The most loose mortgage season! Ji'nan housing loan into the mainstream of the ten percent off times 20% to pay into the mainstream
Qilu one point
years after the Ji'nan property market transaction is very hot, the scene of the morning queue number in the housing trading hall is frequently seen It's not fresh. At the same time, banks in the mortgage business frequent concessions. 10 percent off mortgage interest rates and 20% down payments have become the mainstream of the mortgage market.
two months ago, a city firm has carried out 15% off interest rate
5 morning. In a ICBC site in the lower Ji'nan calendar, the customer manager told reporters that now it has been able to obtain 10 percent off of the interest rate preferential policies for a number of high quality customers. Basically, it is 10 percent off. It is not very difficult to get the best interest rate. This is mainly based on the individual conditions of applicants, including wages, water, credit and so on.
, according to a person in charge of the loan department of ICBC Shandong branch, the mortgage interest rate and the down payment have been completely relaxed since March. The first payment of personal housing fell from 25% to 20%, and the rate of housing loan has generally changed from 5% off to 10 percent off. Since November 2014, the burden of home buyers has been declining, the lowest level has been in the past five years.
in addition to the ICBC, a number of banks, such as the Bank of agriculture, the Bank of China, Guangda and Zhejiang merchants have also introduced preferential policies for housing loans. 10 percent off interest rates and 20% payments have become the mainstream of the mortgage market.
with the expansion of interest rates on mortgage loans, the number of business transactions is also increasing. In March this year, Shandong branch of ICBC issued 538 million 890 thousand yuan of personal loans, an increase of 113 million yuan compared with the same period, an increase of 297 million 750 thousand yuan. Housing loan applications are relatively loose. In about 1 weeks, lending can be made and lending is much faster than before. A hall manager at the Bank of the Agricultural Bank said.
in addition to 10 percent off interest rates, Ji'nan has some banks to carry out lower mortgage interest rates, and a commercial bank in Ji'nan has implemented a 15% off interest rate loan from two months ago, but although the discount is large, most of the discounts are aimed at a small part of the cooperative building, so it is difficult for homebuyers to enjoy as much as possible. This low mortgage discount.
the mortgage rate is very low a lot of banks are difficult to follow up
now the cost of storage is so high, 15% off mortgage interest rates will not make money, and even may lose money. Industry insiders told reporters that from the end of last year, many banks' bad debt problems began to emerge. In order to find better quality loans, mortgage loans began to become loans to all banks, so from the beginning of this year, some banks began to cooperate with real estate developers to use preferential policy to save the market.
but it is estimated that there will be no more changes in the short term, because the current mortgage rate has been very low, and even in many times there have been the phenomenon of upside down. The director of the mortgage business department of a state-owned commercial bank told reporters that the interest rate over five years has dropped to 4.9%. After ten percent off, the actual rate of the customer's interest rate has reached 4.41%. Although the cost of the bank has been reduced after the central bank has repeatedly cut interest rates, the yield of financial products is still up to 5%. There has been an upside down interest rate.
the head of a local city business bank also told reporters that, in terms of enterprise loans with more than 10% interest rates, only 5% of the mortgage rates were low, and there was no possibility of continuing to follow up.
in addition to the lowest interest rate in history, whether the business loan or provident fund loans, the overall loan environment has entered a more relaxed stage. Many bank leaders told reporters that this year, because of the policy guidance, including reducing interest rates and real estate rescue policies, there will not be too much tension in housing loan funds, which will be looser than last year.