they deposit 50 thousand yuan in the bank, so they can enjoy the benchmark. The current release time is about two weeks.
commercial banks are reluctant to see mortgage loans for the central bank's "shouting" support for the first suite of loan interest rates. Why haven't the major banks adjusted the loan policy?
an interview with a joint-stock bank's personal loan department staff said that profit is the first consideration for commercial banks, and the banks will adjust their focus on the volume of mortgages according to the market. At present, the benchmark interest rate of 5 - year personal mortgage is 6.55%, the bank's individual mortgage business margin is less than 3%, and a large amount of human cost is occupied. If the management and labor cost are deducted and the deposit cost is pulled, the profit space is very small. The profit level of small and micro loans, consumer loans and other businesses is much higher. As a matter of fact, commercial banks have shown signs of being reluctant to see personal housing mortgage loans from the fourth quarter of last year.
the performance of bank credit policy also has a chain reaction to the real estate market expectation. Ji'nan real estate industry insiders believe that credit policy is considered to be an important factor affecting the current real estate market, although the central bank calls for the first set of housing loans, but the market does not appear to be the first set of mortgage concessions. Therefore, the "good" news of the real estate will not bring much money to the real estate market, and the market expectation of the buyers is still one of the key factors that affect the market trend.