with the rewarming of the real estate market, the amount of bank loans has gradually increased. Zhang Xiaopeng (reporter Jiang Ning Zhang Di) in Ji'nan July 26th (reporter Jiang Ning Zhang Di) with the housing market warming, Shenzhen and other places recently appeared a tight loan amount of housing, Shandong Qingdao and other places, there are banks "stop lending", "credit reluctance" hearsay. Does this exist? What is the recent housing loan in Shandong? In fact, the housing loan business in Ji'nan and Qingdao has no tension, but as the central bank reduces interest rates, the bank's profit is diluted, and it is also more critical when choosing the mortgage.
"now the benchmark interest rate is lower, the profits of banks' mortgage business are also decreasing, and the mortgage amount may be tightened in the future." The bank's customer manager said that the bank's 5 - year loan benchmark rate has dropped to 5.4%, if 5% off or 5.13% again, which is lower than the expected yield of many bank financial products.
since the profits of the housing loan business are getting thinner, why do banks have to guarantee relatively loose loans? "Personal housing loan is relatively stable, and the risk is small, so it is a high quality lending direction." Miss Yang, who works in the Credit Department of a state-owned bank, said.
it is understood that the proportion of bad loans in all banks now is 5-10 times lower than the proportion of bad loans for commercial loans. Of course, the loan interest rate is also 2-4 percentage points lower.
Qingdao market, mortgage situation is also good.
"nearly 20 billion of the first half of this year has been put in place, and many people who have made money in the stock market have gone to buy houses, and now the interest rate is also more favorable." Qu Shitao, the head of the Qingdao bank's personal loan department, said.
the rumor of "stop lending" and "credit crunch" revealed that the head of a state bank's personal loan department revealed that it was not a real stop loan, "just to reduce the risk and tighten the proportion of the development loan."
new home loan can apply for a lower discount, but not all mortgage businesses can get the favor of banks.
in July 24th, the head of the loan department of the Bank of CITIC Bank said that if the customer wanted to deal with the new house loan, the minimum can be enjoyed by 5% off, "but the second-hand house is not good, now in addition to some high quality customers, it can not handle second-hand housing loans in principle." The so-called high-quality customers refer to those who have financial transactions and deposits with banks.
"second-hand housing loans from the beginning of the tightening trend, agricultural and commercial banks, the Bank of Qingdao loan interest rate is very low, but most of them are for new housing customers." A related person in charge of the Qingdao region of the Agricultural Bank of China said that the four largest state-owned banks were able to treat both new and second-hand houses compared to the "picking and picking" when the joint-stock banks were lending. In addition, Qu Shitao also told reporters that compared to second-hand housing loans, the new housing loan application to a higher proportion of 10 percent off.
Why do banks prefer new housing loans to the neglect of second-hand housing loans? A staff member of ABC said bluntly that new housing loans had higher profits for banks. "For example, this developer is a cooperative client of the bank. From the development loan, the bank can make money from the developer. The mortgage business is even more so. Some homebuyers who apply for mortgage loans can also develop into potential customers, such as funds, finance and deposits. Compared to the second-hand housing loan that can only be earned by the interest rate of housing loans, new housing loans do have more "oil and water". The staff member said.
mortgage has been "upside down", the housing inflection point appears
"mortgage and deposit interest rates have long been upside down." Qu Shitao said, now the five year housing loan interest rate of the Bank of Qingdao can be kept at about 4.8% in the case of 10 percent off, while the five - year deposit interest rate and the one-year financial product yield have exceeded 5%. The deposit interest rate is higher than the loan interest rate, which makes many buyers have a sense of "the time to buy a house." Feel.
a number of well-known international investment banks, such as Goldman Sachs and Morgan, showed that the second half of this year would not exclude the possibility that the central bank would cut interest rates again if the Chinese economy could not be effectively rewarming. As a result, the benchmark mortgage interest rate over five years is likely to drop from 5.4% to 5.15%, or even below 5%.
"it's a good time to buy a house now, and the bank's mortgage amount is quite abundant in the middle of the year, and it won't need to be examined and approved as the end of the year." Liu Zhenyue, assistant general manager of Qingdao agricultural and commercial bank loan department, said.
the real estate sales data announced by the National Bureau of statistics also showed that although the growth rate of real estate investment continued to go down, the sales area of commercial housing increased by 10% in the first half of this year.