Many banks in Ji'nan implement old rules. The two suite down payment has dropped to 40%.
mass network Shandong
Central Bank, residential construction department, CBRC three department joint notification of the two suite first payment ratio dropped to 40%, the Ji'nan Department Sub estate has claimed that the new policy has landed, and the banks have indicated that they have not yet implemented it. In the face of the new deal, the calculation of each side is different. The industry suggested that buyers should consult the management bank.
2 days, the reporter consulted a house along the South Road in the name of the buyer in the name of the house buyer. Now buy a second suite, is the first payment to carry out the new policy of 40%? The home advisor replied that the two suite down payment has been reduced to 40%. All the cooperative banks have been held. That's all right.
the threshold for buying a house has been reduced, and many properties have to go up. Later, the reporter asked the mortgage bank with the real estate cooperation, the customer manager made it clear that the policy was out, but we have not yet seen the notice of the general bank, so it is still in accordance with the 60% provisions of the two suite. When can it be reduced to
40%? I can't tell you now. Their sales office is wrong. The loan should be based on the bank's statement. The same thing, the developer and the bank gave the answer exactly the opposite. Who should the buyer listen to?
three other loan banks designated by the estate also said that the down payment policy did not fall to the ground in Ji'nan. According to past experience, the adjustment steps of the four major state-owned banks in the workers and peasants are basically the same, and they have not yet been adjusted for the time being.
China Merchants Bank Ji'nan branch also extends the old rules of 60% Suites for two suites, and it will not be adjusted until it receives the notice from the head office. City banks such as Qilu bank did not implement the new policy.
industry insiders say that the adjustment of the property market policy is not consistent with the mentality of developers and banks. For those who are waiting to digest their inventory and rush to take the amount of development, they are eager to stir up trouble at the policy level. The adjustment of the first payment ratio of the two suites is a major advantage for the improved housing, and developers naturally expect to land immediately.
policy has to see bank
for banks, as the situation changes, risk and profit considerations are no longer willing to make big stride in real estate business. Take 1 million yuan house as an example, the original loan to the customer 400 thousand yuan is OK, after the policy adjustment needs 600 thousand yuan.
it seems that the interest income of the bank has increased, but the cost of capital increases gradually, and the interest rate of the mortgage business is less and less in the case of the frequent interest reduction. With the increasing difficulty of collecting funds, banks are unwilling to invest too much limited credit resources into such low yield fields.
more and more buildings, mortgage customers are no longer the preferred target of banks, but to control, or even select high-quality customers. For home buyers, they should not just listen to one side of the property consultant, but also consult the specific bank of the loan.