Some banks in Ji'nan have tightened their mortgage first suite down payment 20% strictly.
frequent real estate "rescue the city" policy stimulating effect began to show, the recent Ji'nan property trading hall and net signed business "hot". However, reporters learned that in the real estate transaction hot, while the bank mortgage has quietly tightened. Some citizens feel that mortgage loans have become more difficult than before. The staff of the real estate trading agency said that, in helping customers to handle business, it is obvious that many banks have a lot more stringent loan business review than before, especially the implementation of 20% payments, and the requirements for customers are quite a lot.
in March 29th, the reporter consulted the mortgage of a commercial bank in shadowshan road with the identity of the buyer. The staff said that the first down payment of the first suite was mostly 25% of the standards. "The minimum down payment for policy is 20%, but it is not easy to do it in practice." The staff said, "as for second-hand housing loans, more than 20 years of age clearly no longer loans, other circumstances we usually no longer do." Although
did not specify, the staff disclosed that the bank mortgage loan may be tightened in the near future, but there is no notice at present.
later, the reporter also consulted several banks, the relevant staff said that the current policy has not changed, is still the first mortgage down the first down payment of the minimum 20%, some of the bank's high quality customers can have 10 percent off interest rates.
however, people feel that loans are more difficult when doing business. Zhou Lei, the director of the warrant Department of Ji'nan branch, the second hand housing business group in the world, found that the review was really more severe when it helped the clients to handle bank loans.
"we have worked with many banks, and the feeling is obvious." Zhou Lei said, "the most obvious aspect is reflected in the down payment." Zhou Lei said that before, many banks have implemented the first unconditional first - loan first - to - loan first payment of 20% policy, although the first suite of the first loan is slightly different, but the policy is still relatively loose. The policy of
has not changed, but the scale of bank staff's operation can be grasped by themselves. In recent times, the loan is strictly approved, and some banks think that a lower income, or a customer's down payment that can't reflect the income level, needs to be paid 25%. " Zhou Lei said.