last week, the central bank is present At the same time, the interest rate reduction was announced fifth times in the year. At the same time, most of the banks began to implement the policy of 25% minimum down payment in the first suite, and a bank began to carry out the preferential 15% off of the mortgage, and the provincial capital ushered in the most loose time in recent years. However, the performance of loose loans in the secondary housing market is not very obvious. Compared with the purchase of new houses, many banks have many barriers to second-hand housing loans. in September 30th last year, the central bank and the CBRC jointly issued a circular request for families with 1 sets of housing and had already cleared the corresponding home loans. The first suite loan policy was implemented for the improvement of residential conditions and the first suite loan policy, and the first suite was limited to 0.7 times the benchmark interest rate. For many people who want to buy two suites or change rooms, after the first suite of loans, the two suite can also apply for a down payment of 25%, which will undoubtedly reduce the pressure of a lot of down payment.
but the reporter learned that such a policy does not count for a second-hand house buyer, I asked a few banks, are down to pay 30%, in fact, I can come up with 30% of the money, but now the interest is so low, it is really not too willing to pay all the money, I do business needs a lot of liquidity, this is to take out more Eighty thousand or ninety thousand yuan. Mr. Gao told reporters that he was currently looking at a second-hand house with a house price of about 1600000 yuan. Because the loan in the previous house was already finished, he applied to the bank to pay the first 25% first suite down payment policy, but a few banks ran into a wall. In accordance with his application, he can only execute the policy of down payment of 30%. For this reason, he will pay more than 80 thousand yuan for the first payment only.
, like Mr. Gao, is not an example of a threshold limit when dealing with a second-hand house loan. It is found by a reporter that many banks have different loan policies for both new and second-hand houses. When Xiao Han, a public citizen, paid 30% of the initial payment for the second-hand housing loan, he even failed to get the interest rate discount. I was commissioned by a broker to take me to take a loan, so I did not pay much attention to the discounts and down payments. I did what I did. At that time, 30% of the first payment was given to the owner and the loan of the benchmark interest rate. As a result, I heard from my colleagues that he was also a loan in this branch, but he only paid 25% of the down payment and a 5% off discount on interest rate. Xiao Han told reporters that compared with her colleagues who bought the first set of new houses, her loan cost was much higher.
at the same time, most banks have restrictions on the age of second-hand housing, stipulate that the age of the housing can not exceed 15 years. If the loan is exceeded, the mortgage loan application is difficult to be approved.
individual banks have not applied for secondary mortgage loans
while setting the threshold for second-hand housing loans, banks have also stopped the second-hand mortgage business. Now our banks focus on new home loan business, and the second-hand mortgage business has stopped in Ji'nan. A city business bank manager told a reporter.
reporter consulted a number of foreign banks, two banks have clearly expressed not to carry out second-hand housing loan business, used to do second-hand housing loan business, but it has not been done at the moment, mainly because our bank funds are small, only a new house can be done, and the two hand mortgage customers are more scattered, new houses are not In the same way, how many houses we sell and how many of them are sold are relatively easy to control. A joint-stock bank staff member said.